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

To Whom It May Concern, I am writing to file a formal complaint against TRANSUNION for their failure to remove fraudulent accounts from my credit report as required by law. 
I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following account remain on my credit report : XXXX. XXXX XXXX XXXX - ACCOUNT NUMBERXXXX DateOpened:XXXX Date Report : XX/XX/year>. 

15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation.

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter.

Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX
Product: Mortgage

These people were my pastors and when they got kicked out of the home they were renting and I told them to come and move in with me until they find another home to go to. They did move in and asked me to sign some papers saying it will help the pastors wife to build credit. Since I trusted I signed believing I was helping the family and did not question what it was due to our trust. It turns out that the document I signed was a quit-claim deed removing my name the title of my home. My name is still currently on the loan. One day, the pastor told me the house is not mine that I needed to leave my own home. He called his friend, a police officer, to tell me that the property is the pastors and I was escorted from my own property. The officer did not file any report that was given to me. On XXXX of XXXX I checked my credit and I saw they were not doing any payments for 8 months and I called the mortgage company and they told me the loan modification was approved. I had no part in the loan modification. I did not submit any loan documents and never signed anything. I asked for the copys of the papers that were submitted and they said it was there were no documents submitted, everything was done through a phone call. To obtain the recording, I was told that I need an attorney to request it. They impersonated me to do the loan modification.
Product: Debt collection

I, the consumer, XXXX XXXX have been violated by CAPITAL ONE pursuant to Fair Debt Collection Practice Act. CAPITAL ONE has violated XXXX XXXX XXXX by not providing the required items, they have violated XXXX XXXX XXXX by receiving my Cease and Desist and still contacted me about this alleged Debt. 

Reference : Capital One Case : XXXX & CFPB Case : XXXX. 

Please refer to the attached documents for my documents, proof, and demand that was received my CAPITAL ONE on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I am writing again to formally dispute the reporting of a debt listed on my credit report, associated with the account number XXXX. This collection account is inaccurately reported, and I urge immediate action on this matter. Details of the Disputed Item : Account Number : XXXX Amount : {$130.00} Date Assigned : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Nature of the Inaccuracy : I previously disputed this account under different name and collection agency with your bureau in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and it was removed every time. The evidence confirming the delivery of these communications has been attached. Despite this, the account reappeared on my credit report under another collection agency. Moreover, this collection account has been successfully removed from my reports by both XXXX and XXXX following my disputes previously and this time is not even existed in other major bureau. I have enclosed their responses for your reference. Enclosures for Your Reference : 1. Copies of correspondence from XXXX and XXXX confirming the removal of the collection. 2. Copy of my previous dispute letter to Equifax and evidence of its delivery. Legal Obligations : According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes and respond within 30 days of receiving them. However, I have yet to receive any verification or documentation from Equifax regarding this matter. Request : Given the circumstances and the significant impact this erroneous account has on my credit standing, I request its immediate removal from my Equifax credit report. Please respond promptly within the statutory period of 30 days as required by the FCRA. I appreciate your prompt attention to this urgent matter and look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account No. XXXX Balance : {$1400.00} - The date open did not change. I have disputed this on XX/XX/XXXX with the credit bureaus or credit reporting agencies but up to this day, they are still reporting the date open inconsistently. 



Account Name : XXXX XXXXXXXX XXXX Account No. XXXX Balance : {$990.00} - The credit bureaus are still reporting this account inconsistently. The only credit bureau that has provided information for the date of last payment is XXXX and it's on XX/XX/XXXX. I see that the other two national credit bureaus have not provided this information on my credit report. There is no possible way that they verified this account as they have falsely claimed as per the FCRA. 



Account Name : XXXX XXXX Account No. XXXX Balance : {$1200.00} The account status is still the same. XXXX is still reporting this account as " Open '' while the other two bureaus are reporting this as " Closed ''. I'm on my fifth letter with the credit bureaus and they still couldn't get this right. Is this account verified through different furnishers? 


