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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Complaint Regarding Negligent Non-Compliance with 15 U.S.C. 1681o of the Fair Credit Reporting Act To Whom It May Concern, I am submitting a formal complaint against TransUnion for negligent non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o. TransUnion has failed to properly investigate and correct inaccurate information on my credit report, despite the submission of documentation supporting my dispute. 

The dispute in question pertains to an account with XXXX XXXX XXXX, which claims I owe {$7700.00} for alleged damages, fees, and other charges. These claims are entirely inaccurate for the following reasons : 1. I paid my rent in full through the end of the lease term, which ended in XX/XX/XXXX. 

2. On XX/XX/XXXX, I informed the property manager of my intention to renew my lease. However, on XX/XX/XXXX, the property manager informed me that I could not renew the lease. I fulfilled my lease obligations through XX/XX/XXXX and vacated the property. 

3. The alleged damages, such as carpet replacement, wall damage, and cleaning fees, are either pre-existing issues or false claims. There were no damages upon my departure.

4. All keys were returned at the end of my lease term, and I have provided proof of this in my dispute with TransUnion. 

5. The property manager at XXXX XXXX XXXX claimed that I could not create a new lease because my former co-tenant, XXXX XXXX, had to acknowledge being removed from the old lease. This requirement was irrelevant, as the old lease had already ended, and I had fulfilled all terms. 

TransUnion failed to conduct a reasonable reinvestigation of my dispute, as required under 15 U.S.C. 1681i. Their negligence in reporting inaccurate debt violates the FCRA and has caused significant harm. 


Impact of Negligence : TransUnions negligence has caused significant harm, including : Damage to my credit report and score. 
Emotional distress and financial hardship from dealing with this inaccurate report. 
Difficulty obtaining financial services due to the erroneous debt reported on my profile. 

Requested Action : I request that TransUnion : 1. Conduct a thorough reinvestigation of the disputed account and remove this inaccurate information.

2. Provide written confirmation of the removal and any changes made to my credit report.

3. Hold TransUnion accountable for its negligence under 15 U.S.C. 1681o. 

I have enclosed copies of all supporting documents, including correspondence with XXXX XXXX XXXX, proof of payment, and evidence of my fulfilled obligations under the lease. 

Sincerely, XXXX XXXX XXXX : Correspondence with XXXX XXXX XXXX Supporting documentation ( e.g., receipts, proof of payment, move-out records ) Credit report showing disputed information
Product: Debt collection

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 

- XXXX XXXX {$2500.00}
Product: Mortgage

I have suffered severe hardships that have led to me falling behind on my mortgage. My hardship began when my ex-husband basically abandoned me and my son XX/XX/XXXX-this led to our divorce in XX/XX/XXXX. My ex-husband was the main income earner for my family and after he was fired from his job of almost 10 years we started to have problems with paying bills. When the divorce was finalized I was awarded this home and spousal and child support. Due to him losing his job that support stopped for me and my son, making the mortgage payment unaffordable for me. I receive XXXX for some debilitating conditions and in XX/XX/XXXX I was diagnosed with XXXX. The diagnosis as debilitating as it is, has not stopped me from doing what I needed to do to keep my home. I wanted to keep my son in his familiar neighborhood, that has proven to be a challenge for me. I have been appliying for mortgage relief with Nationstar for years now. I have income to prove, I can afford a mortgage payment but have experienced nothing but difficulty in the review of my options. I was even foreclosed on back in XXXX of this year, another error by Nationstar, that was corrected via them rescinding that sale. I was told they would work with me on a HAFA short sale, I desperately need relocation assistance to move my young son and my mother that is now in XXXX. I listed my home as instructed by Nationstar with an agent that presented an offer to them for consideration, this was all before any new sale date was set on my home. Nationstar working against me set a sale date on my home and are now using that sale date against me, refusing to proceed with reviewing everything I have given them. It is painful to come to terms with having to let go, now I must also face being forcefully removed from my home of almost 15years! I have worked tirelessly with this company, I am not trying to delay anything
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union Subject : Formal Complaint Violation of 18 U.S.C. 894 ( Extortionate Credit Transactions ) & Wrongful Credit Reporting Dear Navy Federal Credit Union, I am writing to formally dispute the wrongful credit reporting on my account, which has directly caused repeated credit denials and financial harm. Your actions may constitute a violation of 18 U.S.C. 894, which prohibits the use of intimidation, coercion, or threatsincluding credit reporting tactics designed to induce fearto enforce payments or suppress access to credit.

Violations Committed by Navy Federal Credit Union Wrongful & Misleading Credit Reporting Your institution has inaccurately reported late payments and/or other negative credit information, leading to the wrongful suppression of my credit opportunities.

Coercion and Induced Fear in Credit Transactions By reporting inaccurate information that is unlawfully obstructing my access to credit, Navy Federal has engaged in tactics that induce financial distress and fear, effectively coercing me into an unjust situation.

Denial of Equal Credit Opportunity The false reporting has resulted in repeated credit denials, violating my rights under the Equal Credit Opportunity Act ( ECOA ) and obstructing my fair access to credit.

Demand for Immediate Corrective Action To resolve this matter, I demand that Navy Federal Credit Union : Immediately correct all inaccurate credit reporting and remove any wrongful late payment or derogatory marks from my credit report.

Provide written confirmation that my credit profile has been corrected and that no further intimidation tactics will be used.

Ensure compliance with ECOA and all federal consumer protection laws, preventing further damage to my financial standing.

Notice of Further Action If this issue is not resolved within 5 DAYS, I will escalate my complaint to the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Office of the Comptroller of the Currency ( OCC ) U.S. Department of Justice for criminal review under 18 U.S.C. 894 I expect a full and immediate resolution. Please provide written confirmation of the corrective actions taken and a copy of the updated credit report reflecting these changes. You may respond to me in writing at XXXX. 

Sincerely, XXXX XXXX
Product: Debt collection

I pulled a copy of my credit report and noticed there was a collection from two companies that I was unfamiliar with so I disputed with the credit reporting agencies. They sent back their response as valid. I still wasn't familiar with the accounts so I sent a request to the companies directly and they have not responded and I mailed the request in XXXX. The first company is XXXX XXXX XXXX XXXX the other is XXXX XXXX XXXX. Again I have no idea what these two companies are collecting.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate reporting of the XXXX account ( partial account number : XXXX ) on my credit report. The information reported by Equifax contains significant errors and inconsistencies, violating my rights under the Fair Credit Reporting Act ( FCRA ). I request the immediate removal of this account from my credit report. 

Identified Inconsistencies : 1. High Credit : - The account is inaccurately reported with a high credit value of {$0.00}, which is incorrect and does not reflect the actual account details.

2. Credit Limit : - The reported credit limit is {$0.00}, which is inconsistent with accurate account information from other credit reporting agencies.

3. Payment History : - The payment history indicates significant delinquencies from XXXX to XX/XX/year>. These entries are inconsistent with previous records and can not be verified as accurate. 

4. Date of Last Payment : - The reported date of last payment is listed as XX/XX/year>, which conflicts with the information maintained by other credit bureaus. 

FCRA Violations : XXXX. 15 U.S.C. 1681e ( b ) : Equifax is required to maintain reasonable procedures to ensure maximum possible accuracy of information. The errors in the reported high credit, credit limit, payment history, and last payment date demonstrate a failure to comply with this provision. 

