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

TransUnion has failed to send me proof/verification of the accounts that they are reporting to the credit agencies on my behalf. I have attempted to gain this info from TransUnion and they have failed to provide which is now a violation of my consumer rights under the FCRA. The accounts are as follows : 1. XXXX XXXX FOR THE AMOUNT OF {$1600.00} 2. XXXX XXXX FOR THE AMOUNT OF {$470.00} 3. XXXX FOR THE AMOUNT OF {$520.00} XXXX. XXXX XXXX FOR THE AMOUNT OF {$100.00}
Product: Credit reporting or other personal consumer reports

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 collection bureau of a 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of 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 seven 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: Student loan

My loan servicer AES Success, has processed double payments without my knowledge. I have contacted their customer service only to be led in circles even when asking for a supervisor, a rep literally told me " No one is available '' when I asked for her supervisor. When I inquired further she said " They are all in meetings '' I was willing to wait or leave a voicemail on their phone however the rep told me I could n't wait because " I ca n't tell you how long they will be in meetings and you can not leave a voicemail on their phone. '' I then asked for their extension so I could call myself and the rep said " I ca n't give you that information. '' I have never had such an issue trying to talk to someone 's supervisor, and to top it off, the rep had an attitude about it making it seem like I was asking for the world, and she talked down to me when I asked her if she had my information correct. Terrible customer service. I was unable to get any answers regarding the double payment they took out of my bank account and my only option was to put in a request for her supervisor to call me back ( which could take up to 24hours ). I am not holding my breath on that.
Product: Credit reporting or other personal consumer reports

I sent you an FTC report on XX/XX/XXXX about these fraudulent inquiries and you refused to remove them which is against the FCRA. If you do not remove these inquiries, I will be seeking an attorney I know my consumer rights and your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. *** I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTURE STALL STATICS FROM TRANSUNION. 

Once again here are the inquiries that WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a cease and desist letter with UCC 1-308 all rights reserved and I do not have a legal binding contract with BRIDGECREST and they continue to harass me and trying to extort me for money not owed to them. I sent numerous cease and desist and BRIDGECREST refused to leave me alone and they continue to violate my rights and harass me. I do not wish to contract with them. This is identity theft.
Product: Debt collection

I was in process to move out and I lost some documents form the city I was since 3yrs ago and I never open any account from them suddenly I keep receiving mail from my new address and I do not have any knowledge from the account.i lost my XXXX  XXXX  social all of that.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open : XXXX XXXX, XXXX Balance : XXXX XXXX  Charge Off XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXXXXXX Late/ Closed XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ccount # XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXXXXXX Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXXXXXX Collection XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : XXXX XXXX Collection Inquiry included in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Date Open : XX/XX/XXXX Balance : {$330.00} - Late/ Open XXXX XXXX Account # XXXX Date Open : XXXX XXXX, XXXX Balance : {$150.00} - Late/ Open XXXX XXXX XXXX  Account # XXXX Date Open : XX/XX/XXXX Balance : {$260.00} - Late/ Open XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXXXXXX Late/ Open XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$270.00} Late/Open XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$60.00} Late/Open
Product: Checking or savings account

I purchased 2 XXXX XXXX from Bestbuy.com on XXXX XXXX, 2017 using my Chase Debit card came out to XXXX. On the same Day I picked up my 2 XXXX XXXX from local best buy. Then find out that the laptops  in the 2 boxes had been switched out for used and broken laptops. I called best buy XXXX number and they referred me to local store. I talked to manager he refused to refund or exchange. I called chase bank to begin a dispute on XXXX XXXX, 2017. They took my information and dispute agent said that in 2 days they would give me a provisional credit. I get a email to call chase bank on Monday XXXX XXXX,2017 and spoke to another Chase Dispute specialist and he asked more of the same questions from the first call to chase and they said that they would investigate further. I then asked about the provisional credit and the chase dispute agent said it was n't up to him to issue credit that it was up to the back office. So i asked how long will it take before back office investigate and decide to issue provisional credit and he said he did n't know. But when ever they get more information then they will email me. This falls under a chargeback dispute since the merchant didnt give me my product, significantly not as described. Please review information to chase bank.
Product: Payday loan, title loan, or personal loan

