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

This a complaint against Experian I tried on several time to disputed these account because theres several inconsistencies and inaccuracies, and untrue. 

XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX I dispute these XXXX account back XX/XX/2022 and XX/XX/2022 these account come back verify I asked Experian to provide me the verification method the failed to do so. As now I demand to immediately remove these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a PAID collection with XXXX XXXX XXXX for XXXX as well as UNVERIFIED late payments with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  that I have been disputing with the bureaus. I sent my first dispute to the bureaus on XXXX XXXX, 2020. I have sent again, disputes on XXXX XXXX, 2020, after the bureaus did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them ).
Product: Money transfer, virtual currency, or money service

I used my chime account for everything including direct deposit, and one day I received a notice that my account was closed and they refused to give any information nor have they ever allowed me to reopen the account,
Product: Debt collection

I recently reviewed my credit report and noticed a lot of unauthorized accounts, inquiries, and several unfamiliar things on my credit. I see bankruptcies as well. This has caused a huge impact on my credit health and has stopped me from wanting to inquire about anything credit related. Im a victim of I.D . Theft and want to resolve the above issues so that I can have the same opportunities as others and gain financial stability.
Product: Debt collection

Convergent Outsourcing recently reported ( XX/XX/2016 ) my credit, claiming that I owe {$630.00} to XXXX in the state off XXXX. This debt is fraudulent as I have neither opened an account with XXXX nor lived in XXXX. Although I have disputed and successfully deleted this debt with all XXXX credit bureaus, at least XXXX times in the past, it keeps reappearing on my credit report.
Product: Money transfers

I used Western Union direct bank for International money transfer for sending money XXXX. 
The money was transaction was done on XXXX XXXX, 2015 and they promised that money would be available on receivers account on XXXX XXXX. when I checked the receivers account on XXXX XXXX the money was not deposited. Then I call immediately to the Western Union XXXX Bank money transaction department. they said that the receivers bank was rejecting the transfer and money would be refunded to my account within XXXX business days. I was waiting for patiently those days and still money was not credited to my account. Every time when I call the representatives, they were saying that they were escalating the issues and problem would be solved within XXXX to XXXX hrs.But the problem would not solved, no one would be contacted and no follow up, waste of time, and money was not credited to my account. 
When I was using the XXXX or XXXX for international money transfer, money was deposited to receivers account on proper time with no issues. Even I discussed with receivers Bank Managers why money was rejecting when western union sending, they said that they are not rejecting it was western union problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I disputed an account with TransUnion and XXXX about inaccurate information. I sent in court documents stating that I do not owe Any type of debt. The account was sold to a debt collector that's not even on my credit report. I'm not sure how TransUnion is verifying correct information when I'm sending straight facts of documentation.. I have new information from the original creditor asking u to delete this account as of XX/XX/2022 XXXX XXXX account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion willfully neglects to remove inaccurate verified derogatory accounts. Their verified return file shows more inaccurate inconsistent and fraudulent information. What is the law to an account starting in Collections? Then recently changed/when investigated and updated Us Department of ED Account # XXXX XXXX & XXXX In violation of multiple FCRA USC 1681 6802 1028a 1681n 6801
Product: Debt collection

I tried on multiple instances to settle both accounts, I have sent several settlement letters to PRO-COLLECT for a settlement of claims for both XXXX XXXX  and XXXX XXXX. I have failed to receive a timely correspondence to those settlement offers. 

