23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Transunion has refused to run accurate disputes for the past year, no disputes are ever run unless a CFPB complain is submitted. On XX/XX/XXXX ( see attached documentation ) I sent a 25 page packet will all my personal information certified mail to transunion which included all the prior accounts remove due to fraud as well as all the required identity information they requested. Transunion ignore the documentation as they have prior and I had to call in to resolve the issue. When I called they said they had no dispute open. I told them to open disputes for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  as these accounts have already been removed from my XXXX do to fraud, they said they would open disputes. When I check back a week later they said again no disputes were open. I again called and told them to open dispute and submitted the removal files from XXXX and after yelling at me over the phone they said they would but when I logged in to check again no disputes were open.this was Violation 1 15 U.S. Code 1681i - Procedure in case of disputed accuracy as not only has the dispute gone far longer than 30 days they have failed to investigate the information presented. They did not even open the 25 page document sent and received Violation 2 was Violation of 15 U.S. Code 1692c - Communication in connection with debt collection. They have continued to update accounts instead of removal even when provided with dispute evidence. They have not ran a single dispute to FCRA accuracy AND have violated my consumer right on numerous occasions. I do not want the same person I spoke with or person who tossed my documents to be handling this dispute I need a manager to resolve said issues
Product: Credit reporting or other personal consumer reports

XXXX XXXX  and XXXX XXXX  is reporting a fraudulent account that I did not open under my name on Transunion Consumer Solutions report. The account number number is XXXX that has been reporting under XXXX XXXX XXXX, and Transunion Consumer Solutions. Attached is the FTC Statement that identifies this account as a fraudulent account opened using my personal information.
Product: Credit reporting or other personal consumer reports

Yes My Name is XXXX XXXX I had to fix as much as possible on all my credit report I have gave them as much information they needed to correct this issues but they still are not removing items that are not allowed are should not be on my report so I'm sending this over to you to see if I can get a little more help with this issue I understand it takes time but I have gave them as much time as possible it's been a year now and with me sending in a clear copy of a police report to request to remove incorrect information on all of the agencies reporting this on my SSN account I really ask for a letter from you all to allow me to smitten this FTC report for help XXXX XXXX XXXX call or email address at XXXX or XXXX I will appreciate your help with this investigation.
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human to read this complaint. This is a NOTICE for GENERAL COUNSEL. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX violations before removal of 2 accounts and violations of the other account. I have already attempted to invoice for the damages and federal violations. TransUnion has removed XXXX XXXX XXXX accounts off my consumer report after I complained about my federal consumers rights being violated against which is proof that I was being violated. Under 15 USC 1681n - Civil liability and 15 USC 1681o, TransUnion has not yet compensated me for the damages & federal violations nor has responded to my invoice. I will have my updated invoice for the XXXX XXXX accounts federal violations attached below and also a marked-up consumer reporting showing the violations/2 removals and my PRE-ARBITRATION against TRANSUNION for all my XXXX XXXX accounts violations. If we can't come to a fair and reasonable resolution, then I fully intend to pursue Arbitration. YOU HAVE 5 BUSINESS DAYS TO RESPOND BEFORE I FILE FULL ARBITRATION.
Product: Mortgage

I have a mortgage on a home in NY. I am selling the home and have requested the original mortgage abstract / title search from the mortgage holder. I contact Loan Care at XXXX on Tuesday the XXXX of XXXX  and was told I would receive the requested documents via email within 5 to 7 days. I called back on XX/XX/XXXX and was told that they meant 5 to 7 working days. I have called back today, XX/XX/XXXX and am now being told I must send in request in writing. Seems like a scam these companies play to force sellers / buyers to continuously have title searches done back the beginning of time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. tracking number for USPS is XXXX XXXX XXXX. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX  ) Has violated my rights XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On or About XX/XX/XXXX I XXXX XXXX did check my credit report and I noticed that an Auto Loan was opened in my name on or about XX/XX/XXXX by the XXXX Santander Consumer Usa and I XXXX XXXX did not authorize no auto loan to be put in my name so I contacted Santander Consumer Usa and asked them to verify this account because it was Fraud and I did not give anyone no permission to put a car in my name and how did XXXX get my information to open up an account in my name also I told them that I never went to no XXXX to register that car nor did I put any insurance on this car so they told me that It would be deleted but It is still showing up on my credit report
Product: Money transfer, virtual currency, or money service

I made an online purchase through PayPal. I did not receive the items purchased and can not get the seller to respond. I started a claim through PayPal, but chose the wrong issue. They closed the case and I can not file another for this transaction. 

