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

In accordance with the Fair Credit Reporting Act, specifically 15 USC 1681 Section 602 ( a ), it is emphasized that consumer reporting agencies, including TransUnion, must carry out their significant responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As the consumer in question, I assert my right to ensure that my private information is not shared, supported by 15 USC 6801. This section states the Congress 's policy, affirming the obligation of each financial institution to respect customer privacy and uphold the security and confidentiality of nonpublic personal information. The term " ( Furnisher of information to credit agencies ) '' qualifies as a financial institution under this title.

Referring to 15 USC 1681 Section 604 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report only under specific circumstances, particularly in accordance with the written instructions of the consumer to whom it pertains. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and XXXX, lack my consent to furnish this information, and they do not possess my written consent. I hereby revoke any and all consent to XXXX, XXXX, and the Furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied, or otherwise. 

As per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how to exercise the nondisclosure option. The Furnisher of information to credit agencies never informed me of my right to exercise this option. Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly states that no consumer reporting agency may include any adverse item of information in a consumer report without proper authorization, except for records of convictions of crimes that occurred more than seven years before the report. Reporting this account as an adverse item without my permission is a violation of the law.

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e mandates that every consumer reporting agency maintains reasonable procedures to prevent violations and restricts the furnishing of consumer reports to specific purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 

Furthermore, as outlined in 12 CFR 1016.7, a consumer retains the right to opt out at any time. Accordingly, I am choosing to opt out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently wrote a letter to all three credit bureaus inquiring about bankruptcy on my reports, ask them to verify that those were mind. My id we're stolen years ago and that information needs to be corrected and removed from my credit profile ; TransUnion has failed to verify that it was me, there negative info came from a third. The does not report to any bureau it is a violation of the rules please help me with all of the agency.
Product: Mortgage

In XXXX XXXX XXXX we purchased a home. It consisted of two mortgages being serviced by Countrywide Home Loans Inc ; they designated [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX as nominee for their successors and assigns. Countrywide Home Loans Inc ended up being involved in a lot of deceitful and unethical practices ; as a matter of fact, because we were young and for the most part, clueless about the financial aspect of home ownership, my wife and I were goaded into having two mortgages on the property. The loan agents also assured us that having two mortgages was a temporary solution and we would be able to refinance both mortgages into one mortgage within a couple of years of maintaining the mortgage. 
In XXXX XXXX XXXX we sold that home. The day before settlement we were alerted by a real estate agent via the title company XXXX XXXX XXXX XXXX that there was an open mortgage on the title. As it turns out Countrywide Home Loans Inc never assigned the second mortgage to any other entity even though the first mortgage was assigned numerous times. 
So either they neglected to assign the second mortgage over due to all their unscrupulous and deceptive practices or they wrote it off as a means of their incarceration agreement and neglected to issue a clearance of it.
Product: Credit reporting or other personal consumer reports

First of all im a man that works XXXX XXXX theres an account for XXXXXXXX XXXXthat is reporting on my credit. i have never a day in my life been to XXXX and and company this account is fraudlent and im asking for it to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies in my ChexSystems report. After carefully reviewing the report, I have identied the following errors that require correction : Incorrect Account Information : XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$470.00} Date of Closure : XX/XX/XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$3000.00} Date of Closure : XX/XX/XXXX Explanation : The accounts listed above do not belong to me. The inclusion of these accounts appears to be a result of mistaken identity or a data entry error. I respectfully request that you remove these accounts from my ChexSystems report immediately. 
Outdated Information : XXXX XXXX XXXXXXXX Account XXXX : XXXX Date of Closure : XX/XX/XXXX Explanation : Although this account was closed on the listed date, my ChexSystems report incorrectly shows that it is still open. I request that the status of this account be updated to reect its accurate closure. 
Incorrect Negative Event : XXXX XXXX XXXXXXXX Account XXXX : XXXX Date of Closure : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$470.00} Date of Closure : XX/XX/XXXX Explanation : The negative events associated with the accounts above are incorrect and do not pertain to me or any accounts associated with my name. These entries appear to be the result of a clerical error or mistaken identity. I request that these erroneous negative events be immediately removed from my ChexSystems report. 
Enclosed with this letter, you will nd supporting documentation for my dispute. 
My Identifying Information : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number ( last XXXX digits ) : XXXX ChexSystems Report Request Reference Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Phone Number : XXXX I kindly request that you investigate these discrepancies promptly and ensure that the affected accounts are blocked and deleted from your records, as required by law. Additionally, I would appreciate written conrmation once these corrections have been made. 
Should you require any further information or documentation to assist in processing my dispute, please feel free to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account was disputed and taken off my credit report due to the fact that it was fraudulent. XXXX sold the account after it was deleted in XXXX to XXXX XXXX and I am requesting that it is deleted permanently from the credit report and not to appear again. There are also inquiries the were not initiated by me that are stated in the police and the FTC report that needs to be removed. It has been well over 5 days and yet the negative and erroneous information is still reporting this has caused me to be denied credit as well as impact my way of living. I am requesting that the bureaus follow the FCRA law 605B and remove these items listed immediately otherwise I will seek litigation. Thank you!
Product: Credit reporting or other personal consumer reports

I previously filed a dispute with Transunion. After resubmitting several requests for dispute, it was resolved. Today, Thursday, XX/XX/2024, I contacted Transunion to send an updated report to a creditor who has received my report in the last six months per the information stated in the Investigation Result report. The specific language in the investigation result report states : - If there has been a change to your credit report as a result of our investigation, or if you have added a statement to your report, you may ask TransUnion to send an updated credit report to those who have received your report within the last 2 years for employment purposes or within the last 6 months ( or 1 year, where applicable ) for any other purpose. ( pg 5 of the attached documentation ) I was given several instances of misinformation as follows : 1. I was told Transunion only provides disputes results by mail, but mine were delivered via email. 
2. I was told I must send my request and send my own credit report to the companies whom requested it. 
3. I was told they can not see the language in the investigation result report. 
4. I was told the above statement is not in the investigation report. 
5. I asked for a supervisor and was told that there is not a supervisor I could speak to. 

I am beyond disappointed in Transunions response each time I have contacted this company for assistance. Their employees lack of knowledge and failure to understand is infuriating and violates my rights as a consumer. This company should be investigated to ensure they are accurately investigating and responding to customer inquiries and investigations as stated by law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Acct # XXXX ) To Whom It May Concern, I am writing to formally dispute the account referenced above as it appears on my credit report. The information being reported regarding this account is inaccurate and unauthorized. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting that this account be thoroughly investigated and removed from my credit report immediately. 

The account information is erroneous and potentially fraudulent. I have no knowledge of any authorization or legitimate basis for this account to be reported under my credit file. Additionally, I would like to highlight that Equifax has previously been involved in significant settlements regarding the misreporting of credit information and data breaches. Specifically, the {$570.00} XXXX settlement due to a data breach and incorrect reporting underscores the importance of accurate and responsible handling of consumer data. 

Under the FCRA, I have the right to request verification and validation of any disputed account. I ask that you provide the following : Documentation verifying the legitimacy of this account. 
Any proof that this account was authorized by me. 
If you can not validate this account as accurate and legitimate, I respectfully request its immediate removal from my credit report and written confirmation of the same. 

Please consider this letter as my formal dispute and respond within the 48-hour timeframe as stipulated under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the resolution of this dispute.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I put in a request for disputing unverified accounts and Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The customer financial protection bureau has recently filed a lawsuit against Experian, alleging systematic issues, such as failing to forward customer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite me asking for a report on unverified accounts, causing ongoing harm to my credit standing. They also failed to send me letters explaining why they didnt remove unverified accounts.I am requesting immediate correction action to remove or amend the dispute accounts as Experians inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I was contacted by a man 's niece through the XXXX pet-watching app. She was requesting pet-watching services for her uncle that was moving to XXXX. She provided me with his phone number, and he contacted me, first appearing legit. However, soon after he sent me a check through the mail to use for purchasing supplies for his cat, and to pay me for my first week of work. Upon depositing the check, he then asked me to send the money back to a " personal shopper '' because he wanted to use that service instead to obtain the supplies. I fell for it and sent {$500.00} dollars via Zelle on the XXXX app to a Zelle account registered to XXXX, phone number XXXX, and email : XXXX. Unfortunately, my bank informed me that there is no way that I can obtain my money back since I technically authorized the payment through Zelle. I have been in contact with my Bank, and they reassured me that I don't need to take further action.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX account # XXXX opened XX/XX/XXXX. 

XXXX XXXX account # XXXX opened XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against LVNV Funding because they failed to provide adequate proof of an account they are reporting on my credit report. I have mailed multiple letters requesting detailed documentation to LVNV on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite these efforts, LVNV has not provided sufficient proof of the debt or responded with the requested information. 

Specifically, I have repeatedly asked LVNV for : -A copy of the original contract, as I need to understand the terms of the alleged debt. 
-A copy of the purchase agreement to confirm that LVNV actually owns this debt, as I have reason to believe they do not. 
-The last account statement showing a XXXX balance and all statements leading up to the claimed amount of {$750.00}, so I can see how the charges were calculated. 

Instead of receiving the requested documentation, I have only received responses from Resurgent Capital Services, which claims to be collecting on behalf of LVNV Funding. These responses, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all state the same information : that the original creditor is XXXX XXXX Bank, and LVNV Funding is the current owner. The only " documentation '' provided is an " Account Summary Report, '' which is essentially a computer printout from Resurgent Capital Services and specifically states : It is not a credit card or other account statement from the original creditor. '' LVNV Funding has failed to provide proof that I owe this debt, that they own it, and how they calculated the amount they claim I owe. After more than sufficient time and numerous requests, they still have not supplied the necessary documentation to validate this debt.
Product: Credit reporting or other personal consumer reports

I see unauthorized inquiries on my report and also accounts that been open in my name that i never had or applied or authorized anyone to had, these are fraudulent : Hard Inquires XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CAPITAL ONE BANK USA XXXX XXXX, XXXX Collects Accounts unauthorized XXXX XXXX XXXX XXXX. 
Opened XXXX {$470.00} XXXX XXXX Opened XXXX {$160.00} XXXX XXXX XXXX Opened XXXX {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention! My information is being XXXX due to your inability to be impartial
Product: Credit reporting or other personal consumer reports

XXXX has been reporting consumer transactions improperly. 15USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) clearly states that transactions between the consumer and the Person/Corporation making the report are NOT included on the consumer reports. XXXX continues to report this information. The reporting of excluded information pursuant to 15USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) on a Consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a Consumer Reporting Agency. I need the the transactions reporting as late, Collection/Charge Off status and any other derogatory information deleted from my Consumer reports effective immediately. Before you assume to reply that this account has been " Validated '', let 's be transparent that I am not asking you to validate or verify anything. So please do not respond with that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX & the creditors reporting Collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26USC ss 6050p Returns relating to the cancellation of indebtedness by certain entities. If this derogatory information is not deleted from my consumer report within 15 days I will be compelled to officially file IRS 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against all entities involved.
Product: Credit card