I am not stating that this Debt is indeed mine.
Product: Mortgage

On XX/XX/XXXX My wife and I received a loan estimate for a {$450000.00} loan to refinance our home. It reflected {$1200.00} for services we could shop for. We signed and submitted our intent to proceed the same day and did not change or shop for service providers. On XX/XX/XXXX we received another loan estimate from the same mortgage company where the appraised value was changed from the estimated {$600000.00} on the original Loan Estimate to {$600000.00} appraised value on the second Loan Estimate reducing the loan to value from 75.00 % to 74.38 %. Loan amount and the interest rate were not changed. However, services that we could shop for were increased from {$1200.00} to {$1800.00}. I alerted the mortgage company and stated that we did not choose or change service providers and these fees should not be higher. I received no response. The next day on XX/XX/XXXX we received closing disclosure that reflected the same higher fees for these services. The loan closed on XX/XX/XXXX where the interest rate and the loan amount were exactly the same as the original Loan Estimate, but the final closing statement reflects {$1800.00} for services that we could shop for which is {$530.00} more than the amount reflected on the original Loan Estimate. I contacted the mortgage company on XX/XX/XXXX and requested a refund of {$530.00}. They refused and stated that even though we did not chose or change service providers, provided the intent to proceed in a timely manner, and there were no changes to the loan amount, the interest rate, credit rating, or other documentation, they were in full compliance and would not issue a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and correct it immediately in my report : XXXX XXXX  XXXX Balance : {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/22 ( attached ) I mailed a letter to Transunion, disputing several accts that had erroneous information on them, which subsequently are damaging my Credit Score & in direct violation of the Fair Credit Reporting Act. Transunion received this letter on XX/XX/22. There was no response so I sent an additional letter on XX/XX/22. Today is XX/XX/22 & the following accts are still showing inaccurate & erroneous information, which is in direct violation of the FCRA : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX I have given Transunion more than 30 days to conduct a proper investigation & correct the information I had previously pointed out to them as incorrect. They REPEATEDLY refuse to do so. They have not even responded. According to the FCRA, I have the right to % 100 accurate information on my credit report. This information is obviously inaccurate & I would like it removed immediately.
Product: Credit card or prepaid card

Funds withdrawn at B of A atms that were not me, noticed money missing. Filled claims to B of A and they are dragging their feet one department doesnt seem to know what the other is doing, and they dont contact you or give any good customer service. First {$1000.00} w/d at ATM in XXXX at XXXX XXXX branch on XX/XX/21, this is 25 miles from my house, in XXXX XXXX XXXX I live in XXXX XXXX XXXX ! Second, {$1000.00} w/d at ATM in XXXX, CA. XXXX on XXXX XX/XX/21. Third {$1000.00} w/d at B of A ATM at XXXX XXXX XXXX in XXXX, CA. XX/XX/21. This one is close to home I shop at this store, but I have never used a ATM there. Worst part is B of A not working to resolve quick enough, its their ATMs, all they need to do is check the video footage and see its not me! Their handling of this ( or lack of ) is unacceptable, borders on Criminal. Dont know how they got the California EDD account to provide these Pre paid debt cards? Like I said their customer service is very bad!
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed with Equifax several times and they will not remove the ch XXXX bankruptcy that was filed fraudulently docket # XXXX Attorney XXXX XXXX XXXX filing date of XXXX and dismiss date XXXX. I have sent the documents several times and the investigation does nothing. 
I would appreciate immediate help I can get on this matter as it has caused a lot of anguish and stress for my husband and me. 
The address is also wrong on the bankruptcy filing it is not on any credit reports. This should be enough for the removal but unfortunately they did not resolve and remove this. 

I'm also attaching the actual court documents from XX/XX/2019. This public record is complete fraud and totally out of compliance with the FCRA.

MY Social Security XXXX Birth Date : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting for a few months to get a child support account off my credit. It's already removed from XXXX but it is still showing on equifax and XXXX. I have sent multiple letters to no avail. Child support should not be showing on my report. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. I have attached my previous dispute letters.
Product: Checking or savings account

The agent who answer the phone at Alliant say they can not help me because I am XXXX and they have to transfer my calls to supervisors, I am then left on hold until a time I am unable to complete my business. Then some woman comes on the phone is really insulting and because I say I am looking for equal access as a XXXX person she starts saying she is XXXX for some reason. I have no idea why nationality matters when I am seeking equal access as a XXXX person.
Product: Debt collection