Purchase date : XX/XX/2023 Seller XXXX XXXX XXXX : XXXX Transaction ID XXXX Disputed Claim ID : XXXX
Product: Debt collection

MidLand Credit Management has been repeatedly sending letters to my home for at least a year now, and has been calling me as well. 

The calls have come in before XXXX XXXX  and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I am a student who suffers from XXXX, and these calls cause me constant XXXX  to the point I turn my phone off or mute it, which disrupts my day. 

Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. 

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. 

Midland Credit Management has been repetitiously contacting me via mail and phone with the intent to annoy and harass me. I have received numerous letters ( attached ) - multiple per month. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, I submitted a complaint regarding LexisNexis. The complaint was addressed, and LexisNexis stated that they located and removed the following records from my credit report : XXXX and XXXX. LexisNexis also submitted a dispute to both XXXX and XXXX on my behalf. However, after multiple calls to XXXX, and XXXX - XXXX was told that no such dispute was received or could not be located. 

I have sent every letter received from LexisNexis to both XXXX and XXXX. I am not sure why LexisNexis has decided to change how I am addressed in each as this could be the reason why both entities are claim they are unable to locate disputes. 

XXXX claims they are getting this information directly from the courts. Please see the attached letter from the courts, dated XXXX, XXXX, XXXX stating that the Trustee does not report to credit agencies.
Product: Bank account or service

I was offered a buy out of my XXXX pension last summer. After comparing the numbers they had offered I decided NOT to participate in the buyout and keep my pension. When I called the number provided I was informed that unless I request a check in writing no changes would be made to my account. No such request was made. 
In XXXX I received a notice that a check for XXXX was deposited on my behave to CITIBANK and an IRA was setup earning almost no interest. I have since contacted those XXXX times to transfer the funds to XXXX XXXX XXXX XXXX which is the bank where I do most of my retirement accounts. The first time I needed to submit forms after which they said they would transfer the funds. I have made XXXX attempts after that to have the funds transferred. Each time saying all the steps were complete and the funds would be dispersed in seven to ten working days. They also suggested I could go to a local branch and get the check directly knowing I was in XXXX XXXX. The company has no branches in Texas or even XXXX. 

First and foremost I would like a reinstatement of my pension. If this is impossible then an immediate transfer of funds to XXXX XXXX XXXX XXXX on my behave would be an appropriate action. 

Thank You, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I attempted to transfer {$790.00} to a friend, ( name available upon request ) through Zelle from my XXXXXX/XX/XXXX checking account. The money was suppose to go to her XXXXXX/XX/XXXX account. The money did not arrive. I filed a formal complaint with XXXX XX/XX/XXXX and their response was that the issue is with Zelle. XXXX XX/XX/XXXX called Zelle while I was in the branch and the only information they would give is that the {$790.00} was not deposited into a XX/XX/XXXX account. The transaction number is XXXX. 

I have validated that her name and phone number were correct on the transfer. I have tried to contact Zelle customer service several times without success. They accept no responsibility for losing my money.
Product: Credit card or prepaid card

On XXXX XXXX XXXX  inadvertently applied an electronic bank payment to the wrong credit card. I contacted XXXX XXXX Barclay 's credit card company on XX/XX/XXXX, via an online form. They stated that I had a credit balance of {$1500.00} and that I should receive the check within XXXX  to XXXX  business days. 

I contacted them again on XXXX XXXX XXXX because I had not yet received the check. They said that " due to a system error, it does not appear as thought [ sic ] the first request went through '' and again stated that I would receive a check within XXXX  to XXXX  business days. 

I contacted them yet again today, XXXX XXXX XXXX because I had not yet received the check. They stated that the had completed my request as of today, XX/XX/XXXX, and that I would receive it within XXXX to XXXX  business days. They refused to provide me with a check number as evidence that they actually issued it. They also suggested I contact customer service via telephone to speak with a manager. I did but hung up after being on hold for a XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Business type Automobile Dealers, Used Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

While researching my credit report I came across an account from seller : XXXX XXXX XXXX  ( XXXX ) original creditor : XXXX XXXX  Nevada XXXX. 
Original account : XXXX Current creditor : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report from Experian XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XXXX  - XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX / XXXX XXXX - XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Mortgage

In XXXX my husband experienced XXXX failure resulting in a XXXX transplant. Within 90 days he had to have another XXXX transplant as the first one did not take.That started a year and a half of hospital stays for my husband. It got to the point where I lost my employment due to too many days I had to take off to care for him. I then took a part time job and fell behind on the mortgage. My husband is still incapacitated and unable to work to this day. We have not been approved for XXXX and my husband has no income coming in. I have went back to work and applied for a loan modification. I was denied in XXXX, XXXX for no down payment. I was advised by XXXX ID XXXX on XX/XX/XXXX that the numbers looked good and if I could prove that I had a significant down payment I would be approved. COVID - 19 came into our lives as everyone else 's last year and due to my husbands history of medical problems it has become very dangerous for him to be exposed. This required us to alter our life in very unexpected ways to protect my husbands health. I sent in another package for modification review on XX/XX/XXXX and have included that package in the document portion of this complaint. After submitting the package I followed up on XX/XX/XXXX and was advised of missing documents ; specifically a legible hardship letter, bank statements for my husband, tax returns, flood insurance and proof of down payment. I sent the revised hardship letter, proof of down payment and XXXX - T on XX/XX/XXXX. I sent the letter of explanation that my husband does not have a bank account and I have been unable to procure flood insurance on XX/XX/XXXX. On XX/XX/XXXX a follow up call was made. XXXX XXXX advised that the last review of the package was XX/XX/XXXX and it was denied for missing documents. The documents she said were missing had all been sent as noted above. I was unable to speak to anyone handling the loan and when asked directly if they would put someone out with medical issues in a pandemic when they submitted all requested documents and the firm did not review, Ms. XXXX replied, yes. We feel as though this is unfair as the documents were submitted on our end and Rushmore not reviewing them was the reason for the file to be denied. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - Late payment Upgrade INC -- Late Payment The creditor has violated my rights per in improper use of report per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of error. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Also per 15 USC 166B a creditor must allow ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Per [ 15 U.S.C. 1681 ] the creditor violated my rights to privacy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need this accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices which violate the consumer protection financial act ( CFPA ). Specifically cash app felt to take timely and effective measures to prevent an address fraud on the platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as it did not comply with error resolutions requirements under the electronic fund transfer act ( EFTA ) and resolution E. These actions have called significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Ditech Financial LLC first appeared on my credit report and at the register of deeds office in XXXX XXXX N.C. as a lien holder to my property in XX/XX/XXXX. There was no lien or second mortgage on my property or credit report when I applied for a loan from XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, nor in XX/XX/XXXX when I did a home modification loan with my current mortgage holder. I have never had prior contacts about payments or any arrangements with Ditech, not XXXX cent, contrary to the statements that I last paid them on XX/XX/XXXX. 
How could this be when I get another statement saying that the statute of limitation had expired and they could bring no legal action to collect this debt. 

I only became aware of this so called Ditech lien when I applied for a reverse mortgage loan in XX/XX/XXXX from XXXX XXXX XXXX loan officer for XXXX XXXX XXXX ( loan # XXXX ). I wrote the credit bureaus and they removed Ditech from my credit reports. XXXX then contacted Ditech and requested a " Quit Claim Deed ''. After his initial contact with Ditech Rep. " XXXX '', she refused to reply to any of his repeated communication attempts ( phone calls, emails, letters, or faxes ). My loan stalls because of this unresolved issue. 

I did have a second mortgage with XXXX XXXX XXXX, but that was included in my bankruptcy ( Ch. XXXX ) in XX/XX/XXXX and should have been dismissed. My last payment to XXXX ( XXXX ) was in XX/XX/XXXX. I thought it was taken care and after more than 12 years it pops up out of no where. 

Can you help me resolve this issue without being taken advantage of? 

Please and Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XXXX the XXXX 2019 I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) from the original account holder and Experian. Experian didn't investigate or provide me any prove this was my account. There failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

I demand the following accounts be verified or removed. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account
Product: Debt collection

I recently obtained a copy of my credit report from your bureau and observed that late payments have been inaccurately reported on my account. I am writing for numerous times demanding to remove the late payments and update the reporting accurately. As another bureau was able to complete their investigation and update the reporting accordingly. 
Account Information : XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
These late payments are inaccurately reflected, and I believe there has been an error in the reporting. I would like to bring to your attention that I have consistently maintained a positive payment history with the mentioned creditor. There were no late payments during the disputed period, and the current report does not accurately represent my creditworthiness.