This is a formal complaint against XXXX, Equifax, and XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2023 XXXX XXXXXXXX XXXX/XXXX/2023 XXXX  XXXX/XXXX/2023 XXXX  XX/XX/scrub>/2023 XXXX XXXX XX/XX/year>2023 XXXX XXXX/XXXX/2023 XXXX XXXX/XXXX/2023
Product: Mortgage

Misleading and Deceptive Advertising. 
Ad has appeared many times in my XXXX XXXX XXXX as recently as XX/XX/2021. 
Ad says No Origination Fee No Appraisal Fee No Counseling Fee Let Me Show you How XXXX XXXX XXXX XXXX NMLS # XXXX Loanatik # XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE XXXX XX/XX/XXXX Account Name : Chapter XXXX Bankruptcy XXXX XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have a credit card with COMENITYXXXX XXXX and paid my balance off in XXXX of {$99.00}. When I received my XXXX statement, I had a service charge of {$2.00} that I thought was an error, so I ignored it. I bought a shirt and when I received my XXXX statement, I was charged an additional {$2.00} and a late fee of {$2.00} with the {$2.00} fee from XXXX. I was never informed that COMENITY XXXX XXXX XXXX was going to start charging a service fee for use of their credit card.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I initiated an " ACH Push '' into my " TransferWise Borderless Account '' from my XXXX XXXX XXXX XXXX checking account in the amount of {$1000.00}. The transaction ID is # XXXX. Soon thereafter Transferwise closed my account, and after going through their KYC  and appeals process, including sending photos of State identification and selfies holding such identification, I was informed on XX/XX/2020 that my appeal was denied and the account would remain closed. It is now XX/XX/XXXX, and the {$1000.00} has still not been returned either via ACH or escheat to Florida, or check to my residence address, or any other way. I have sent numerous email requesting account statements and further information regarding the {$1000.00} held by Transferwise , INC., a Delaware corporation, and have received no information. Their Customer agreement states, with heading : " Borderless Account Statements and Requesting Account Records in Writing, '' that a customer has " the right to receive an account statement showing your Borderless Account activity, '' this has not been provided. Their customer agreement also states the following : " If we close your TransferWise Account or terminate your use of the Services for any reason, well provide you with notice of our actions and make any unrestricted prepaid money held in your Borderless Account available for withdrawal. '' This " prepaid money '' had not been made available. I received a correspondence from Transferiwse Customer Service today with the following message : " We are currently conducting an additional due diligence check on your TransferWise account which takes approximately 60 days. Once this standard procedure is complete we will be in a position to give you a clear response regarding the funds on your account after XXXX XX/XX/2020. Unfortunately, we can not provide any further information until we have finished our standard processes. ''
Product: Credit reporting

The Equifax and XXXX Credit have reported collection accounts that are inaccurate in their filings. The Entries : XXXX and XXXX are not mine. I have no knowledge, accountability or have authorized any action these creditors are claiming. I have disputed these inaccuracies to no avail. According to the laws of the FCRA I have the right to dispute inaccurate information with the right to have the credit report updated accordingly. I am requesting the CFPB advocate for me in this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX, I attempted to make a payment via XXXX using American Express ' Send & Split feature. I had already successfully added a balance of {$870.00} to my Send Account ( which is required before sending funds ), but when I tried to complete the payment via XXXX, I received an error message on the XXXX app to the effect of " Something went wrong, we could not complete your payment. '' However, when I logged into my American Express account, and viewed the Send & Split balance, it showcased a completed transaction of {$870.00} to the XXXX recipient. After confusion, I reviewed XXXX again and there was no record of the payment going through. 

So Amex reflected the transaction as completed, but XXXX did not receive it. I chatted with XXXX customer service ( I have a transcript as well ) and they informed me that since the payment did not go through I would have to reach out to the bank issuer ( Amex ) to resolve it. 