XX/XX/XXXX Transworld came on my credit report due to a debt from XXXX XXXX, spoke with them was told it was from XXXX XXXX inform them I have been with XXXX XXXX XXXX  with internet and Cable since XXXX also informed them I have never lived at the address and have been living in XXXX street since XXXX. Was told to send documentation to prove it, sent documentation to the compliance email and was told to wait 30 days, waited and received no information. When contacted Transworld about it I was told it would have to be paid to get it deleted. Paid it in XXXX of XXXX. In XX/XX/XXXX when starting my home process I was told the collection was still on report and to get it deleted. Contacted Transworld again and was told they can only email me a paid in full but they can not delete it that I would need to dispute through the credit bureaus. Did a dispute with XXXX and it was deleted. A later later I contacted XXXX regarding the dispute and was rudely told its nothing can be done and I need to contact Transworld for it to be deleted and answer the dispute or it would be in my credit until XXXX. Contacted Transworld and was told again they cant send anything to delete and there is no one I can talk to that handles disputes.
Product: Credit card or prepaid card

cWhen I was back in college, my main focus was college. When I finished my first year an came home, I started getting calls about a card I was not aware of. I was only XXXX and never knew anything about the card, but they still tried to make it seem like it was my card saying it will be sent to collections and doing scare tactics. I started paying on the card because they would not leave me alone. That is when I told them it was n't me and that I would not pay for something I did not do. The account was sent to collections and it has scarred me. They call me and ask me when would I like to make a payment but I am still not going to pay for something especially when I did not apply and physically receive the card in my possession. I would love to apply for a card but I can not do so until this is off from my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) I have attached a copy of the cashed check dated XX/XX/XXXX to show payment was made timely. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

On XX/XX/XXXX, I received a letter from Receivables Outsourcing LLC, dated XX/XX/XXXX, requesting a payment of {$62.00} to XXXX XXXX Hospital for the service performed on XX/XX/XXXX. 

I responded with the letter ( mailed on XX/XX/XXXX ) that according to my insurance XXXX XXXX and XXXX XXXX XXXX I am not responsible for the {$62.00} charged by XXXX XXXX Hospital. Namely, in the Explanation of benefits letter the XXXX XXXX XXXX wrote : " The total amount of what is not allowed and/or not covered is {$62.00} of which you owe {$0.00}. '' Regardless my explanation, Receivables Outsourcing LLC did not respond and did not withdrew the request for payment.
Product: Credit reporting or other personal consumer reports

My submission is to urgently request your assistance regarding a 30 day late reporting credit entry that has recently appeared on my credit report by XXXX XXXX XXXX. This matter is of critical importance, as it has the potential to disrupt the business credit lines I rely on to rebuild and recover from the devastating fires in XXXX XXXX. 
In XXXX, as the fires were ravaging the XXXX XXXX area, where I live and work, I reached out to a XXXX representative via phone and written correspondence to explain the fire situation happening in XXXX XXXX and the evacuation notices : both my home and business were significantly impacted by the recent fires. At that time, I was assured that my account would not be reported as late due to the disaster, and I was granted additional time to manage my payments. Following this communication, I did not receive any further calls or notifications from XXXX regarding my account status or any potential delinquency so I would not have suspected my account to be heading into delinquency. It was recently discovered that XXXXXXXX XXXX internal system did not match the phone number that reflected under my profile information which explained the issue with no phone calls. On XX/XX/year>, I received a credit monitoring alert notifying me of a XXXX point drop in my credit score. I immediately submitted full payment for all amounts due through XX/XX/year> and frantically made calls to XXXX to find out how this happened. Despite the daily efforts regarding this urgent matter, the late reporting remains on my credit report, which could severely jeopardize my ability to access the credit necessary to restore my business operations and continue my recovery efforts after the XXXX  fires. 
I kindly and urgently request your assistance in having this late reporting removed from my credit report as soon as possible. Your prompt attention to this matter is crucial, as it directly impacts my ability to rebuild my business and move forward from this challenging period. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : USAA XXXX Account # XXXX Credit Limit {$8500.00} Account Holder : XXXX XXXX XXXX TO USAA Federal Savings Bank XXXX XXXX XXXX XXXX {$9900.00} I do not agree that my XXXX XXXX XXXX was ever as high as {$9900.00} and am certain if I had ever charged over my {$8500.00} credit limit, USAA would have notified me and I have no records of them doing that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Also, update my personal information to my credit report. 
See attachment for the following : FTC Complaint form A copy of my Identity Theft Report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit card or prepaid card

Bank of America shows me a FICO score. When they do they provide misleading information about credit balances and ratios of revolving accounts. 

