23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent in a certified dispute letter to TransUnion regarding incorrect information that is reporting on my credit. This certified letter was received on XX/XX/XXXX. I have enclosed a copy of the certified mail receipt as well as proof of TransUnion receiving this letter. I have given TransUnion the allowed amount of time of 30 days plus an extra 30 days to respond. I did not hear from TransUnion, so I then sent them a second certified letter on XX/XX/XXXX giving them more than enough time to respond to my request. This second letter was received on XX/XX/XXXX ; I have also enclosed a copy of the receipt of this letter as well. On XX/XX/XXXX, I finally received a response from TransUnion stating that the information they received allows them to have until XX/XX/XXXX to finish my dispute. Due to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify the information I have requested which they have failed to do so. I have also enclosed a copy of the letter that TransUnion has sent me. At this time, I am demanding that TransUnion remove and delete all accounts that were included in the original letter dated on XX/XX/XXXX because they failed to following the federal law to verify within the allowed time of 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have noticed accounts on my credit report which do not belong to me.Two of the accounts appearing on my credit report that I don't recognize are from : XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if Transunion is unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below they must remove these accounts from my credit report.

Therefore, I am requesting that you please send me copies of the documents that Transunion has in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by Transunion, The Base Segment, containing XXXX fields, which provides the specific account information for me, The Trailer Record, Containing XXXX fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. NOTE : Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that Transunion has in their files that were used to verify them. If they do not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX transferred my mortgage to another company around XX/XX/2018. This was considered a transfer, this has happened before and should not have been a big deal as XXXX is getting out of the mortgage business. TransUnion reported this I was closing my account and so my credit score was reduced ( Number of accounts and average account age declined ) I called XXXX to understand what happened and then I called new loan company XXXX XXXX. I called XXXX and XXXX both reported my account in good standing. I called TransUnion and they say they can tell me nothing but they see no new status. I am now in limbo, my score dropped in XXXX/XXXX, I know the only factor that impacted it and yet no one can seem to do anything about it. 

I want my credit score to reflect that I have had the account for over 6 years and have never missed a payment. Not that I closed an account and now have an account that is 2 months old.
Product: Credit card

I am writing to dispute a billing error in the amount of {$2600.00} from Citi Credit Card that appeared on my credit report ( XXXX ). The amount must be mistake because I called the Citi representative to find out about this charge, but they were not able to find any account information under my name or social security number. This could possibly be a fraud and has caused damage to my credit. My family we 're trying to get a loan to buy a house and not able to because of this. I tried calling Citi Bank and Citi Credit Card, they provided me fax numbers to send in my disputes but both numbers do not work. They said only fax and no email for the disputes. I am unable to get through them. This is why I come here to your site for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have seven negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting

I have XXXX Accounts Closed reporting by Credit Karma for XXXX and XXXX Credit Bureaus. I need clarifications of why/how this continues to reports ; if I did n't request closure? In fact ; all of the merchants were paid off in full..I HAVE CONTACTED ALL MERCHANTS. The response is that they have to report this way. My credit score decreased by XXXX points instead of increasing ... I am debt free with the exception of our Real Estate loan.. Merchants should not be allowed to report an Account closed unless the consumer has requested ... Additionally this also impacts History/Length of time an Account has been opened and Credit score is decreased again ; according to information received from Credit Karma ...
Product: Credit reporting, credit repair services, or other personal consumer reports

NO KNOWLEGE OF THIS ACCOUNT. Notified XXXX and they will not reinvestigate. Account info Account name NAVIENT Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$76.00}, XXXX written off. {$38.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$97000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$31000.00} Highest balance {$0.00} Terms 240 Months On record until XX/XX/XXXX XXXX
Product: Checking or savings account

Chime decided to close my account on XX/XX/2020 and when I reached out on why or how to retrieve the {$20000.00} I had on deposit, they said they could not help and the funds would not be returned. I asked multiple times of how to fix the situation to no avail and no escalation. All the deposits came from an employer that I contract for and I have been received for the last 9 months.
Product: Mortgage

I have told JP Morgan Chase Bank, NA to get and stay out of my email. They keep on trying to access my bank account against my denials. Stay the heck out of my email account. please see attached. I never gave my email to them and want them to get and stay the heck out of it. I NEVER GAVE OR WILL EVER GIVE THIS PROFESSIONAL THIEF PERMISSION TO USE MY EMAIL OR ANY OTHER ELECTRONIC COMMUNICATION WITH THEM. I AM DEMANDING CHASE STAY OUT OF MY EMAIL. 
MY NEXT RECOURSE IS TO TAKE THIS ISSUE TO COURT, I HAVE HAD ENOUGH!!
Product: Debt collection

