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

I spoke with XXXX today at XXXX XXXX letting her know that i received a letter from Transunion XXXX XX/XX/2022 stating " we received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. '' That was their response to my letter of dispute sent to them on XX/XX/2022. They did not do a proper investigation into my claim that they should remove accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit file due to them furnishing information onto my credit file with no permissible purpose according 15 USC 1681b stating that they have to obtain written instructions from the consumer to whom it relate. They have no such written instructions and can not produce it. I also have attached a letter from XXXX XXXX that states they have honored my opt out of sharing my personal information to external companies, which includes all Consumer Reporting Agencies. Transunion needs to remove all of these accounts immediately.
Product: Prepaid card

On XX/XX/XXXX, {$700.00} in unemployment benefit payments were deposited onto my U.S. Bank XXXX U.S. Bancorp ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I attempted to use the card on XX/XX/XXXX and XX/XX/XXXX. All transactions were declined. 

I called customer service on XX/XX/XXXX and was told that due to lack of use, the account had fallen into the negative and was deactivated because of a balance of XXXX  Yes, XXXX XXXX I never received any communication from U.S. Bank that the account was deactivated or going to be deactivated or that it had a low or negative balance. 

I was told by the customer service agent at U.S. Bank that I will be unable to access my unemployment payments and funds until 90 days of maintaining a positive balance have passed. 

I was also told this policy can be found in the cardholder agreement. It is not. 

I am being blocked from accessing my NC unemployment benefit funds, this can't be legal and seems to be a continuation of the violations U.S. Bank has previously been fined for by the CFPB.
Product: Credit card or prepaid card

Chase bank reduced my credit limit for no reason even though they knew I was in the middle of my travels. Now my job, my health, my livelihood- all is on the line. They did this as a discriminatory / retaliatory action as a result of my XXXX  ancestry, which they should not be basing their financial decisions based on. There was no reason for the reduction of the credit limit.
Product: Student loan

I have contacted Navient by mail in XXXX 2017 and again in XXXX 2017 requesting written documentation to be mailed to me regarding my loan. Both times I sent the correspondence to two different locations via certified mail ( I have copies of the letters and the certified mail reciepts ) Both instances the letters were ignored by Navient., although i requested that they respond within 30 days. Navient however sent me and continue to send me multiple emails. I finally responded by telling them that they have not replied to my letters that i have sent to them. I then attached one of the letters that I sent to the email. There response was that they can not discuss matters via the internet. They then sent me a letter saying that I needed to pay my bill, but never responded to the letter. Please note. that was the first letter they sent to the house. They are now sending me letters threatening default, but when I requested the information about my loan, ( due to them in the past not providing me with accurate information ) in XX/XX/XXXXand XX/XX/XXXX they refused to send me what I asked for? Do they not have it? They also are now sending reports to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violation giving off fulse information on credit report that are not accurate i paid for all 3 on all 3 company and only one even close is XXXX
Product: Credit reporting or other personal consumer reports

I disputed my name and birthdate with the big XXXX CRAs, they havent updated my name or marked it as disputed.
Product: Credit reporting or other personal consumer reports

Hey, I was wondering if you could help me make a dispute letter for negligence and civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX criminal court citations on my background that is showing up only through TransUnion. I have no recollection of these incidents nor are they on any of my public records that I have obtained since being made aware of these false allegations. My name is also misspelled on XXXX of these citations. 

TransUnion is denying my claim to investigate these allegations because they claim I am not on the account. How can I not be on the account when it is showing up on my background check? I have been refused employment due to these false accusations that are unwarranted and can not be confirmed thru my own investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several requests to XXXX, XXXX  and Equifax regarding duplicate and old information listed in my credit report and have not received any corrections to my credit report. I sent these notices back in XX/XX/XXXX, a second request XX/XX/XXXX and a third one XX/XX/XXXX. It has been several months and I haven't heard anything. I'm not really sure what else I can do so I am submitting this complaint to have the credit agencies remove the duplicate student loans, old collections and late payments from my credit report.
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you kindly review the paperwork? Several of the enumerated accounts contain inaccuracies, causing me discomfort.
Product: Debt collection

