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

I sent this letter as a follow-up and clarification on what items I need to eliminate. to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any of these items not later than 4 business days after XX/XX/2022 Ive already included this in my previous Complaint and I am including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Debt collection

I all started with a random payment on XXXX  that wasnt me cause I never even had an account for that website. So then I was negative in my bank account. Then I reached out to PayPal and they said basically didnt help me out. So I contacted my bank and then PayPal refunded me and everything was good. Until my account went negative with the money they already had already paid out. So I dont get why my account went negative
Product: Debt collection

XXXX XXXX XXXX, XXXX, as Trustee for the pooling and servicing agreement dated as of XXXX XXXX  XXXX XXXX XXXX ,  XXXX, Asset-Backed Pass-Thorough Certificates 2004-MHQ1, By way of Trott Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. XXXX aka XXXX XXXX XXXX and ALL OTHER OCCUPANTS 36th District court case # XXXX Stole my home that was illegally foreclosed on. After the house was paid off, probated and awarded to me. They Illegally evicted my dead step mother and all occupants. After I showed the court the original death certificates, the original XXXX XXXX probate courts order XXXX. That XXXX XXXX has been dead since XXXX  and it isn't possible to serve dead people court documents In XXXX.or to evict her in XXXX. For the illegal foreclosure or for the eviction. XXXX XXXX forged a fake eviction by making a false statement to 911 that I threatened a bailiff and the XXXX Police department Incident report # XXXX proceeded to illegally detain me, while they stole everything and locked me out of my own home. XXXX XXXX XXXX XXXX in the process. I have mailed the supporting documents. Their detailed confesion.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 also 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 ar open end consumer credit plan as late for XXXX purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2017 all student loan debt was paid off with a zero balance remaining. After working to get delinquencies removed I was advised to print of a loan summary detail by a representative from XXXX XXXX XXXX. This report provided online gave a detailed descriptions reflecting XXXX days delinquent and a zero balance on ALL accounts. This report was then submitted to all three credit bureaus resulting in them removing all but XXXX XXXX XXXX of the XXXX agencies. The information provided allowed them to removed the majority except XXXX. The loan summary detailed report provided all accounts I had through XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was told by a representative of Credit-Control LLC that if I paid off my collection account in full, the account would be deleted from my credit report. Based on that assurance, I paid the account in full. After the payment was processed, I followed up and was then told by a different representative that they do not offer pay-for-delete agreements and that the previous representative was not authorized to make that statement. I feel I was misled into making a payment under false pretenses, and now the agency refuses to remove the account or provide the recording of the call where the agreement was made. I am requesting that the CFPB investigate this matter and help me obtain either the deletion of the account from my credit report or the recording of the call where I was told the account would be removed.
Product: Credit reporting or other personal consumer reports

Cb indigo falsely did an inquiry for credit check without my authorization
Product: Credit card

Someone opened a Credit Card ( and potentially Checking Account ) in my name at Truist Bank. The account appears to have been opened at the branch located in XXXX, NC at " XXXX XXXX XXXX, NC XXXX ''. My identity has been compromised. I have never had any business with this bank and haven't lived in NC since 2013. This is fraud and identity Theft. 

The individual who stole my identity appears to reside at " XXXX XXXX XXXX XXXX, VA '' based on the addition of this address to my XXXX Credit report. 

I have attached a screenshot of this account on my XXXX Credit Report as part of this complaint.
Product: Credit card or prepaid card

On XX/XX/2021 I may my final payment of {$00.00} and I request that my account type platinum card # XXXX be closed and show pay in full with a zero balance in good faith. The teller said that he could not close my account to call Well Fargo 800 number. I am still getting the runaround. See document from Well Fargo not stating that I have a zero balance in good faith.
Product: Mortgage

On XX/XX/XXXX, I signed papers for a Reverse Mortgage with Generation Mortgage Company, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. I had been working with their representative via phone and email on this loan for more than XXXX months. She was very helpful and knowledgeable, yet when the closing representative came to my home, he brought incorrect documents for the wrong type of Reverse Mortgage. There were XXXX pages in the paperwork and I inadvertently signed the wrong type of loan. I trusted that Generation Mortgage filled out the right paperwork and I trusted that I should sign where their closing representative told me to sign. 

