23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

When requested validation of debt a rep by the name of XXXX XXXX screamed at the top of her lungs and told me to pay my bills after calling me XXXX I requested twice for debt to be validated still no response requested this within 30 days allowed. This company placed on my credit report without validating debt with me and also I stated I do not deal with third party collectors. They have still harassed me to the point I had to block their number. And mail a letter stating that if they continued to contact me I would file a complaint and or seek legal counsel. I do not owe this debt I advised original creditor to validate the debt and they refused to validate debt in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Debt collection

I received a letter from RTR Financial Services dated XX/XX/XXXX about a balance owed to XXXX XXXX XXXX XXXX XXXX. It said I had until XX/XX/XXXX to dispute the debt. I mailed a letter to RTR Financial Services on XX/XX/XXXX showing them a letter from my health plan that says they have approved the claim for payment for the exact amount still due but couldn't provide an actual date it would be paid. I told RTR to never contact me again about the debt. I received another letter dated XX/XX/XXXX so I resent the prior communication by mail and once again told them to cease and desist. I received an automated phone call/voicemail today XX/XX/XXXX to my mobile phone from XXXX which is a violation of the Telephone Consumer Protection Act. They are also in violation of the FDCPA by continuing to contact me after they have been told to cease and desist.
Product: Credit card

On my Best Buy card someone fraudulently charged XXXX dollars several months back- I called the company they denied talking to me since I do not have old phone number I used to have -I have a new phone number so they are keep using excuse saying they can not authenticate me but they will send a letter to my home address- they have never sent me any authentication letter but they have been adding fees and interest for several months and not that XXXX dollars have ballooned to XXXX dollars- I have tried making my account online but their site decline adding my card so I cant update my phone number for them to authenticate me and remove all these charges- I have called XXXX times in last several months - theyre agents been promising me to sent authentication letter but they have not done so- every time I call they say I have to wait for authentication letter - its been several months I am extremely upset and disappointed- I even went to Best Buy store itself and they declined to help me - I cant pay for something I did not use for / these XXXX dollars charges needs to be removed- please help thank you graciously
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by TransUnion. XXXX XXXXXXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXXXXXX XXXX XXXX # XXXX ... I don't ever recall paying any of these accounts late/after the due date. 
On XX/XX/XXXX, I complained to the Consumer Financial Protection Bureau about the intentional and reckless actions of TransUnion with regards to these accounts. I provided them proof of the inaccurate credit reporting. In their response to this complaint, TransUnion stated that they would reinvestigate and respond to me within 30 days. They did not reinvestigate or respond back to me within the 30 day time frame according to the FCRA. Attached you will find copies of their response to the CFPB complaint. In addition, TransUnion did not provide the name of the person who responded to the CFPB complaint. There is no accountability. This is unacceptable. 

On XX/XX/XXXX, I once again wrote TransUnion directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX XXXX XXXX listings. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that TransUnion received the dispute. 

A copy of this complaint as well as past CFPB complaints on TransUnion is going to the FTC, Illinois Attorney General, New York Attorney General, XXXX XXXX XXXX and my legal counsel.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information regarding my XXXX XXXX account ( Account Number : XXXX ) on my credit report. Specifically, I have identified inconsistencies in the payment history reported by the three major credit reporting agencies. 
Discrepancies : * XXXX has reported the account as charged off. 
* XXXX has reported the same account and time period as paid as agreed. 
These discrepancies are clear violations of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. 
Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of the information they report. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Given the conflicting information between XXXX and XXXX regarding the status of my XXXX XXXX account, it is evident that the information being reported can not be verified as accurate. 
Therefore, I request the immediate deletion of this account from my credit report to ensure compliance with FCRA guidelines and to prevent further harm to my creditworthiness and financial reputation. 


Enclosed are copies of my credit reports from XXXX and XXXX highlighting the discrepancies in the reporting of the XXXX XXXX account.
Product: Debt collection

I have tried several times to contact the company and have this debt verified. I have not been able to get any answer on the debt. I have also tried to dispute the debt with the credit bureaus and no results. When I called the credit bureaus about this account I was told that the company told them that everything is correct and not to dispute it anymore. The account has different amounts and dates and with them not verifying this debt and everything is different from one credit report to the other.
Product: Debt collection

I was granted a XXXX XXXX dismissal and I paid XXXX cash to settle ALL my accounts which every single one was XXXX put on all my credit reports except XXXX with XXXX ( calvary portfolio now for XXXX ). I have been XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX and can no longer do XXXX  after XXXX  years per my team XXXX XXXX. This XXXX  XXXX XXXX was the result of being left destitute after my marriage of XXXX  years, and I am slowly still rebuilding XXXX  years later. Please help me put this debt where it belongs which is within my XXXX  XXXX XXXX from XXXX of XXXX  as I have an outstanding credit record for decades before that marriage as I funded his dreams which I had to learn the hard way to NEVER do again : ( Thank you in advance for your kindness and help with this matter. XXXX bless you!
Product: Mortgage

