23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX of my accounts is not showing up in my credit reports. My credit history of XXXX years with XXXX XXXX was deleted from the Transunion systems. I called both the Bank and TransUnion to open a dispute but nothing has been done to fix the error. As today my credit report is showing incorrect information because XXXX of my accounts is not reflected, consequently the pending balance due is not reflected either. I need your help to restore my credit history and to reflect accurate information on my credit report. I already sent evidence to Transunion of the errors made in their system and submitted via fax a copy of a Transunion report dated XXXX XXXX 2015 that shows the correct information ( before the changes ) and a letter from the bank showing that I 'm the owner of the mortgage loan account that is missing in my reports.
Product: Credit reporting or other personal consumer reports

These are the accounts that I have marked as inaccurate. 
XXXX XXXX XXXX- {$170.00} XXXX XXXX- {$270.00} XXXX XXXX XXXX- {$500.00} XXXX XXXX {$510.00} XXXX funding- {$570.00} XXXX XXXX {$640.00} XXXX XXXX {$750.00} XXXX XXXX- {$1100.00} XXXX- {$1100.00} XXXX XXXX- {$1200.00}
Product: Credit card

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am never late, but they are reporting me as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX- XXXX XXXX added an account for {$2100.00} to my credit profile that does not belong to me. This account was disputed and removed from my reports previously in XXXX. This item was re-added to my report on XX/XX/XXXX. I immediately disputed the item on XX/XX/XXXX and the credit bureau returned results on XX/XX/XXXX saying this information was verified. This is not my account. This account has been reported to XXXX, Equifax and XXXX. This is not my account.
Product: Mortgage

I got divorce in XX/XX/XXXX. My ex-wife retain the home and responsibility for the mortgage payments. In XX/XX/XXXX, she fell behind and eventually went into the foreclosure process. Wells Fargo agreed to modify the loan. They instructed the housing counselor in the XXXX Save Home Program to have me sign a quick claim deed to remove my name from the title/deed so that they could modify the loan in my ex-wife 's name only. I signed the quick claim deed. I was removed from the deed. However, Wells Fargo did not remove my name from the loan. They modified the existing loan keeping my name on the loan without telling. The loan modification documents were never sent to me for signature. I found out because Wells Fargo is reporting negative information to my credit report.
Product: Credit card or prepaid card

I did a promotional balance transfer for {$12000.00} with 0 % interest until XX/XX/XXXX. The transfer occurred on XX/XX/XXXX. When I received my XXXX bill due XX/XX/XXXX, I paid the purchases that month in full of {$970.00}. When I received my XXXX bill due XX/XX/XXXX, there was an interest charge of {$3.00} based on {$160.00} of purchases. I called and spoke with a representative on XXXX and questionned the interest charge. I was told that they would waive the fee ( which they did ) and that to avoid this in the future, I needed to pay the purchases in full each month plus the minimum payment due. I paid the total purchases of {$49.00} and my minimum payment due of {$120.00}. When I received my XXXX bill due XX/XX/XXXX, there was an interest charge of {$4.00} based on {$230.00} of purchases. I called on XXXX and complained and I was told that it's a computation I'll have to complete each month by taking the new balance less the balance transfer and pay that amount. I actually paid more than that amount so the answer makes no sense. She waived the charge again but I have no way of determining what they are charging or why when the transfer balance should be {$0.00} interest and I am paying my purchases in full plus an additional amount. The customer service is terrible and they never have an actual answer as to why the interest is being charged or how the amounts are calculated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

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 15 U.S.C 1681 SECTION 602. A. STATES I have a right to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : No consumer reporting agency may make any consumer report containing any oof the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) 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: Debt collection

I was told to resubmit since it wasn't specific enough before. In XXXX I was put in collections by the XXXX XXXX XXXX for a tow after being hit by a drunk driver with no insurance. The collection, which I disputed at the time remained on my credit report from XXXX through at least XXXX when I stopped looking. In XXXX, a full decade after being off of my credit report, and 2 full 7 year periods for collections being allowed, a new collection agency called XXXX XXXX XXXX, ( partial account # XXXX ) has tried to restart the collection process from the beginning. I have reached out to Experian multiple times to get this illegal collection removed from my report but they have told me that they don't actually do anything except verify identity. My dispute is that you can not put a collection on someone's report for 4 out of the 7 year period, stop and then wait 10 years and resume like nothing happened. There are statutes of limitations and laws against double jeopardy. You also can not have someone in collections for 4 out of the 7 year period and then start over on day 1. As of now the item will not drop off my credit report until XXXX, which will illegally extend a 7 year reportable collection to 21 years. Also XXXX XXXX XXXX does not have the right information about me and is reporting an address for me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, that I have never lived at, not related to anyone who ever lived there, no friends who have ever lived there, and I have never even visited. This needs to be removed as well.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to delete and correct multiple inaccurate and fraudulent items on my credit report despite formal requests. 
These inaccuracies include wrong addresses, false account reporting, and improperly reported bankruptcies. I am suffering significant financial and personal harm due to these errors, and Equifax 's failure to comply with the Fair Credit Reporting Act ( FCRA ) demands action.
Product: Credit reporting or other personal consumer reports

I have made numerous phones throughout the past few months to TransUnion. I have also sent them certified letters to TransUnion Consumer Relations office informing them that there are 5 accounts reporting inaccurate information as well as negative information. I let them know that there are several inconsistencies with the information they are reporting and the other bureaus. They did nothing about it. I sent those letters XX/XX/2023 and XX/XX/2023 as well as on XX/XX/2023. The accounts that are reporting incorrectly are XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from WF/XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that WF/XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Checking or savings account

I opened a Citibank Checking Account on XX/XX/2018 with the promotion of getting {$500.00} if I deposit {$15000.00} in the account and keep it for 60 days which I did. I was supposed to get the money by the 60th Day. I have completed all the qualifying activities and should be getting my money which I haven't got till yet. Please look into this.
Product: Credit reporting or other personal consumer reports

I noticed there was a XXXX on my consumer report filed on XXXX, I contacted the XXXX court and they stated " they do not report to credit agencies '' I wrote to each credit agency and requested information on how did they receive this information. They never responded. Also this year will be the XXXX year this XXXX has been on my consumer report. Please investigate and provide proof with statements showing that this XXXX was obtained legally. Also the statue of limitations/time allotted for this reporting has expired. If proof can not be provided, I demand this XXXX be removed for both reasons. Thank you! Please see screenshot attached.
Product: Credit card or prepaid card

Netspend by XXXX is sending messages and cards to consumers stating that they chose to open an account with them when in fact it is promotional and from a mailing list. It is deceptive and intentionally so. When I called to inquire about the email sent to me about my new account and debit card that I requested, I was told to just contact my email provider and that the customer service agent could not validate whether I was or was not a customer.
Product: Credit reporting

XXXX XXXX XXXX XXXX ran a hard inquiry on our credit reports without our authorization. We never heard of this company before until we received alerts about activity on our credit reports. This is Fraud.
Product: Debt collection

CAPITAL ONE BANK HAS VIOLATED THE FCRA REGULATION V/ FCRA SECTION 623 ( A ) ( 7 ).- DUTY TO PROVIDE THE CUSTOMER WITH WRITTEN NOTIFICATION ABOUT THE INSERTION OF NEGATIVE INFORMATION AFTER 30 DAYS OF ITS INSERTION. 
I HAVE NEVER RECEIVED SUCH NOTIFICATION FROM CREDITORS IN THE PAST OR PRESENT. 
IF THE CREDITOR FEELS THAT THEY HAVE SENT ME PROPER WRITTEN NOTIFICATION WITHIN THE LEGALLY ALLOTTED TIME FRAME ACCORDING TO FEDERAL LAW, THEN I AM REQUESTING A COPY OF THE CERTIFIED RETURN RECEIPT BEARING MY NAME AND SIGNATURE ON IT. IF THE CREDITOR CAN NOT PRODUCE THE REQUESTED DOCUMENT MENTIONED ON TIME, I AM REQUESTING IMMEDIATE DELETION OR I WILL NOT HESITATE TO START LITIGATION TO SEEK MONETARY DAMAGES FOR NONCOMPLIANCE AND CIVIL LIABILITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax currently reports an inquiry i do not reconized, XXXX XXXX XXXX This Inquiry is unauthorized, illegal Reporting has no permissable cause, no loan or credit has been awared. a violation of FCRA rules
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Consumer Financial Protection Bureau I sent a letter to EXPERIAN disputing an account as erroneous on XXXX and mailed EXPERIAN a certified letter, return receipt requested. I received notice that EXPERIAN has received the dispute letter. It is now XXXX XXXX XXXX 

According to the Fair Credit Reporting Act, EXPERIANs role in the dispute process is to review the accuracy and completeness of any disputed item. EXPERIAN did not contact the furnisher or vendor, or verify that all of the information regarding the item that I disputed within 30 days of XXXX, the date that EXPERIAN received my request ( 21 days for Maine residents ). EXPERIAN therefore did not resolve the dispute, or review any relevant documents submitted with the dispute. 

The disputed information was not verified, EXPERIAN MUST delete or modify that information, as appropriate. EXPERIAN did not receive a response from the furnisher or the vendor within the required period. 

Under legal protections of the Fair Credit Reporting Act, I demand that EXPERIAN update the item as I have requested or delete the information, and send me the results. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), EXPERIAN was required by law to verify the accuracy within ( 30 ) days of my dispute. EXPERIAN has not verified the information within the 30 day time period, EXPERIAN must delete the disputed account from my report. EXPERIAN must now delete the disputed and unverified account. Failure to do so may result in a {$1000.00} fine per undeleted item. Attached is a copy of the postal receipt of my credit dispute to EXPERIAN and a copy of my original letter showing the account I have disputed.
Product: Student loan

-  XXXX   XXXX ,  XXXX  : Received a notice from the IRS saying that my  XXXX   XXXX   XXXX   c/o  Genesis Lendin g Services loan of  {$4000.00} was being recorded in my  XXXX  tax return as a cancellation of debt. I then owed the IRS {$3400.00} ( {$110.00} of that is interest ) - After many complaints to the IRS about the invalidity of this debt, they made me go on a payment plan or threatened to have my wages garnished. So now I am paying {$100.00} per month to resolve this debt with the IRS. But do not feel that this debt is valid. So now after I, hopefully, get this resolved, I will need to work on getting a refund from the IRS.     - I never signed a loan with Genesis Lendi ng Services, that I can remember. I have since created an account with www.studentloans.gov to see if I could find my Master Promissory Note, an d it 's not registered in the system. I then called  XXXX  University to see if I could get a copy of the MPN, and they said that the campus I attended closed and they do not have access to those records yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received a letter from TransUnion stating that they could not proceed with my investigation because they believe that I am using a third party company or XXXX XXXX XXXX for my dispute that I submitted. This is a stall tactic first and foremost and secondly Ive took the time out to study and learn my right under the FCRA! Therefore all dispute letters have been drafted by me, myself and I. I am being accused of this and they dont have anything supporting information to support their theory.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Dear CFPB, In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX have violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
I didn't give permission to these accounts to publish my information to TransUnion, XXXX and XXXX. 

The accounts are below : XXXX XXXX XXXX Account number : XXXX XXXX  XXXX : Account number : XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX XXXX XXXX XXXX ARE WRONGFULLY PUTTING FORTH INFORMATION THAT APPEARS HONEST AND CORRECT ON ITS FACE YET, WHEN THE RESULTS OF INVESTIGATION AND FACTS IN THE COMMON PURVIEW ARE REVEALED ... EXPERIAN AND XXXX XXXX XXXX HAVE A LEGAL PROBLEM WITH THEIR ATTITUDE AND INSISTENCE ON A LACK OF FORBEARANCE TO STATE SOFTLY AND MAY BE CONTRARY TO XXXX XXXX CHECK CLEARING LAWS, THE FCRA AND THE FDCPA.HERE AND BELOW I STATE MY SIMPLE CASE THAT I WOULD BE HAPPY TO BE HEARD BY A SMALL CLAIMS MAGISTRATE AND THE XXXX XXXX XXXX WHICH EXPERIAN AND OR XXXX XXXX WOULD LIKELY APPEAL TO ... ... ..SHOULD I DECIDE TO SPEND {$60.00} TO TAKE THIS CFPB CASE TO COURT. 
XXXX XXXX XXXX XXXX. ACCOUNT NO XXXX .... HAS DESTROYED MY CREDIT FOR 5 YEARS BECAUSE XXXX XXXX CLAIMS THEY WERE NOT PAID {$250.00} THE FINAL PARTIAL PAYMENT ON A CAR LOAN ... XXXX XXXX 'S PRESIDENT 'S OFFICE HAS RESPONDED TO EARLIER CFPB COMPLAINT STATING THAT MY FINAL CHECK BOUNCED AND THAT THAT CHECK TOOK 47 DAYS TO BOUNCE OR BE CLAWED BACK BUT THAT WF HAD A BAD CHECK FROM ME DETERMINED 47 DAYS AFTER RECEIPT FROM ME. 
THIS CAR LOAN WAS PART OF A GROUP OF LOANS UNDER AND STILL IS UNDER SCRUTINY OF THE CFPB AND THAT XXXX PAID XXXX XXXX AND THE PRINCIPAL OF FOREBEARANCE WAS USED TO REDUCE THAT XXXX XXXX DOLLAR FINE TO XXXX XXXX FROM XXXX XXXX DOLLARS ... 
THE LARGEST CFPB FINE IN HISTORY AGAINST A BANK FOR UNSAVORY BEHAVIOR BY THE CEO CFO AND IT HEADS .... XXXX XXXX. 
HERE IS THE ISSUE ... DURING THIS YEARS LONG TIME WHERE XXXX WAS MISSING {$250.00} FROM ME THEY WERE ACTUALLY IN POSSESSION OF IT BECAUSE THE CFPB DETERMINED THAT XXXX STOLE THAT MUCH FROM ME IN MY AUTO LOAN GIVING INSURANCE REQUIREMENTS THAT WERE ILLEGAL. 
SINCE THE CFPB DETERMINATION, LONG AFTER THE 5 YEARS OF DESTRUCTIVE CREDIT REPORTING BEGAN UN-CEASELESSLY I RECEIVED A CHECK FOR AN AMOUNT SIMILAR TO THE XXXX DOLLARS BECAUSE XXXX WAS FORCED BY THE CFPB TO RETURN AT LEAST A PORTION OF THE MONEY WELLS STOLE FROM ME BACK TO ME .... 
SO WHILE XXXX WAS CLAIMED XXXX DOLLARS OWED TO THEM, THEY ACTUALLY POSSESSED STOLEN FUNDS THAT THEY CRAFTILY STOLE FROM ME IN MONTHLY PAYMENTS THAT EXCEEDED THE XXXX DOLLARS THEY WANTED BACK BECAUSE MY CHECK TOOK 47 DAYS TO BOUNCE. 

