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

Notice of Legal Violations Credit Report Inaccuracies I am writing to bring to your attention certain inaccuracies on my credit report and to formally notify TransUnion of potential legal violations that require immediate attention. 

Identification of Inaccuracies : Upon reviewing my credit report, I have identified several inaccuracies that have adversely affected my financial standing. These inaccuracies include : incorrect balance, late payments, account number, credit limit, date of reported and others inconsistencies. 

Impact on My Financial Well-being : The inaccuracies outlined above have severely affected my creditworthiness and overall financial health. In XX/XX/XXXX, I experienced a major financial setback due to a family emergency, which led me to apply for a personal loan with XXXX XXXX  and other creditors offered loans with significantly high interest rates and I have been wrongfully denied which was highly embarrassing and has negatively impacted my lifestyle. This misinformation has had a detrimental impact on my financial options and opportunities. Would you reinvestigate the accounts listed below. 

Account Name : XXXX XXXX XXXXXXXX Number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Reference to Relevant Laws : I believe that these inaccuracies violate consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). The FCRA mandates accurate reporting and stipulates that consumers have the right to dispute and correct inaccuracies on their credit reports. 
Based of consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Request for Thorough Investigation : I kindly request that TransUnion conducts a thorough investigation into the inaccuracies outlined above and takes immediate corrective action. I believe that rectifying these errors is crucial to maintaining the integrity of the credit reporting system and upholding consumer rights. 

Potential Legal Consequences : Please be advised that if these violations are not addressed promptly, I may be compelled to take legal action to protect my rights under the FCRA and other applicable laws. 

Optionally with the proof I am attaching to this letter, you will agree it needs to be removed XXXX. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. 

Thank you for your understanding and cooperation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX REPORTED BAL : {$1200.00} AMOUNT PAST DUE : {$220.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX  DATE OPEN : XX/XX/XXXX AMOUNT : {$56.00} XXXX. XXXX XXXX  XXXX  AMOUNT REPORTED : {$11000.00} AMOUNT OF PAST DUE : {$2500.00} OPEN DATE : XX/XX/XXXX ( IDENTITY THEFT REPORT IS ATTACHED )
Product: Mortgage

Misleading paperless agreement, and unreliable statement emails. Their paperless agreement states that by signing up for their paperless agreement you will " Receive electronic monthly payment reminders ''. However, these reminders are not a feature of the site, and these are not sent out to consumers. Their statements and payment confirmations also come from two separate domains that are not part of their main domain. This causes statements to go into the spam folder. Statements should come from the official domain in which the bank resides online, or a subdomain of it. The sender of the email is also different from the company name, which also causes the emails to be missed. Statement emails MUST come from the actual official domain, or subdomain, of the bank and the sender MUST be the actual name of the bank or XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an inaccurate credit report data but I still have items left that needed to be removed. I was going through my updated credit report & noticed these items which were opened without my permission were still there. Since Im a stickler for research, under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to erroneous credit report entries. The dispute items were still a mystery to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3700.00} XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXX  XXXX Balance Owed : {$7000.00} -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$3700.00} XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$7000.00} XXXX XX/XX/2023 -- -- -- -- XXXX : XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$3700.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$3600.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$7000.00} XXXXXXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XX/XX/2023
Product: Debt collection

upon checking my credit report i notice a collection agency trying to collect a dept i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi there. This is my story with Bank of America. I. since I get to in the United States in. XXXX XX/XX/XXXX I opened the account with Bank of America and they are keep charging me fees monthly fees and I might very lower income and I start from 0 from scratch from other country I came here as a refugee and they keep peeing me overdraft me give me fees and last time I get fees from OK Starts from XXXX and. I close my account with Bank of America, I believe. and I remember in XXXX. XXXX or XXXX. XXXX I believe XXXX I closed the account with Bank of America and the reason why I close with them there is too much fees monthly fees over the draft fees and also they charge me one time for for missing understanding check deposit and they charge me XXXX {$5.00} for this and they keep until I. close the account with them and I go with the chess bank with the XXXX XXXX XXXX Bank and. I deserve to compensation for this fees on this time hard time with them from XXXX until XXXX this Bank of America at so much make. headache to me and make me struggling every month which is a my income is solo. Thank you for help me and I wish. you understand what's come from. Thank you
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 accounts are 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, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( b ). I request the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are marked inaccurate : XXXX XXXX XXXX XXXX - ACCT # XXXX. 

XXXX XXXX. 

XXXXXXXX XXXX XXXX ACCT # XXXX. 

XXXX XXXX  - ACCT # XXXX. 

XXXX XXXX - ACCT # XXXX. 

XXXX XXXX XXXX XXXX - ACCT # XXXX. 

XXXX XXXX XXXX - ACCT # XXXX. 

XXXX  XXXX CO - ACCT # XXXX. 

XXXX XXXX  - ACCT # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a inaccurate bankruptcy account reporting on my credit. I personally contacted the credit ( bankruptcy court ) to where this was being handled from ( main source creditor ) & they said they do not report to XXXX  XXXX  Equifax nor do they do to third parties. So I contacted & show written statements showing the credit bureaus ( XXXX  Equifax XXXX  ) where going against the law & they have not responded they basically said forget me I have been waiting for 50 days in contacting. So today I need the bankruptcy account & the accounts included in the bankruptcy reporting to be removed off my report indefinitely.
Product: Credit reporting or other personal consumer reports

DENALI CAPITAL LLC ONCE AGAIN NEVER VALIDATED LIKE XXXX XXXX XXXX ( SEE XXXX SOLF PULL XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please XXXX and remove it. 
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 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 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 XXXXXX/XX/XXXX
Product: Mortgage

I recently applied for and was accepted into the FHA-approved Home in XXXX Loan through Suburban Mortgage in XXXX. Initially, I was going to go through my credit union but XXXX with Suburban Mortgage assured me that I would qualify for this advantageous loan and persuaded me to place my business with them. I provided him with my past 2 year 's tax returns and all other paperwork needed for the approval. I was approved for this loan in XXXX of this year. He told me that I was approved but failed to mention that there is an income requirement for this type of loan. He called me with 2 week 's to close to advise me that " underwriting '' would not approve my loan because of my income. I watched as my dream home faded away through no fault of my own. He had my tax records as well as my past month 's bank statements which clearly show my income. He then offered to switch me over to a different kind of loan if I would stay with them! I had to pay a {$99.00} fee to take an exam in order to obtain this loan ( which I passed ), a termite inspection fee ( {$50.00} ) and a home inspection fee ( {$350.00} ). Suburban Mortgage materially misrepresented this loan to me and lead me along, fully knowing that I would not qualify for this mortgage. Not only did I lose out on the purchase of my home, but I am now also out financially. I have tried calling his manager, XXXX XXXX at XXXX but he has not returned any of my phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney, legal counsel or tax expert but rather a consumer pursuant to the enumerated consumer laws.

There is information that appears on my consumer report that is a results of identity theft. I did not provide written permission or instructions for the identified alleged transactions to be reported on my consumer profile/report. I am requesting that the information listed herein be blocked and deleted.

THIS NOTICE IS TO INFORM YOU THAT YOU UNLAWFULLY REPORTED AND FURNISHED AN UNAUTHORIZED ACCOUNT TO MY CONSUMER CREDIT REPORT PROFILE.

This notice constitutes a request for compliance to aid in our investigation before an identity theft report can be provided I am requesting the aid of EQUIFAX to provide proof of authorization signed and acknowledged by furnisher of source that the disputed unverifiable accounts are permitted and not intercepted unlawfully in violation of my right of privacy and confidentiality.

Trafficking my nonpublic personal information without lawful authority, verified proof of claim, verbal or written consent as permission for Proof of consent of release of information is a violation of my right of privacy and confidentiality.

Please take notice that collection, use, disclosure, and protection of Social Security numbers is can only be authorized my me the consumer.
Product: Credit card or prepaid card

Account # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ( Me XXXX Company : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Phone : ( XXXX ) XXXX To whom it may concern : I was granted this credit line for Home Depot Commercial Account through CitiBank for {$2500.00}. Please see ( Exhibit A ) ( Exhibit A ) Cleary show all company info as well the phone number for the company. 

( Exhibit A ) Also shows in the highlighted area that this account can be used to purchase gift cards. 

XX/XX/2022 - I received my permanent card. 

XXXX I went to Home depot to purchase gift cards for an XXXX Function for my company that we were having for the community. I spent well over 2 hours in store, only to be told it was red flag thrown up because I was purchasing gift cards and that they couldn't verify me because the system wouldn't allow them to send me a text. 

XX/XX/2022 - I asked to speak to a supervisor for the verification team whoever I spoke with was unprofessional and in clear need of more people skill training. Once, I asked for an employee number and her name, she started to find ways to go off course to end the phone call. It was ultimately ended about XXXX mins after I got off the phone. Since this was a company phone the phone call was being recorded on our end as well. 


XX/XX/2022 - I called this department again who then told me i would need to go back in store to do this process again. Once again about an hour and a half later, I was told I could use the account because the system could not verify my number. 

This whole situation with account is XXXX. and I will be filing a FTC and FCBA complaint next as well as speaking to our lawyer about this mishap and the unconvinced this has caused. Since this account is administered by Citibank I'm holding Citibank accountable for damages, if this situation does not get corrected o satisfaction. Company credit was ran, verification was done over phone prior to approval of account, I received my application status and approval at the same number Citibank stated that they couldn't not verify me on. The number XXXX is completely up and running I can make calls, received text, send text etc. like a phone is supposed to. This has got to be the most unprofessional experience I have ever had with a credit account. Even if you couldn't " verify '' the number which is false, what was the point having me verify all of my personal info, show ID, give EIN number etc. 