Only a few days prior to this I received an email ( which I still have on my computer, showing the representative 's information AND the Generation Mortgage logo and information ) from the Generation Mortgage loan processor listing exactly what dollar amounts I would receive at closing, what that first disbursement would pay off and how much I would be left with AND exactly how much ( plus growth ) I would receive on day 366. When I spoke with a supervisor at Generation Mortgage the end of XX/XX/XXXX, she said that the processor no longer works for them and " unfortunately '' I signed the wrong type of loan ( the difference is in a fixed rate or a flexible rate loan ). She said the word " unfortunate '' so many times that I finally told her " this is WAY more than " unfortunate '' to me! 

I was never told there were XXXX types of Reverse Mortgage loans and I certainly would not have signed the documents had I been told that if I did sign I would be " forfeiting '' the XXXX half of my money on day 366! 

I am a widow. I lost my husband of XXXX years four years ago to XXXX XXXX. I was greatly depending upon this money I was to receive on day 366. My husband and I spent all of our money trying to save his life. This Reverse Mortgage money was supposed to sustain my retirement. I should have received nearly {$30000.00} on XX/XX/XXXX. It is now XX/XX/XXXX and I am in dire financial straits, thanks to what I consider to be " bait and switch '' tactics used by Generation Mortgage. 

In my opinion, Generation Mortgage needs to simply re-do my loan papers, changing them to the type of loan I was led to believe that I was getting at the time. They need to do this immediately and disburse the XXXX half of my money to me right away. I have forwarded the emails from their representative to the supervisor I spoke with and she said, " I see where your confusion is coming from. '' I am NOT confused and I think the emails are very clear. They simply " checked '' the wrong boxes on the paperwork giving me the wrong type of loan.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report to find the following item I dont recognize. I have explained the discrepancies of the Account XXXX XXXX XXXX XXXX. to my records the account you are reporting on this account is unrecognizable. I would like that this be remove from my credit report immediately.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1692 c ( c ) that law states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication with consumer. Reporting to my consumer credit report is form of communication. 

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

I wasn't able to reach a live agent or find a phone number there was only an email or I think texting this happened XXXX XXXX XXXX XXXX XXXX I also almost was scammed by someone on the internet while looking for a cash app number to call
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint with Experian for this account with XXXX XXXX XXXX ( XXXX  XXXX ) as XXXX XXXX  is only reporting the date that they bought the file. They are reporting that this account was opened in XX/XX/XXXX. They are not reporting or even showing the date that the account was charged off during the statement period of XX/XX/XXXX to XX/XX/XXXX. Experian DOES NOT have any place where the original delinquent date can be displayed on my report. It makes it look like the account went bad on XXXX XX/XX/XXXX, not 2 years earlier. Each and EVERY time I dispute it they always say the information is correct. According to what I read in www.ftc.gov/os/statutes/fcradoc.pdf, the date the account went delinquent must be reported within 90 days of submitting the account to the credit reporting company. How can Experian NOT show the delinquency date? 

AND XXXX  AND XXXX IS SHOWING THE SAME DATE XX/XX/XXXX.
Product: Debt collection

Disputed with the company multiples times, also XXXX XXXX sent out letters on my behalf at the beginning of the year and in XXXX with no response. There were multiple accounts that had been broken up into smaller amounts ranging from {$25.00}, {$75.00}, {$470.00}, {$260.00} and etc and the bureaus deleted for lack of verification It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response. The bureau did not provide a written contract between myself and XXXX XXXX XXXX.The account was deleted from the credit bureaus again last month due to not being able to verify yet it was re-inserted on my reports without me being notified prior to the action.
Product: Checking or savings account

I opened a dispute for XXXX on XX/XX/2024. 

I received an email on XX/XX/2024 that they applied a temporary credit of XXXX to my account. 

