23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Transunion is knowingly reporting an incorrect balance and payment status for an account that was settled with XXXX XXXX. I initially disputed the above referenced account with Transunion in XXXX under the Fair Credit Reporting Act ( FCRA ) but the account apparently was verified. I subsequently disputed the account directly with XXXX under Section 623 ( a ) ( 8 ) ( D ) of the FCRA multiple times, eventually even filing a complaint with the CFPB under this Federal law. XXXX 's response was, and I quote : '' Our records indicate that we received a payment of {$21000.00}, which settled the XXXX account ending in XXXX. XXXX notified the consumer reporting agencies the XXXX account ending in XXXX was settled. We have investigated your complaint and found that XXXX furnished information relating to your account in accordance with industry guidelines. In response to your complaint, XXXX verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies. " In support of XXXX 's claim of correct reporting, XXXX is correctly reporting the balance as zero, with a payment status of " Settled, '' which indicates that XXXX is correctly reporting the information but that Transunion is ignoring the corrected information from XXXX and continuing to knowingly report false information to my credit report to my detriment!! This represents a blatant violation of the FCRA!!! 
I have attached the settlement letter from XXXX and the Certificate of Satisfied Judgment as proof of the settlement as well as a partial credit report, dated XX/XX/XXXX, showing the false reporting.
Product: Mortgage

I am filing this complaint regarding my mortgage account with PennyMac. Despite having autopay set up on my account, a payment scheduled for XX/XX/year> was reversed without my knowledge. I did not receive any notifications about the late paymentneither by email nor mail. I was under the impression that my payment had been made as scheduled. I only became aware of the issue after receiving an email from a Credit Reporting agency regarding a new alert. When I checked it showed a 30 days late notice, which has negatively impacted my credit. I believe that PennyMac failed to fulfill its responsibility to notify me of the missed payment and to ensure that autopay was functioning correctly. I respectfully request CFPB assistance in resolving this matter, including a review of PennyMac 's notification process and a request to remove the late payment from my credit report.
Product: Debt collection

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor and dispute it with them. The creditor was not able to provide proof or documentation to verify this specific account with me. All they sent me was some generic response stating that the account is accurately being reported to the credit reporting agencies. They did not use reasonable measures to ensure the accuracy of my credit reports and it seems credit bureaus are stalling the process further. This is a violation of the FCRA
Product: Vehicle loan or lease

I'm trying to fix my credit and I call JPMBC-Auto " chase bank '' to find out about my acct to negotiate. I call to get verification on the whole acct they denied that information and I ask for a supervisor he told me that same thing so, I ask to get a letter of agreement to settle this issue they denied that too. call back again today XX/XX/XXXX the lady gave me a whole different story from the 2 previous agents. account was open XX/XX/XXXX account was Charge off, {$0.00} written off {$1800.00} past due but it was charge off since XXXX was update in XXXX XXXX i ask about the car title they didn't want to give me information about either. agents i talk was XXXX Id # XXXX XXXX Id # XXXX
Product: Credit reporting or other personal consumer reports

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

The information was not provided by XXXX by XXXX XXXX. The debt is not verifiable and should be removed. The first date of Delinquency from XXXX XXXX XX/XX/year> and this the date that it should also be used by any collection company upon transfer according to the FCRA.
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 : XXXX 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 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

XXXX XXXX ] [ XX/XX/year> ] [ XXXX ] This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( Auto loans, Credit Cards, and Mobile phones ) [ XXXX XXXX ] with a balance of [ XXXX on my credit report ], XXXX XXXX XXXX XXXX ] with a balance of [ XXXX on my credit report ], [ XXXX XXXX XXXX ] with a balance of [ XXXX on my credit report ], [ XXXX ] with a balance of [ XXXX on my credit report. ]. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ XXXX ] # from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Good morning. 

I paid Sears twice during in a balance transfer transaction and despite numerous attempts by me and promises by them to refund the money, we have yet to receive it. In fact, I learned yesterday from the rep I was speaking with that it was still under review because it is a " large amount ''. That it is being re-evaluated again because of it.

