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

I'm reaching out regarding significant inaccuracies in my TransUnion consumer report. These errors are adversely affecting my financial standing and encroaching upon my personal privacy rights. My full legal name is XXXX XXXX XXXX, and I'm independently raising this dispute without any third-party involvement. 

My current and complete residential address is XXXX XXXX XXXX, XXXX, NC XXXX, differing from other reported addresses. Additionally, I'd like to highlight the inclusion of irrelevant employer information in the consumer report. This information is not pertinent to my creditworthiness and strays from standard credit reporting practices. 

The inaccuracies primarily pertain to my address and employer details, and I urge you to promptly update or delete these errors from my credit file. 

The following inaccurate addresses : XXXX. XXXX XXXX XXXX, XXXX, NC, XXXX - XX/XX/2020 XXXX. XXXX XXXX XXXX XXXX, XXXX, NC, XXXX Please delete the following employers ' names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed are documents verifying my accurate personal details and the initial dispute via mail with the credit bureaus for your reference and prompt action. The inaccuracies reported violate my rights under both the Privacy Act ( 5 U.S.C. 552a ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Both legislations mandate accurate and up-to-date reporting of consumer information. I anticipate a timely response and resolution to this matter in compliance with the regulations outlined in the Privacy Act and FCRA.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such in fact debt exists
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information on my credit report. The following information on my credit report does not belong to me : XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Transworld placed a collection on my credit report with all 3 bureaus. I wasn't aware of this collection until I was in the process of applying for a HELOC ( which I was denied ). When I reached out to them ; the address they had was for an address that I haven't lived at since XXXX. I was informed the original creditor was XXXX XXXX ; which I haven't had a XXXX network account since XXXX maybe and it was for my current address. I am in good standing with XXXX I have lived at my home for 17 years. The representative from Transworld proceeded to ask me if I knew anyone from that town. I didn't understand what difference that would make. I haven't allowed anyone to use my name for any credit or accounts. I have disputed this account several times and the results are the same. Verified. But I haven't received any documentation that I have requested. The original contract etc. This is the only blemish on my report ; I have tried very hard to maintain acceptable credit and relationships with all my creditors. I don't feel this is fair to me to be responsible for an obligation that is truly not mine.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX Balance {$340000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$550.00} XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Tam writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. S 16810. 609 ( 15 US C. $ 1681g ), and 604 ( 15 US CS 16815 ) - After reviewing my recent credit report. I have identified the following inquires that do not recognize on authorize ; Disputed Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Back in XXXX I purchased a car from JD Byrider in XXXX Ohio. Shortly after I was one day late in making a payment and the vehicle was repossessed. I received disputed the information that was on my credit report in XXXX after I relocated to South Carolina after I received a letter from a collection agency regarding this old car loan. I was contacted by a lawyer from JD Byrider who could not locate any information on my loan from XXXX and informed me that they were not able to locate any paperwork on me since the original creditor is no longer in business. I received a call today from a company called XXXX XXXX XXXX who are trying to collect on this debt that no one after all this time can one prove I still owe. I still have yet to receive a copy of the original contract and disposition of the sale of the vehicle in accordance with Ohio XXXX. In addition this company has stated that they will sue me over debt that was long past the statue of limitations in Ohio as that expired in either XXXX or XXXX.
Product: Debt collection

XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$980.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXXof 2013 an has been reported to the FTC and authorities as Identity theft.
Product: Debt collection

On XX/XX/2024 I sent a letter to Jefferson Capital Systems about a debt collection from their company that is on my credit report. On XX/XX/2024 they sent a letter back stating that in order to handle my recent inquiry they would need a copy of my credit report with their trade line on it as well as my personal information including my social security number. The debt is not mine, I never signed up with the original creditor and I had no acknowledgement of the debt until I randomly checked my credit report and saw the credit line in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute letter in regards to incorrect items on my credit report. Its been a week over the 30 days and i have not received information regarding dispute.
Product: Checking or savings account