I owed XXXX to American Express. On XX/XX/2015 I wired XXXX to settle the account. the law firm accepted the settlement and forwarded the funds to American Express. The payment posted and a few days later Amex sent me a bill for XXXX due XX/XX/2015. Their online system still reports that I currently owe them XXXX and that amount is reporting to all XXXX credit bureaus. I have disputed with all three and Amex confirmed to them I still owe the money. I have called Amex multiple times and every time a get a different answer. They said the account has been settled but their system wont show it for 60 days? Am I going to get a late payment reported to my credit report on XX/XX/XXXX? How come I was sent a bill and why is it reporting to the credit bureau incorrectly? I have a job renewal that requires a credit report and I was told to have this account settled, which i did, but can not prove it. The letter from the attorney XXXX office is not complying with what Amex is telling the credit bureau when i dispute it? this is a huge problem for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am closing on a house in FIVE DAYS. AND EVERYTHING IS GOOD EXCEPT FOR THE FACT THAT EXPERIAN, THE ONLY ACCOUNT THAT REPORTS THAT I HAVE FORCLOSURE IN 2019 AND IS BEING REPORTED AS SO. EVEN THOUGH I HAVE SOLD THE HOUSE ON XX/XX/XXXX, XXXX XXXX XXXX. IT HAS BEEN 4 YEARS SINCE I HAVE MOVED OUTOF THIS HOUSE AND SOLD IT BUT IS NOW BEING REPORTED A YEAR AFTER I SOLD IT AS A FORECLURE. THIS IS VERY MUCH HINDERING MY ATTEMPT TO PURCHASE A HOME AND LIVE A NORMAL LIFE. I have tried calling every single number associated with EXPERIAN and nobody is reaching back. I need this taken off my credit immediately or else I will take serious legal action
Product: Debt collection

My father recieved a letter from CONVERGENT OUTSOURCING, claiming that {$410.00}. The name on the letter is my last name, but not my first name. I checked my XXXX account and it says my balance is XXXX. I even added {$50.00} to the account to see if it would take it, and now my balance is {$50.00}. This is not my debt and I do n't know what recourse i should take.
Product: Debt collection

opened XX/XX/2023 amount is XXXX Im Unaware of this debt that was placed on my transunion credit report this information was dispute/closed and diversified adjustment services proceeded to then placed another debt collections on my credit file when this information is in fact fraud. If in fact you believe you gave me proper notification then please send me the certified receipt with my signature on it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under The Electronic Fund Transfer Act ( EFTA ) and Regulation E. The actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/year>, I had a phone call come in and was answered with an automated message stating my name, the last 4 of my SSN, that my wages at my employer were going to be garnished for debt that I owed to " XXXX XXXX. '' I've never done business with a company by this name. I held the line and a man came on and demanded I say that I was ( my name ) or he couldn't tell me anything. I commented that if he called me then he should know who I am. But, finally I agreed. He asked for my DOB and I gave it. He said that I'd gotten a check cashed at this place and that I'd never paid it off. I argued that it was fraud because I hadn't done business there. He hung up on me. 
I called back and spoke to a woman who answered the phone as XXXX, XXXX and Associates, who said she would send documentation to my email she had on file. I received the unprofessional letter from a XXXX but it contained no detail, referenced " XXXX XXXX XXXX '' and had no proof of contract. She said those documents were with the lawyers to which I responded that with all the digital capabilities it was ludicrous that she wouldn't have a copy of the contract. She said that they would proceed with taking me to court and that I could pay the debt many times over. I asked when it was incurred, and she said 7 years prior. I asked why this was the first time calling me in 7 years? She mentioned XXXX old addresses for me and I told her I didn't live there. I told her if it was my debt, that I would pay it, but that I would need to see the original contract. She said that was fine and that I should make better decisions and hung up on me.
Product: Credit reporting or other personal consumer reports

This is a second notice to XXXX experian, XXXX and XXXX That are Fraudulently Holding non public Accounts on my credit Report without ever disclosing the opt of transaction history and experiences Being reported on my report is excluded from a consumer report Accounts like XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Which is a medical collection and Fraudulently reported as medical information is prohibited from reporting on your consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX All accounts above are by law illegal via 15 us code 1681a ( i ) as they they report my transaction history and experiences with creditors I have opted out of XXXX, XXXX  and experian  From Disclosing and sharing my non public information on my consumer report And if these fraudulent acts keep up I will put XXXX  under a default judgement And escalate case to to arbitration