The problem is I NEVER received the credit. 

XX/XX/2024 I was notified that my claim was denied and they took XXXX out my account. 

They took XXXX even though they NEVER gave me the credit in the first place. 

Nowhere on my statements or in the system states that I ever received this credit. 

I opened a dispute for that and they denied it! 

They stole the money I never received in the first place!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$5.00} XX/XX/2023 XXXX XXXX XXXX  {$64.00} XX/XX/2023 XXXX XXXX  {$190.00} XX/XX/2023 XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/2023 To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 15 U.S. Code 1692g - Validation of debts I DO NOT RECOGNIZE HOW THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT, I DON'T RECOGNIZE THE ACCOUNT NUMBER, I DON'T RECOGNIZE THE ACCOUNT STATUS, I DON'T RECOGNIZE THE ACCOUNT HIGH BALANCE NOR DO I RECOGNIZE THE LATE PAYMENT ASSOCIATED WITH IT EVERYTHING REPORTED HERE DOES NOT MEET THE FCRA. ALSO ITS CANCELLED DEBIT THE COMPANY HAS FILED IT ON THEIR TAXES BUT THEY ARE ALSO REPORTING IT ON MY CREDIT REPORT AS DEBIT THE IRS MENTION THAT ITS CONSIDER AS ORDINARY INCOME A 1099C THAT MEAN ITS AN INACCURATE ACCOUNT THAT IS FURNISHED ON MY CREDIT REPORT AND I HAVE PROOF TO WHY IT SHOULD BE GONE ITS ( CANCELLED DEBIT ) THE IRS ALSO MENTION COMPANY WAS SUPPOSED TO SEND A 1099C FORM SO I CAN FILE THE ORDINARY INCOME THAT IS A VIOLATION 15 USC 1681eb it speaks on maximum accuracy of the consumer report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed
Product: Credit card or prepaid card

I received a late payment on my XXXX credit card for an apparent late payment. The thing is I have autopay setup with my bank, and the bank has confirmation numbers supporting they sent out the payment at the same time it does every month. XXXX uses " TD XXXX XXXX XXXX '' to manage their branded credit card. TD XXXX XXXX XXXX refused to accept my bank 's Electronic transaction confirmation number as proof that the payment had been sent on time as it is every month. They refused to remove the fee and told me to take it up with my bank. 

I have since canceled the credit card account, but I will still need to pay the fee 's and late charges. This is very obviously fraudulent business practices.
Product: Debt collection

XXXX XXXX XXXX On XXXX the original creditor was discharged through Bankruptcy Court Chapter XXXX in 2012. I now receive harassing collection calls from National Credit Systems demanding payment, which was already discharged through the US Bankruptcy Court and is showing on my credit report as a charge off/ collection. This is inaccurate, false, and fraud and it needs to stop and be removed from my credit report. 
According to the attached Discharged BK file- collections for BK discharged debts is Prohibited.
Product: Checking or savings account

On XX/XX/XXXX, I visited the XXXX ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, USA, to deposit a refund check received from XXXX XXXX XXXX XXXX. The details of the check are as follows : Check # : XXXX Check date : XX/XX/XXXX Check amount : {$2200.00} The screen suddenly went black after inserting my card and the check into the machine. Since the branch was closed then, I promptly contacted Dollar Bank to report the incident. They assured me a new card would be issued and provided a provisional credit for the deposited amount. 

There was a witness to this incident in the car with me. We are willing to make affidavits regarding the incident. 

The following day, I contacted the branch and was informed they still needed to retrieve the checks from their ATM. Unfortunately, they did not disclose whether this issue was specific to the ATM, stating that the back office/third party handles ATM matters. 

However, this weekend, around XX/XX/XXXX, I discovered that my account balance had plummeted to approximately - {$840.00}. Concerned, I contacted the bank on Monday, XX/XX/XXXX, seeking clarification. XXXX from the bank advised me to place a stop payment on the check and informed me that I am now responsible for any account-related matters since the check was not retrieved from the ATM. 

