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

I sent my first dispute letter dated XX/XX/2022 Trans Union, XXXX and XXXX stating that I never had a contract with this debt collector for any debt pertaining to XXXX XXXX XXXX. Please provide proof from the original creditor that this debt collector owns this debt and has legal authority to collect it or delete this account. 
I received a letter from XXXX XXXX XXXX dated XX/XX/2022 stating that they received my written dispute. They also stated that the investigation may take more than 30 days. Also, they will cease all collection efforts. I also received an email from XXXX pertaining to the dispute pertaining to XXXX XXXX XXXX. I logged into my XXXX account and read that XXXX XXXX XXXX has certified to XXXX that the information is accurate. This item was not changed. My question is who is telling the truth. XXXX respond very quick stating that this item was not changed. But XXXX XXXX XXXX needs more time to investigate. To sum it all up XXXX XXXX XXXX fail to provide to provide proof from the original creditor that they have legal authority to collect this alleged debt and to continue to report to the CRA 'S. From the time XXXX XXXX XXXX sent me their response letter dated XX/XX/2022, it's been over 7 months. Enough time to provide the information that I'm requesting. Trans Union, XXXX and XXXX failure to properly investigate my request instead, verified my dispute as Accurate. Verifying information and requesting a debt collector to provide proof that they can collect on a debt and to produce a contract, is two different things. Please refer to the attachments to read the entire complaint. I am requesting that this account be removed from my credit report, and I am seeking monetary damages in the amount of {$1000.00} per violation from XXXX XXXX XXXX in failing to produce information per consumer request in a reasonable time by law. And all 3 three credit bureaus : Trans Union, XXXX and XXXX failure to properly investigate my request instead, verifying my dispute as accurate.
Product: Mortgage

Fay Services is going against the mortgage terms that I signed and has been collecting escrow and not paying it for homeowners insurance or taxes. In my loan terms both are supposed to be escrowed. I called them numerous times and have not gotten a resolution. 

Fay Services is supposed to escrow for both taxes and insurances for my account. They have been taking money out of my account for escrow and not paying my insurance or taxes. After a long battle with Fay Services they sent me a check for my homeowners insurance. At first they said my account has only been escrowed for taxes and that's why insurance is not being paid. Now they are saying my account is set up for insurance but not set up to escrow taxes. According to my closing documents and the people serviced my loan before them my account is supposed to be setup to escrow both INSURANCE AND TAXES. They are illegally not following the rules of the closing documents which states that escrow be collected for BOTH HOMEOWNERS INSRUANCE AND TAXES. This company has not followed the rules of the closing documents and are choosing to break the law. I've asked them to review the documents and update the account and do an escrow analysis a lot of times but they refuse to do that and instead make excuses and lie and say the account has not been setup for escrow. Instead of reviewing the closing documents that I signed and setting up the account correctly By law they are not allowed to setup the account the way that they choose to, they have to follow the documents that I signed.
Product: Debt collection