BOA constantly practices predatory banking. Every time my sons tuition is drafted from my account it magically bounces despite the funds being there resulting in fees from them. This has been going on for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report on XX/XX/2023, I notice Paramount Residential account appeared on my credit report. Not only is this account under lawsuit but I was not given the chance to opt out from my personal information being reported to third parties this is a violation according to Congress. I demand this account be removed from all credit agencies or I will be filing another suit. This account has already caused my credit to decrease and is adverse to me as a consumer.
Product: Credit card

Credit card through usaa has been nothing but trouble. They are constantly pulling some scam to charge me interest when I shouldn't be. This time my complaint involves when paying my account with usaa visa card, I always pay in full which when done by due date which I always make sure it is, I shouldn't be charged interest but yet in XXXX they charged me even though I paid the statement amount in full.
Product: Debt collection

I have no financial responsibility to this company whatsoever. My belief is that these cards were fraudulently opened in my name. I sent letters on XX/XX/XXXX and XX/XX/XXXX requesting documented proof of who opened these accounts and have not received anything other than a bill. That doesn't help at all! 

This debt is on my credit report MULTIPLE TIMES. It is reported by the original creditor XXXX XXXX and then new companies PORTFOLIO RC and XXXX XXXX are re-aging this account by re-inserting it on my credit report again and then reporting the account as RECENTLY active. This is completely unfair to me as a consumer.
Product: Credit reporting or other personal consumer reports

I have already disputed these items but the bureaus did not remove them, nor prove validation. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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
Product: Mortgage

In XXXX, my loan was transferred from NewRez to Shellpoint. I was not aware that my loan had been transferred until I attempted to make a payment and obtain an insurance check that I had forwarded to New Rez from XXXX in XXXX. The insurance check was from an insurance claim resulting in New Rez sending XXXX XXXX XXXX to my home, as a part of their property preservation team, and they destroyed my home and stole items from my home in XX/XX/2023. Once the loan was transferred to XXXX XXXX, I continued to make my payments for the months of XXXX and XXXX but often was denied on the first tries and told that it was a legal issue pending and they could not discuss the legal issue with me, but later would agree to take the payments after speaking to one of their supervisors. When I called in to make my XXXX payment, I was told the same thing but this time, I was told that the loan was in the final modification stages and not to make a payment because it may affect the payment arrangements of the modification. I contacted the loss mitigation department but did not receive a return phone call. In XXXX, I looked online and saw there were two reported correspondences that I never received via email. The two correspondences had the terms of the modification that I never received. I was told that once the modification was finalized, Shellpoint would arrange for a notary. When I called on XX/XX/XXXX to inform them that I wanted to follow through with the modification but had not received the documents by postal services, no one returned my phone call. As a result, I called again on XX/XX/2023 and was questioned as to whether or not I was an attorney or did I have attorney, I informed them that I was not an attorney and that I had not obtained an attorney. The representative assigned to me, XXXX XXXX, informed me that he would have it all straighten out and would call me on XX/XX/2023 ( today ). Prior to this, I received a phone call from an attorney form NewRez on XX/XX/2023 regarding my insurance payments but have not spoken to her, at this time. My concern is that I am been in conflict with both companies since XXXX, when the incident occurred with XXXX, without any resolution, and concerned that I may be victimized again.
Product: Debt collection

1 year and 3 months ago I was charged with a {$300.00} medical bill that was supposed to be covered by XXXX XXXX ( XXXX XXXX ). 

I had been receiving harassing calls from Holloway Credit Solutions for about a year ; I had no idea it was for me because I had XXXX credit/debt. 

I tried contacting Holloway Credit Solutions 3 months ago to report that the debt was not mine. I was told that I'm stuck with the bill because XXXX XXXX did not pay my bill on time. The same bill that was forced upon me by XXXX XXXX. 

Also, Holloway Credit Solutions have the incorrect address for me on file for this collection. 

I spoke a week ago with someone at Holloway Credit Solutions ; asking for a written document stating that if I pay {$300.00} they'd delete from my report within 45 days. This was denied to me and now I cant even get the collection that isn't even mine off of my report without risk. they have destroyed my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Principal reason Im writing this complaint is to have the 30 day late removed from XXXX Transunion, XXXX 

XXXX credit card reported a 30 day late for the month of XX/XX/2020. 

