23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is an elaborate mechanism that has assumed its role in reporting on behalf of I the Consumer without my written instruction to do so violating my federal right to privacy. Under 15 U.S. Code 1681 ( 4 ) there is a need to ensure that consumer reporting agencies exercise their GRAVE responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers RIGHT to PRIVACY. TRANSUNION is in violation of Federal law 15 U.S. Code 1681b ( a ) ( 2 ), I DID NOT give TRANSUNION a written notice to report on my behalf. TRANSUNION is violation of the following Federal Laws. 15 USC 1681e ( a ) - U.S. Code 1681a ( 2 ) ( B ) - 15 USC 1681i - 15 U.S. Code 1681e ( b ) - 15 USC 1681 - 15 USC 1602 ( p ) - 15 USC 1681e ( b ) - Regulation V 12 CFR 1022.3 - 15 U.S.Code 1681a ( q ) ( 3 ).

TRANSUNION is in violation under 15 U.S.Code 1644 ( a ) - Fraudulent authorized use of a credit card such as a license plate, social security card, XXXX card, can result up to a XXXX fine.
Product: Credit card or prepaid card

They declined me and wont tell me why as they always do
Product: Payday loan, title loan, or personal loan

I was interested in laser hair removal from XXXX XXXX. I spoke with consultant over the phone amd we set up everything when I was accepted for a loan from fortiva. However, my first appointment was not for approx 2 months away now mind you I have never even stepped foot in an office nor was there a fee for the consultation and they were calling me before I even had any services or appointments telling me my payment was passed due. It is still in my credit they were suppose to send a letter closing it and I'm still being harrased at XXXX and sometimes XXXX  at night thank you for investigating this.
Product: Credit reporting or other personal consumer reports

The original creditor is : XXXX XXXX XXXX XXXX, the rent an apartment to a person named XXXX XXXX XXXX, this person did not paid the amount of {$2800.00} so now Genesis Credit Managemen put me on collections and is affecting me XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Credit card or prepaid card

Reference complaint XXXX. Chase- while still resolving fraudulent charges on an account I closed because of the fraud, CFPB you can see their letter attached to the referenced complaint, notice the date and then think out loud how long it takes for said dated letter to show up at my mailing address - charged me late fees and 'purchase interest charge ' for the prior period while all this fraudulent XXXX was still pending resolution! In which they admitted they were wrong! How is this possible? How is this fair? How often is this happening to Chase consumers, at scale? And this income is showing up in Chase 's SEC filings? Hello - anyone care anything about this madness?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My issue is with XXXX XXXX. XXXX. I 100 % believe this is a scam collection agency. I graduated from XXXX College XXXX. DeVille says my account was opened in XX/XX/XXXX and it's a private collection. They contacted me XX/XX/XXXX to make payments on a account that is worth {$22000.00}! I have sent money ( {$50.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX ) I tried on many different occasions to contact the company, but the number was always to a different company. I also sent them a letter in the mail XX/XX/XXXX stating my new home address I received NO RESPONSE. I became Extremely Suspicious XX/XX/XXXX when this so called " TEXAS BASED company called me on a Saturday Morning from a XXXX WASHINGTON DC BASED phone number! What company calls on a SATURDAY MORNING from a completely different number? I will no longer send them any money and I WANT THIS FAKE COMPANY OFF MY CREDIT REPORT!!
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are reporting an allege charge off account on my consumer report listed as XXXX XXXX XXXX XXXX XXXX  I would like the consumer agencies to send me the account documents they used to verify this information as its on the consumer agencies to provide the burden of proof so either prove you completed a reasonable investigation by providing proof of validation. If you do not within 7 days of this report I will sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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
Product: Credit card

Chime has no way to close the " secure credit card '' portion of Chime & the application needs to be redesigned.
Product: Credit card

My discover credit card (account number ****************) was closed by Discover XXXX. But they never warmed me before nor explained to me that how I violated their policy.
Product: Credit reporting or other personal consumer reports

This child support problem and many more problems. The child support emails from them court orders that are blank where it says behind. No support documents from the child support agency that shows I am behind. The child support agency has reported for fraud this doesn't help there case because they refused to go off the motions and court order.
Product: Consumer Loan

I requested a cash loan. I was told that I qualified for the loan but had to list personal property to secure the loan. I was then told that I had to also purchase property insurance to make payments in the event that I defaulted on the payments. I was told that the loan also came with life and XXXX insurance and road side assisstance. These products were NOT offered to me as an option, but rather a condition. I was told all premiums would be prorated only for the months the loan remained active. When I returned the next month to pay off the loan in full all before the first monthly installment was ever due. I was told that I owed all of the money I borrowed plus 403 %. The cash I received {$2000.00}. All insurance was never used and cancelled. Total payments demanded {$2700.00} ... .. all before the 1st payment was ever due!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I officially informed the agency via certified mail of my status as a victim of identity theft. Despite this notification, as of the current date specified here XX/XX/year>, the agency persists in maintaining transactions in their records that originated from the fraudulent activity. According to Section 605B of the Fair Credit Reporting Act, consumer reporting agencies must alert the entities supplying information about potential identity theft when an identity theft report is presented. I provided the necessary FTC reports along with a requested block of this questionable information. Once notified, per Section 623 ( a ) ( 6 ), these furnishers are obligated to cease reporting any data identified by the consumer as arising from identity theft within four business days of receiving : Adequate proof of the consumer 's identity ; A copy of the identity theft report ; Consumer identification of the disputed information ; and A consumer statement affirming the information is not linked to any transactions they conducted. Despite fulfilling these four criteria and attaching them to this complaint, the agency has not complied with FCRA 15 U.S. Code 1681c2, which mandates blocking such information within the specified time frame. This oversight constitutes a legal breach, exposing the agency to potential civil liabilities for damages I incurred due to this noncompliance, as outlined under 15 U.S. Code 1681n.
Product: Credit reporting or other personal consumer reports

Im writing to dispute and report instances of identity theft on my credit report, which i have identified as violations of my consumer law under 15 us code 1681 c-2, upon reviewing my credit report, i have disocevered unathorized accounts and inquiries that are the result of identity theft. These acounts and inquiried were not intiated or authorized by me and therfore they do not reflect my true financial history or activity. Under the fair credit reporting act section 695b and 15 us code 1681c02 I am entitile to request the removal of any inaccurate or fraudelnt information from my credit report. I am requesting that you remove these accounts and inqurieid withing 4 days from my credit report asap. Enclosed is copies of the relevant section of cxonsumer law and supporting documnet of my identity. Provide updated info as stated by law within 4 days. for the following. 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
Product: Mortgage

I would like to report what I call illegal business practices. Wells Fargo Bank claims that they sold my heloc to a LLC that had their license revoked and could not perform according to the contract they sold. They did not report this to the IRS and will not provide the documentation even though there is a subpoena and a notice to consumer. On XX/XX/XXXX I called Wells Fargo executive offices and spoke with the woman in charge, XXXX XXXX regarding the message she left on my phone stating that she had mailed me a letter responding to my complaint to your agency. The conversation was more of the same. She will not provide me with a copy of the company policy stating whether or not it is customary and legal for Wells Fargo Bank to sell the servicing to a company that can not perform according to the contract who also had their license revoked making it illegal for them to do business. <P/>XXXX, XXXX had their license revoked at the time that Wells Fargo Bank claims they did this transaction. They were not an investment firm they were an LLC and used the same name and business license that the secretary of state revoked. The IRS had their license revoked making it illegal for them to do business. <P/>XXXX XXXX from the subpoena department stated that the executive office requested my file and they were not to send any information requested by subpoena because the executive office would be handling it. XXXX XXXX stated that she was the one that requested the information, but did not tell the subpoenaing department not to send the information requested in a legal subpoena duces tecum. The information has not made it to the courthouse yet even though they asked for an extension. <P/>The letter they claimed to have mailed me in XX/XX/XXXX regarding selling the heloc does not have their, Wells Fargo Bank letterhead and it looks like it was not the original letter. It looks manufactured. <P/>I also requested a copy of the letter and check that they mailed me in XX/XX/XXXX stating that they did an audit on my account and noticed they owed me some money from when the loan was originated. They now claim they can not locate the letter or the check. <P/>My Heloc loan number is XXXX. The address to the property for the equity line is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