i'm contacting you to challenge the addition of this bankruptcy to my credit report. It's troubling because I have official correspondence from the court explicitly instructing against its reporting to you. Moreover, the involvement of an unauthorized third party amplifies the absurdity of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless attempt that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXXBalance : {$4100.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$6000.00} ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 at approximately XXXX XXXX I attempted to place a freeze on my credit report with TransUnion through their website. I clicked the link that said : " Freeze my credit '' and proceeded to fill out the required information on subsequent pages. At the end of it all, I received an email saying I had subscribed to a monthly service for {$19.00} a month. Nothing I clicked on or encountered said anything about a payment, let alone that I was subscribing to a service with a monthly fee. I made numerous calls to TransUnion to correct this but was repeatedly disconnected when I insisted the situation be corrected. All I wanted was to put a freeze on my account- NO other services. I did succeed in cancelling my subscription online but have been charged {$19.00} for a month of services I did not want. At the end of a month the freeze on my report will be lifted, which does me not good at all. TransUnion 's website is clearly fraudulent and misleading when they should be acting to protect consumers, not mislead them. No one should have to pay {$19.00} a month indefinitely just to protect their credit. Who is protecting us from the credit reporting frauds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a hard inquiry on my XXXX report for a credit card I never applied for on XX/XX/2022. When I called the lender they couldnt help me because I dont have any other information other than what is on my credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I paid in full one of my accounts. I paid XXXX XXXX, XXXX {$21000.00}. XXXX XXXX XXXX telephone number is XXXX. Transunion updated the account appropriately, then changed it back that I still owed the company money. I telephoned XXXX XXXX and confirmed twice that the account is paid in full and asked they notify Transunion. They stated they did notify Transunion. I then filed two separate complaints with Transunion trying to get the account updated appropriately. I asked they contact XXXX XXXX and verify the account has been paid in full. Both times, Transunion responded with a letter to me stating that I still owe the company and their records are correct. All of the other credit bureaus have the correct information reflected regarding the XXXX XXXX account.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2021 that my loan had been referred to their office from Fay Servicing , LLC for collection. The letter said I had the right to dispute their claim to collect within 30 days. I sent a letter to XXXX XXXX XXXX on XX/XX/2021 disputing their claim. 
XXXX XXXX XXXX are required to validate their claim after my dispute in writing, but they never sent any verification after they received my dispute letter. I haven't heard from XXXX XXXX XXXX after I received their initial letter dated XX/XX/2021. 
A sheriff showed up on my doorstep and proceeded to post a Notice of Trustee 's Sale today on XX/XX/2021. 
They have no right to auction my home and they are breaking the law. I am in the middle of a Loss Mitigation Option application with Fay Servicing. I submitted my application and am waiting for a list of my options from Fay Servicing, my loan servicer. I am currently receiving regular statements on my mortgage from Fay Servicing and this notice of selling my home at auction is a HUGE surprise and is not valid.
Product: Credit card or prepaid card

Unfortunately, after receiving both vaccinations I contracted XXXX I began to make contact with the credit card companies to make arrangements to lower my payments for a short while, every one of my credit cards cooperated except HSBCU, who offered absolutely no options except to close the account. I explained about my illness they did not make any payment concessions. HSBC informed me today that my account was closed back in XX/XX/2021, when I was at the height of illness, HSBC received a payment of {$390.00} in XX/XX/2021 and did not say a word, and another payment today {$530.00}. HSBC was obligated to inform me that my account was closed.
Product: Debt collection

XXXX XXXX every year continuously is going through new management and new renovations dust using the renters whos leaving with their fully term least being used adding additional damages and also acquiring renters insurance fully covered the unit theyre using this tactic to also generate revenue, and do minor fixes to damages thats concurrent throughout the whole property I had full renters insurance and completed my full term of the leasing contract however, this damages that I moved in was the same damages that was charge to me now spectrum palms of sunrise, Florida has credit me for a debt over XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX and their outsourced collection agency was unable to help. In XXXX of 2024, XXXXXXXX XXXX removed my delinquent account from Experian reporting, causing my XXXX XXXX to increase however, in XX/XX/year>, XXXX XXXX  began reporting the account again ; however, the reporting shows in a way that the account was recently reported as a charge off in XXXX, with no account history. This has now caused my credit score to drop XXXX points and my rating of " good '' is now " fair. '' My score was just over XXXX and is now in the XXXX due to XXXXXXXX XXXX inappropriately reporting, removing the account, and then re-reporting just one month later. I asked XXXXXXXX XXXX recovery team to explain what happened. They would not give me information and advised to file a dispute with Experian. I feel that route will only be adverse and not helpful. Since the charge off has occurred, I have been making ontime monthly payments with the collection agency for the last XXXX years or more ; however, the information being reported continues to negatively impact me.
Product: Credit card or prepaid card

I did not open this account with Bank of America. How do I get it off my credit report? 

Account name BANK OF AMERICA Account number XXXX Account type Credit card Responsibility Individual Date opened XXXX/XXXX/2022 Status Open/Never late. 
Status updated XX/XX/2022 Balance {$75.00} Balance updated XXXX/XXXX/2022 Recent payment $ 0 Monthly payment {$35.00} Credit limit {$14000.00} Highest balance {$75.00} Terms NA I did not make any authorization for this type of credit.
Product: Checking or savings account