On XXXX, I went to Check-n-Go XXXX XXXX XXXX, XXXX, MI XXXX XXXX to get payday loan. After approval and all paperwork done, I was informed they had no cash and I had to receive my loan in their check or by XXXX prepaid card. Since a check is held for days at most banks and XXXX cards have transaction fees, I declined. Is this legal-for them to pay out this way? Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE ACCOUNTS THAT ARE REPORTING ON MY CONSUMER REPORT THAT NEED TO BE DELETED IMMEDIATELY. THEY ARE INACCURATE, UNVERIFIED AND A VIOLATION OF THE FCRA. THE ACCOUNTS HAVE INACCURCIES IN THE PAYMENT HISTORY, STATUS DATE, BALANCES & DATE OF LAST ACTVITY BETWEEN XXXX, TRANSUNUION, & XXXX AND MUST BE DELETED. DELETE THESE ACCOUNTS ( XXXX XXXX  ) ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) ( XXXX ) ( XXXX XXXX -- XXXX ACCOUNTS ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX -- XXXX ACCOUNTS ) ( XXXX XXXX ) ( XXXXXXXX XXXX ) ( XXXX XXXX -- XXXX ACCOUNTS ) ( XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THESE ACCOUNTS ARE INACCURATE IN THE DATE OF LAST ACTIVITY/STATUS DATE & THE PAYMENT HISTORY FOR EACH ACCOUNT LISTED. THIS IS A VIOLATION OF THE FCRA. EACH ACCOUNT MUST IN THE ENTIRE PAYMENT HISTORY FOR EACH MONTH MUST BE UPDATED TO PAID ON TIME, PAID AS AGREED, NEVER LATE. ( XXXX XXXX ) ( XXXX XXXX  -- XXXX ACCOUNTS )
Product: Mortgage

In my previous CFPB complaint XXXX, Fay Servicing responded with lies. 

During the pandemic, millions of mom and pop landlords like me lost rental income and were forbidden to file eviction by the federal and state laws, yet Fay Servicing was free to file foreclosure while my account was under loss mitigation review. 

Fay Servicing took advantage of the pandemic and generated exorbitant fees in filing the wrongful foreclosure. Fay Servicing is purposefully keeping my foreclosure case open at the court for the sole purpose of generating fees perpetually. 

Fay Servicing offered me a forbearance plan, in which the first trial payment is not due until XX/XX/XXXX. Fay Servicing also filed foreclosure on the same day. The foreclosure was not on hold as they claimed in the CFPB response. I was served with summons on XX/XX/XXXX. My account was reinstated on XX/XX/XXXX. 

Fay Servicing lied about my foreclosure case status in their response to my CFPB complaint. Fay Servicing presented a notice of voluntary case dismissal and discharge of XXXX XXXX dated XX/XX/XXXX in their response to CFPB. The facts are : 1. I never received the notice in the mail as the counsel stated in certificate of service. 2. The notice of voluntary case dismissal was never filed with the XXXX circuit court. The foreclosure case is still open and actively against me because this notice of dismissal is not effective until it is properly filed with the court. Please see the attached for the foreclosure case detail. You can also find the case status by this link https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The total legal fees in connection with the wrongful foreclosure are {$5000.00}. The highly paid attorney purposefully never filed the notice with the court so they can continue to generate fees on me. This mistake is by design to keep the case open and continue to generate fees on me. 

Fay Servicing LLC, you are put on notice. I will pursue justice either through legal action and or social media campaign against you. You should immediately remediate your wrong doings against me. You cant hide under the cover of Regulation-X and making all the exorbitant fees without consequences. 

Please file the notice of voluntary case dismissal and discharge of XXXX XXXX with the XXXX circuit court immediately and refund me the advance in the amount of {$3800.00} that I have paid and discharge the outstanding fee in the amount of {$2300.00} in my account.
Product: Payday loan, title loan, or personal loan

I have this loan and the payment are to high ... being a senior citizen the payment are to high I am Paying {$420.00} each month have not paid for this month and they can take my car at anytime I am trying to work with them my health is now becoming poor as I can not sleep and I go to a doctor for my XXXX XXXX  I am frighten about everything, I want to pay them and I will but I need the payment to be between $ XXXX {$320.00} per month which would be a hardship but I could do that the interest on the loan is 160 % computed daily ... .I borrowed {$2500.00} and I am {$20000.00} for this loan over 4 years ... I was under such pressure when I took out this loan and did not know what I was doing I need help badly. had I known I would not have take this loan out and would have just gone homeless..at least I would have had a car to sleep in and live not I will be on the street with no car or a place to live
Product: Mortgage

Primary Capital deposited my loan payment on XX/XX/XXXX. Primary Capital then sold my loan to XXXX XXXX, XXXX. My loan payment was never applied to my loan with neither company. I called Primary Capital on XX/XX/XXXX and was told to email proof of the deposited check. I emailed Primary Capital 's customer service department on XX/XX/XXXX a copy of both the proof of payment as well as the deposited check by Primary Capital. I called Primary Capital onXX/XX/XXXX and was told that a refund was being mailed to me within two weeks. On XX/XX/XXXX, I spoke with another Primary Capital representative that told me a refund was not possible and that Primary Capital applied my payment to the wrong loan. The representative said they had were having trouble getting a response from XXXX XXXX XXXX about sending my payment. I requested escalation of my issue and got a call from another representative of Primary Capital onXX/XX/XXXX. I was told that my issue would be resolve within 10 business days and that I would receive an email confirmation that my issue was being resolved. I have never received any type of email from Primary Capital. I called XXXX XXXX XXXX on XX/XX/XXXXand was told that they have never received any communication by Primary Capital and that they were lying. My payment has been deposited for more than 60 days and has yet to be applied to my loan. I have received no responses to my 3 emails sent to Primary Capital 's customer service department. I have received no communication from Primary Capital that a mistake was made by applying my payment to the wrong loan and that they were working to resolving the issue. I ca n't get a response from Primary Capital and my payment was deposited but not applied to any loan. I ca n't get a refund or any type of resolution or even communication from Primary Capital. Please help as I have no other options for assistance.
Product: Student loan