In the year XXXX our home was erroneously foreclosed upon by Wells Fargo. We continuously asked for a reasonable and acceptable loan modification. Wells Fargo bank asked us to provide information. Each time we did what they asked. We were financially ruined by what we had been through with Wells Fargo. In XXXX of XXXX they sent us a check for {$200.00}. That check cant begin to make up for what Wells Fargo did to us. We tried to resolve the situation with them because we are unsatisfied with the amount. Well Fargo admitted that they made mistakes with loan modifications in the past. They refused to let us know how they came up with the {$200.00} amount. We are reaching out the CFPB because we lost our home because Wells Fargo did not provide an acceptable justification for not helping to make us whole. The amount of {$200.00} is an insult after the losses we incurred due their faulty loan modification practices.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX and TransUnion multiple times to request the removal of several inaccurate accounts and collections that are being reported on my credit report. These accounts either do not belong to me or contain incorrect information. Despite my efforts, the following accounts and collections remain on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion : XXXX - XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. {$840.00} Actions Taken : I initially contacted XXXX and TransUnion to dispute these accounts and collections, explaining that they are either not mine or contain errors.I followed up but have not received any resolution. Despite my repeated disputes, these inaccurate accounts and collections remain on my credit report, negatively impacting my credit score. 


Current Status : As of XX/XX/XXXX, these incorrect accounts and collections are still being reported on my credit report. I am seeking assistance in having these inaccuracies removed and my credit report corrected.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/XXXX I transferred {$800.00} to my cash app account. For some reason i received an email stating my account was closed with no real explanation. I have tried to contact CashApp several times, there is no real number to call so I have emailed several times since Thursday and have only received automated emails and have gotten no where. I just would like to get my funds out of the account. It is a total of {$800.00}. 

Attached are pics and emails received. I have tried to add a new card and bank to transfer funds and it will not accept. The email I keep receiving says it has been over a week since they have heard from me but I have not had this issue a week yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report from results of a data breach or identity theft. These are the dates of accounts on my XXXX credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are the dates and accounts on my Equifax profile XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX with account XXXX XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 
However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 
I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 
If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX I am writing to dispute the accuracy of the information reported to your bureau regarding the above-mentioned account. The account was opened on XX/XX/2021, but I did not use the card or incur any charges. 

Despite my inactivity, the account has been sent to collections, which I believe is an error. I request that you investigate this matter and take the following actions : 1. Verify the accuracy of the information reported by XXXX. 
2. Remove the collections status and any associated negative marks from my credit report.

3. Update my credit report to reflect a " closed '' or " inactive '' status for this account.

Please investigate this matter and correct my credit report
accordingly. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX and now XX/XX/XXXX were reporting late and they told me that they would fix the mistakes and then they have not they have the wrong address after i have told them i have not receive any statement and i call on XX/XX/XXXX about this issue and told my payment wasn't due until XX/XX/XXXX very upset about this out come and need my credit back to no lates look at the records and calls regions credit card
Product: Credit reporting or other personal consumer reports

My correct and only address I resided for many years and the only address i want listed on my credit report is XXXX XXXX XXXX XXXX, XXXX Texas XXXX. I previously sent a copy of my drivers license and copy of my social security card. I do not live and do not know of any that lives at : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX. Why is this address on my credit report please. It is not my address no do i receive any legal mail at that address. Please remove and delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX immediately. 
15 U.S.C 6801
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/2018 I have been working on my credit. One card reposted that I spent XXXX XXXX on my credit card and my credit report plummeted down by 20 pts then on XXXX  I have a decrease in my personal loan you guys have me set at a decrease 30 pts I dont how you are operating as I am trying to go up your are brining me down I think that way to low to bring some one down too can you please review the system and adjust my report accordingly
Product: Student loan

I am trying to use an XXXX stipend to pay towards my loan. Fedloan has repeatedly refused to accept the payment. When they refuse the request, they leave a message stating that I do not have a loan with them. So I have called multiple times to resolve the issue. Once they denied that they had an XXXX administrator and on another occasion they stated that they did have an XXXX  administrator but that they had no way of transffering me to their XXXX administrator. They claim to not be receiving the payment requests however they are writing the " user does not have a loan with this institution '' messages and have accepted a prior payment of lesser value.
Product: Credit card

XX/XX/XXXX and XX/XX/XXXX there was an application for a deposit account that got rejected using my maiden name and a different address. ( XXXX  XXXX XXXX ) they did the request all on line. 
XX/XX/XXXX and XX/XX/XXXX Person tried to gain access to my XXXX account. 
XXXX  XXXX XXXX XXXX made XX/XX/XXXX also on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX COMENITYCAPITAL/GOOD inquiry date XXXX account with COMENITYCB/ ULTA XXXX  that starts with XXXX on XX/XX/XXXX using the number XXXX XXXX All of these used the address and name they opened an account on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX United States
Product: Debt collection

I received a 5 year old medical bill that I have never once heard of before XX/XX/XXXX, and was from a different state and they immediately report the charge to my credit even though I called and made arrangements with them to pay only 5 days after the letter was written. I am in the middle of my home buying process and this company shows up, demands money or they will ruin my credit, so i have no other choice to believe them so i can continue my life with buying my home in 2 weeks. TWO DAYS AFTER I PAY THIS FAKE BILL THEY STILL REPORTED THAT I DID NOT PAY ON MY CREDIT AND MY CREDIT DROPS 20 POINTS!!!!!!! Me, my husband and our XXXX XXXX XXXX son are now out of the home buying process and the house we put a offer in for because they made a 5 year old mistake! When i spoke with the woman there she seriously told me i had no other option - she couldn't even tell me what the bill was for. So at the time my hands were completely tied .She told me I couldn't call the doctor that apparently this bill was from and she haD nothing more for me. Then they still reported it even though I paid!! This is insane that a company/doc ( whoever I dont care ) can come after you 5 years later for a bill you've never seen ( so therefore also couldn't get insurance to pay for it since I was unaware of it ) and say you have to pay with zero information.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian are all reporting my bankruptcy on my credit reports. Per uscourts.gov bankruptcy courts do not report to any credit reporting agency. I have not provided any permissible purpose written, unwritten, verbal and/or non-verbal consent to any of the credit reporting agencies to report the bankruptcy.
Product: Mortgage

On XX/XX/2016, Amerisave Mortgage Corporation contacted me about refinancing my home. They told me that even though I have a remodified loan and therefore was n't able to go FHA and due to a bankruptcy 2 1/2 years ago ( even though did n't involve my home ) would not be able to do a conventional refi, they had " means to bypass FHA requirements and ensure [ my ] refi ''. 

Yesterday, XX/XX/2016, they contacted me ( after MANY contacts over the month ) and told me I 'd best lock right away on a rate as the market is so unstead, blah blah blah. Of course, rates are going DOWN, not up but Amerisave 's closing costs keep creeping up and they said they are " uncomfortable with what tomorrow might bring in terms of their closing costs as they are computerized and unpredictable ''. 

I decided to go ahead and lock with the assurance that I could opt for a lower rate or discount right up until the day before closing. 

As I was doing so their closing costs kept rising over the course of a half hour at the rate of {$200.00} every 10 minutes. The representative, XXXX XXXX, kept telling me that no matter what my computer or phones are telling me ( they all said something different as use different cookies ) that at closing I 'd only be paying {$400.00} and just to IGNORE what my devices said and that hers was the only accurate one at {$400.00}. 

She told me that she needed my debit card password and XXXX digit code for security ( that I was serious about following through with a refinance on my home ) and while I expressed my hesitation and concern that I did n't understand the fluctuating figures before me, " not to worry, you 'll only pay {$400.00} at closing '' and " WHEN THE APPRAISAL IS DONE we will charge {$420.00} ''. 

She coached me on how to answer all of the questions for finalization said " the appraiser will be contacting you for a firm date ''. 

She called not even five minutes later and said " I 'm sorry but we are not going to do your refinance. You do n't meet our requirements ''. 

I IMMEDIATELY went to find my bank 's phone number to warn them that I 'd given my password and XXXX digit code so that they would stop any entity from gaining access to my funds ( at this point I realized that something was VERY AMISS with this organization ). I opened my account to get their phone number and to my SHOCK they 'd STOLEN {$420.00} from it WITHOUT MY APPROVAL! 

I 've since learned that this type of activity is not new to Amerisave, who was fined XXXX just two years ago for the same type of nefarious activity. 
XXXX XXXX XXXX said she 's very sorry that she wasted my time and HERS! HERS!??? Yes, she specifically stated that she is " sorry [ she ] wasted [ her ] time ''. Actually, I think she was doing exactly what Amerisave told her to do ... commit fraud and steal from unknowing individuals. 

OBVIOUSLY this is an entity that HAS to be STOPPED! They lie to unsuspecting persons from the VERY MINUTE of contact. I did NOT contact THEM.. they contacted ME. 

I 'd not even known of their existence prior to XX/XX/2016 and wish I never had.