This was during the pandemic and since we in NYS were under a stay at home : " On Sunday, XX/XX/XXXX, all non-essential businesses statewide closed when Governor XXXX announced the " New York State on PAUSE '' executive order. '' It made it extremely difficult to make a payment, XXXX was under seige by the cornavirus with people XXXX everywhere. 

Below is the order issued by Gov. XXXX. : https XXXX XXXXpause I tried to explain and also written a letter to XXXX regarding the situation and they would not remove the late from all the credit bureaus. 

This is unfair for a lender and credit bureaus to report a late during a city and state lockdown. I would like it removed as its damaging my credit score. 

Note : Account is currently open and in good standing.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Name : XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

Since XXXX of 2021 I have been receiving numerous phone calls from a company called McCarthy , Burgess & Wolf stating that they have been hired by a company called XXXX XXXX and that I owe a debt that needs to be paid. 

I have asked numerous times for the XXXX, XXXX XXXX McCarthy , Burgess & Wolff to provide me with proof that I am the person they say owes this debt with my signed signature pertaining to the matter. 

McCarthy, Burgess & Wolff continuously calls me and asks me for my attorney 's name and number and I don't know why. And they can't prove they have a contact with me.This account started out with a balance owed of around {$5000.00} and now I am receiving letters in the mail that the balance is now {$15000.00}. I am terrified and troubled with the financial XXXX and harassment they have added to my life. 

I have sent letters to all parties involved within the last 60 Days asking that this information be verified with me and I haven't received verification yet. This account needs to be removed immediately.
Product: Payday loan, title loan, or personal loan

I financed a couch and recliner from XXXX XXXX XXXX  XXXX back on XX/XX/XXXX with American First Finance for roughly {$1600.00}. They offered a XXXX days same as cash option for paying off the items. My payment was XXXX dollars twice a month. I made my payments every month. Once the XXXX days were up, they applied the 136 % interest rate from the original date of purchase which took the XXXX dollars I had paid and applied roughly XXXX dollars in interest showing I had only paid XXXX dollars. As of this day XX/XX/XXXX, I have made another XXXX dollars in payments and my payoff is still {$1500.00}. Being a current XXXX XXXX service member I understand what protections I have. Ive also had an account with American First Finance before. Although it took roughly 6 months to get my interest fixed the first time, it eventually was. This time is different however. Since the end of XXXX I have been trying to get them to fix my interest rate. I have explained to them under the Military Lending Act, XXXX XXXX service members are not allowed to be charged more then 36 % interest. Every time I call I get told that my account will be escalated to the back office and I will receive a phone call in 48 hrs, this never happens. I was then told I needed to email proof that I was in the military to XXXX. So I did what I did with my previous account and emailed a copy of my most recent XXXX ( paystub ). Roughly two weeks later I received a phone call from someone who claim to be a supervisor saying they needed a copy of my enlistment contract. I told him that it wasnt needed last time and its not needed this time. At no point could he explain to me why they needed a copy of my enlistment contract when I explained to him Ive already sent a copy of my current XXXX which shows Im still in. He then decided to get rude and say I was refusing to work with American first finance. I said that was wrong and I would be happy to talk to someone who actually handles the accounts. Was suppose to get a call in 48hrs and I never did. As of today, XX/XX/XXXX, I spoke with a representative who informed me that I dont meet the criteria for the SCRA. I explained to her that charging the interest rate they are isnt a violation of the SCRA as I acquired the debt after I was already in service but a violation of the MLA ( military lending act ). She put me on hold and then came back and said that they dont follow the MLA. So I asked her how they couldnt follow a federal law? She didnt have an answer. I asked to speak to a supervisor and she refused to connect me with one and gave me the same answer as stating she would escalate my account to upper management. This company is based out of XXXX, TX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with the accounts listed. I have not received validation for these accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on XX/XX/2023. XXXX is saying the accounts XXXX and XXXX XXXX, and XXXX are my accounts I stated they were taken out frequently. I have asked for supporting documents to be mailed to me regarding the contract. They have failed to do so. Transunion came back stating XXXX XXXX XXXX and XXXX XXXX XXXX XXXX is mine these are fraudulent accounts I have asked for supporting documents they have failed to send them to me. XXXX stated upstart, XXXX  are my accounts. They all have failed to submit the contract with my signature and current address. I did not take these loans out at all. They are in violation of FRCA Fair Credit Reporting Act code 15 U.S.C 1681 ( E ) and my privacy rights as a consumer. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received providing that the accounts belong to me and all information is correct. I have not supplied proof under doctrine of estoppel by silence. Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no debt, no therefore any such debt, in fact exists.
Product: Mortgage