My first payment was due to Edfinancial on XX/XX/2023. I made a payment and received a receipt on XX/XX/2023. My payment was then reversed without notifying me. I double checked and my banking information was correct. I then tried to make a payment for my XX/XX/2023 and XX/XX/2023 balance on XX/XX/2023. The payment has been marked as " received '' but no money has been taken from my bank account. My credit score has also dropped XXXX points since this has begun, and I have done nothing else different with my credit usage. I have already reached out to Edfinancial and they have been unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX XXXX account. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX 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 XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX A ) XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX 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 items or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Product: Checking or savings account

This Real Estate merchant charge my account for {$10000.00} and telling me they would give me the tools and resources I need to make a return on the money. I also spent money on the software to run the business and I had to pay the Virtual Assistant every 2 weeks for the work they put in to produce leads and receive offers but were unsuccessful. Within the first month and after 30 days I asked the Merchant/CEO for my money back and he refused to refund my funds. They promised to help me get the leads and help me close real estate deal or until I Make my money back but did not fulfill what they told me. They said they didnt have a refund but they lied to my bank about no refund because it was an advertisement video online about getting a refund back within a certain period and after he took the video down and also this year he took down the website and Im not the only one he has done this too. In this process I have lost upwards of {$15000.00}. Upon my situation and trying to dispute with the bank and contact the merchant they blocked my number and ignored my emails and my request for refund because I did not get the service that was told to me and that I would make my money back which I didnt make a dime. With all these transactions plus my bills it caused my account to go negative because the bank reversed the charge of {$10000.00} and that left my account in the negative and now I owe the bank {$5500.00} and they kept telling me to go after the merchant which I did many times and didnt get any response from them and my bank closed out my account in XX/XX/2022. This has been soo frustrating and painful because thats my money that I worked hard for. I would like all my money back plus damages. I disputed this transaction and Appealed with Citibank and they still denied my money back. They have failed me drastically. Another young lady contacted my on XXXX with the same issue with the merchant and the XXXX XXXX tried to compromise with her and told her if he drop the case against him he would give her back half of the money which would be {$5000.00} but he was not willing to compromise and help me out in the cold. The merchant charged her card a month before mine in XX/XX/2022 and my charge came out XX/XX/2022 and for some reason her bank XXXX XXXX honored and gave her half of the money but still lost the other half of the money and my bank didnt give me anything back and they didnt even seem to want to further help me get my funds back. Its been soo frustrating and this misery to get my funds back to me.I am attaching the receipts of what was taken from my account for the software and paying the virtual assistant every 2 weeks to work the leads. Also Im attaching the messages from the young lady that lost her money with this merchant XXXX XXXX XXXX and XXXX name is XXXX XXXX.
Product: Debt collection

I asked the company for a request that was two-fold ; submit my right to waive XXXX regarding communication with a third-party and second, to verify debt via signature, documentation, and information necessary to establish verification and validation of debt. The company submitted an account number with my name on it, which was not the necessary information requested to negate fraud concerning my identity as I am unaware of said debt.They continue to negatively report information without proof.
Product: Mortgage

We were going to get a loan through Freedom Mortgage, but after dealing with them and reading all the information from BBB and Consumer Financial Protection Bureau reviews we decided not to go with them.  After we told them no, the mortgage agent just kept going and it turned into a living nightmare for us.  The phone calls and emails became so crude and nasty we decided this was not for us.  We told them to stop the loan Saturday XX/XX/2017 in and email and the loan officer refused our request.  They continued to process the loan and connect us with closing on XX/XX/2017 through another email.  If you are considering these people run the other way, read every thing you can on them, protect yourself and your family home. They have so many complaints against them and call the BBB, Consumer Financial Protection Bureau, and read their reviews and findings.  Don't take my word take theirs. Threatening us if we file a complaint, they will sue.  Don't threaten me!  Last time I checked this is a freedom of speech country and we are entitle to our opinions, especially if it is to protect others.
Product: Credit reporting or other personal consumer reports

XXXX XXXX BANK XXXX XXXX XX/XX/year> XXXX XXXX BANK XXXX XXXX XX/XX/year> XXXX BANK XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$19.00} - I am a victim of identity theft and this is not mine. 

XXXX  XXXX XXXX Balance Owed : $ XXXX This account does not belong to me. It was caused by fraud.