They provide messaging that indicates to a reasonable consumer that consolidating revolving credit balances doesn't generally help your FICO score, which is wholly inaccurate.

In fact consolidating revolving credit balances to a personal line of credit that is fixed at a lower interest rate helps you pay down your debt faster and also improve your FICO model XXXX credit score. 

I believe they are violating UDAAP, FCRA and misleading users of their credit score monitoring service.. to benefit the bank and harm the consumer.. by discouraging behaviors that would benefit the consumer and help the consumer lower their high interest balances with the bank.
Product: Mortgage

Beginning in XXXX of the year XXXX. I made application to " XXXX XXXX XXXX XXXX '' for a unsecured personal " LINE OF CREDIT ''. I assumed I was approved for the unsecured personal " LINE OF CREDIT '' and was aware of the draw period would be for 20 years ending in XXXX of the year XXXX. The only document I signed at the branch office in XXXX of the year XXXX was revealed to me in XX/XX/XXXX, when I went to the same branch location of now " WELLS FARGO '' to make application for a refinance of the existing " LINE OF CREDIT '', well in advance of the XX/XX/XXXX maturity date. The banker taking my application made a phone call to have faxed to his office the needed paperwork. I was shown a just faxed, " XXXX XXXX XXXX XXXX-PRIME EQUITY LINE AGREEMENT '', dated XX/XX/XXXX. I have been debited for almost 19 years according to a security agreement without ever signing any other documents. I continued with my automatic payment withdrawals until " WELLS FARGO '' stopped taking monthly payments after XX/XX/XXXX. The Pandemic occurred, " WELLS FARGO '' finally realized, in XX/XX/XXXX, what I told then since XX/XX/XXXX, that they did not have a Mortgage on the Primary Residence. I made them a settlement offer that benefits all, they declined.
Product: Credit card or prepaid card

I booked an XXXX stay for XXXX XXXX in XXXX, XXXX. The host lied about the services being provided at the XXXX. 
Specifically : 1 ) breakfast was listed as provided, and it was not. 
2 ) food essentials were listed as provided, and they were not.

3 ) the pool was supposed to be cleaned by professionals twice a week, and it was never cleaned during our 8-night stay.

4 ) housekeeping was supposed to change bathroom towels every other day, and they never did so. 
It is clear that the service was not accurately described, and we did not receive the service as agreed when making the reservation. 
The XXXX host provided defensive answers when we reached out to notify them of the issues ( e.g., " there is a washer in the unit, you can was the towels yourselves '' ). 
The merchant refused to issue a refund as we failed to notify them within 24 hours of our arrival at the property. 
Upon contacting Chase to dispute 25 % of the XXXX charge ( {$540.00} out of {$2100.00} XXXX, they refused to open a dispute as they claim to not be allowed to take money back from XXXX after a stay is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} LA XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$820.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} LA XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The original creditor affirm violated FCRA by misstating the balance due. The original creditor sold by debt to collection agency named XXXX. On my credit report it says balance due {$120.00}. But XXXX XXXX is requesting {$120.00}. I will be submitting attachments as proof. The point of action is to remove this collection debt from my credit report immediately. I have asked XXXX for validation letter but never received it over and over they wouldnt help. I submitted a validation letter.
Product: Credit card or prepaid card

This Amex was opened during a time I could not have possibly opened the account. It was opened XXXX of 2016 when I was in confinement. I have documents proving my wherabouts which can prove I would not be able to open an AMEX. I paid the account a couple years ago, because a debt collection agency kept calling me and thratening to granish wages. I didnt know about the CFPB at the time, but I'd like this removed and rectified. Ducment included in trial paper work which shows I was in pretrail confinement as well as my sentence.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions