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

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Amount : XXXX I previously submitted a dispute to transunion regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Transunion failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Transunion upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed fraudulent accounts XXXX also attaching proof of address etc I disputed with TRANSUION & XXXX via XXXX mail with proof of identity theft In which according to section. 605 b of the fair credit reporting act those accounts disputed should have been removed within XXXX buisness days however they were not in which TRANSUION & XXXX decided not to properly investigate and remove those items nor did they take my identity theft into a serious matter this has caused emotional distress so now I have no choice but to XXXX TRANSUION. & XXXX both for {$XXXX} each for damages they have caused I will also like to add they have also violated the fair credit reporting act clause in which thats also a legal violation under the fcra law if these accounts do not be removed in 4 days i will file a legal suit also I XXXX want to add if both parties TRANSUION & XXXX do not send out my {$XXXX} emotional damage check I will sue as well
Product: Credit reporting or other personal consumer reports

Experian information solutions , inc. dispute department XXXX XXXX XXXX, XXXX XXXX, CA XXXX I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting verification of the following accounts that XXXX continues to report on my credit file XXXX XXXX XXXX XXXX XXXX # XXXX & XXXX XXXX # XXXX. XXXX listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification on XX/XX/XXXX. On Thursday XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report XXXX and spoke with agent, she informed the security freeze was placed on my consumer file # XXXX as XX/XX/XXXX, I have attached a copy of my security freeze confirmation from XXXX confirming the freeze date. After reaching back out to XXXX with same old script, " your account has been verified via XXXX ''. No record of any inquiry from XXXX or mode of verification from XXXX XXXX showing on my XXXX XXXX credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Product: Debt collection

The original collection company I had this debt with moved my debt to a different collection agency once I disputed the debt with them. They also have the wrong dates on my account and every time I dispute the information, they change dates around on my credit to make it appear as a new debt.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX CARD Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX CARD Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX  Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX of inquiry : XX/XX/2024 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Vehicle loan or lease

I paid off my auto loan on XX/XX/28 an I have to receive a refund of {$710.00}. I have been following up with them since then and calling them every other week and they say we are processing your check, but I never really received my refund check yet as of today XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 I opened a Discover credit card. I always make my payments on time. During the time of my divorce i was late on some payments. I since then have paid of all the entire balance and the account has been closed. I had during the time of my divorce spoke to a manager at Discover who assured me that they understood my situation. I was told that if i paid of all of the balance on the account that not only would the account be closed but that they would remove any delinquency reporting on my credit score. As of XX/XX/XXXX the delinquency is still reporting on my credit. I have a XXXX  $ balance and the account has been paid off for a really long time. I called again and another manager reassured me that everything would get removed as of last billing cycle. IT has not. At this point I am trying to get a loan for a mortgage and this is severely affecting my ability to qualify. Discover had promised me by now that this would all be resolved.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  Account number XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to transfer money from my Wells Fargo account to my Father 's XXXX XXXX account via XXXX. I had previously received a transfer from my sister via XXXX and had no problems. I entered my fathers name and cell phone number into the system and transferred {$870.00} to him to be done immediately. A confirmation number of the transfer was sent to my fathers phone number from XXXX   XXXX XXXX. My father not having the funds in his account contacted me to follow up. I contacted Wells Fargo and reported the funds were not received by my father at XXXX XXXX and that he received a notice from XXXX XXXX XXXX confirming the transfer. Wells Fargo said they would investigate. My father received a phone call on his cellphone in the next couple of days from XXXX  XXXX XXXX indicating that there was fraudulent activity on the account. When he contacted XXXX  XXXX XXXX they told him that they could not discuss the matter with him as he had no account there. Wells Fargo sent me a letter about 2 weeks later stating that they had completed the transfer as asked and disclaimed all responsibility in the transaction. In fact the person who I talked to on the phone after receiving the letter indicated that " I had to learn the hard way on how to deal with XXXX. Wells Fargo claimed that the name on the XXXX XXXX XXXX account and the cellphone matched so they were absolved of any responsibility. Apparently there is no verification of the name on the account by XXXX upon transfers. XXXX XXXX XXXX refuses to confirm the identity of the individual whose account the funds were transferred into as well. Meanwhile I am stuck out {$870.00} for transferring funds to my father whose cellphone was on him and has received all the confirmations of the transfer as some random party was given the funds.
Product: Mortgage

Hello, My Mortgage company Ditech did an escrow analysis on my account in XXXX and raised my mortgage by {$47.00} per month without notifying me. I called and was told that they did the analysis in XXXX and sent out a letter. However I did not receive any letter from them. Escrow analysis normally done in the beginning of the year. Can you help me. If I had gotten the letter then I would have paid the increase as I am living ona budget. 



