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

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion posted Re-Age collections that does not show last payment. I need ti know the last payment maded in all collections. Its nit fair to list these account without showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia, XXXX ( XXXX ) XXXX XX/XX/2023 Dear EQUIFAX, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : US DEPT. OF EDUCATIONXXXX Amount : Closed Party Owed : XXXX XXXX XXXX Amount : {$480.00} Account Number : XXXX XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I purchased a United Airlines ticket using my Chase United Explorer Visa on XX/XX/XXXX for {$1900.00}. I opened this account specifically because the card offered Trip Cancellation/Delay insurance and offered me points for purchasing a United flight XXXX 

My flight was scheduled to depart on on XX/XX/XXXX. However, due to inclement weather ( there was a large winter storm system affecting the entire country ), one of the legs of my trip was cancelled, and I was forced to rebook to a nearby destination the following day. This required me to book a last-minute hotel and pay for meals ( {$380.00}, not covered by United, they do not reimburse for weather ) and book a land taxi and water taxi to my final destination. 

On my return trip, the last leg of my flight was cancelled due to weather, and I was told no flights were available for multiple days. Therefore, I rented a car for {$240.00} and drove the 7 remaining hours home. I filed a claim with XXXX XXXXt XXXX ( the vendor responsible for administering Chase 's trip delay/cancellation insurance through XXXX ) on XX/XX/XXXX. I provided them with my original itinerary and charges, screenshots of the texts from the airline announcing the delays and cancellations, a receipt for my taxis, and a receipt for my hotel and food. 

On XX/XX/XXXX, they responded requesting a copy of my original itinerary ( which I had already provided ), and any credits received from United Airlines. I supplied this information. On XX/XX/XXXX, they responded requesting receipts for my meals. I supplied the receipts for my meals. There were several phone calls with customer service reps in this timeframe asking them to confirm that they had everything they needed, which I was assured they did. I followed up on XX/XX/XXXX as I had not received a final response, and was told my claim was in the final review stages and I should have a response soon. 

On XX/XX/XXXX, I received an email from XXXX XXXX XXXX asking me to supply my original itinerary, a copy of the rental car receipt, and a copy of my rescheduled trip ( all items I had already provided ). I called XXXX XXXX XXXXXXXX for an explanation, and they stated someone would review my claim within 6 business days, and they would try to have the claims examiner call me within 48 hours. Meanwhile, almost 6 months have already passed since the filing of the claim. 

I believe this " benefit '' of trip cancellation/delay insurance is a scam in which ChaseXXXX XXXX XXXXXXXX attempts to prevent consumers from using their contractual benefits by drawing out review periods and continually asking for documentation that either ( 1 ) has already been provided or ( 2 ) was never mentioned in previous communications.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a LOAN opened at DEPT OF ED/XXXX {$2100.00} on XX/XX/XXXX LOAN opened at DEPT OF ED/XXXX XXXX$1100.00} on XX/XX/XXXX XXXX  opened at I XXXX XXXX XXXX {$190.00} on XX/XX/XXXX COLLECTIONS opened at XXXX XXXX  {$820.00} on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Transunion for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, by reporting inaccurate and misleading information on my credit report. I am distressed by this damaging information on my credit report and I can no longer be compliant with fraud.

Transunion is currently reporting that I owe a balance of {$1400.00} to XXXX XXXX Bank XXXX but this is false and misleading. I received an IRS Form 1099-C ( Cancellation of Debt ) for {$1000.00}, which indicates that a portion of this debt was legally canceled and must be reported as taxable income. Under IRS regulations, a canceled debt is no longer owed, and creditors can not continue to attempt collection or report it as an outstanding balance. 
1. Failure to Report Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) XXXX is knowingly reporting an inaccurate balance, despite the fact that part of the debt was canceled. 

2. Failure to Properly Investigate ( 15 U.S.C. 1681s-2 ( b ) ) I previously disputed this account with Transunion and asked them to validate this debt properly, yet they failed to correct the information.

2. Furnishing Incomplete or Misleading Information The reported balance does not reflect the canceled debt, misleading potential lenders and harming my creditworthiness.

Attached to this complaint are : 1. A copy of my Transunion credit report showing the inaccurate balance. 
2. A copy of the 1099-C form from XXXX XXXX Bank confirming cancellation . 
3. A copy of my previous dispute letter to Transunion and their inadequate response. 