WHAT DO YOU SAY ... SHOULD WELLS AND EXPERIAN GO TO SMALL CLAIMS AND SUPERIOR COURT WITH ME OR MAKE A BUSINESS DECISION AND DELETE THIS ACCOUNT?
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested to be removed as an authorized user on American Express Gold card through their online chat. I have tried to remove the account from my credit reports, but the dispute claims the information is correct.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Amerinat was the servicer of my 2nd mortgage that was paid in full on XX/XX/XXXX through an escrow with XXXX XXXX XXXX XXXX. Amerinat collected all the fees and amounts due to them and demanded from them on that day but waited untill the Spring of XX/XX/XXXX to contact the County of XXXX to release their lien without success. They have not released the lien on my property even after the close of escrow but instead are demanding for more money from me. Please help me to resolve this matter and have them release the lien on my property. Thanks.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name : XXXX XXXX  XXXX Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Student loan

My School is part of the school misconduct lawsuit a few years ago, the department of education already discharged my federal student loans. I had a small loan with XXXX ( now Mohela ) I contacted them about the school misconduct complaint, they advised me to do the school misconduct application. I did my first application one XX/XX/year>XXXX  I got a denial letter XX/XX/scrub>XXXX XXXX When I call to appeal they wont tell me why its denied the rep just told me to do another one add more info but I dont know what they are looking for, so i redid the application with more information and more details and that also got denied. Sent two more after that and they saying its a repeated request so its denied. I called multiple times and they told me I would get a call back from advocate and still no call back going on 2 weeks with multiple attempts.
Product: Credit reporting or other personal consumer reports

EQUIFAX AND XXXX AND XXXX CONSPIRED TO CHARGE ME FOR SERVICES RENDERED WHEN THEY NEVER RENDERED ME ANY SERVICES. 

I ORDERED XXXX SERVICES ON LINE AND PHONE AND THEY SET A DATE IN ONE WEEK TO SETUP THE SERVICES AND ON THAT DAY XXXX NEVER SHOWED UP TO INSTALL ANYTHING. I CALLED THEM AND THEY SAID SORRY THEY COULD NOT MAKE IT BUT THEY WOULD COME BACK OUT IN ANOTHER WEEK. I TOLD THEM NO THAT I WANTED EVERYTHING CANCEL AS THEY DID NOT HAVE THE COURTSEY TO EVEN CALL ME FOR NOT SHOWING UP AND I DID NOT WISH TO DO BUSINESS WITH SUCH A POOR COMPANY. THEY NEVER CAME TO MY HOUSE PERIOD FOR ANYTHING. 

NEXT I CALLED XXXX AND THEY SAID ALL WAS CANCELLED. 

THAN I GOT REPORTED TO THE TWO CREDIT COMPANIES. AND WROTE BOTH CERTIFIED LETTERS TO NO EFFECT.