My name is XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo placed hold on {$3000.00} check even though the check cleared the other financial institution. Wells Fargo is giving very poor excuse that my checking account had overdrafts in past 6 months but whether an account had overdrafts or not has absolutely nothing to do with whether a check is good or bad. Once the check clears ACH Clearing House overnight then Wells Fargo can confirm the check is good. We have also contacted the other bank and they confirmed it has cleared. I have never has a returned check in my life for deposit with Wells Fargo. Wells Fargo has no business placing hold on a good valid check and using irrelevant reason of overdraft as reason for hold. One has nothing to do with the other. Wells Fargo is displaying extremely poor judgment especially now during Global COVID 19 Pandemic. Wells Fargo does not know or care if I have bills that need to paid, or need to buy groceries or go to doctor. Wells Fargo should not be doing this any to customers. Wells Fargo should be ashamed of themselves.
Product: Credit card or prepaid card

At the time of that vanity to gain access I believe all my personal information including my Social Security number was used to open up accounts without my permission and my authorization I hope I submitting this it will put a stop to this issue from ever occurring
Product: Credit reporting or other personal consumer reports

im a victim of identity theft I recently made a report with identity theft due to these circumstances, this is affecting my credit score and need this resolved immediately. there are charge offs and negative accounts
Product: Consumer Loan

I had a loan though XXXX, they sent me damage furniture and XXXX XXXX agreed to settle with me and gave me my money back and cancel the loan. I asked XXXX to remove all derogatory and negative impacts from my credit report and they did. XXXX and XXXX XXXX has removed this from my credit report but Experian refuses to remove that account after submitting several disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This process is my follow-up request to fix this account : XXXX XXXX Balance : {$1900.00} The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that the disputed account gets corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting

On my Transunion credit report, there are XXXX adverse accounts According to this report : XXXX. Both balances are over {$600.00} as of XXXX, XXXX. 
Date opened XXXX/XXXX/XXXX. Revolving account. 
This account is unfamiliar to me. I have never even used a XXXX XXXX card. I have tried to find information on the details of the transactions on this card, with no success. I will pay the balance on this card if it can shown to me that I used it. To my current knowledge, this card was never used by me. I 'm upset by this. My credit score has suffered greatly due to this matter. 
Including losing XXXX XXXX XXXX XXXX cards due to my low credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 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. 
XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I was shocked to discover inaccurate accounts suddenly appearing on my credit report today, with no explanation. When I checked as usual, unexpected discrepancies showed up. I tried refreshing my browser, thinking it might be a glitch, but nothing changed. Now, Im requesting that the documents Ive submitted are thoroughly reviewed to prevent this issue from happening again.
Product: Credit reporting or other personal consumer reports

I am filing this CFPB complaint along with an Identity Theft Affidavit to report 5 separate fraudulent accounts which is appearing on my consumer FICO credit report, which I do not recognized as reported, and which are a result of identity theft and fraud. These fraudulent accounts consist of a collections account with CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number ( private ), I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports, and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

Experian refuses to send me their method of verification by the data furnisher, yet the keep saying my dispute has been verified and updated. 

see attachments!
Product: Debt collection

# 1. Not doing due diligence and debt verification - even after repeatedly showing discrepancies in the collections amount. 

# 2. Encouraging me to pay up disputed amount Encouraging me to pay because I am receiving a 30 % discount # 3. Detail emails questioning validity of the collection amount sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
No response. 

# 4. Called walked thru the discrepancies XX/XX/XXXX - received acknowledgment the agency understood what I was talking about. 

I am disputing the amount that added up to {$540.00}
Product: Credit reporting, credit repair services, 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. 
Account name : # XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX. 
Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX has violated my rights. 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.

15 U.S.C 1681 c. ( 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. 1681 s-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.
Product: Checking or savings account

XXXX recently merged with PNC. I had a mortgage with XXXX, which transferred over to PNC in XXXX. PNC then created a virtual wallet account without my consent and started a monthly auto draft from this virtual wallet to pay the mortgage, which I also did not consent to. This auto draft could not be seen or managed on the PNC website. I paid my mortgage on XX/XX/2021 via ACH withdrawal from XXXX XXXX ( {$8400.00} ). Even though the payment went through just fine, PNC still withdrew the full mortgage payment amount from the PNC virtual wallet on XX/XX/2021. They then sent me an email saying that the wallet was now in overwithdrawal and demanded that I deposit over {$8000.00} within XXXX hours or get a overwithdrawal penalty - even though I did not authorize this extra payment on the mortgage. 

I called customer service, who said that they could not stop the payment. They said that I would be penalized with overwithdrawal fees if I did not deposit {$8000.00} within 24 hours. They also said that they were unable to stop future auto drafts from the virtual wallet on their end- they would have to forward the request to another department, which would take approximately 3 days to cancel FUTURE payments. They are FULLY aware that customers can not see or manage this auto draft on the website.