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

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX RETAIL XXXX Balance : {$580.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX Date of inquiry XX/XX/XXXX XXXX F Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

First, I have Capital One direct deposit. 
My complaint is about Capital One credit card Walmart. I had them for over a year. I have EXCELLENT payment history. The same day I made a complaint through this company for XXXXXXXX XXXX Capital One closed my account. They said I had a return payment in XXXX. That is why they closed it. I have my payment history. Hopefully I can include this. This is a bit spooky. I make like 5 or more payments a month. If I messed one up, in XXXX, is that a reason to turn off my account?
Product: Mortgage

I took out a Homeowners line of credit from BBVA Compass XX/XX/2016. The bank consistently marketd this product to me for over a year by saying the product was a " no brainer '' and had no closing costs. They required I immediately draw XXXX on the line which i did. In XX/XX/XXXX I paid XXXX instead of the min payment of {$75.00}. They then charged me XXXX in closing costs. 
When i called the bank, I was only given the options vis the automated dialer to buy new products, When i ACTUALLY reached a person, she just refered to me another department and the exact same auto dialier came up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed a collections account reported on my credit report with Equifax and XXXX. I disputed the reported item from the collection agency XXXX XXXX, ( original creditor XXXX XXXX ) because I requested to end the services with the telecommunicatins company, XXXX XXXX, and had a XXXX balance with nothing else owed on my account at the time the account was closed. Each time I disputed this item with the credit bureaus, I requested that the collection agency provide the original contracts from these telecommunications companies, as well as proof of the remaining balance owed. The collection agency was only able to verify I was once the account holder. Neither Equifax or XXXX investigated beyond this. They did not require the collections agency ( XXXX XXXX ) to provide any documentation to verify their claim of the amount owed. This item is still reported on my credit report and adversely affecting my credit score.
Product: Credit reporting

I have contacted the credit reporting companies in the past to have them remove the multiple listings of several accounts, yet they continue to report them. I wish to have these items removed immediately.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts have reporting inaccuracies, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this items for me to ensure accuracy. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX, XXXX and TransUnion
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On Zelle it never asked if I confirmed the user I was sending money too and I was never able to receive my money back and I lost {$1200.00}, I was in shambles it was a lot of money
Product: Credit card or prepaid card

XXXX XX/XX/XXXX, I made a payment to Bank of America credit card through my electronic banking. Instead of paying {$540.00}, I mistakenly paid $ 5403.When XXXX realized error I called my bank but payment had already been made. It posted to credit card on XX/XX/XXXX. I called XX/XX/XXXX. They said it would take3-5 business days, then10 business days. I waited 10 business days and called back because no refund hit my bank account. I was told it could take 2 billing cycles but it looks like itll be sooner. Called back on XXXX of XXXX when I received a letter and stating amount was debited and sent back to the account it was paid from. I was told 3-5 days after receipt of letter Id see refund in my bank account. I called 5 days later and was told it would take 10 days since I dont have BoA checking. I called on 10th day and was told they made the transfer but maybe it was hung up at 3rd party reconciler my bank uses for electronic transfers. Called my bank, they investigated and dont see any transfer. Called BoA again today XXXX. I went through the whole thing with them again. Asked for supervisor who said it looks like they canceled and reissued but he didnt know for sure. Then I received a different response. Im now speaking to them and they dont have an answer. They were investigating and am now waiting for a call from them. This has been going on for well over a month. I need my money and no one can tell me where it is. As far as I am concerned this is theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email dated XX/XX/2022 informing me that I was entitled to Credit monitoring because of a Data Security Breach. They gave me a claim # ( XXXX ), and login code of XXXX. I clicked the link provided by Experian, filled out the form using the code they sent me. However, their response was " We can not verify your identity ''. My Social Security # is XXXX. My complaint is that they are making extremely difficult to get this service. If they are doing it to me, they are doing it to thousands of other consumers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was originally with XXXX XXXX XXXX # XXXX then it was transferred to XXXX XXXX XXXX XXXX in XX/XX/XXXX with a balance of XXXX, i disputed in XXXX then it says it was deleted on XX/XX/XXXX but its still showing as a open account I just need this to be deleted from my credit report. Account # XXXX
Product: Credit reporting or other personal consumer reports

I have tried to dispute loans on my account that I have no knowledge of and they have been written off and paid off charged off and they are still reporting these on my credit report. I tried to dispute with XXXX and XXXX and nothing has happened. Its affecting my credit report negatively. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX, I wrote a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored over my disputes. In Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also compromised by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. 

I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Product: Debt collection

RE : Common Wealth Financial Systems Account # XXXX and XXXXXXXXOn XXXX XXXX, 2015, I requested debt verification/validation of the alleged debt claimed owed in the amounts of {$750.00} and {$300.00}. Correspondence was sent via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, which Common Wealth Financial Systems received on XXXX/XXXX/2015. After not receiving verification/validation, I then requested, on XXXX/XXXX/2015 via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX which they received on XXXX/XXXX/2015, for Common Wealth Financial Systems to remove theses negative items from my credit report. They have failed to respond to either of my request.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$3900.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

Dear Sirs, On XX/XX/XXXX I sold my property. The mortgage company, Midland Mortgage reported the mortgage paid in full to the VA on XX/XX/XXXX. On XX/XX/XXXX Midland Mortgage reported my account as delinquent. I have contacted them several times with no relief. 
They have acknowledged the mistake and their error in reporting the erroneous information. What they lack is the desire to correct it. 
I contacted the credit bureaus an filed a dispute in an attempt to correct this matter and resolve this matter but haven't received a judgment as of yet. I would appreciate your assistance in getting this matter resolved.
Product: Mortgage