I urge the CFPB to investigate Transunions noncompliance and hold them accountable for violating the FCRA. Please confirm receipt of this complaint and provide updates on your findings.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :XX/XX/XXXX*** {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$36XXXX0.00} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX}
Product: Credit card

My US bank card is enrolled in a credit counseling program and payments are handled through XXXX. The terms are XXXX XXXX monthly with no fees and 4.9 % interest and the account is eligible for re age. I have been paying my minimum. In XXXX, my payment was received on XX/XX/XXXX which is 18 days after the due date of the XXXX. The next payment was received 23 days after the due date. I paid the entire account outside of the XXXX program this month. I was marked 30 days late for XXXX and I have never been 30 days late on the program. I spent days and hours being transferred and told the credit counseling department can not speak to me directly. I was told the XXXX payment was applied to the XXXX statement and that US Bank has not control over that and XXXX is responsible for applying payments. XXXX confirmed that this is not accurate and it should have been applied appropriately. I am only trying to have the record reflect the accurate payment history. XX/XX/XXXX payment was received XX/XX/XXXX. XX/XX/XXXX payment was received XX/XX/XXXX. Neither were 30 days late and my minimum payment is {$11.00} until the agreement expires on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I'm demanding Transunion shall block the following accounts below from my consumer report pursuant to 15 USC 1681c-2 ( a ) no later than 4 business days of receipt. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so in the past. Your company is furnishing and reporting FRAUDULENT accounts on my consumer report I did not give Transunion my written permissible purpose to furnish these accounts therefor Transunion is involved in identity theft pursuant to 15 USC 1681b ( a ) ( 2 ) .Please block and delete the following accounts and information on my consumer report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 me having to start a new account. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the ( EFTA ) Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This company is maliciously messed up my credit after I paid them off I have them on a record phone call saying they were going to remove after paying they keep reporting derogatory information to my account we need request of phone records they didnt fix anything theyve made my credit wose after I paid
Product: Bank account or service

Bank of America placed a fraud on my account with XXXX and has yet to show hard core evidence that it was me who placed bad checks into the ATM. I have repeatedly asked them to review ATM video footage and to review whose signatures were on the endorsed checks and still nothing has happen. I even wrote the XXXX and XXXX of Bank of America and I thought it was resolved, but now nobody is responding to my letters, my requests, or my complaints. And still, I am unable to open up an account with any other bank until that has dropped off XXXX or Bank of America remove the fraud status. I even requested Bank of America to allow me to reopen an account with them, but restrict ATM deposits because I earnestly need a personal checking and savings account. I am writing because I feel like Bank of America feel that their size and status as a bank entitle them to report and to harm the lower class people because we can not afford to retain attorneys to argue for us. I hope this agency will not allow Bank of America to treat me like I am nothing and to hold them accountable for their injustice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date they have not responded. 

I am writing to request that your bureau verifies the accuracy of the XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$4000.00} ) account that you have reported on my credit report. I am unsure of the accuracy of the balance of {$4000.00} that you report for this account because I don't recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I intend to clarify this matter with the creditor. In the meantime, I request that you mark this account as disputed, so that it won't have any further negative impact on my credit score. Additionally, I would appreciate it if you could verify the Date Opened, Date of Status, and First Reported for this account.
Product: Debt collection

On Wednesda  y  XX/XX/XXXX    @  XXXX   XXXX , I received a phone call from  XXXX  on my cell phone from a  XXXX   XXXX  asking for me. He told me that he was calling from National Credit Adjusters but refused to reveal the nature of his call. I told him that he had no authorization to call this cell number. He hung up. I returned the call the same day @  XXXX    XXXX   and spoke with  XXXX   XXXX   XXXX . He stated that I owed  XXXX   XXXX  {$150.00} from  XX/XX/XXXX . I told him that all debts to  XXXX  has been satisfied and that this company can not do business in the  State of MD . He continued to dispute what I had told him. I asked him not to call my cell phone and hung up.
Product: Mortgage

My current mortgage lender is Loancare Servicing Center. In XXXX, XXXX, and XX/XX/XXXX. The company reported consecutive late payments on my mortgage. I was in the process of refinancing my mortgage in order to pay equal equity from the house to my x-wife. I decided not to use the same company. Subsequently, the loan was denied. I attempted to call and speak with Customer Service and they refused to remove the false reports. I hired a Credit Repair company and the late payments were removed. In XXXX I applied with another refi company " XXXX XXXX '' Which offered 1.7 %. In XX/XX/XXXX, I was told that there was another late payment in XXXX reported by Loancare. The payment was late but not over 30 days. The loan was denied. I once again attempted to resolve this issue by providing proof of payment to Loancare. The refused to remove the charge. I am force to hire the Credit Repair company to address this issue. My credit has been destroyed because of the practices of this company and their refusal to resolve the issues in a speedy manner. The late reporting in XXXX, XXXX, and XX/XX/XXXX had a domino effect on my score. The credit limit on my cards was dropped by 10 's of thousands which in turn placed me at 80-90 % credit usage. My score dropped from XXXX to as low at XXXX. Not only has their indiscretion caused me hundreds of thousands of dollars, I am being threatened with losing my Driver 's License and jail time for not abiding by the divorce settlement. Any assistance that can be provided in this matter would be greatly appreciated.
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX c/o XXXX XXXX ( P.O.A ) XXXX XXXX XXXX XXXX, Ga XXXX The purpose of this letter is to file a complaint against Ditech LLC ( servicer ) & XXXX XXXX ( investor ). 
Around XXXX or XX/XX/XXXX, XXXX XXXX had contacted Ditech ( servicer ) for some assistance on the mortgage payments. XXXX XXXX advised the representative the mortgage payments are almost amount received for her SSI. Thus, XXXX XXXX is experiencing financial hardship due increase of expenses around the house. The representative confirmed that Ditech can aid with this request, but XXXX XXXX is required answer a few questions to see if qualified to receive some forms from XXXX XXXX to aid with her request of a manageable mortgage payment. 
I, XXXX XXXX, am XXXX XXXX XXXX, and I assisted my mother with answering those questions & filling out the forms ; however, XXXX XXXX or I was not advised the main requirement required to be approve for assistance from Ditech & XXXX XXXX. XXXX XXXX & I was never advised by all the representatives & supervisors from Ditech, letters from Ditech, missing documents from Ditech & XXXX w/ XXXX XXXX XXXX Ditchs response from the file compliant, XXXX 15 days investigating against Ditech , emails from XXXX , and phone calls with XXXX that we were advised that XXXX XXXX mortgage payments must be 60 to 90 days delinquent before providing any assistance. 

Therefore, our thought process is why send the forms for assistance twice, why tell us what documents were missing, why send all the required documents & forms for assistance, and why do a 15 days investigation if Ditech & XXXX w/ XXXX XXXX both knew XXXX XXXX mortgage payments were not delinquent & the account would not be approved because of this reason. 
When XXXX XXXX called Ditech onXX/XX/XXXX to see why, and a representative stated it was XXXX XXXX  who made the decision & that maybe my mother should sell her home if she could not afford her home. However, XXXX w/ XXXX XXXX stated it was Ditech who made the decision, and it was nothing XXXX XXXX could do as an investor. Then XXXX XXXX refused to provide XXXX XXXX with a supervisor, that all supervisors have a set schedule, the supervisors do not wait after XXXX to speak with consumers, and stated did advised XXXX XXXX of the 60 90 days delinquent. 
Thus, I reviewed all letters, documents, & emails very careful before writing this letter, and it was nothing said about the 60 90 days delinquent requirements. Now, XXXX XXXX mortgage payments are going to be {$860.00} w/ a SSI income of {$800.00}. All the letters & documents stated some kind of assistance would be provided ; however, we only got a rejected letter. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed these items and have received no information that I requested so that I may have a accurate and fair credit report .The item is XXXX XXXX XXXX the account number is XXXX. This account is 8 years old.. This account was closed before they ever put it on my report also this is not under the FCRA.

Under 15 Usc 1681 states a accurate credit report should be what I'm in entitled to.
Product: Debt collection

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Product: Mortgage

My office represented the borrower in a foreclosure case in XXXX Supreme Court. The matter was settled with a loan modification and the foreclosure case was dismissed. Even though my office no longer represents the borrower, because the underlying foreclosure case has been dismissed, my office still receives mortgage statements for the borrower. The statements lists the borrower 's name but my office 's mailing address.