2. 15 U.S.C. 1681i ( a ) : This accounts history and values are incorrect, incomplete, and outdated. Despite these errors, Equifax has failed to correct the inaccuracies after previous disputes, violating its obligation to reinvestigate disputed information promptly and thoroughly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for a mortgage refi and I was on the last day for additional inquiries not to impact my score ( XX/XX/2021 ). I authorized Credco to perform a hard inquiry on this day but then there is another inquiry on XX/XX/2021. I would like the additional inquiry removed with all 3 bureaus as it has adversely affected my score
Product: Mortgage

SLS promised me a loan modification, but before receiving a permanent modification plan, I had to enter a trial period payment plan under the Home Affordable Modification Program, I was promised that if I made the trial payments on time, the foreclosure judgment on my house would be cancelled. After making my last trial payment, on time, I received a letter from the court stating that my house will be put on sale to the highest bidder on XX/XX/2016. ( letters attached ). 
Again SLS has lied to me and my family, just when we thought he had finally reached an end to this nightmare, it looks like to me, the nightmare have just begun. please help!
Product: Money transfer, virtual currency, or money service

I have filed a complaint with you people twice already, but you failed to do your job. You ask the criminals what they think and then tell me that the case is closed who does that to me is what I would like to know and who is their boss who is their supervisor? Bremmer bank took my entire income for the year from me and gave it to my ex-wife because she told them to do so this left me with no lawyer for the divorce hearing and forced me to live off of my elderly father for the entire year, this XXXX XXXX XXXX XXXX XXXX XXXX XXXX of dollars and cost me enough stress that it XXXX XXXX XXXX XXXX Bank will be held accountable by somebody. You can do your XXXX job that you get paid to do stop asking the people that did this thing to me what they think. Contact me if you have any questions what kind of an idiot contacts a thief and ask him if they stole something?? There was special rules in effect during Covid. They didnt just do this anytime they did it against company policy against our laws and our rules. They need to pay me for the loss and suffering that I have endured because of their actions. I want to know who is the person that is taking care of this that is reading this they need to be held accountable for not doing their job and helping the victim like theyre paid to do.
Product: Credit card

I opened a new credit card with Wells Fargo. Once I received my card, I called customer service to request authorized user cards. I asked if the cards could be rushed over. The agent confirmed that they could rush over the card. I was not told that there was any fee. I was looking at the card charges and saw a {$16.00} charge for RUSH CARD DELIVERY FEE. I called Wells Fargo customer service to inquire about the charge. I simply asked the agent what the {$16.00} charge was for, nothing else. The agent automatically processed a credit for that charge. This is without me asking for a credit. 

Wells Fargo is continuing its abusive practices and so I wanted to bring to CFPB 's attention.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I was given hard inquiry on my transunion credit report from XXXX XXXX, but I did nothing to be given an inquiry at the moment from XXXX XXXX I did not apply for anything whatsoever. I was notified of this by XXXX XXXX. I immediately called XXXX XXXX to try and get this situation figured out. I explained to them how there was an inquiry given to me for no reason, they then checked to see what was causing this inquiry and could not figure out what would be causing an inquiry on XXXX XXXX XXXX. I was then told by them to contact transunion to figure it out. I immediately did so, when I got on the line with a transunion representative I explained the whole situation, they then checked and confirmed that their was a hard inquiry from XXXX XXXX put on my report that day which was XXXX XXXX XXXX. I was then told in order for me to get this inquiry removed I would have to contact XXXX XXXX and get an inquiry deletion letter from them. I would then have to write my own letter with a request to delete the inquiry, and then combine the two letters and send it to transunion, in order to get it removed. So I proceeded to call XXXX XXXX back to try and get a deletion letter, but like before they could not figure out what was causing an inquiry on XXXX XXXX XXXX. They told me that their were no applications or accounts that would cause an inquiry on XXXX XXXX therefore there is nothing that can be done on their behalf nor can they give me an inquiry deletion letter. This left me with nothing to do, I cant get transunion to delete the inquiry without a deletion letter from XXXX XXXX and I can not get a deletion letter from XXXX XXXX because their is nothing showing as to why their would be an inquiry reporting to my account on XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I recently found myself entangled in what appears to be an elaborate scam, involving an alleged business loan from a company called XXXX XXXX, flagged as a fraudulent company online. 