I opened a dispute with Amex over it and they at first did not want to dispute it because to them, the transaction was " completed. '' I told them it was not, and sent the transcript with the XXXX agent proving this. They promised to get me a decision in 7-10 days, but have not resolved it or given me any updates. I followed up with Amex, and they continue to tell me they're " working on it. '' This is a significant amount of money that I trusted Amex to send on my behalf. And, since I still owed that money to the recipient, I had to send another {$870.00} via a different service to them ( XXXX, which did work - thankfully ). I am hoping that you can help me get this resolved, since it was not my fault and was due to a glitch on Amex or XXXX.
Product: Credit reporting or other personal consumer reports

Hi I was the victim of a identity theft case. I actually got all of my information stolen. All of my personal information was stolen and sold on the XXXX market. This happened XXXX, XXXX. I did not know this was going on until now which is XX/XX/XXXX. I had a terrible XXXX years. Which I am trying to recover from. I do not know who used my personal information... but I suddenly decided to check my credit report and found all of this negative stuff in it. I did a credit freeze to my account. Made a FTC REPORT and contacted the companies to help me! 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My XXXX account debit cards were used for fraudulent purchases from both checking and savings accounts. The physical cards were still in my possession and in my purse, while purchases were made in XXXX, KS on XX/XX/XXXX and online. 

I alerted USAA within hours of the transactions taking place as fraud and both accounts were locked and new cards sent to me. 

{$43.00} XXXX XXXX {$100.00} XXXX {$22.00} XXXX {$2.00} XXXX {$1.00} XXXX {$47.00} XXXX {$32.00} XXXX XXXXXXXX XXXX XXXX XXXX {$19.00} XXXX XXXX {$1.00} XXXX {$2.00} XXXX XXXX XXXX  {$65.00} XXXX After investigation from USAA, the charges are being upheld and my accounts are being deducted for the fraudulent activity I didnt have anything to do with. 

USAA security breaches were in the news which would explain how my cards information was stolen even though the physical cards were still in my hands.
Product: Credit card

I established a payment plan with American Express that was not enforced and the account was closed against my wishes and Amex failed to uphold it 's end of the bargain. I had a set date for repayment and when I contacted them, they just said the account was closed and no payments could be made.
Product: Bank account or service

Reoccurring problem from a prior complaint on XX/XX/XXXX that i filed against US Bank where the services that i have signed up for like text and email alerts on my account balance for when it drops below a certain dollar amount do n't ever work until my account is in the negative for hundreds of dollars.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate or incomplete. I am requesting that the items be investigated to correct the information Below are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I received a telephone call from XXXX XXXX for a debt owed to XXXX XXXX XXXX ( XXXX at XXXX ) in the amount of {$630.00}. The first call I received was from a Service Processor stating that I would be served a complaint and that someone would need to be at my resident with two pieces of ID to sign for this Complaint and if I wanted to stop the process - I would have to call their office. I did call -- they wanted the following arrangements in order to stop the Service Processor : {$190.00} on XX/XX/2018 ( which I paid - and it was a struggle ). They also wanted me to pay {$440.00} on XX/XX/2018 to close out the account. I was unable to come up with the finances - so I called and they asked what could I pay - I told them that I would try to get at least {$100.00} - which I did and paid - but set up arrangements to pay the final {$330.00} by XX/XX/XXXX - which I am still unable to do. I pressure and stress to met their expectation is overwhelming. They stated that if I did not keep these arrangements that I would have to come to court and let them settle the matter. Help!
Product: Credit card or prepaid card

In XXXX 2017 I tried to use my credit care.it was denied. When I called to find out what happened, I was told that my account was past due. After searching for my statement. I looked in my completed files and my due files. I was told I owed XXXX dollars including late fees. I refused to pay the late fees due to my not receiving a statement. I was told the late fees would be wavered and I would only have to pay XXXX. Which I did. This payment was to include my XX/XX/XXXX payment. On XX/XX/XXXX I tried to use my card and again it was denied. When I called, I was again informed that my account was past due. After sitting on the phone for nearly 2 hours I was told the payment was XXXX. Upon further questioning, I was told that the XXXX that was supposed to waive was what put my account past due. I was told that I needed to pay the wavered amount and it would come off of my principle. That my cad would be suspended until I pay the previous past due of XXXX. Why should I pay for a waivered fee? With my account in past due status, I now have to pay a second past due fee. And hurt my credit. In XX/XX/XXXX when I questioned the agent about why I should have to pay for their mistakes I was informed that this is the way it was.
Product: Credit card or prepaid card

My issue is with Cadence Bank 's online system verification that includes being able to pay my credit card. I have changed my telephone number contact number on repeated occasions with Cadence Bank customer service representatives and in the online website account information and the telephone number continues to revert back to a telephone number that no longer applies to me. 
Due to not maintaining bank records, the fraud department was not able to reach me on one occasion and denied a transaction I was conducting and the online verification process can not be completed and I was not allowed to log-in. The process produced the incorrect telephone number and asked if I wanted to receive a text message or a telephone call to complete the verification process. Since the telephone number is no longer good for me and I can not access it, the online system could not complete their verification process. 
I contacted the bank through their contact us link on their website and both times I received a canned response that my email was received and that I would be contacted as soon as possible by a customer service representative. I did not receive any response from their Customer Service with the last request sent to them on XX/XX/XXXX. If they are trying to reach me at the number they have on file, it is incorrect. I have corrected it many times including in correspondence of a previous complaint about this bank.
Product: Student loan

In XXXX of XXXX I received an email from XXXX XXXX explaining that my Student Loans were discharged under the Borrowers defense plan. I was told that within XXXX days the loans would be discharge and I would be entitled to a refund for all Payments that were made during the life of the loans. It is now almost XXXX and no action has been taken on the Loans, and when I call the Servicer ( Nelnet ) and the XXXX XXXX XXXX I am told there is no set time frame on how long the discharge will take which is completely unacceptable and I need my loans discharged and my money refunded I am a Senior citizen
Product: Debt collection

I was sent a collections letter for a debt that isn't mine. I contacted XXXX directly, but they didn't have any accounts associated with me. I sent ACI a letter ( ACI response letter ) informing them this is not by debt. They returned a letter with purchases I did not make and an email account that is not mine. I contacted XXXX collections again with the information and informed them this is not my account and I have reported the identity theft. ACI has again sent another collections letter trying to collect an increased amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has had a freeze on it for 3 years ATLEAST.. I cant get any credit.. cant open a bank account.. contacted equifax several times and sent them all the info they need and its still frozen.. very frustrated
Product: Credit reporting or other personal consumer reports

XXXX XXXX ran my credit without my permission with several companies, I mailed a letter a requested removal with no response. The date XXXX XXXX ran my credit was XXXX, they also sent in my information to XXXX XXXX on XXXX and XXXX XXXX XXXX XXXX XXXX. I also mailed in a statement to all three credit bureaus explaining this inadmissible inquiry and have yet to get a response.
Product: Debt collection

I had disputed with portfolio recovery collection agency that they had indicated that I had opened up my credit card in XX/XX/XXXX I just got back the dispute stating that it was valid Ive called portfolio recovery collection agency today and I was advised I opened up the account with XXXX XXXX on XX/XX/XXXX of XXXX the account charged off on XX/XX/XXXX of XXXX. Portfolio Recovery collection agency purchased the debt on XXXX XXXX. The response back to me it stated they will remove this in XX/XX/XXXX. I lived in Arizona when the account was opened/closed. The STATUE OF LIMITATIONS is 6 years. When I spoke to someone at Portfolio Recovery today I did ask them to send me proof of Validation of debt. They are reporting an incorrect date that this account was OPENED. I havent made any Payments on this account to start the clock over.