This is the second time I file a complaint For this agency and they continue to call me and harass me over and over. They are calling my cell number looking for a XXXX person. I do not know anyone named XXXX. I have been explaining this to them and they relentlessly continue calling me every day over and over. Since I first filed the first complaint over them they have started using unknown number lines on my caller Id. The banking agency calling me is comenity bank. Here is the prior complaint number I had filed XXXX. Please get these people to leave me alone. Below Ive added a attachment image of my callers list see how many back to back calls these people give me at all hours of the day.
Product: Vehicle loan or lease

This communication is in reference to the lack of response after three letters Ive sent in order to address the egregious actions undertaken by the car manufacturer financing company, during which they took possession of the vehicle by breaching the peace of my home in the middle of a global pandemic, after I had paid on time and in full all 36 payments agreed upon in the lease contract.

The country is under a National Emergency due the to the COVID19 pandemic which has impacted the entire United States, and is now the worst impacted country in the world. There is a mandatory lockdown in my state of Florida and weve been virtually told to stay home to prevent from spreading or catching this coronavirus for weeks now. 
Moreover, the US government has been trying to help those of us that have been impacted by this catastrophe that has left us without the possibility to work and earn our wages. 
Nevertheless, the car company has a financial arm that found nothing better than leaving me without transportation during these critical times and as though that were not enough, its also attempting to pass a liability of $ XXXX to me in these extreme economic circumstances, despite the fact that I paid for the lease contract in FULL by continuing to refuse to work with me in order to purchase the vehicle. 
Please help me address these issues once and for all so that I can resolve this matter amicably, rather than through the legal court system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account on my report are not mine, i have no knowledge of these accounts
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. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I owe Midland collection company a total of XXXX dollars and they call my phone at least XXXX times a day from similar numbers back to back.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX
Product: Checking or savings account

I had money transferred into my account on XX/XX/XXXX and there was a pending amount and current funds that were available to use. I made a purchase of gas from XXXX XXXX XXXX and left it to fill and it exceeded over the amount I had available in my account, which I didnt know was even possible because its a debit account not credit. But I was charged a {$35.00} overdraft fee and other fees on top of the amount that exceed over. I can not access my account due to it being closed due to overdraft I assume. I was not notified by mail or email stating account closure. But I am currently still receiving emails for monthly statements as XX/XX/XXXX.
Product: Checking or savings account

I contacted PayPal on the XX/XX/year> about a XXXX deposit that was put into my account now what's left in my account {$370.00} I call PayPal to inform them that I never took out any loan with this company net pay advance During the time I call them the balance was still {$400.00} letting PayPal know that my identity may be at risk or may been compromise but yet PayPal never reacted to keep my account safe after I explained to them that this wasn't me I never took out any loan with this company net pay advance PayPal did not freeze the account to keep others from going into the account pulling money off of the money that was deposit into my account which is {$400.00} Now they are requesting that I pay back the money when I call PayPal admittedly when I saw the deposit yes net pay advance did email me back telling me this was fraudulent I do have this email as well now sent PayPal didn't put a freeze onto the account that wasn't done by me now I'm responsible for something that I've tried to stop and never signed up for any loan
Product: Debt collection

About 2 years, I went on a cruise with XXXX XXXX XXXX and made a purchase through the XXXX. I was advised by the XXXX that I could return the items upon receipt. When I received the products, there was nothing included within the package related to what was shipped or return instructions. I contacted XXXX XXXX XXXX multiple times and was advised I would receive a call back once the information was gathered. 

After 6 months of attempting to return the products, I contacted XXXX XXXX ( my credit card ) and put the charge into dispute. XXXX XXXX conducted an investigation and contacted XXXX XXXX XXXX. XXXX XXXX did not receive satisfactory evidence from XXXX XXXX XXXX - in fact XXXX XXXX XXXX never responded to XXXX XXXX. As a result, XXXX XXXX credited my XXXX XXXX account for the {$1200.00}. 

About a year after XXXX XXXX credited my account, XXXX XXXX XXXX placed the account for the {$1200.00} with a collection agency. I have attempted to address this matter with the collection agencies multiple times and have even had to go the route of Cease and Desist contacting me. XXXX XXXX XXXX just re-assigns the account to another collection agency. Today I was contacted by Caine and Weiner on behalf of XXXX XXXX XXXX and was harrassed and accused of keeping goods where I did n't pay for services. My communications were not well received and I was treated as if I was a criminal.
Product: Credit reporting or other personal consumer reports

The accounts listed below are fraudulent and were opened or used without my permission. I have spoken with the companies involved, and they requested I file a report with the FTC and provide details of what occurred. I have no knowledge of these events. 