I was deceived into sending funds to mule accounts controlled by the fraudsters, all based in XXXX XXXX, for a total of {$34000.00} USD. It is important to note that subsequent to the three transfers, which I believed were directed towards a legitimate investment platform ( later revealed as said to be a fraudulent interface ), I attempted an additional transfer amounting to {$33000.00}, since the perpetrators insisted on further funds to purportedly allow the retrieval of my investments. Notably, at this juncture, Chase bank intervened and blocked the transaction, citing association of the beneficiary bank with fraudulent activities. This occurrence serves as additional evidence pointing to a deficiency in proper Know Your Customer ( KYC ) procedures and transaction monitoring. 
Implementation of robust KYC and monitoring measures could have potentially identified and mitigated the financial risks associated with the previous transfers, as they were directed to the same bank. 

Despite my persistent efforts to contact Chase Bank in order to take action regarding these transfers, I have encountered no help or solutions. In fact, I sent a formal complaint to Chase bank in the form of a demand letter, via email and via mail, but both remained unanswered. 

I wish to highlight the gravity of this matter : the lack of action which characterized the conduct of Chase bank has negatively affected my case since no action has been taken to solve or address the issue presented here. 
Therefore, I am requesting Chase Bank to issue a refund of the sum I lost because of the following reasons : firstly their lack of compliance with XXXX in not performing or issue any alert regarding the suspect nature of the operations I was carrying out - in that the transaction pattern and the beneficiary data, together with the frequency and the amounts transferred, should have suggested that I was being the victim of a fraud. This was owed to me as a valued client. 

Secondly, their lack of responsiveness and accountability following my complaint, which could have allowed them to take action against the fraudsters. 
It is important to also acknowledge that Chase Bank is obligated to conduct ongoing monitoring of the transactions, as part of their obligations under Bank Secrecy Act ( BSA ) and the USA PATRIOT Act. This involves measures to detect potential fraud patterns. In fact, if only Chase bank performed the basic scrutiny that was owed to me as a client, for the sake of my safety, this victimization could have been prevented.
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 XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had put in a letter here about how there was 2 fraud hard inquiries that were not authorized by me made on XX/XX/2019 for XXXX XXXX and XXXX XXXX. I got a letter back saying some ip address I am unaware of. This ip address was used on both applications. I have made several attempts speaking to XXXX XXXX and XXXX just keep getting the run around. It's been over 30 days and I feel that under the fair credit act this should be reversed since I have no idea with all due respect how this happened and clearly was not made by me. In the letter it stated there was attempts to call me but I never got any said calls. If someone can please finally help me with this nightmare.
Product: Credit reporting

Information reported by XXXX is contradictory. Transition credit report shows that this account was moved to collection with no history of being paid off. Then it shows the account was removed but it still is reflected as a collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX  provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

On XX/XX/XXXX, I called PennyMac to request that I would like to remove the escrow account. The representative on the phone noted to me that it would be removed within 30 days, which is before my property taxes are due. I followed up with a question regarding who will be responsible for making the XXXX property tax payments due on XX/XX/XXXX. PennyMac informed me that I would be responsible for making the payments, so I did so on XX/XX/XXXX. I have not received my escrow refund, so I decided to call PennyMac today, on XX/XX/XXXX. PennyMac informed me that they did in fact make the property tax payment, which is contrary to the guidance I received in XXXX of XXXX. Due to PennyMac 's error, my escrow balance is currently negative and I will have to wait for a refund from the XXXX XXXX XXXX XXXX Treasury Department, which is notoriously slow and quite inconvenient, especially considering the amount in question. The taxes that PennyMac mistakenly paid were {$6700.00}. 

I was expecting an escrow refund of {$4600.00}. Due to PennyMac 's error, I now owe PennyMac {$2000.00} and have to wait for a refund of {$6700.00} from the XXXX XXXX XXXX XXXX Treasury Department.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. DEPT OF EDUCATIONXXXX XXXX and DEPT OF EDUCATION/XXXX  XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Rep, The credit reporting agencies XXXX, TransUnion, and XXXX are reporting information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified inquiries to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. They are : 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  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report. 

Thank you.