23daVinci/CFPB_Complaints huggingface dataset:
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. 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 XXXX and XXXX  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. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.

15 U.S.C. 1692C A Section 1 : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location. 

The debt collector has communicated with me without my express permission, it has furnished my account without my written instructions and has violated my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing an account that is being reported on my credit report as wrong information. I contacted experian and they told me to contact the creditor. I used the address on the credit report and the letter came back to me as the wrong address. How can experian verified if the address is wrong?
Product: Checking or savings account

BofA decided to close my checking account and accounts linked to it such as my children 's accounts, of course this caused great amount of problems with items not being paid, direct deposits not going in and more. When I called to ask why after 30 years as a customer they are closing they said " we can close any account at any time without giving the customer a reason '', I reached out to CFPB, you reached out to them and they never responded. The prior complaint id is XXXX Please help, please advise. thank you
Product: Debt collection

No one ever contacted me about the debt. I had no idea until I saw it on my XXXX report so I called the medical facility I owed ( XXXX XXXX - {$160.00} ) and paid the debt over the phone via credit card. Ref # XXXX - Author # XXXX - Trans # XXXX - Date paid XXXX XXXX, 2016 Time : XXXX - I have not been able to contact berks collections but this is still on my credit report and I want it off. please
Product: Mortgage

Hi, my name is XXXX XXXX and I have a mortgage under Citizens One. From when I opened this loan in XX/XX/XXXX to now in XXXX I have been flawless with my payment history and never missed none. On looking at my credit report there was XXXX late payments in XX/XX/XXXX and XX/XX/XXXX which I am 100 % sure I never missed also, I have my mortgage on autopay so this is impossible as to how I was late on my mortgage and never paid my mortgage. I am trying to get my credit fixed up as I am going for another mortgage loan and need this data corrected. Also, I am for certain that there was program going on around the period so these late payments I need cleaned up.
Product: Credit reporting or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. These accounts have been included in my bankruptcy. Among other inaccurate factors. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section A sec 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information. 15 USC 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. XXXX, XXXX and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the accounts/Inquiries below be removed immediately per my instructions enclosed :
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting or other personal consumer reports

Ive Been In Contacted With TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/year> regarding A Public Record Listing A Case XXXX XXXX  I Personally Search This Public Record From Third Party Pacer Whom Supposedly Housing This Information. 

In Doing So I Found There Is No Record Of This Case # & It Is Inaccurate! 

Ive Contacted TransUnion XXXX XXXX For 8 Months Disputing This Information! 

Ive Disputed With CFPB Several Times! 

Each Time TransUnion XXXX XXXX Responds Is Results Will Be mailed. 

Each Time The Mailed Results Are Generic GENRATED Letter Stating Account Was Verified As Accurate With No Proof On How?! No Procedures Or Information On How They Came To This Conclusion?! 

TransUnion XXXX XXXX Are Violating My FCRA Rights FCRA Section 611 Part ( A ) ( 1 ) Credit bureaus if they fail to respond to your written disputes within 30 days a 15 day extension may be granted if they receive information from the creditor within the first 30 days ) FCRA Section 604 ( A ) ( 3 ) Creditors if they pull your credit file without permissible purpose FCRA Section 605 ( c ) Running of the reporting period Creditors or collection agencies, and credit bureaus if they try and " Re-age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer Attachments : Proof XXXX XXXX Deleted Account Proof That XXXX XXXX XXXX XXXX Is Not Reporting To Credit Bureaus ( My Letter To Court ) Furnisher Whom Supposedly Is Verifying This Information XXXX XXXX XXXX XXXX Responds Proof That Case XXXX XXXX Is Inaccurate So HOW Is The Credit Bureaus Verified A Public Record With A Inaccurate Case XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is intentionally reporting inaccurate credit inquiries on my credit report after the fact of me calling numerous amount of times that these inquiries are false and fraudulent, especially since they are not attached to any accounts whatsoever. I have already sent in the correct documents to prove my case yet they automatically respond to the documents not being valid and they responded without full verification of these inquiries. They are intentionally reporting these 5 inquiries after being made aware of these inaccuracies which violates my rights as a consumer. I DEMAND THESE INQUIRIES TO BE REMOVED IMMEDIATELY! 

XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/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

I have been requesting a complete Free Credit Report be provided to me for several months now from TransUnion, with no success, and each request being denied. 
I am a Victim of Identity Theft, FTC Complaint # XXXX, and TransUnion is hindering my ability to monitor the information contained in my Credit Report by ignoring and denying my requests to receive my free Credit Report as requested, which is well within my rights as a Victim of Identity Theft.
Product: Debt collection

I have tried contacting the company several times through mail and CFPB AND NOTHING GETS RECTIFIED THEY SAY THEYVE DONE A FULL INVESTIGATION AND JUST UPDATE THE NUMBERS ON MY CREDIT REPORT
Product: Money transfer, virtual currency, or money service

I was charged an unexpected XXXX $ fee due to TD Bank 's misleading. 

On XX/XX/XXXX, Monday, I called TD bank to see how can I pay my college tuition to a XXXX university ( University XXXX XXXX ) with my American bank account. The amount is XXXX $ and an additional 1.75 % convenience fee which was XXXX $ ( in total XXXX $ ). 
Meanwhile, I also had the bank wire transfer information on my hand and asked if I could do a bank wire transfer online considering the pandemic. 

I was suggested that No you have to do bank wire transfer in person and bank wire transfer would cause a fee ( XXXX $ ) and you would want to do it with your card to avoid this fee. Thus, I used the debit card and paid this fee online. During my previous calls with TD bank ( on XX/XX/XXXX and XXXX ), I also inquired if there would be other fees despite the tuition and the convenience fee. All customer service staff I talked to were not aware of the international transaction fee. 

However, after a few days, I found I was charged XXXX $ and XXXX $ international transaction fee by TD BANK. I was misled to pay XXXX $ to avoid the XXXX $ wire transfer fee. I felt shocked and called TD bank immediately and illustrated my situation to the customer service staff. He contacted his supervisor. they just kept saying sorry for my loss and they would educate their employee and asked when did I call. However, they told me they didnt have the authorization to refund these two international transaction fees. 

On XX/XX/XXXX, I went to the local branch of TD BANK ( XXXX XXXX XXXX, XXXX, MAXXXX ) and made a complaint about this issue. The local assistant managers XXXX and XXXX were responsive and told me they would have to ask their supervisor and gave me feedback on the next day around XXXX. They were not familiar with this fee, neither. 

On XX/XX/XXXX, I didnt receive any call thus I called the bank. XXXX told me they would need to do an investigation and asked when did I call. I replied. However, I didnt receive any call after that. I called on XX/XX/XXXX and XXXX and be told it was still under an investigation. 

On XX/XX/XXXX, I found I was charged a XXXX $ maintenance fee because I failed to keep a minimum daily balance ( and it was because I was charged the international fees ). 

Now, it has been another whole week but I still did not hear anything from TD Bank. 

Thus, I would want to ask help from you to see if you can contact somebody in the bank who would have the authorization to compensate for my loss.
Product: Credit reporting or other personal consumer reports

According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting information on their credit report that was the result of identity THEFT. Because my information was disclose on the Data Breach : I have several fraudulent accounts that should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These Accounts are due to the Data Breach, therefore they should be removed immediately from my consumer report.

15 U.S.C 1681... PROMOTES THE ACCURACY, FAIRNESS, AND PRIVACY OF PERSONAL INFORMATION ...,
Product: Credit reporting, credit repair services, or other personal consumer reports

Company-CapitalOne falsely reporting that I owe {$300.00} from XX/XX/2017. 
They have ruined my credit and score since then and I would like for CFPB to do a thorough investigation to make sure they are under investigation for sending false information. Thank you
Product: Credit card or prepaid card

lost cr card agent did not ask info to replace it, wanted to do a pymt as the automated system does not do a pymt w/o acct info. agent could not take a pymt over the phone Want late fees to refunded, and replacement card sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC XXXX Balance {$620.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
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 abillity to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the Iam asking you to verify. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit card

According to this section of the law, certain items are excluded from the definition of a consumer report, which may include obsolete or inaccurately reported information. I believe the late payments reported on my credit file fall under this category due to their inaccurate, misleading, or unverifiable nature. Since credit reporting agencies are required to ensure all information reported is fair, accurate, and substantiated, I request an immediate investigation and removal of these late payments from my report.
Product: Bank account or service

I asked Union Financial Services to transfer a XXXX XXXX account ( ~ {$630000.00} ) to Union Financial Services and manage that account. I understood a fee would be charged for the service. After the account was transferred I learned Union Financial Services was also charging a fee for my IRA ( ~ {$260000.00} ) account without my instructions. Union Financial Services Compliance Analyst, XXXX XXXX and XXXX XXXX sent me a letter with a copy of the transfer request with the copy of the Managed Account New Account Application for the Account being transferred From XXXX to Union Financial Services as proof that I wanted Union Financial Services to manage my IRA account. I asked for a copy of the application that Union Bank Financial services alleged that I signed for managing my IRA account and Union Bank Financial Services was unable to provide that document. Union Bank Financial Services also advised me that they decided to close my IRA account and other accounts as punishment for asking the details of my investment accounts.
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

Experian did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate information.
Product: Credit reporting

I do not have an account with XXXX XXXX. I reached out to them and they mentioned that there is no account in my name with them or even under this account number. When I dispute this with the credit bureau 's it is still showing up on my report yet it is erroneous. This needs to be deleted as soon as possible. Due to this erroneous reporting, I have been denied credit and I am in the process of purchasing a home. I wrote XXXX XXXX and they mentioned that this is not their address and that this account does n't even exist in their records, yet it is showing up on my XXXX, XXXX and Equifax report. Please DELETE this. This is reporting incorrectly and is against the FCRA reporting responsibilities. The account number is XXXX. Please see attached, for I have circled the account that is showing up on my XXXX, Equifax and XXXX Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my previous dispute/complaint, XXXX claims to have sent me information stating they validated my account but did not. They claim that they have reviewed their records and verified they sent me the requested information, but they hve not. They did not notify me of the purchase of any account. They produced a letter in response to my last dispute, however, I never received this letter. When I sent my dispute to them, I sent it via XXXX XXXX and ca produce a XXXX. They can not, because they never sent anything. They claim the deb is from XXXX XXXX. I have XXXX XXXX XXXX accounts and have only ever had 3, which are all in good standing and never late. This account that they claim the have verified is mine, is not. They claim a contract was formed in XX/XX/2014 with XXXX XXXX, however this is untrue. I asked them to produce a copy of the contract with my signature and they told me that the will not and do not have to send a copy of the contract. They only thing they sent were XXXX bills which does not VALIDATE the account. This original creditor account they claim is mine, is not on any of my credit reports. XXXX has already removed the account because it was determined that it was not my account. They never sent all requested information. This is m last attempt to allo them to remove the account willingly. If they do not remove this account that is reported inaccurately and that has not been validated, I will seek legal counsel and file a lawsuit to include defamation of character and request that they are prosecuted t the fullest extent of the law.