I've tried disputing the collection accounts against me and have supplied proof of where I was at the time these services were allegedly rendered. It's hard to be at a hospital while serving a XXXX  year prison sentence. And I've sent this information into the collection companies and the company who started the collections and since identity theft applied my personal information was breached and taken during the XXXX data breach!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I filed a dispute with XXXX, XXXX, and XXXX  in regards to my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Mortgage

To Whom It May Concern : I am writing this complaint to inform you about the descrepancies that occurred to my mortgage account which in turn has created a major negative effect to my credit report. On XX/XX/XXXX i called in and spoke with a customer service representative by the name of XXXX. She in turn was able to help by correcting and waiving all late fees that were assessed to my account due to the error. She also notified me that my account was fully paid and up to date. and Lastly she supplied me with this email to contact someone to look into this matter to have my payment status reported correctly and remove the 30 day late payment from my credit report. I am requesting to have the 30 day late payment removed from my credit report due to the issues that occurred to my account that were not of my control. 
For the past three months, my account has not been properly deducting my payments from my checking account at Whitney Hancock Bank and processing the ACH payments. Each of the last three months I have deposited the funds for my mortgage into my checking account as usual and came to find out that no ACHs were occurring to deduct the funds from my account. The funds accumulated up to {$3500.00} before i received an alert on my credit report that my mortgage had not been paid. 
When i purchased my home back in XXXX of XXXX, I signed an ACH payment letter stating that my checking account would be automatically deducted from in order to pay my mortgage payments. For the last 20 months, I have not had any missed payments. I take my credit and bill paying seriously and make sure all of my bills are paid monthly without missing any payments. Ive worked extremely hard to get my score above XXXX and would appreciate the help in restoring my credit back to what it was prior to this banking/computer error that has occurred.
Product: Credit card or prepaid card

I connected with a person on XXXX and agreed on paying for seats for 3 round-trips on a bus for a 3-day event in XXXX XXXX. I paid half as a deposit and then the remaining half on the first day of the event. Despite paying for SEATS, the bus overbooked and my wife had to sit on someone's lap for the long trip both on the trip there and on the trip back. Others had to lay on the floor and on eachother. It was super dangerous in the case of a crash not to mention very uncomfortable. My wife asked for a refund and used XXXX 's services instead on day 2 and 3. The bus service refused to refund, claiming a no-refund policy which was never mentioned in any of their material on XXXX. It was mentioned in their website but my wife found them on XXXX, talked to them on XXXX, received the invoice and paid it before we even learned of their website. At no point did we agree to those terms. 

I disputed the payment and Apple card decided in my favor for the deposit of {$270.00}, but not for the other half ( an additional {$270.00} ). I don't understand that. Either you agree that the service was not rendered, or you don't. How is it half in my favor and half against? 

Even more frustrating, this process has been ongoing for nearly 4 months now with essentially zero communication other than to tell me my dispute was not resolved in my favor. I went online only to find that they were even under investigation for this exact behavior. After trying to file a complaint with consumer finance, my complaint got closed with a message that says that my earlier complaints were processed. What earlier complaints? This was my first ever complaint.
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  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Debt collection

XX/XX/year> LVNV Funding reporting incorrect information XXXX my credit report
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 ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account # XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
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: Consumer Loan

XXXX XXXX LEASED VEHICLE WITH WELLS FARGO BANK 60 MONTH LEASE WITH PAYMENT HISTORY CURRENT THROUGH XXXX XXXX XXXX XXXX VEHICLE TOTALLED IN ACCIDENT DURING XXXX INSURANCE PAID REMAINING BALANCE ON LEASE IN FULL XXXX XXXX XXXX, WELLS FARGO REPORTED TO ALL XXXX CREDIT REPORTING AGENCIES THAT MY LEASE AMOUNT OF {$25000.00} THAT ORIGINATED IN XXXX XXXX WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY FILED IN XXXX XXXX, DISCHARGED IN XXXX XXXX. 
THIS INACCURATE REPORT HAS CAUSED FINANCIAL HARDSHIP TO THE EXTREME THAT I HAD TO PAY EXHORBITANT INTEREST AND FEES ON LOANS, IN ADDITION, I AM NOW WITHOUT A VEHICLE DUE TO THE REPORTS CAUSING ME NOT TO QUALIFY FOR AN AUTO LOAN ANYWHERE IN THE UNITED STATES. I HAVE DISPUTED THE ERRORS NUMEROUS TIMES WITH ALL XXXX CREDIT AGENCIES WITH XXXX RESULTS OF REMOVING THE ERRROR REPORTED BY WELLS FARGO. INSTEAD, WELLS FARGO CONTINUES TO UPDATE THE PAID IN FULL LEASE ACCOUNT FROM XXXX AS DEROGATORY.
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 XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 : {$2300.00} ; XXXX XXXX  XXXX XXXX .... Balance : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to XXXX, XXXX, Equifax. They claim they verified all information with furnisher who is XXXX XXXX. I call about complaint because CFPB said they needed more information. Called XXXX the person on the phone couldn't find any info on complaint as per XXXX,. I gave them this number and they pretended to not know what i was talking about.
Product: Debt collection

