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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding TransUnion 's Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to file a formal complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ), specifically under the obligations outlined in section 604 ( a ) ( 3 ), as clarified in the Consumer Financial Protection Bureaus advisory opinion. 
TransUnion improperly deleted my XXXX XXXX account from my credit report, an account that I relied on to build my credit history. This action has negatively impacted my credit profile and does not align with the FCRA 's requirements for accurate and fair reporting. Under section 604 ( a ) ( 3 ), consumer reporting agencies are required to ensure that the information included in a consumers report is accurate and pertains to the consumer who is the subject of the report. 
I am requesting that the CFPB investigate this matter and take appropriate action to address the following : That TransUnion restores the deleted XXXX XXXX account to my credit report, reflecting its accurate and updated status. 
That TransUnion complies with the obligations outlined in FCRA section 604 ( a ) ( 3 ) to ensure the accuracy and integrity of its reports.

That measures are taken to prevent further improper deletions or mishandling of accounts on my credit file.

Enclosed are copies of my credit reports, correspondence with TransUnion, and any supporting documentation for your review. 
I trust that the Consumer Financial Protection Bureau will address this issue promptly to protect consumers like me from the adverse effects of improper reporting actions. Thank you for your time and assistance. 
Sincerely,
Product: Credit reporting or other personal consumer reports

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : Dept of Ed XX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX  XXXX XX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> I hope this letter finds you well I am asking for the cfpbs help in a system me or protecting my rights i have been violated by XXXX and transunion I wrote to the Delaware XXXX XXXX bankruptcy court on XXXX seeking confirmation about the reported bankruptcy, and received a letter in response > stating they do NOT furnish any consumer data to XXXX, Transunion or other credit entities. I also sent 3 dispute letters to XXXX and Transunion citing the inaccuracy and requesting investigation/removal based on the court 's response. Plus asking for information that they have they sent me a letter back with another name on the bankruptcy that is not mine also. I sent notarized affidavits also. I also sent XXXX a letter documentation of contacting The XXXX court directly inquiring about their records, but received no response. Despite XXXX and Transunions failure to validate or deny the report to you directly as the natural person creditor. XXXX and Transunion has not properly fulfilled their duties to investigate under the FCRA nor removed the false information, despite being unable to verify the third party source that supposedly reported it.
Product: Credit reporting or other personal consumer reports

In accordance with the fire credit reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I've called these places and tried to get account numbers but couldn't get anywhere. 

15. U s.c. 1691 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 consent or instructions.

15 u.s.c. 1681 a ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information in any adverse item of information, other than records of convictions of crime which atedces the report by more than 7 years.

U.s.c. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating a consumer to any consumer reporting agency if the person knows of his responsible cause to believe that the information is inaccurate.
Product: Checking or savings account

From XX/XX/XXXX to XX/XX/XXXX Key Bank charged me 10 overdraft fee 's at the rate of {$38.00} each totaling an amount of  {$380.00}. This amount of charges are in error as all funds for posted transactions were available and I have not overdrawn such account. On XX/XX/XXXX I was charged XXXX dollars for a XXXX ATM Fee which is valid however started the spiral of overdraft fee 's and the unethical practice of fee-ing on a fee. In addition to such Key Bank also used a posting order to negatively impact such account. The amount of {$380.00} should be credited back to the account immediately.
Product: Credit card or prepaid card

Chase explorer card Reference # XXXX Dispute denial after the XXXX XXXX XXXX  XXXX sent a letter stating they will honor the refund in the amount of XXXX chase explorer refuse to challenge the merchant with all the proof we have provided
Product: Credit reporting or other personal consumer reports

XXXX XXXX  continues to report inaccurate information to Experian for XXXX XXXX. Experian reports the following information *which is inaccurate* Date Opened : XX/XX/XXXX Open/Closed : Closed Status : Account charged off. {$6200.00} written off. {$9000.00} past due as of XXXX XXXX 
Status Updated : XXXX XXXX  Balance : {$9000.00} Balance Updated : XX/XX/XXXX Last Payment Date : XXXX XXXX XXXX Terms : 72 months Past Due Amount : {$9.00}, XXXX Original Balance : {$18000.00} When you look at the 24 month payment history ( each month being reported as a charge off ), you can see that XXXX XXXX  the account status remained in a " charge-off '' status. How is this possible when above the payment history Experian is reporting that the last payment date was " XX/XX/XXXX ''. This is inaccurate information. 

Additionally, this account has been on my file for 8 years and 6 months and continuously reports inaccurate information despite my previous unsuccesful attempts to find a resolution for this account. Experian states it is scheduled to be removed from my file XX/XX/XXXX which is soon however, I would prefer the account be removed in it's entirety due to the inaccurate reporting having already damaged my file.
Product: Payday loan, title loan, or personal loan

XXXX GOT CALL FROM A XXXX XXXX OFFER ME A LOAN FOR XXXX GAVE ME ACOUNT NUMBER XX/XX/XXXX PHONE XXXX TO HIS MANAGER XXXX XXXX XXXX HE CALLED ME BACK XX/XX/20 SAID TO SET UP XXXX  XXXX ACCOUNT TO DEPOSIT XXXX FIRST PAYMENT AS I WAS NEW FOR THE APPROVAL SEND ME A CONTACT WAS LACKING A LOT OF DETAILS AND SAID THE LOAN WOULD BE IN MY ACCOUNT, SAID THERE WAS PROBLEM WITH MY ACCOUNT ON MY BANK THERE NO PROBLEM HE DID NOT DO THE DEPOSIT WAS THE PROBLEM. HE SAID THAT THE LOAN WAS A TAX AS HE IS IN NEW YORK I AM IN KY THERE IS A XXXX TAX SENT XXXX AND XXXX XXXX FEE TO GET MY XXXX BACK THEN SAID THAT WIRE XXXX THAT THE TRANSATION ON XXXX XXXX WAS XXXX THEN TOLD HIM FORGET THE XXXX AND HE SAID JUST PAY XXXX AND WILL DO THE DEPOSIT AFTER PAYING XXXX WAS NOT GOING TO PAY ANOTHER DIME AND REFUSING A REFUND THAT DID WANT THE LOAN. HE IS LIED AND DP WANT HIS LOAN NEED TO REFUND ME HE HAS LIED TO ME AND THE CONTRACT IS LACKING IN DETAIL
Product: Mortgage

I bought my residential property in XXXX with a mortgage, hazard/wind insurance and flood insurance on the entire property. In XXXX I took out a home equity loan with Bank of America, also on the entire property. XXXX insurance has always provided the flood insurance, though the agents servicing the loan have changed over the years. In XXXX, XXXX my local XXXX agent abruptly left the company. My flood insurance was due on XXXX/XXXX/XXXX. I could not pay it because my local agent had left XXXX and the new agent could not access the database containing my records.As soon as he could get into the records, he called me. I gave him my credit card payment over the phone. He verified the mortgagors on the account, including the Bank of America. He said he would notify both and he did. However, I got a letter from Bank of America saying my policy was " cancelled or expired and acceptable evidence of coverage was required. '' I sent a copy of my declaration page. I got a second letter with the same wording. I sent a second copy of the declaration page. No other response. I noticed a fee of {$1100.00} had been charged to my HELOC account when I was reviewing documents in connection with a loan modification I was requesting. When I called Bank of America about it, I was told the charge was for a separate structure that I added to my property that had to be covered by a separate policy. I explained that no structure had been added and asked to talk to a supervisor. The supervisor informed me that the flood policy was not even on a residential property and that the insurance requirement was different. I called my ( new ) insurance agent who assured me that the policy was indeed residential and that nothing in or on the declaration page said otherwise and that everything was still covered. I have been going back and forth with different employees of the Bank of America. Every time I talk to one of them they come up with a different explanation for why this duplicate insurance on my property has been force placed. It is a single property with several buildings that I bought in XXXX. It has been taxed and insured as a single property since then. A permitted shed was added in XXXX and both insurance companies ( XXXX XXXX for hazard/wind and XXXX for flood ) were notified with no problem. The same insurance remains in place since before the HELOC was initiated in XXXX. 

The property is not two separate properties. They are attached by structure, utilities and a single septic tank. I rent part of my property for vacationers and must keep a separate address for the county so they can get mail and so I can pay tax on the rent. but no structures have been added. The same loan with the same provisions has remained in place, but I now have force placed, extremely expensive, DUPLICATE flood insurance policy on my property. Please note, THERE HAS BEEN NO PROBLEM WITH THE PRIMARY MORTGAGOR OR WITH THE HAZARD/WIND POLICY on the same property. 
This duplicate insurance fee needs to be removed back to XXXX/XXXX/XXXX but I can not get relief from the many Bank of America representatives I have talked to over the last several months.,
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED: 
*XX/XX/2023    XXXX XXXX XXXX XXXX XXXX XXXX XXXX
*XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid the account off as of XX/XX/year> and the closed the account as if XX/XX/XXXX. I then received an alert that my account was 30 day delinquent from the credit bureau. I called citibank and they sent me a letter confirming closure of the account as of XX/XX/year> but that the credit update was correct however the 60 day delinquent was removed for XX/XX/year>. Then XX/XX/year> I received another alert again I called and they assured me the information was correct but my credit report again was cleared as the account was closed. The 30 day delinquent showed for XXXX only then it was showing closed and in good standing closed. Now XX/XX/year> I received another alert again reporting that the account is 60 days delinquent for XXXX. XXXX shows 30 days delinquent, XXXX and XX/XX/year> show in good standing but XX/XX/year> has a 60 day delinquent and they are attesting the information is correct although I have a letter showing the account has been closed effective XX/XX/year>. This is dramatically affecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Since XXXX, I have attempted to make my student loan payments to Aidvantage online. Every time, I get an email confirmation that the payment was successful, and a few days later another one that the payment has posted. A XXXX  or so will go by before I get a notice that my payment was rejected because my bank account could not be found. I called and was told it was my bank rejecting their attempts to withdraw the payment, I asked for documentation to provide to my bank and they would not give me anything. I have no issue paying every single other bill I have with my bank account online. I had to purchase checks to be able to make my student loan payment, and those were just stolen. Even making a payment over the phone doesnt work.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed a fraudulent account with reporting a false incorrect social security number tied to this account on my Equifax credit file. The discovery was made that the Debt Collection Company named XXXX XXXX XXXX, Original Creditor XXXX XXXX has used the name on my credit file to falsely and fraudulently place the said account with a fraudulent social security number that does not identify me. Equifax Dispute result claims the information is correct even though it is obvious the social security number XXXX  XXXX XXXX has provide to Equifax does not match that of my true identifying social security number. Equifax has failed to properly address my concerns regarding the identity theft and I feel my dispute was never investigated. I have filled an Identity Theft Report with the FTC and have included the copy of my Identity Theft Report and all supporting documents required stated in the report from the FTC.
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. has violated my rights. Or 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, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 

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  According to FCRA Section 605B ( a ), The Credit reporting Agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XX/XX/year>
Product: Debt collection

This has to do with a XXXX XXXX Credit card that was paid over 10 years ago when after it was with a different collection agency, and they are trying to collect after the legal time allowed. There are many complaints on this company. I called them and told them to stop contacting me and they said they would not. Portfolio Recovery Associates needs to stop this behaivor
Product: Credit reporting or other personal consumer reports

I wrote a formal dispute letter multitude of time came back verified, I have faxed ID LETTERS EMAILS, Equifax wont complywith deletion of said accounts.. they have made my life a homeless one, EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Under 15 U.S.C. 1692 ( c ) Incorrect Reporting of Accounts Dear XXXX, I am writing to formally dispute the inaccurate information listed on my XXXX credit report under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692 ( c ). The following accounts on my credit report are either inaccurately reported or do not belong to me : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX mn XXXX XXXX #. XXXX XXXX support enforcement XXXX XXXX XXXX XXXX. 
XXXX Fl XXXX XXXX # XXXX XXXX XXXX / First Premier XXXX XXXX XXXX XXXX. 
XXXX XXXX, SD XXXX XXXX ) XXXX # XXXX. 
XXXX ) XXXX # XXXX LEAD BANK XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX #. XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX # XXXX As per the FDCPA, I am requesting that you verify the accuracy of these accounts immediately. If any of these accounts can not be verified, I request that they be promptly removed from my credit report. 

Please send me a written statement confirming that these disputed accounts have been removed or corrected on my credit report. I also request that you provide me with a free copy of my updated credit report once the corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX period as required by law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Capital One and XXXX both have written off alleged debt on my credit report. Both was asked to provide me with a 1099C as required by law. Its been over 90 days and neither company have responded to my request in XXXX of 2024. Because of their neglect I am asking both accounts be removed from my credit report. 

Please be advised that XXXX XXXX XXXX, nor can Capital One can not charge off or write off a debt on my credit report and still report a balance on my report, where it says Closed {$20000.00} written off for upstart, and written off {$3500.00} for Capital One. The balance owed must be removed immediately. And 15 U.S. Code 1635, and 15 U.S. Code 1629g says you must delete the charge off from Upstart and Capital One because its a confirmed charged off.

In addition, please have removed all late payments from my credit report from XXXX XXXX XXXX, and Capital One because they are inaccurately reporting on my credit report, and because of the following laws which validates you must remove them immediately with we have these inaccuracies. 
15 U.S.C.1681i, 15 U.S.C . 1666 and 15 U.S.C.1681s-2 ( a )
Product: Debt collection

Portfolio Recovery Associates did no provide me with a notice. By not providing a notice they did not allow me 30 days to verify the debt. The notice was not sent to my address.