Throughout my association with this bank, I have never encountered any issues with my deposits. In light of this situation, it would have been appropriate for the bank to notify me promptly if there were any problems with the ATM, such as the check being damaged or stuck inside the machine. 

Regrettably, the resolution process may take XXXX to XXXX days for XXXX XXXX XXXX XXXX to issue another check. Meanwhile, I incur bounced check fees, and my debits and withdrawals face difficulties. 

I request your assistance in investigating this matter to ascertain the cause of the incident and to ensure a fair resolution. Your prompt attention to this issue would be greatly appreciated. 

Thank you.
Product: Debt collection

GE MONEY now SYNCRONY I purchased Furniture from XXXX in XXXX NY. XXXX XXXX XXXX went into collection. TO avoid a judgement I entered into payment agreement in XXXX. Payments were mad in full. No judgement was ever placed. somehow in XXXX this is STILL a revolving account on my credit saying it has been in collection since XXXX. They claim to have contacted me in XXXX stating I owe. what happened to XXXX, XXXX, XXXX? Someone sold my account as debt when it was already paid. I have been all over the internet and I see that GE has been having record keeping issues over the years and I know that this is a mistake. I have agreed to all debt and paid all delinquencies on my current report except this! PLEASE HELP ME!!! I asked to have it disputed. How is this even possible? why did they not file the judgement if I failed to pay? how can an account be in collections and still be revolving as not being paid monthly? this is literally a nightmare!! PLEASE HELP. 

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX
Product: Checking or savings account

My phone was stolen, and the thief transferred nearly {$14000.00} from my account via the XXXXXXXX XXXX Bank of America processed two fraud claims for the same unauthorized transactions : one for {$6300.00} and another for {$7100.00}. They approved the claim for {$7100.00} but have refused to approve the claim for {$6300.00}, even though both claims are for the exact same transactions. I urgently need the money that was stolen from me to be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been several hard inquiries on my Credit Report from XXXX and Transunion that I did not apply for these credit cards. I need these to be investigated. 


XXXX XXXX - on XXXX from TransUnion XXXX - on XXXX from TransUnion XXXX - on XXXX from TransUnion XXXX - on XXXX from TransUnion XXXX = on XXXX from XXXX  XXXX XXXX = on XXXX from XXXX
Product: Credit reporting or other personal consumer reports

Care Credit aka Synchrony Bank has notified me that they have reported my two previous complaints about their services to the 3 major credit reporting agencies. I do not believe that they should be allowed to do this because this debt was for medical procedures and therefore considered not reportable to the three credit bureaus.l feel that they have used these procedures to punish me for filing my complaints with the CFPB. 

Thanks XXXX
Product: Debt collection

National Credit Adjusters just reported a {$430.00} collection account on my credit report. Prior to the appearance of this account on my report, we did not receive a 30-day notice to dispute, which is required under the Fair Debt Collection Practices Act. We have left messages with this collection agency to find out why they did this, but they have not returned our call.
Product: Money transfer, virtual currency, or money service

Mercury offered me the ability to wire internationally, I transferred {$1600.00} on XX/XX/XXXX for my contractor working on very critical engineering systems. This wire failed with Mercury 's support response : " I took a look at your account and I can see that this payment was returned because the wire partner used on our end is unable to process payments to that bank '' The receiving bank is none other than XXXX and is XXXX 's most popular bank. But so be it I send my money again on the XX/XX/XXXX. 

XXXX XX/XX/XXXX - I chase them up to ask for the XXXX and where my money is, they respond with a screenshot of the trace XXXX XX/XX/XXXX- they claim they have no control in my money any longer XXXX XX/XX/XXXX- all of a sudden support tells me they issued a return after having claimed they have no control from the XXXX - XXXX I've sent 2-3 emails a week and their response is the same : - " it isn't their fault or responsibility '' - " they can not issue me a refund and deal with this negligence in their own time '' I've even email Mercury 's founder many times over, he's ignored my emails each time and just gets some random support person to politely dismiss my request for help.