Discover Bank sent me a letter dated XX/XX/20 indicating they had received my dispute and was investigating and would inform me of their findings subsequent to investigation. They informed me they had informed XXXX XXXX of dispute. 

XXXX XXXX informed me they were told on XX/XX/20 that disputed account was correct. Dispute was closed. 

I have no idea if the investigation is closed ; I have not been notified of their findings if it is. Hoping CFPB will contact Discover to see if investigation is closed. Have asked Discover but receive no response.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX, XXXX Authorized Representative for XXXX XXXX TODAY Date : XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character.. 
Dear Sir or Madam I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. agency EXPERIAN sent a letter stating that EXPERIAN had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

Below are the items that do not belong to me that you continue to report erroneously.

1. Account name : XXXX XXXX XXXX, Account number : XXXX Chargeoff, Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 
Thank you, These listed Violations are based on breach of fiduciary duties XXXX XXXX XXXX, XXXX, THE XXXX XXXX XXXX, FTC XXXX and XXXX Act Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o
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. 

XXXX XXXX XXXX : XXXXXXXX XXXX  XXXX : XXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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

I have been unable to obtain my weekly credit report online using annual credit report .com from transunion. It only allows me to get it via paper or mail and this has been going on about 8 months. Because of them, since they are listed on annual report .con before XXXX , I also dont get to see my XXXX report for free because it is listed after transunion and the system freezes up on transunion because they arent releasing my free and easy credit report as they should.
Product: Debt collection

I received a phone call on my cell phone from  XXXX  at   XXXX   XXXX    on  XX/XX/2017 . They stated I had a debt and they were having me served for non payment. They said if I got served at home I needed to present them with 2 pieces of id, but if they served me at my job they would make my supervisor and make them aware of what I owe. The left the number   XXXX   XXXX   file #  XXXX . When I called back the person hung up when I asked name of company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Failed Account Investigation Violations of 15 U.S.C. 1681s-2, 15 U.S.C. 1681i, 15 U.S.C. 1637 ( b ), 15 U.S.C. 1666b, and TILA ( Truth in Lending Act ) Dear CFPB Representatives, I hope this letter finds you well. I am writing to **file a formal complaint** regarding the investigation of an account that has been incorrectly reported on my credit report. Below is the information needed to identify the account : - Creditor Name : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX - Date of Late Payment : XXXX I received a notification stating that the account in question had been " verified. '' However, this response did not adequately address the concerns raised in my original request and failed to comply with the legal requirements. 

I am submitting this complaint because I believe the investigation was insufficient and constitutes a violation of the following legal provisions : 1. **15 U.S.C. 1681s-2** : This law requires information providers to correct or remove inaccurate or incomplete information when notified of a valid dispute. In this case, the information remains incorrect, which constitutes a violation.

2. **15 U.S.C. 1681i** : Refers to the requirement that credit reporting agencies conduct a reasonable investigation when a consumer disputes information. The investigation performed does not seem to meet this standard.

3. **15 U.S.C. 1637 ( b ) ** : Under the **Truth in Lending Act ( TILA ) **, credit card issuers and creditors are required to provide clear and accurate statements to consumers. I have not received any documentation that meets this requirement regarding the disputed charges.

4. **15 U.S.C. 1666b** : Requires the creditor to provide an account statement reflecting any disputed charges within a reasonable time frame. To date, this has not occurred.

5. **Truth in Lending Act ( TILA ) ** : Under TILA, creditors are required to provide clear and understandable terms and conditions, including details about charges on accounts. The creditor has failed to meet this requirement, hindering my ability to understand the terms of the account and the associated charges.