Sears clearly is engaging in subterfuge to hold on to our money despite the impropriety and perhaps illegality of it, in order to show ( perhaps ) that they have more assets in their credit card business than they actually do. 

This morning I sent them a message which I've attached. 

Thank you for reading this. 
XXXX
Product: Debt collection

I need my statements faxed or emailed to me and at XXXX nobody could help me and just transferred me to some random voicemail. At XXXX, after calling for 2 days straight, nobody ever picks up there.
Product: Checking or savings account

While I was incarcerated, checking accounts was open and XXXX  checks was deposit into these accounts for funds. The dates each account was opened I provided a sentence order from the court showing the dates I was sentenced to XXXX. I also provided a parole certificate showing my release date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient XXXX Open Date XX/XX/XXXX Balance {$2100.00} Navient XXXX Open Date XX/XX/XXXX Balance {$2200.00} Navient XXXX Open Date XX/XX/XXXX Balance {$150000.00} As a customer, I now have privileges that are granted to me to safeguard me from misinformation being disclosed on the credit report. At this juncture, I would wish to come up with a last inquiry for examination before I discuss with my lawyer for information on how to handle inaccurate and unverifiable items that are continuing to be affirmed as true. Please don't hesitate to generate me along with a copy with the agreement fixed or voice interaction where I certified billing me for this account.
Product: Debt collection

Lawful Notice of Dispute TO : XXXX XXXX XXXX RE : LAST XXXX DIGITS OF XXXX To Agents or Assigns at : XXXX XXXX XXXX XXXX XXXX in receipt of a computer-generated letter from your company dated on or about XX/XX/2023 unsigned, unverified, unvalidated statements alleging some kind of debt. It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and XXXX XXXX XXXX. Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect a debt in Texas. If you bought this as a debt collections device to make money as a debt collector, thank you for paying off the bill. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and a hard inquiry popped up saying that him something about XXXX XXXX XXXX XXXX and I dont know anything about that I didnt agree on that so I will like this remove from my XXXX XXXX XXXX  report I talk with XXXX XXXX and they said they have no information also I spoken with XXXX they tells me to call the police and XXXX XXXX is not helpful at all
Product: Debt collection

THE ATTACHED LETTER TO TITLE MAX IS FULLY DESCRIPTIVE OF THE COMPLETE ISSUES.
Product: Credit reporting or other personal consumer reports

I am formally requesting an investigation into TransUnion for conducting unauthorized hard inquiries on my credit file without my consent. I have never signed any application or given authorization for these inquiries to be made. Despite multiple requests, TransUnion has failed to provide any proof of my authorization for these actions, such as a signed application or a contract along with my valid driver 's license.

These unauthorized hard inquiries raise serious concerns regarding TransUnion 's compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for accessing and reporting consumer credit information under 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may only provide a consumer report under specific conditions, including written consent from the consumer. Any violation of this provision not only breaches FCRA regulations but also subjects TransUnion to liability.

Here is a list of the unauthorized inquiries that have negatively impacted my credit score a
nd financial standing : 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 not provided any entity with the authority to access or pull my credit, and TransUnion 's failure to comply with FCRA regulations has caused undue harm to my credit standing. Under the FCRA, TransUnion is required to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. I respectfully request that the CFPB investigate TransUnions practices, hold them accountable for failing to comply with the law, and take immediate action to remove these unauthorized hard inquiries from my credit report. Additionally, despite my repeated communications, including sending notarized documents via first-class mail. TransUnion continues to ignore my requests, subjecting me to ongoing psychological harassment through their unauthorized actions. I need verifiable proof of who initiated these hard inquiries, along with proof of identity, to confirm who authorized them. Please investigate this matter thoroughly and ensure that these illegitimate inquiries are removed from my credit file immediately.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed An ID theft report with Equifax well over six months ago and equifax cleared up issues regarding two accounts that were showing up on my credit file that were not mine. Unfortunately, today, I discovered that those account have reappeared on my report after over six months of disappearance. Not only has this negatively impacted my credit report, but it has also pointed to a greater problem with equifax data systems. 

These two credit card accounts listed from XXXX are not mine and are the result of fraud. XXXX has confirmed receipt of my ID theft report before and they took measures to remove them from my report. These accounts need to be deleted permanently and immediately under my rights according to the FCRA. 

Also, there is an inquiry on my equifax report that is the result of fraud and I did not initiate this at all. XXXX says that i need To have equifax to delete this inaccuracy
Product: Mortgage

I request that the company Wells fargo dba ASC produce sufficient documentation proving they have the '' right to foreclose. Proof of documentation established through proper assignments of forms XXXX, XXXX, or form XXXX. Again I am respectfully demanding that the Wells Fargo Home Mortgage dba America Servicing Company bank show A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan Deed of trust Chain of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. 
Refund of all funds submitted for payment by me on this account made Payable to I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they do not and can not produce the original note they are committing fraud and perjury. I want to see an official wet ink signature showing where I signed for the loan. This bank has commited fraud on several accounts.Again I am respectfully demanding that the bank show A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan Deed of trurst Chain of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. 
I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they do not and can not produce the original note they are committing fraud and perjury. Please arrest these people for fraud. 
Please arrest these people for fraud. A full copy of all United States Postal mailings dates through mail. All USPS checks/money orders returned to me. I am requesting these all my payments be returned to me. A payment was made to this account in the form and a USPS money order and it has not been applied. This is a felony. This bank has been fined for predatory lending and violation of federal law, false reporting by the FTC and I have not received my funds from the settlement.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX continue to report inaccurate information on the account Dpt EdXXXX XXXX. 

Account # : XXXX XXXX XXXX Bureau Code : Individual Terminated Individual Date Opened : XX/XX/2023 XX/XX/2023 XX/XX/2023 Balance : {$44000.00} {$0.00} {$44000.00} Last Reported : XX/XX/2023 XX/XX/2023 XX/XX/2023 Date Last Active : XX/XX/2023 XX/XX/2023 - Date of Last Payment : XX/XX/2023 XX/XX/2023 - This means this account has not been properly verified per the requirements of FCRA. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

Despite being a victim of fraud and XXXX having a record of the police reports filed, XXXX continues to report debt 's that do not belong to me, information obviously not being verifying before reporting incorrect information to my credit file, this has been an issue with this reporting agency for a number of year 's now. Information that should be reporting in my file they will not report despite financial institution 's reporting to this agency.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. Causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a transfer of {$25000.00} to Wise Inc with the intent to convert it to XXXX  and use these funds to fund my living expenses in XXXX. After the stated 2-5 days the status changed to " We're running some checks ''. 

For the 30 days I patiently waited ; I didn't receive any correspondence from them. There had be no attempt to contact me ( phone, email or letter ). So I contacted them on XX/XX/XXXX to enquire the status of my money. I received a generic response stating it could take up to 30 working days or longer- with no other details. 

On XX/XX/XXXX I opted to cancel my transfer in hopes to have my money refunded. They told me that the " regulatory checks '' need to complete and can take any amount of time. 

I need this money to keep the lights on. This behaviour seems unethical and disgusting, even if it was only for a few XXXX dollars - this is my money and if I don't wish to use their bank then I expect it to be returned. If they have any issues they can discuss with my bank - XXXX. Holding a persons money hostage because they have the right is outright abuse to the consumer.
Product: Student loan

When I was about XXXX I enrolled to go to XXXX College in XXXX, Utah. I was in a " XXXX '' ( XXXX ) program under the impression that after a month I would be moved to a XXXX program, this never happened. I did graduate but they never gave me a diploma. I now owe Navient {$33000.00} for a 20 month XXXX degree. I also owe XXXX College another {$8000.00} for a private student loan that is accruing interest at a rate of about {$70.00} a month. XXXX college also told me I would be making around {$XXXX} a year and it was not wise to pursue education at a XXXX college because it would take too long. Obviously that did/is not happen. I believe I have been a victim of a predatory loan. Please help