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

in accordance with the fair credit reporting act # numbers XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have 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 states a consumer reporting agency can not furnish a account without my written instructions
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. I told the XXXX  and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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 an 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I was made aware by mortgage lender that there is an inaccuracy reported on my Equifax credit report, preventing me from obtaining a mortgage loan. 

XXXX  ( creditor ) is reporting a 60-day missed payment in XX/XX/XXXX, 90-day missed payment in XX/XX/XXXX, 120-day missed payment in XX/XX/XXXX, charge off in XX/XX/XXXX, charge off again in XX/XX/XXXX. 
The XXXX  account was opened in XX/XX/XXXX and closed in XX/XX/XXXX, yet XXXX  is reporting late/missed payments from XX/XX/XXXX through XX/XX/XXXX, and charged off in XXXX XXXX, which is inaccurate dates after the account had already been closed and charged off to XXXX XXXX. 

XX/XX/XXXX I called XXXX ( now called XXXX ) and they confirmed that the dates being reported were incorrect. The customer service rep submitted a 'credit correction claim ' and we thoroughly went through the specific inaccuracies together in the claim. She advised that the credit correction request would be approved within 10 business days and the collection agency ( XXXX XXXX ) would be responsible for updating my credit report. XXXX XXXX would take up to 60 days to update my credit report once claim is received. The rep gave me the phone number to contact XXXX XXXX to make them aware of the credit report inaccuracy and see if they could correct the error immediately. 

XX/XX/XXXX I called XXXX XXXX to make them aware of the credit inaccuracy to Equifax for the late payment dates. They advised they have no control over the reporting on this account, as XXXX is the original creditor, so XXXX needs to update their internal records and report to Equifax. The only thing XXXX XXXX could provide me with a letter confirming the account was paid in full with no balance due. I received this letter via email on XX/XX/XXXX. 

XX/XX/XXXX I received an email from XXXX by XXXX ' stating they " carefully reviewed the details of your credit reporting claim and will be proceeding with updating our internal records. We submitted a correction request to XXXX, Equifax, and XXXX. Please be advised that it may take the credit bureaus 30 to 60 days for the correction to be reflected on your credit report. '' XX/XX/XXXX I received an alert from Equifax that the following has been updated on the XXXX account in question : XXXX XXXX - Charged off account. 
There was no update to the erroneous late payment dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$100.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$70.00} XXXX XXXX {$660.00} XXXX  XXXX {$490.00} XXXX XXXX XXXX {$4000.00}
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for repeatedly failing to conduct a reasonable investigation into my disputes regarding inaccurate information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). 
On the following dates, I mailed dispute letters to TransUnion via USPS certified mail, requesting an investigation into inaccurate items on my credit report and the removal of incorrect personal information : XX/XX/XXXX ( USPS Certified Mail Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( USPS Certified Mail Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( USPS Certified Mail Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) In my dispute letters, I also specifically requested information on how TransUnion verified the accuracy of the disputed negative items and a bankruptcy on my credit report. To comply with FCRA guidelines, I included a copy of my government-issued ID, Social Security card , and proof of address in each dispute letter to verify my identity. 
Despite my repeated efforts, TransUnion continuously refused to conduct an investigation. Each time, they responded with the same generic response, which I received on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This is incorrect, as I personally submitted my disputes and provided all necessary identification documents for verification. 
Under the FCRA, when a consumer disputes the completeness or accuracy of any item in their credit file, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. TransUnions repeated refusal to conduct an investigation violates : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Requires credit reporting agencies to conduct a reasonable reinvestigation upon receipt of a dispute.

