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

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Demand for Immediate Removal of Reinserted Derogatory Account Under the Fair Credit Reporting Act ( FCRA ) Dear, TransUnion To Whom It May Concern, I am writing to formally dispute the recent reinsertion of a derogatory account on my credit report. The account in question, XXXX  XXXX XXXX - Account # XXXX, was previously removed after a dispute but has now been reinserted without proper notification or validation, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

As ststed under 15 U.S.C 1681i ( a ) ( 5 ) ( B ), a credit reporting agency is prohibited from reinserting deleted information unless : 1. The information provider cerifies the accuracy and completeness of the information.

2. I am notified in writing within five business days of reindertion. 

To date, I have not recieved any written notification regarding this reinsertion, nor has there been any evidence provided that the account was verified for accuracy. The lack of compliance with these legal requirements raises significant concerns about your agency 's practicesand adherence to federal law. 

The derogatory account, which was previously deleted, was likely removed because the information could not be validated or was determined to be inaccurate. By reinserting this account without proper verifaction and notice, your agency is violating consumer protection laws, including but not limited to : 1. Failure to notify me of the reinsertion as required by 15 U.S.C 1681i ( a ) ( 5 ) ( B ) ( ii ).

2. Faliure to ensure the accuracy of the information as per 15 U.S.C 1681e ( b ).

3. Unfair practices in reporting under 15 U.S.C 1681s-2 ( b ).

This incorrect reporting is causing me undue harm by negatively impacting my credit score and financial standing. As such, I demand the following : 1. Immediate removal of the reinserted account from my credit report.

2. Written confirmation that the account has been removed within 10 business days.

3. An investigation and audit of your agency 's procedures to ensure compliance with FCRA requirements.

If this issue is not resolved promptly, I will have no choice but to escalte the matter. I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursue legal action under the FCRA, which allows for statutory damages, punitive damages, and attorney 's fees.

I expect your response and confirmation of corrective action within 10 business days from the date of this letter. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding cash apps handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using cashapp numerous times and reporting discrepancies, my financial institution and cashapp failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

Last reported XXXX for {$17000.00} If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is obtaining and disclosing my customer information of a financial institution under false pretenses. You can find the documents in accordance with law attached to this complaint.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint against Experian regarding the inaccurate reporting of my XXXX  XXXX account ( Account Number : XXXX ). According to the Fair Credit Reporting Act ( FCRA ), all credit reporting agencies are obligated to ensure the accuracy and integrity of the information they provide. Unfortunately, Experian has failed to comply with these regulations concerning my account. 

This inaccuracy has caused significant distress and hardship in my life, potentially affecting my ability to secure credit, rental opportunities, and even employment. The discrepancies on my Experian report have created unnecessary obstacles and financial strain, which I believe is a violation of my rights under the FCRA. 

I kindly request that your office intervene and direct Experian to remove this inaccurate information from my credit report. Timely action on this matter will alleviate the undue burden this situation has placed on me. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or removed anything. 

The hard inquiries and student loans is not correct on all three credit reports on three credit reports Which is a violation. This is impacting me from moving forward to buying a car. 

I attach my previous credit report and my new credit report to show how Experian violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were in default status due to intermittent unemployment and persistent underemployment. Therefore, I entered into the Loan Rehabilitation Program with XXXX XXXX XXXX on XX/XX/XXXX. The Repayment Agreement was signed and submitted to XXXX XXXX XXXX via email on Friday, XX/XX/XXXX and Thursday, XX/XX/XXXX. The Repayment Agreement states that I was supposed to make at least nine ( 9 ) monthly payments of {$5.00} each month. I have  made and XXXX XXXX XXXX./Department of Education has processed ten ( 10 ) payments, which was more than agreed. However, XXXX XXXX XXXX./Department of Education has neglected to  provide this accurate information to all three ( 3 ) credit bureaus. I have complied with all requirements regarding timely paperwork and payment submissions. However, the incorrect repayment reporting to all three ( 3 ) credit bureaus continues to adversely affect not only my credit score, but also my attempt to secure credit. 