These accounts are incorrectly reported on my credit report, and I do not recognize them. Beyond these facts, I have no additional information. 

XXXX  XXXX XXXX, XXXX  XXXX XXXX and XXXX  XXXX.
Product: Vehicle loan or lease

Tebo financial services open account XX/XX/XXXX paid off XX/XX/XXXX closed account on XX/XX/XXXX total amount of the loan is XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act LVNV FUNDING LLC Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I also had no recollection of an account in Ohio. All transactions from this credit card were made in Ohio and I have not resided there in the past 10 years due to my military status.
Product: Payday loan, title loan, personal loan, or advance loan

I am the owner of a XXXX XXXX XXXX XXXX XXXX XXXX We have a legally binding contract with a homeowner to build a swimming pool provided that can get a direct to contractor pool loan using Lyon Financial as their lender. Pursuant to the contract the homeowner provided the {$3000.00} contract acceptance payment check to go forward based on the verbal approval we received and the notice they received from Lyon Financial that they were approved to be funded for the pool. The loan approval was supposed to be entirely based on the homeowner 's credit, nothing to do with us the pool builder as we have worked with Lyon in the past and completed the project, have been in business for over 20 years and have built hundreds of pools, and since we are not borrowing the money the homeowner is. We profit once the project is complete and we are paid in full. Lyon Financial prides themselves in being this perfect and easy to work with lender, that couldn't be anything further from the truth. Not only do they provide a direct to payment contractor under the most aggressive and unbalanced payment terms whereas we have to build 100 % of the pool using only XXXX 25 % payments after we have already designed, planned, permitted, excavated and have the concrete pool structure in place all out of pocket, no material and work in place up unto that point can be paid for due to the funds paid from Lyon Financial have to be used to further and finish the project, Lyon Financial can remove money from your account at will, arbitrarily, and to add insult to injury after working with Lyon on ( XXXX ) pool build, I voiced my opinion, XXXX XXXX decided to terminate my business as a dealer and then XXXX XXXX XXXX, and XXXX XXXX of Lyon Financial made us reapply to supposedly to only update our records to re-open the dealer account only to then turn down our business based on the fallacy of my personal credit worthiness, to which I never provided a social security number and non-existent negative business reviews and/or non-existent unresolved XXXX XXXX XXXX complaints which is all part of this credit discrimination that I am filing this complaint about. I have reached out to them to verbally and via email to reverse their credit discriminatory decision to no avail. We stand to lose of {$30000.00} plus is lost profits because of Lyon Financial 's credit discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I purchased the vehicle in 2018 XXXX XXXX hasn't been reporting the payments made to vehicle which will be paid off in XXXX it shows my loan is closed when it isn't. They sent me payment hisin which you can view online. I kept vehicle and didn't include it in a bankruptcy in order to build my credit back up but I'm unable because it's not being reported.
Product: Debt collection

Fraud on my credit report. Checked my credit report and found that macys has a fraud account on my credit and has a charge off which I never opened nor received a credit card from them and it is negatively affecting my credit score. I have submitted fraud papers, etc to macys itself, and whenever I try to get through to the fraud department, I can not. I contacted the CEO office of XXXX and spoke to numerous executive associates that transferred me to ALLIED ONE ( the debt collector ) because XXXX could no longer help with this issue so they stated. They are saying my account is accurate. I need to know if the next step would be to get an attorney?
Product: Debt collection

I am writing in response to your attempts to collect an alleged debt related to XXXX XXXX XXXX. This account is not verifiable, as I have made several attempts to contact the mentioned creditor to obtain validation of this debt but have received no response or substantiating information. 

Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1692 ( g ) of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of any alleged debt and to dispute its accuracy. As this account has not been properly validated, you are in violation of my rights by continuing to pursue collection efforts. 

I formally request that this account be immediately removed from my credit report and that any collection efforts cease until proper verification is provided. This includes documentation showing that the debt is valid, belongs to me, and is accurately reported. If you can not verify this account, it must be permanently removed, and no further action should be taken. 

Failure to comply with this request will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as pursue legal remedies for damages caused by your unlawful collection attempts. 

Please confirm in writing that this account has been removed and that no further collection efforts will be made. I expect your response within 30 days from the date of this letter, as required by law. 

Thank you for your prompt attention to this matter.