15 U.S.C. 1681i ( a ) ( 6 ) - Requires credit reporting agencies to provide consumers with information regarding how the disputed information was verified. 
TransUnion has failed to comply with these legal obligations by repeatedly refusing to investigate my disputes and failing to provide specific details on how they verified the disputed information.
Product: Debt collection

I was seen in the emergency room at  XXXX   XXXX   XX/XX/16    my insurance company  XXXX   XXXX   XXXX  paid the bill and I have a copy of the letter from my insurance company stating that I am not responsible for the bill  XXXX   XXXX
Product: Debt collection

I called the debt collector to arrange different payments but they said they had no information about the debt. I think should be removed from my report.
Product: Credit card or prepaid card

I had scheduled a {$1300.00} payment to pay off the balance of my American Express credit card on the due date which was XX/XX/XXXX. I observed that American Express did not process my payment as I scheduled for the due date. I immediately made the payment on XX/XX/XXXX and now have a mark on my XXXX  and credit score and a late payment fee.
Product: Money transfer, virtual currency, or money service

I sent USD XXXX from my US XXXX  debit card to my XXXX XXXX debit card last XX/XX/2020 using Western Union 's XXXX to XXXX online transfer under XXXX XXXX. 

My money was put on hold on the same day, requiring additional account verification, so I sent additional information documents as listed : ( 1 ) XXXX Passport with XXXX ; ( 2 ) Proof of Billing Address ; ( 3 ) Bank Statement for month of XXXX ; ( 4 ) 1 month payroll ; and ( 5 ) Certificate of Employment from US company. 

The amount of USD XXXX was already charged on the same day to my US checking account even if my account verification took a day to complete. 

The next day ( XX/XX/XXXX ), I called Western Union to follow up on my verification confirmation so that my pending transaction will push thru. They told me that my identity was successfully confirmed but they were having an issue with their system so they decided to refund the whole amount back to my US checking account within 5 to 7 banking days. 

7 banking days later, on XX/XX/XXXX, I called again to follow up on my refund. They told me again to call the next day if my money will not be credited back in 24 hours. 
I called them again the next day ( XX/XX/XXXX ) because the money was still not credited back to my account as promised. They escalated my refund to their Cards and Billing Department under Case Number XXXX and assured me that money will be credited back in 24 hours. 

I called again yesterday ( XX/XX/XXXX ) because my money was still not refunded to my account. They once again told me to wait for another 5 to 7 banking days. 

Western Union keeps on extending my refund without a final refund date. Hope you guys can help me. It's been 2 weeks, they haven't refunded my money yet. 

I want my money refunded back to my checking account.
Product: Credit reporting, credit repair services, 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to formally dispute the restriction placed on my Apple Pay account without prior notice, justification, or due process. Despite multiple attempts to seek clarification and resolution, Apple has remained unresponsive and unwilling to provide assistance. 

Facts of the Case : Unwarranted Restriction My Apple Pay access was unexpectedly restricted without any notification, explanation, or stated violation of terms. I was given no opportunity to rectify any alleged issue before being locked out of my own funds. 
Lack of Due Process Apple has failed to communicate any legitimate reason for the restriction or offer a pathway to resolution. This lack of transparency is not only frustrating but also raises concerns about the fairness and accountability of their enforcement mechanisms. 
Failure to Provide Support Attempts to contact Apple Support have been met with dismissiveness and an unwillingness to assist. I have been denied basic consumer rights, including access to information about my own financial transactions. 
Financial & Reputational Harm This restriction has caused significant inconvenience, including disrupted transactions and financial obligations. By denying me access without cause, Apple may be in breach of consumer protection laws. 
Legal Considerations : Unfair Business Practices Arbitrary restrictions without proper communication or recourse could be deemed an unfair business practice under consumer protection laws. 
Breach of Contract If Apple restricted my access without cause while I was in compliance with their terms, they have potentially violated their own service agreement. 
Potential Financial Damages If this restriction has resulted in monetary losses, there may be grounds for seeking compensation.
Product: Mortgage

In 2009, my father was solicited to apply for a reverse mortgage. He was XXXX years old at the time. According to a Wells Fargo reverse mortgage bank statement we have, he was approved for a reverse mortgage loan in the amount of {$120000.00}. My father has since passed away and Wells Fargo is now trying to foreclose on his house. As the executor of his estate, I have spent the last few months requesting Wells Fargo to provide information that my father did in fact receive the proceeds of the loan ( e.g., evidence of wire transfer or a copy of cashed check, etc. ). To date, Wells Fargo has not provided any information. 