Called to see if I could do modification as I had called previously with no return call. Once I spoke with them they said if I was a couple months past due they could possible do something hence I owe for XXXX and XXXX and XXXX but it is not due 30 days past due. They said that do not offer modifications. If they do not offer them then why tell someone to call in to discuss work out options. They new status of the account before telling me to call in. I was requesting modification or take past due and possibly include lot rent past due and allow me to make the additional payment over 12 months. Nothing offered. I was out of work from XXXX and am working to get caught up on all bills. how are you supposed to get caught on bills when they are willing to work with you. I pay a {$500.00} so I know {$1500.00} would include XXXX not sure where the other {$300.00} is coming from as the {$500.00} includes late fees and I have not been informed of any legal fees. also got a different job and took a {$12.00} an hour pay cut with no overtime, bonus or etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Since the XX/XX/2017 they have called me 49 time. Most are 3 or more times a day. They stopped sending me paper statements and have tried to get online to pay but have been unable to figure it out. I have talked to the company several time and they have yet to send me a bill in the mail.
Product: Debt or credit management

A company I have never interacted with or contacted before calls my cellphone daily sometimes multiple times a day and leaves voicemail messages using an automated robocall message to return the call to speak to a representative about debt management. The person 's name is " XXXX XXXX from Credit Management Company '', and in searching I have read that many, many people are reporting the same harassment. I have blocked the number but my XXXX still allows them to leave messages, it just doesn't ring. I have a perfect credit score and no need for credit help so their service is not remotely applicable to me. The harassing calls are out of control and have been going on for months to me and many others. The number they call from and leave to call back daily is XXXX. I am making reports to any agency that can assist with stopping this fraudulent harassment. I have my number listed in the Do Not Call Registry and it seems to make no difference with this person.
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I have never been late on these accounts. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations. 
I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed.
Product: Mortgage

I entered into a 5 year mortgage agreement i  n  XX/XX/XXXX  in the  amount of {$130000.00}. The agreement stated after 13 months any or the entire principal may be repaid at any time without penalty. In  XX/XX/XXXX  I paid the loan off by refinancing with another company. At that time Escrow, inc., the administrator of the loan, charged me {$100.00} payout fee, {$670.00} service fee, {$75.00} close out fee, {$15.00} VOM request, {$30.00} for 2 history fees, {$75.00} for 3 payoff fees for a total of {$970.00}. The loan only had 17 months left to payoff and they were paid {$17.00} a month for billing fees. If I would have paid the loan in 5 years they would have received {$280.00} in fees but by paying off early they charge me the {$670. 00}.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year>. I tried contacting the creditor, but some accounts had already been given to a collection Agency. I compiled my information and circled all the inconsistencies reporting on my credit report and filled out a Notice to Correct the Credit Report. On XX/XX/year> I sent the following information to TransUnion via USPS Certified Mail. The tracking Number was # XXXX XXXX XXXX XXXX XXXX. The 35 Days have well passed and I have not received anything back regarding the following accounts that had inconsistencies. 
Under The Fair Credit Reporting Act, the CRA has 30 days from my receipt of of my letter I sent to re-verify these entries. According to law, failure to re-verify these items within 30 days constitutes reason to drop the information from my file 1. XX/XX/XXXXPlease see all attachments pertaining to the above that I have sent.
Product: Credit card

I can't login the phone number associated has been attached to a XXXX account and belongs to XXXX the person has taken over my XXXX account as well. Phone number associated was an XXXX XXXX XXXX  number XXXX
Product: Mortgage

We had a modification agreement in place. We were hit by hurricane Irma. We requested a forbearance for 90 days. XXXX XXXX allowed us to make one payment before blocking our account. We we told to fax a document to them stating were not in litigation, we did. We qlso spoke with their attorneys XXXX XXXX XXXX in XX/XX/XXXX. He called XXXX XXXX and confirmed we were not in litigation. Rushmore refused to unblock our account. We received paper work on XX/XX/XXXX to resubmit modfication paperwork. I called today to let them know we were gathering the documents together and they would be faxed Monday XX/XX/XXXX. They advised we are back in litigation and have added {$6000.00}. To our already overcharged account. XXXX XXXX sold the bad debt while we were in bankruptcy proceedings, illegally. XXXX XXXX sent us a statement that XXXX XXXX had overcharged oyr account by {$3000.00}. Rushmore never corrected the account. They have charged us three times for attorneys fees, over {$15000.00}. We have not been in litigation ever with Rushmore. We qualified for the modification.
Product: Debt collection

Hello My name is XXXX XXXX XXXX, I am trying to taking an old account of mine out of collections. The original collector is XXXX   XXXX XXXX. They say I owe XXXX. However when I call them to settle this account they say they sold it to XXXX, when I contact XXXX they say they sold it to XXXX XXXX. And when I call XXXX XXXX they say I have settled this account. As of today XXXX XXXX is still being reflected on my credit report under collection. Please advise as to what I can do to have this old account that apparently no one has to be removed off my account. Please advise. My number is XXXX XXXX XXXX XXXX XXXX XXXX. Thank you so much.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX CARD regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Account Name : XXXX CARD Account # : XXXX Balance Owed : {$70000.00} XXXX CARD has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal and repeated requests, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a clear violation of my rights under the FCRA. The reporting of this inaccurate and unverified account has significantly damaged my XXXX XXXX and financial standing.