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

On XX/XX/year>, I sent a formal dispute letter to Transunion to address inaccurate items on my credit report. Along with this letter, I provided comprehensive documentation to verify my identity, including a copy of my photo ID, social security card, and a recent utility bill with my current address. 
In my dispute, I explicitly requested specific information regarding the verification process : -Details on how the disputed item was verified. 
-The date when XXXX XXXX the creditor and furnisher. 
-Contact information for the creditor and furnisher. 
-The name of the individual who verified the item. 
-The method of communication used to verify the disputed information ( e.g., phone, email, mail ). 
-Confirmation on whether the creditor and furnisher provided any sensitive personal information, such as my Social Security Number, address, and date of birth during the verification process. 
On XX/XX/year>, I received an email from TransUnion stating : " We recently 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 won't process requests unless they come directly from you or an authorized third party. '' This response is in direct contradiction to my consumer rights as stipulated under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that if a consumer disputes the accuracy or completeness of any item of information within their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
TransUnions lack of action has effectively denied me the right to an accurate and fair credit report, potentially harming my financial standing. This disregard for my rights under the FCRA is both frustrating and unacceptable. To support my claim, I have attached copies of my original dispute letter and TransUnion 's response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of changing banks from XXXX XXXX XXXX XXXX to XXXX XXXX and ran all the money out of the XXXX XXXX account only to find that the credit card associated with that account incurred a {$2.00} charge I believe for not being used. I called XXXX XXXX and they were unable to take a payment for this over the phone and so I attempted to transfer money from my XXXX XXXX account to the XXXX XXXX account but unfortunately this took a good amount of time ( I want to say 10 days ) and this {$2.00} caused a late payment and dropped my credit score by over 100 points. The money was transferred and payed on XX/XX/19
Product: Credit reporting or other personal consumer reports

This morning, I was incredibly shocked and dismayed to find incorrect accounts listed on my credit report. I usually review my report without issue, but todays discrepancies came out of nowhere. Refreshing my browser didnt fix the problemthe inaccuracies persisted. I urgently request a thorough review of the documents Ive provided so I can finally stop stressing over this.
Product: Credit card

Examine the attached documents. I request the bureau to initiate an investigation into these accounts, as I have consistently been on time with payments, yet they are being reported as late.
Product: Mortgage

XXXX XXXX AND NATIONSTAR MORTGAGE ARE USING THE PHONE, COMPUTERS AND INTERNET SERVICE TO COMMIT THE THEFT OF FUNDS AND THE ILLEGAL FORECLOSURES OF HOMES ... WE HAVE 3 CONFIRMED, RECORDED, DOCUMENTED CRIMINAL ACTS TOTALLING OVER {$8000.00} MAKING IT A SERIOUS FEDERAL CRIME .... IN XXXX XXXX, AS PART OF A CFPB SETTLEMENT, NATIONSTAR AGREED IN WRITING TO ACCEPT A XXXX PAYMENT TO BRING THE ACCOUNT CURRENT. WE PAID THIS AMOUNT OVER THE PHONE ... AND NATIONSTAR ILLEGALLY LEFT A BALANCE ON THE ACCOUNT PLUS ACCRUING LATE FEES ON THESE ILLEGAL BILLS ... NATIONSTAR USED INTERNET FRAUD DURING THE SAME TIME PERIOD, XXXX XXXX, WHEN THEY PUT IN WRITING THAT THEY WERE NOT DOING A FORECLOSURE BECAUSE THEY WERE INVESTIGATING AND CONFIRMING LOAN ORIGINATION FRAUD ON THIS ACCOUNT. ... FOR THE PUBLIC RECORD, THIS LOAN ORIGINATION FRAUD WAS CONFIRMED AND NEVER CORRECTED MAKING ANY FURTHER COLLECTION AN INTENTIONAL, FRAUDULENT, CRIMINAL ACT ... THE LOAN IS INVALID ... IN XXXX XXXX NATIONSTAR DID FORECLOSE ON THE MISLED HOMEOWNER AFTER TELLING THEM ON THE PHONE AND IN WRITING ... THEY WERE NOT FORECLOSING ... WHEN THEY REVERSED THEIR ERROR ... THEY ADDED A {$1400.00} ATTORNEY BILL ILLEGALLY TO THIS MORTGAGE ... THEY CHARGED FOR A FORECLISURE THEY SAID THEY WERE NEVER DOING .... NOWHERE CAN YOU CHARGE FOR A SERVICE YOU TELL A CONSUMER YOU ARE NOT PROVIDING ... THAT ILLEGAL {$1400.00} ATTORNEY BILL IS STILL ON THIS ACCOUNT ILLEGALLY TODAY. ... LAST MONTH ... XXXX XXXX, XXXX, NATIONSTAR VERBALLY AGREED TO ACCEPT AND THEN WAS WAS PAID OVER THE PHONE FOR XXXX, XXXX AND XXXX PAYMENTS. THEY CONFIRMED, DEBITED MY ACCOUNT OVER 2,800 ... BUT ONLY PAID XXXX AND XXXX. ... THEY TOOK OUR XXXX PAYMENT AND USED IT TO PAY FOR THE ILLEGAL FEES THEY ADDED PREVIOUSLY USING OTHER FORMS OF WIRE FRAUD PRIOR .... THIS PAYMENT WAS MADE DIRECTLY TO THE CEO IN HIS OFFICE ... XXXX XXXX ... MAKING IT AN INTENTIONAL CRIMINAL ACT AND THEFT / MISAPPROPRIATION BY THE CEO ... XXXX WE HAVE REQUESTED RECORDINGS OF ALL OF THESE CONVERSATIONS FOR OUR UPCOMING LAWSUIT AND FOR YOUR PROSECUTION BUT XXXX XXXX AND STAFF REFUSUES TO COMPLY. WE ARE WORKING DIRECLTY WITH THE CEO 'S OFFICE NOW SO WE HAVE CONFIRMED THIS IS A TOP DOWN CRIMINAL FRAUD INVOLVING SEVERAL HIGH LEVEL EXECS. PLEASE NOTE THAT NATIONSTAR HAS COUNTLESS COMPLAINTS OF THIS TYPE OF FRAUD. THEY ARE STEALING CASH AND STEALING HOMES AND XXXX XXXX IS KNOWINGLY VIOLATING NUMEROUS STATE AND FEDERAL LAWS WHILE FORCING EMPLOYEES TO ALSO BREAK THESE LAWS OR LOSE THEIR JOBS.
Product: Checking or savings account

On XX/XX/2021 at about XXXX am, I used a PNC ATM to deposit {$700.00} cash into my XXXX checking account ( using my XXXX debit card ). I put my debit card in ATM, put in my XXXX pin #, selected deposit to primary checking account, then inserted 7 {$100.00} bills in the deposit slot. 
The machine spit out my debit card, but kept the cash I put in. I immediately contacted XXXX and they told me PNC had to fix the problem. I then went to the PNC branch where the ATM was located. They told me XXXX had to fix the problem since it was a XXXX card used. Every day since, I have spoken to several people at both banks and keep being sent from one back to the other. XXXX did file a dispute but immediately denied it saying they saw now evidence of me attempting a transaction. PNC refuses to file a dispute because it was a XXXX debit card transaction attempt. With neither bank willing to help me, I am out {$700.00} and likely will never see my money again! Its a PNC ATM ( pics attached ) but they say its a third party that services their ATMs. All it takes to resolve this issue is for one of the banks to do whats right and file the dispute so they can get the money in my account. PNC admitted they were having ATM problems for a few days, and the machine doesnt print receipts either ... which would have helped alot. This is alot of money to just watch it disappear. This has now put me in a financial burden thanks to 2 banks ( that im a customer of both ) not being willing to fix it! Honestly, this is pure theft but I dont know where to go for help. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against XXXX XXXX XXXX for Multiple Charge-Offs, Failure to Issue XXXX Forms, and Mishandling of Debt Accounts Dear CFPB, I am filing a formal complaint against XXXX, XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX, for improper handling of XXXX debt accounts, XXXX ( amount {$510.00} ) and XXXX ( amount {$1600.00} ). I believe that XXXX has engaged in unlawful and deceptive practices that have caused significant harm to my credit and financial standing. 

1. Multiple Charge-Off Reporting Perpay has XXXXeported multiple charge-offs on my credit reports for these accounts, which is a violation of credit reporting laws under the Fair Credit Reporting Act ( FCRA ). A charge-off is a single event, but XXXX has unfairly reported it numerous times, severely damaging my credit profile. This misrepresentation of the status of the accounts should not be tolerated. 

Given the egregious nature of these multiple charge-offs, I am requesting the complete deletion of these accounts from all credit reporting agencies ( XXXX, Equifax, and XXXX ) XXXX Simply correcting the errors or consolidating the charge-offs will not suffice, as the improper handling of this situation has already caused long-lasting harm. 

2. Failure to Issue 1099-C Forms XXXX has also failed to issue IRS Form 1099-C for the charged-off amounts, as required for debts over {$600.00}. These charge-offs should have triggered the issuance of a 1099-C, but I have yet to receive these documents. This failure to comply with IRS regulations raises questions about the legitimacy and handling of these accounts.

3. Continued Collection Efforts Without Verification Despite the accounts being charged off, I continue to receive collection efforts from XXXX without any valid proof of the debt. I have not been provided with : Full account history or itemization of charges. 
A copy of the original signed agreement related to these debts. 
Proof that XXXX has the legal right to collect on these accounts. 
Request for Action : Immediate and full deletion of these accounts from my credit reports, given the multiple charge-offs and unlawful actions. 
Investigation into XXXX failure to issue 1099-C forms for charged-off debts. 
Confirmation that no further collection efforts will be made without proper verification of the debt. 
XXXX actions constitute a violation of both the FCRA and FDCPA, and I ask that the CFPB fully investigate these practices. Their conduct has caused significant harm to my financial standing, and only the complete deletion of these accounts can rectify this damage. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds my consumer rights. 

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

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX & XXXX XXXX - Late Payment XXXX XXXX XXXX XXXX XXXX Charge-Off XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

Remove the XXXX and XXXX XXXX inquiries. 
Thank you.
Product: Student loan

Wells Fargo sold my loan to another provider ( XXXX ), however, they are reporting to the credit report that I have an outstanding charged off balance. Additionally, the account is over 7 years old and should be removed from my credit report. Wells Fargo refuses to address the duplicate information and refuses to remove the outdated accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX the consumer sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. Its been well over 30 days I still have received anything back. 

According to 15 USC 1681i ( a ) X1XA ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This a violation or mv rights
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX, I have noticed a fraudulent account Account name, credit acceptance , Corp. Account number XXXX Date opened XX/XX/XXXX Date closed- Balance XXXX Account status open past due XXXX as of XX/XX/XXXX Last payment date XX/XX/XXXX RESPONSE TO CREDIT ACCEPTANCE RESPONSE ON CFPB RESPONSE TO DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCOUNT XXXX THIS ACOUNTIS SHOWING BALNCE, IT SHOULD NOT SHOW NO BALNCE BECAUSE I SENT A LETTER SHOWING THAT THE DEBET WAS CANCELLED AND NEEDS TO BE XXXX OUT
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

these are the accounts previously disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , inc ) Due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Cashapp Specifically failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore there 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.these actions have caused significant inconvenience and financial lost and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 USC 1681 section 602 A states I have the right to privacy. 

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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 pulled my credit to myself for the first time in years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX/XXXX XXXX {$310.00} XXXX XXXX {$680.00} XXXX/XXXX   XXXX {$75.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX   XXXX {$3600.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX  XXXX {$270.00} XXXX   XXXX XXXX {$960.00} XXXX XXXX {$94000.00} XXXX/XXXX   XXXX {$700.00} XXXX/XXXX XXXX {$2300.00} XXXX/XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit card or prepaid card

Re : Follow up CFPB Complaint ID : XXXX I'm unsure why my claim couldn't be substantiated but in reaching out to customer service they indeed confirmed my acceptance of the invitation ( XXXX ). Additionally, I've appended the offer letter and supporting documents for your review. If a recording or transcripts of the conversations are necessary we can work with our third party verification services provider to furnish upon request. 

For reference, my description of events are as follows : In the first quarter of 2020 I received an offer to upgrade from the American Express Green Card to its Gold Card. As part of the offer they included a number of Travel Benefits and credits that were to be applied within subsequent billing cycles. Additionally, their annual membership fee was to be pro-rated to reflect the existing membership fee payments and number of months remaining in the year. I accepted the upgrade offer but unfortunately the benefits and adjustments were never applied as promised and the resulting changes to my account didn't take place as described. It turned out that the representative I spoke with was part of an outsourced support effort specific to the travel offer and misinformed me about the program details. I spent the next several billing cycles attempting to correct the issue - having fees reversed and comparable adjustments applied. However I was assessed a penalty APR rate that began in XXXX which was finally lifted in XXXX of this year. All the while I've been informed that a credit adjustment for the difference in what would have been my standard ARP and this penalty APR would be made. I've made a number of attempts every month since to have this corrected - opening a number of cases with Customer Care only to have no follow up or resolution and ending with a representative pointing me to the Cardmembers Agreement with what appears to be no review of the history or details of the issue.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX  days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$350000.00} XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$350000.00} XXXX XXXX  Balance : {$3000.00} XXXX XXXX Balance : {$390.00} XXXX Inquired on XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unexplained Credit Score Decrease To Whom It May Concern, I am writing to formally file a complaint regarding an unexplained decrease in my credit score, which has significantly impacted my financial standing. I have always maintained good credit behavior and have never missed any payments. 
On XX/XX/year>, I contacted XXXX to inquire about my credit score decrease. On XX/XX/year>, my credit score was XXXX, but it inexplicably decreased to XXXX in XX/XX/year>. On the same day, I also contacted Equifax to investigate the reason for my credit score dropping from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX to understand why my credit score decreased from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unfortunately, none of the credit reporting agencies provided a satisfactory explanation for these unexplained decreases. The representative from XXXX even advised me to contact FICO, which I did on XX/XX/year>. The FICO representative stated that they had nothing to do with the decrease in my credit score. 
For over 20 years, all of my payments have been in good standing. If any changes were made to my credit score, it is concerning that the three credit agenciesXXXX XXXX, and Equifaxdid not reach out to me before making such changes without my consent. Moreover, I have opted out of sharing my personal information with all three agencies. 
According to 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ) governs how consumer credit reports are accessed and promotes the privacy, accuracy, and fairness of personal information. Specifically, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. It is evident that XXXX, XXXX, and Equifax have not followed these regulations, resulting in inaccuracies and unexplained decreases in my credit score. 
I respectfully request that this matter be investigated and resolved as soon as possible. My credit scores should be restored to their previous levelsXXXX XXXX XXXX XXXXXXXX at XXXX, and Equifax at XXXX. 
Please refer to the attachment for further details Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX.