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

This complaint shall serve as a formal notice of my intent to pursue litigation, due to your disregard for the law.
TRANSUNION claims to have somehow verified several items I have previously disputed. Therefore I legally requested a description of the procedure used to verify the items. My last correspondence was dated XXXX XXXX, 2017 where I requested for the second time, the method of verification used to verify the items/accounts that I disputed. As of XXXX XXXX 2017, TRANSUNION has not responded or complied with this request and have thus not performed your duty according to the law.
Federal law requires you to respond within 15 days ; it has been nearly 60 days. Failure to comply with these federal regulations by credit reporting agencies is investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you in regards to this matter ; for the purpose of pursuing litigation if needed, if TRANSUNION continues to disregard and violate the law. For the record the following items are being erroneously reported on my credit file.
1. XXXX XXXX XXXX XXXX, reported balance {$2500.00}, truncated account number XXXX 2. XXXX, reported balance {$2200.00}, truncated account # XXXX 3. XXXX, reported balance {$1500.00}, truncated account # XXXX 4. XXXX, truncated account # s XXXX provided on credit report twice, Balance {$0.00} TRANSUNION claims to have verified these items but they refuse and have failed to provide the method of HOW these items were verified by providing the following information for each of the items. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all of the information that was transmitted to the data furnisher as a part of the investigation as required by the Fair Credit Reporting Act : Who did you speak with? What was the date? How long was the conversation? What was their position? What number did you call? What is the name of your employee that spoke with the creditor? What is the position of your employee that spoke with the creditor? Also, in accordance with the FCRA in addition to the above requested method of verification information, TRANSUNION needs to obtain and provide the original copy of the loan application from each creditor listed, that I am disputing in this correspondence, that is signed by me ( XXXX XXXX ) If you do not either verify all the reported items/accounts completely, lawfully and legally according to the FCRA or remove these items/accounts within 15 days of receipt of this correspondence, I will be seeking my lawful and legal remedies through litigation. As stated before, I am keeping records of my communications with you. Thank you for your prompt attention in regards to this very important matter.
The above text in a letter form was sent to Transunion on XXXX XXXX 2017 via certified mail and received on XX/XX/XXXX per USPS tracking. It is attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report continues to display inaccurate addresses and telephone numbers combined with inaccurate non-verified collections.
Product: Credit reporting or other personal consumer reports

I purchased a car with a check from my bank, when I got to the dealership they ran my credit by mistake and I have a written letter by them stating the fact, but these ppl that experian outsource in other countries dont understand that process and keep making up things as they go not to remove these inquires, my next step is taking legal actions towards experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Accounts DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2000.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$5500.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$4500.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred 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
Product: Credit card

As per their statement from Goldman Sachs XX/XX/XXXX and CFPB complaint XXXXXXXX They agreed and backdate the payment of {$10.00} to XX/XX/XXXX. Goldman Sachs sent a statement to that effect dated XX/XX/XXXX. Goldman Sachs refuses to follow up to the credit bureaus per an email received XX/XX/XXXXXXXX 

Please add myself as a claimant to the recent fine imposed on Goldman Sachs. They have refused to restore the damage they have done to my credit and buying power for a {$10.00} charge. I never received a bill from Apple. It my have been titled Goldman Sachs. I had no way of knowing the affiliation. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and to my surprise there are several accounts on my credit report that don't belong to me. I have never applied for these accounts, I never used these accounts and, I never received any benefits or goods from these accounts. The accounts listed below are all a result of identity theft. 

XXXX XXXX XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, Bal : {$500.00}, XXXX XXXX XXXX XXXX XXXX, SD XXXX, XXXX XXXX, Email add : XXXX - XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, Bal : {$65000.00}, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, Email add : XXXX XXXX XXXX XXXX XXXX acct # XXXX, Date open XXXX, Bal : $ XXXX XXXX XXXX, IL XXXX XXXX XXXX, Email Add : XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX acct # XXXX, Date open XX/XX/XXXX, Bal : {$67000.00}, XXXX XXXX XXXX XXXX XXXX, TX XXXX, -XXXX XXXX XXXX XXXX, acct # XXXX, Date open XX/XX/XXXX, XXXX : {$5000.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX, Email Add : XXXX -XXXX XXXX  XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, XXXX : {$35000.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, Email add : XXXX - XXXX XXXX  XXXX acct # XXXX, Date open XX/XX/XXXX, XXXX : {$5000.00}, XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX, Email add : XXXX -XXXX  acct # XXXX, Date open XX/XX/XXXX, XXXX : {$1400.00}, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX, XXXX -XXXX XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, XXXX : {$2800.00}, XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, Email add : XXXX XXXX XXXX XXXX, acct XXXX XXXX XXXX Date open XX/XX/XXXX, XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, acct XXXX XXXX, Date open XX/XX/XXXX, XXXX : {$2500.00}, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX acct XXXX XXXX XXXX Date open XX/XX/XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Email Add : XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, XXXX : {$75000.00}, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX Email add : XXXX Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my identity theft report, I am writing to request that you place an immediate block on the following fraudulent information in my credit file upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XXXX  Please remove it from my credit report. 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. Also My name is wrong and needs to be updated to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines.