Around XX/XX/2023 I mailed disputes letters to TransUnion and the creditor, requesting proof of the alleged credit card debt. As of XX/XX/2023 I have mailed 3 dispute letters to the credit bureau and the creditor and still haven't received proof of the alleged debt with my signature
Product: Debt collection

Repeatedly tried to contact Southwest Credit Systems L.P. to verify a collection account on my XXXX, XXXX  and XXXX credit reports. I have not been provided any information on the account that is damaging my credit and ability to obtain new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Transunion is of committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item on ALL my consumer reports unethically. This is an invasion of privacy 1692 ( a ) and they are in violation. I have been down to the local courthouse several times and they told me they have not reported anything to these bureaus. So, how are they getting this information. This is a serious violation and this item must be removed from my consumer report. These companies are committing illegal acts against me by placing these inaccurate items on my report. I have been denied employment twice already because of my consumer report. These companies are under investigation by the ATTORNEY GENERALS OF THREE STATES, THE CONSUMER SENTINEL, THE CFPB, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SYFFERING AND ILLEGAL ACTIVITY.
Product: Credit reporting

Dear sir/madam, It looks like the credit bureaus have XXXX files on my name : first associated with my SSN and second associated with my business XXXX. Every time when I 'm trying to apply for credit card my application declined. I sent all proofs of my documents to all bureaus, called them but still no success. 
So i need to merge both my files to XXXX correct.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I used the Zelle app. They wouldnt allow me to change my bank card info to receive funds. They would not give me the money that was there. This happened XXXX. They wont give me a reason just the run around now theres no money there and the senders didnt receive it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account.
Product: Debt collection

XXXX XXXX XXXX is trying to collect a debt from collection company for the same amount each.. XXXX the amount of {$550.00}
Product: Debt collection

Company is reporting on al l  XXXX   credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail Also sent me a letter in the mail from a lawyer who I do not have a contract with to pay Included all forms of communication in the below files, including the letter to the law firm. Also, the company is Synchrony Bank, Reports as Care Credit as well and now the law firm.
Product: Credit reporting or other personal consumer reports

I saw that my XXXX score went down by approximately XXXX. I have always had stellar score. Upon investigation I saw that there is an account closed with a balance on my report that IS NOT MINE. 

See below : XXXX XXXX  BAN XXXX {$950.00} / {$800.00}
Product: Debt collection

One of our accounts with portfolio recovery was already closed in our favor for fraud we sent in all the things and while we were doing that we found out there is another case that they have They said that we would have to contact the lawyers office that represents them and when I did, the lawyers office was rude and noncompliant XXXX XXXX XXXX XXXX not sure when this went into effect its synchrony bank. I dont know the amount.
Product: Credit reporting or other personal consumer reports

15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries AFFIDAVIT Notice, it is a fact, EXPERIAN is aware, THOSE inquiry ARE unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). REMOVE INQUIRIES BEFORE I take legal ACTION
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Please see the attached XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ( dba ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( dba ) in XXXX  as XXXX XXXX XXXX XXXX  dated XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint directly from XXXX that there is a different addresses that I never lived there before. Issue was not fixed. I'm still able to see it on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account Number- XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by FACTUAL DATA OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Product: Mortgage

My loan has been transferred from SLS financial to Shellpoint mortgage ( aka Newrez ). Before the transfer happened, I was signed up with bi-weekly payments so that I can pay off my mortgage earlier. 
The last of these payments were taken out from my checking account on XX/XX/XXXX. 
I was expecting another payment to be taken out in XXXX XXXX and that never happened. 
I logged on to my mortgage account online and I noticed the following errors : - # XXXX. It showed that I was charged a payment on the XXXX of XXXX but that payment never came out of my checking account. 
- # XXXX. This payment that was taken out, showed as a payment that was applied to principle only. 

I have been calling the company EVERY DAY since XX/XX/XXXX and every time I talked with a representative I was given a run around. In some instances, reps were putting the blame on my bank, which has nothing to do with the whole process. Regardless, I called my credit union and they told me they didn't see a transaction initiated by my mortgage company. 

After each call I was either treated with disrespect or was told that the issue would be resolved in a matter of XXXX hours, which has not happened. In addition to all this, their website prevents me from making payments online so that I can at least make sure that payments are received. 

I just don't want to fall behind in my mortgage as a responsible customer. Shellpoint mortgage is not even letting me.