Good afternoon! I opened an account at Citi Bank using my personal phone number, which I still own to this day. The account with the phone was opened for me at AT & T. On XX/XX/XXXX my account was restricted due to two XXXX transfers. On XX/XX/XXXX, I called Citi Bank in the fraud department, according to the letter I received. I called more than 30 times, they tried to verify me using my phone number ( which I used when opening my account ). They could not verify me because they said that this number does not belong to me. Although I have confirmation from AT & T that the number and account belong to me. When I called again on XX/XX/XXXX, a bank employee told me that they sent me a letter with a verification code by mail, although I myself am outside the US, on treatment. My mom checks my mail. They assured me that the letter would arrive in 5-7 days. After 10 days there was no letter. I called again, already another employee told me that I had to wait 10-12 days. When asked how to verify in another way, the employee hung up. I called many times with a request to verify in a different way, since there is still no letter, I was refused. All my money is in my blocked Citi bank account, I can't pay bills and other payments because they hold my money. Please help me. What i need to do now?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I got the card from PNC bank it is a prepaid Visa Debit card. They changed the terms and conditions 6 months later and in there terms state that they are permitted to breach the previous terms in the contract and sell my information. They breached the contract and claim that they can collect and give my information to any 3rd party or affiliate and told me that I can't limit there sharing. I also noticed my credit score went down but I have no new accounts and wonder if this is the reason. Attached is the contract that was mailed to me in XX/XX/2020. The card is the property of PNC Financial Services Group. pnc.com/smartacess.
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX and I am writing to you to submit a complaint against XXXX XXXX XXXX XXXX. 

On 2021, I took a loan of {$4200.00} from Comenity/ XXXX XXXX XXXX XXXX  which I had been paying every month. I have paid over {$1500.00} so far but my balance never goes down. My balance is still {$3700.00} (! ) After a year of monthly payments. I usually call them the month before my payment is due, on the XXXX of every month, to schedule the payment through my debit card to avoid being late. But they purposely wait until the XXXX of every month to collect the timely scheduled payment so to also collect late charges. I believe this is is an illegal practice that is very unfair to the consumer. 


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

I am a federally protected consumer and Experian has violated me under the provisions of 15 USC 1681. Please review attached documentation.
Product: Debt collection

Westlake Portfolio Management based in XXXX XXXX, CA has been continuously emailing attempting to collect a debt that was paid in XXXX, XXXX. 

When speaking to a customer service representative, they act as though they can not locate the account. The issue may be that the account was made in my daughters name, however I am her mother and handling the account. Even then, when I provide my daughters information, they continue to say they can not locate the account.

When I send emails or customer service inquiries on their website ( and include a copy of the payment receipt with the account number clearly indicated on the receipt ), they say the inquiry has been sent to the appropriate dept. but then a day or so later I get an email stating the inquiry is marked as closed without any acknowledgement of receipt of payment.

I then continue to receive emails from them attempting to collect the debt.
Product: Money transfer, virtual currency, or money service

This regards my XX/XX/XXXX complaint re : JP Morgan Chase - XXXX They made XXXX attempt to call me- but after XXXX calls that I made, they will not return my call or return my money which they hold- {$23000.00}. The original failed wire occurred on XX/XX/XXXX and since then, they have not returned any calls, not returned the money and not responded to anybody from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX or myself. The recall was made XX/XX/XXXX. I need MY MONEY so I can pay my bills immediately. I've made more than XXXX emails and XXXX phone calls and I'm getting NO RESULTS from anybody. This was a one-digit error on a wire, and they have simply kept my money, will not return it - and will not call back. They need to return my funds immediately and receive a penalty - I've spent days on this and no results.
Product: Mortgage

I was having XXXX ( XXXX/XXXX ) as my lender since XXXX XXXX. They transferred it to Nationstar Mortgage , LLC during end of XXXX stating that payments from XXXX will be done by new lender. Nothing happened - neither the new lender contacted me nor the mortgage payment happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello., This is my 3rd attempt reaching out to the CFPB regarding the reporting of XXXX Account XXXX XXXX. XXXX deleted the account after conducting a proper investigation and the account was deemed to be non-verifiable/reporting inaccurate information. However, TransUnion and XXXX keeps stating that the account has been verified which Im confused by if all the credit bureaus are conducting the same investigation and reaching out to the same creditor. 

Ive took it a step further and decided to reach out to XXXX myself via certified mail to verify/validate the reporting of the account ( tracking information attached ). 

The letter was delivered on XX/XX/XXXX and I received a letter from XXXX stating that they would respond within XXXX business from the date they received the letter ( XX/XX/XXXX ). Its been well over 10 business days and I have not heard anything back from XXXX. According to the FCRA this is a violation and Im requesting to have the account removed from my XXXX and TransUnion report immediately!! 