I have submitted all requested payments before or within the payment timeframe. The following payments, in the amount of {$5.00} each, have been submitted to date : No. Payment Date Payment Type Comment XXXX XX/XX/XXXX Payment Card Submitted on XXXX website XXXX XX/XX/XXXX Payment Card Submitted on XXXX website XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX
Product: Debt collection

On XXXX/XXXX/XXXX I received a letter from Accelerated Receivables Management, Inc ( ARM ) attempting to collect {$3900.00} resulting from routine XXXX performed in XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to XXXX XXXX XXXX XXXX of NC XXXX XXXX XXXX, XXXX never filed a claim for this work, but since I was covered, they would pay should they receive a claim. I have explained this to ARM, and even offered to file the claim myself. I have yet to receive a bill or an itemized statement from XXXX or ARM explaining the charges. It is my understanding that XXXX filed bankruptcy, and I am concerned this may be an illicit attempt to profit off discharged debts, if not insurance fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having issues with XXXX, Transunion, XXXX they pretend to investigate your case on your behalf & do nothing! I sent out a letter to the company on XX/XX/2022 to inform them to correct my account & later they pretend to verify the account which they did not with this student loan company. I called the XXXX XXXX XXXX XXXX they did not have any information on my account because they so-called transferred the account to XXXX which I called also & no information is coming up in their system for me meaning there's no proof that I have this account I also sent the company a letter to validate my account with the original document & XXXX XXXX XXXX  XXXX ignore me, XXXX keeps on dropping my score for no reason it has not even been XXXX days like they claim. XXXX pretends to investigate & doesn't do anything. I have things that are on my credit report the statute of limitation expired on this account they leave it there!! also, I pay all my credit cards down but somehow they still show I have a large balance which is incorrect!! They also pretend they can not process your information because they can not identify who you are when you sent in your picture ID, SS card #, address, they do this to delay the process of processing your claim or investigating the claim they want to keep you at a low credit score, I have documentation I sent the companies paperwork & paid certified mail.
Product: Credit card or prepaid card

I logged onto Frontier Miles website to use my XXXX miles towards a hotel booking. The website will not allow me to use the max of my earned miles to book ( there is a scroll bar that allows you to modify amounts, but this scroll bar isn't working at all ) I don't want to pay cash when I have miles. At least as little of cash as possible. So far I have used different browsers and come to the conclusion it is not my computers or Ipads. The first rep advised she can do it on her side and offered to login for me. I provided the password, she fiddled around for a good 10 minutes then hung up on me. The second rep/supervisor ( XXXX ) advised that there is no longer offers for a booking of a hotel for miles. BUT it's clearly an option on the website to use. Otherwise, this is false advertising! I've earned these miles. They could not escalate and advised they said they will forward to customer service or a call back from a manager named XXXX. Nothing! This is an emergency trip! I need to book ASAP.
Product: Credit card or prepaid card

I received in the mail within the XXXX weeks a XXXX XXXX from Comerica Bank. I called the customer service line on Monday, XX/XX/22 letting them know I had received a debit XXXX from them but did not have an account with Comerica. 

They said they would look into it and reply back. 

On Tuesday, XX/XX/22 a representative from the fraud division of Comerica Bank called me back. He checked my address, social security number, drivers license, and birthdate. 

The following facts were found : XXXX. My address was not correct. The debit card mailed to me had : XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas, XXXX. My correct address is : XXXX XXXX, XXXX XXXX XXXX, XXXX, CA. XXXX. 

XXXX. My social security number had been hacked. The numbers I gave were not what was on file. 

XXXX. My birthdate did not match what was on file. 

XXXX. There was no fraudulent activity on my Ca. Drivers License. 


They have since closed the account of which I never opened and blocked any further activity related under my identity. The Comerica Representative from the credit card fraud unit recommended I go to FTC.gov which brought me to the Consumer Financial Protection Bureau. He also recommended my to contact my bank and let them know I was a victim of fraudulent activity. I should request the bank to protect my assets I have with them in case of this type of activity.
Product: Debt collection

Per the FCRA, as a federally protected consumer.

SouthWest Credit Systems is furnishing inaccurate and incorrect information to the consumer reporting agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes.

Their inaccurate reporting has damaged my livelihood.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something As Defined by The IRS The IRS Clearly defines a charge-off as considered a certificate of indebtedness as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes their reporting of this account inaccurate! 


By Definition The IRS and CFR Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 Says SouthWest Credit Systems is a furnisher of information to a consumer reporting agency. 

XXXX XXXX XXXX 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.

In conclusion, I have shown them and I have put them on notice that they are reporting inaccurate information. The information is, in fact, inaccurate.

The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information. 

Tracking Number : XXXX XXXX XXXX XXXX XXXX Tracking Number : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY XXXX/XXXX  XXXX CR Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Tenant screeners ( reseller ) Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

My XXXX Visa was transferred to Comenity from XXXX  XXXX XXXX. I've written to Comenity many times about the various problems, over the last few months, and they never fix anything. 
Now, the problems are getting worse. They have not credited me the rewards I'm due, upward of {$100.00}. When I asked them to fix it, they acknowledged the problem, but didn't fix it. In the process, they deleted my rewards which had already been credited in the past!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute several hard inquiries on my credit report from TransUnion. As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and believe that these inquiries were conducted without my consent or authorization. 