My father was a low-income, XXXX living alone on a fixed income. I believe he may have been targeted for an unnecessary loan based on his profile. I am concerned that my father did not fully comprehend the consequences of a reverse mortgage, nor did anyone at Wells Fargo fully explain the terms of the loan. Based on Wells Fargo 's unwillingness to share information about the loan, I question whether my father even received the full proceeds of the loan.
Product: Debt collection

This correspondence is in regards to the collection listed currently on my credit file. First I would like to say that this collection does not belong to me/it is due to fraud. I reached out on XX/XX/XXXX and left a message for an account rep ( XXXX XXXX ) to give me a call back. I never received a call back. 

I reached out on XX/XX/XXXX and spoke with XXXX at ext. XXXX ; who was very abrupt.. I tried to explain to him that this account did not belong to me. He asked me questions to confirm my identity. He couldn't locate me BUT afterwards he asked me for the account number. I looked at the document that was sent to me a couple weeks ago. After I went through then entire statement ; he states that he could not speak to me because this account was listed in bankruptcy. I tried to explain to him the situation about the identity theft ; etc. ; BUT he would not speak with me. He stated that he needed to speak with my bankruptcy attorney or I needed to get something back in writing from my attorney giving him permission to speak with me. 

I called back again shortly afterwards and spoke with another representative stating the same thing. I asked her this question. If this is included in the bankruptcy, why is it reporting separately on my report? She stated that I needed to send a letter stating that they could speak with me about it. 

I am still maintaining that this bill is in regards to identity theft ; BUT the fact still remains that it should not be showing on my report as a separate entity. It should be removed ; as I am being penalized twice. 

I asked if I could show a police report stating showing that there was identity theft on my name ; she told me no. 

I have included the negative report on my credit report ; as well documentation from the Bankruptcy. You will see on page 15, column 2, and line 1 ; Monterey Financial Services is listed as a creditor. Also on page 14 XXXX  ( original creditor ) is listed on this Bankruptcy report. This identity theft was done prior to my knowledge of it even happening. 

I would also like to point out that XXXX XXXX senior manager responded back out to me on XX/XX/XXXX ; which was in violation of the law because of my bankruptcy. 

What I have attached is : a. written statement ( which shows my credit reporting ) b. Company 's response c. Bankruptcy filings that list Monterey and XXXX listed. This bankruptcy was filed prior to my knowledge of identity theft. 
d. Police report
Product: Credit reporting, credit repair services, 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 : XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX Account number:XXXX, Account name : XXXX  Account number:XXXX, Account name : XXXX Account number:XXXX, Account name : XXXXXXXX XXXX  Account numberXXXX, Account name : XXXX  Account number:XXXX, Account name : XXXX XXXX  Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX  Account numberXXXX, Account name : XXXXXXXX XXXX  Account numberXXXX, 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: Credit reporting or other personal consumer reports

There are XXXX satisfied accounts from XXXX XXXX on my credit report that I have been requesting for removal for over XXXX  days. The company only has a fax number in which I have faxed several requests, and the XXXX XXXX has failed to respond. 

XXXX XXXX has poor communication and most of their agents provide incorrect information whenever someone is available to answer calls after several attempts to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my Experian, XXXX  and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Debt collection

Credit Bureau Systems is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.
Product: Mortgage

Not sure what happened, I just know that I lost my earnest deposit and didn't close on the property I waited 4 months for. My realtor XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Ga and XXXX XXXX loan officer with Nexa mortgage didn't keep me posted with any new information regarding this property.
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Name 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 written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) 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

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3100.00} ; XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and TransUnion on XX/XX/22 to update this suspicious information. I think XXXX and TransUnion have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Inquiry : XX/XX/.
Product: Debt collection

I have an open complaint against XXXX XXXX for partial claims denial with the XXXX XXXX XXXX  XXXX, however I paid my final auto insurance bill on XX/XX/24 to XXXX XXXX. I have never done any business with Credit Collection Services nor signed any contracts or agreements with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts was never authorized to report on my credit, and is hurting me, please see below the list accounts on my report : Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft PORTFOLIO Account XXXX : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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.