Also., It is my understanding that Under the FCRA 15 U.S.C .? S 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The account is reporting inaccurate information.
Product: Checking or savings account

On XX/XX/XXXX an unauthorized transaction ( withdrawal ) of {$2100.00} was conducted on my checking account by Fay Servicing XXXX XXXX XXXX, Texas. This company handles the debt collection for my father 's mortgage. A month or two ago I made a {$200.00} payment towards the principal of my father 's loan with this company. That is how they got my banking information. I ABSOLUTELY never gave them the authority to make any subsequent withdrawals from my account. This is absolute theft.
Product: Bank account or service

Bank of America is charging me fees for my former credit card account which was closed on XX/XX/2016. I have contacted them several times to no avail. The account is closed. I moved from XXXX to XXXX last year. I had BOA accounts for 20 years in XXXX. I am now in XXXX. There are no BOA locations here. The closest XXXX to me now is XXXX miles away. All my BOA accounts are now closed, but BOA continues to send me monthly statements for credit card fees.
Product: Vehicle loan or lease

I have a previous loan with US Auto Purchasing Center LLC XXXX XXXX XXXX XXXX XXXX  ) dating back to XXXX. I filed a 1099c with the company and it was accepted by the IRS and US Auto sent me back my copy b but are now avoiding me once I have contacted them in regards to my payment being applied. My 1099c is the instrument used as a form of payment which is backed by UCC 3-602. I am invoking my rights under UCC 3-603 to enforce my form of tender using a 1099c as my payment instrument. I have tried emailing and calling to ensure this has been accepted and applied but the complaince manager has yet to answer me.
Product: Credit reporting or other personal consumer reports

Scammer XXXX XXXX phone number XXXX XXXX XXXX posted a fake rental listing in XXXX XXXX https : XXXX? XXXX XXXX XXXX XXXX XXXX ( XXXX hour ago ) to me TThank you for your interest in the property. We are excited to continue with your application! 

Here is the application link : - Apply here XXXX XXXX XXXXXXXX It's just a soft check for your background, including a credit check. You will get an application form for a background check after completing your credit check. It will charge you only {$29.00} for the verification, which is also totally refundable. Complete it now and let me know. 

Regards, XXXX XXXX The link brings one to a fake transunion website : XXXX 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
Product: Prepaid card

On XXXX XXXX I noticed some unauthorized transactions totaling {$910.00}, on my account. I called American Express Serve and was told I had to wait to make the dispute until the transactions were completed. I cancelled the card ending in XXXX and requested a new one as my account was compromised. On XXXX XXXX the transactions were completed. I called again to dispute. I was told it would take up to 45 days to make a decision on if they were going to reverse the charges. But I would receive a provisional credit on the 10th day. I called on XXXX XXXX to ask where the provisional credit was, I was then told it is 10 business days, which would be XXXX XXXX. On XXXX XXXX I received XXXX email stating they completed their investigation and I would not be receiving my credit as they determined I made the transactions, which took place in XXXX and I live in XXXX. I explained it is very hard to make a purchase at XXXX in XXXX XXXX at XXXX on XXXX XXXX then be in XXXX XXXX and back in XXXX by XXXX to attempt to make a purchase at XXXX. I have tried to call American Express serve and ask for the proof that they contact XXXX XXXX XXXX as I have. They were not able to give me any proof and said it was their investigation team that makes the decisions. I called XXXX XXXX XXXX and spoke with their loss and prevention manager and she claims no one else has called about this account or transactions. I once again asked why could they not prove that they contacted, then I was disconnected from the operator.
Product: Checking or savings account

Opened checking account with Ally around XX/XX/2019. Took months an correcting my address 3 times to finally receive my debit card and checks. After a few pay cycles, was given a bad check for a job. Charged {$7.00} for the returned check, my account was frozen and I was told my money would be accessible when I made a police report for the unpaid bill issue which was done that day so I was told I would be good to go in a few days. Fast forward about 3 weeks, and about 7 direct deposits later. All of my Bill 's have been declined causing late fees, card has been declined so my kids are currently living without groceries and diapers and toothpaste and shampoo. After hours of being on hold, I am finally alerted that my account has been closed and I STILL have not been given my own money which means I can't open another account and my direct deposits are still going to their company. I have been robbed, plain and simple.