The hard inquiries in question were conducted on the following dates : XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reviewed my credit report and confirmed that these inquiries were not initiated by me nor were they authorized by me. I have not applied for any credit or loan products during this period, which leads me to believe that these inquiries were made in error or fraudulent. 

According to the FCRA, credit reporting agencies such as TransUnion are required to investigate and verify the accuracy of information reported on credit reports. Furthermore, any unauthorized inquiries that appear on a consumer 's credit report must be promptly removed upon notification by the consumer. 

In accordance with the law, I have already taken action to address these unauthorized inquiries. I have submitted written disputes to TransUnion and requested that they remove these inquiries from my credit report. However, despite my efforts, these inquiries still appear on my credit report and have negatively impacted my credit score.

I believe that these unauthorized inquiries have caused me financial harm, as they have led to a decrease in my credit score and could potentially impact my ability to obtain credit in the future. Therefore, I am requesting that the CFPB intervene on my behalf and investigate this matter further. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account GOLDEN 1 CREDIT UNIO which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that GOLDEN 1 CREDIT UNIO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

XX/XX/2018. 
XXXX XXXX XXXX XXXX ( Remex ) XXXX XXXX XXXX XXXX, NJ XXXX Telephone : ( XXXX ) XXXX Received numerus calls from this agency. Also just received a letter for collections for a medical doctor they represent. XXXX XXXX XXXX XXXX. Remex stated in the letter that I owed money for an outstanding bill. In their letter it states that they would like to resolve this matter prior to reporting derogatory information to the credit bureau. Called Remex about the claim as the balance doesn't correspond to any of the bill 's that I have received from the doctor. Remex proceed to tell me the inflated bill was because I had to pay a collections fee. I proceeded to ask for an itemized bill to show the amount owed and was told by Remex that I needed to supply them with my social security number and Medicare number for them in order to obtain an itemized bill. Didn't give them any private information and proceeded to call XXXX XXXX XXXX XXXX about an outstanding bill that was over a year ago. I was informed by their billing department that I owed no outstanding bill and nothing has been sent to collections.
Product: Credit reporting

BACK ON XXXX XXXX 2016 I RECEIVED A CALL FROM A LOCAL LOAN CO. WHICH THEY SAID IF I WOULD COME UP AND PAY THE LOAN OFF IT WOULD BE LESS THAN WHAT IT NORMALLY IS SO I WENET UP AND PAID IT OFF AND XXXX AND EQAFACTS AND PROBALY XXXX STILL HAVE IT ON MY CREDIT REPORT IF THESE COMPANIES DO N'T UPDATE THERE RECORDS WHY ARE THEY STILL IN BUSINESS BECAUSE THEY CAN XXXX ALOT OF PEOPLES LIFES UP THANK YOU.
Product: Debt collection

The original creditor account was through XXXX XXXX XXXX but that charge was disputed due to the account being mischarged and incorrectly billed. XXXX XXXX removed the derogatory mark from my credit report but appear to have sold that account to multiple collection agencies. LVNV Funding LLC has recently removed the collections account from my credit report but this accounts was THEN given to Resurgent Capital Services ( see scanned letter ). This account has been closed and originally removed from my credit. I need the multiple inquiries and collection attempts to stop, its too much for me to handle and is ruining my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Vehicle loan or lease

In XXXX I financed XXXX XXXX w/ XXXX miles from XXXX XXXX XXXX XXXX NY. The selling price for the vehicle was $ XXXX and I was given a financed amount of $ XXXX by Santanda Bank to pay over a 72 month term at an interest rate of 21.9 %. At {$540.00} per month for 72 months it is estimated that i would be paying off $ 39k or more at the maturity date of the loan. 42 months later Ive already paid about $ 21k. I will admit that Ive been significantly late on most of my monthly payments from the start and even had 6 months pushed to the back of the loan. However, all this was because of financial hardship and extensive repairs that I had to deal with within 6 months of purchasing the car. Fast-forward to 48 months later in XXXX, while still struggling with extensive repairs and failing inspections, I still owe $ XXXX on the vehicle with XXXX miles used and a book value of no more than $ 4k. The bank says Ive only been paying interest and that my principal has yet to be affected by these payments.
Product: Checking or savings account

I deposited a check using mobile deposit on XX/XX/XXXX, and received notice that it would be held until XX/XX/XXXX. The notice provided the general list of exceptions to the maximum hold time limit, but did not specify the reason for the hold. I requested clarification and a specific reason multiple times, and was told first they hadnt placed a hold at all, then that they couldnt give me a reason for the hold because its proprietary, then that the hold was discretionary due to their agreement which says they can hold a check for any reason. They declined to lift the hold, and I have no idea why it exists or what to do because I cant use the {$2000.00} that was deposited.