On XX/XX/XXXX I was placed on forbearance with Select Portfolio Servicing , Inc due to the XXXX pandemic. My forbearance period ended on XX/XX/XXXX. I applied for additional assistance in which I was denied on XX/XX/XXXX because the finance company Select Portfolio Servicing , Inc said I didnt qualify. I was and is currently on unemployment and I qualified for the additional forbearance extension. On XX/XX/XXXX I received a letter in the mail that Select Portfolio Servicing , Inc wanted me to participate in a modification in which I explained I couldnt afford to feed my family, pay light bill, and pay the high modification mortgage they wanted me to pay. They threaten to foreclose my home if I didnt pay. On XX/XX/XXXX I launched an investigation with Select Portfolio Servicing , Inc with their ombudsman department and they did not resolve my account. I had to borrow money to pay XXXX and XX/XX/XXXX modification payments. I called on XX/XX/XXXX regarding the forbearance extension which is on XXXX XXXX website and Consumer Finance.gov which state the extensions is 18 months if the mortgage account was in forbearance on XX/XX/XXXX. I was in forbearance at that time frame. Every conversation is recorded please request conversation records from XXXX XXXX XXXX. They have lied and stole money.
Product: Vehicle loan or lease

On several days this month, XX/XX/2020, I made attempts to address and resolve the problems that I have with SunTrust bank re : my car note/car loan. I am at the end of this loan and I do NOT believe that my final outstanding balance is correct -- because 1. SunTrust bank has not given me credit for the car note that I paid on XX/XX/2020 of {$230.00} and they have been applying random amounts to my account at any time during the month for a LOT of months as Late fees ... {$22.00}, {$23.00} and lately/last fee was {$52.00}. 

As a senior citizen, in XXXX DC, I believe I am being scammed as I reach the end of my payments and THIS BANK will not discuss these problems with me in a respectable and decent manner as their CUSTOMER!! 

Now my account is going into XX/XX/2020 and I know they are pushing me to be able to charge me another month in a LATE FEE! 

I reached out to the XXXX XXXX  -- XXXX XXXX XXXX XXXX XXXX and Banking to address this matter on XX/XX/XXXX, XXXX and they are telling me that they do NOT cover SunTrust bank XXXX referring me to you! 

I need HELP!! They told me that I owe them {$300.00}, which I do NOT agree with because of them not giving me credit for my XX/XX/XXXX payment. But I also dont agree with several of these late fees and NOW the XXXX late fee that they will surely charge to me! 

I need HELP and I need assistance here. 

SunTrust WONT HELP ME! 
XXXX can not HELP ME! 
YOU ARE my LAST Resort!!
Product: Debt collection

CFPB original complaint # XXXX. Pinnacle failed to respond to complaint in timely manner and has altogether refused to respond to consumer. Pinnacle parked this alleged debt on consumer 's XXXX Report and failed to validate or respond to consumers multiple requests for information. Pinnacle fails to respond to CFPB inquiry. Pinnacle does not show proof of ownership of alleged debt yet their reporting has caused the consumer to be denied credit and is in violation of FCRA and FDCPA law. This item must be removed from XXXX report.
Product: Checking or savings account

On XX/XX/year> I was charged an overdraft fee in the amount of {$36.00}. 
I have overdraft protection and had over {$2000.00} in the adjoining account. 
Regions did not transfer the funds to cover the purchases and instead charged me an overdraft fee. 
I spoke to a representative on XX/XX/year> at XXXX. She refused to credit the entire fee and attempted to chide me. 
The representative does not have the intelligence to perform her job correctly and needs to be trained. 
Regions bank needs to refund the additional {$18.00} that was not received for the fee.