Also, I believe that Citibank might be using a third party company to try and verify information which is incorrect and misleading especially since it was not made known that this was the case. < -- Don't have a problem with this other that the fact that it's not made known and deceptive. Also, I would like to know very specifically why the phone number on file was not able to verify the account when this phone number is the ONLY phone number attached to ( ( ( ( ( ALL ) ) ) ) ) Company Credit reports?
Product: Student loan

I requested to consolidate my student loans with Aidvantage from my federal student aid loans. They transferred to XXXX without my permission.
Product: Credit reporting or other personal consumer reports

Background : It has been confirmed that the car loan previously associated with this vehicle was fully satisfied and paid off as of XX/XX/year>. Evidence of this full payment was formally acknowledged by your institution, and the title of the vehicle was subsequently transferred legally into the XXXX XXXX XXXX XXXX XXXX. Documentation confirming both the payoff and the title transfer are held by the Trust and have been previously furnished to your office. As well as attached to this letter.

Issues : Despite these clear and lawful actions, XXXX XXXX XXXX  has continued to assert that a debt is still owed and has pursued collections activities. These actions include communication attempts to collect a debt and reporting of this alleged debt to credit bureaus, thereby damaging the My credit standing and reputation.
Product: Debt collection

Portfolio Recovery has been contacting me since XXXX 2015 or earlier, for collection on a XXXX credit card account that belongs to my husband, who filed for bankruptcy. The XXXX account was settled in bankruptcy court, so they were paid an allotted amount. I did not apply or use the card, ever. My husband 's bankruptcy has been discharged since about XXXX 2015. I have explained this to XXXX representatives of Portfolio Recovery. The XXXX said she would send me a dispute form ... never happened. The XXXX said he saw where the issue was resolved so he was going to " send it up '' because I did n't owe the debt. The XXXX called last week. She said I owe the debt because I was not involved with the bankruptcy. I argued with her because I have not apply for, or used this card, ever. After I speak with a representative, they stop calling for a week or so. Then, they call several times per day while I am at work and then when I am at home. They continue to harass me. What recourse do I have? They put this on my credit report! What can I do about that?
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax about the inquiries that was showing on my report.. the representative informed me that they had to do an investigation.
Product: Debt collection

I have been receiving phone calls, all from different numbers with false caller Ids. Todays call was supposedly from XXXX XXXX XXXX. 
When I answer they say their name and ask for me. I ask whos calling and they say their name again and ask for me. I ask what company are they calling from and theyll just ask for me again. I tell them we can not proceed until I know who they are calling for. Theyll either say theyll try back again and hang up or theyll say theyre calling from HRRG . When I ask what HRRG stands for theyll just ask for me again. When I tell them they are legally required to identify themselves theyll either 1 ) hang up 2 ) say I told you HRRG or 3 ) ask for me again but never will they tell me who their company is.

In this day and age Im not about to just start giving out personal info to a stranger who calls ESPECIALLY one that hides behind fake caller IDs and keeps switching their phone numbers. They say HRRG is the name of the company but thats a lie. I know its Healthcare Revenue Recovery Group but Im not cooperating until thru follow the law and identify themselves as a debt recovery company. Besides the fact XXXX dont have any healthcare debt Im sick of companies just breaking the law and getting away with it and continually harassing me with these calls. If their business is legit then they should have no problem identifying who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Citi Both companies agreed to remove off of credit and it remains.
Product: Money transfer, virtual currency, or money service

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 unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations Im seeing.
Product: Checking or savings account

I deposited XXXX dollars into Citizens Access Bank in XX/XX/XXXX. Once deposited, I was not able to close the account, take the money out or even get a reason as to why my account was on hold. I called 4 times about the issue and even escalated the call and never got a reason.
Product: Credit reporting or other personal consumer reports

Thing been appears on my credit reports thats not mine
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX. XXXX XXXX Account Number : XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about XXXX XXXX XXXX XXXX XXXX  Account # ending : XXXX with the balance of {$5100.00} ( Date open XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Debt collection

On XX/XX/2019 I called and spoke with a Very Rude employee who just kept over talking me and claiming i owed XXXX for a Cell Phone. I ask them to send me proof and they will not
Product: Credit card

On XXXXXXXX XXXX I got email stating that they were not able to approve account for new Chase Freedom XXXX On XX/XX/XXXX I got another alert on that JPCMB was trying to pull my credit report for another Chase Freedom XXXX I have 2 hard inquiries that I didn't request a new account.