Under the United States Code Law 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy.

You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 

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, credit repair services, or other personal consumer reports

I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX XXXX. XXXX XXXX {$5700.00} XXXX. XXXX XXXX Bank {$2800.00} XXXX. XXXX XXXX XXXX {$15000.00}
Product: Checking or savings account

Navy Federal Credit Union allowed third party services to withdraw funds from my checkings account then charged me an NSF FEE for the same charge multiple times. The account was active but yet no direct deposits were being made into the account. I believe they intentionally done this so they can retain money for when we money would become available into the account leaving my checkings account to close. However, I am still an active member holding a savings and credit card with the company.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX* Date Opened:XXXX Balance : $ XXXX Collection
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. it's my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify Account name : XXXX & XXXX, Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under several U.S. Codes 15 U.S.C 1681 Section 602 A. States I have the right to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions 31 U.S. Code 3123 - States I as an Original Creditor, and consumer don't owe debt, Payment of obligations and interest on the " public debt ''. The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX this creditor, has violated my rights.

15 USC 1681 Section 602 states, I have the right to privacy.

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

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. XXXX XXXX XXXX  is reporting a charge-off to my credit report that is not even their debt because they have sold the debt to a debt collector ( see attachments ). That makes the account on my credit report inaccurate and this account must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I sent a conditional acceptance to DISCOVER asking for proof and verification of the alleged credit card debt. In this document DISCOVER tacitly agreed that any negative credit remarks would be removed from credit bureaus. 
DISCOVER failed to provide satisfactory evidence of valuable consideration or any valid contract for the alleged debt, and has refused to remove the negative credit reports from my accounts at the credit bureaus as of XX/XX/23. 

Furthermore, a notice of default with opportunity to cure was sent on XX/XX/23 and delivered XX/XX/23, giving DISCOVER one last chance of three days to prove any debt or valid contract, which they never responded to, tacitly agreeing that the account is paid in full or otherwise settled.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX still will not comply with the removal of all discrepancies and collections from my accounts per listed Laws. 

15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B I have been a victim of Frude with all three reporting agencies.
Product: Debt collection

I have written to Parramount two times but they failed in both cases to properly validate the debt as required under the Fair Debt Collection Practices Act ... specifically they could not show me my signature on this alleged debt. Their continued listing this item on my credit report is a collection attempt which is barred under the the FTC XXXX opinion.
Product: Money transfer, virtual currency, or money service

I deposited XXXX. XXXX owned to XXXX XXXX I deposited XXXX FIL coin owned to cXXXX XXXX And some other coins I already owned like {$300.00} worth. 

All in all about {$2500.00} worth of coins Anyways I made two purchases for {$350.00} each on crypto on XXXX XXXX. 

My bank rejected the transaction so XXXX XXXX  disabled the trades and withdraws on not just what I bought but ON THE ENTIRE ACCOUNT HOLDING MY MONEY XXXX. 

This is a OUTRAGE .... anyways i resolve the bank problem and a few days later. And XXXX XXXX is now paid. 

But now they still have my account disabled I canr withdraw my crypto they refuse to respond to a email they just keep emailing saying they are " sending my email to a specialists which according to users online who have issues with XXXX this is there way of saying XXXX you were never fixing the issue.
Product: Credit reporting or other personal consumer reports

Equifax has been reporting consumer transactions improperly. 15USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) clearly states that transactions between the consumer and the Person/Corporation making the report are NOT included on the consumer reports. XXXX continues to report this information. The reporting of excluded information pursuant to 15USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) on a Consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a Consumer Reporting Agency. I need the the transactions reporting as late, Collection/Charge Off status and any other derogatory information deleted from my Consumer reports effective immediately. Before you assume to reply that this account has been " Validated '', let 's be transparent that I am not asking you to validate or verify anything. So please do not respond with that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax & the creditors reporting Collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26USC ss 6050p Returns relating to the cancellation of indebtedness by certain entities. If this derogatory information is not deleted from my consumer report within 15 days I will be compelled to officially file IRS 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against all entities involved.
Product: Credit card

XX/XX/year>, Capital one charged me {$250.00} interest due to new credit card 0 interest promotion expired after 12 months. 

XX/XX/year>, I contacted capital one account manager to dispute the charge. 

The dispute reason is : the lender should provide notification letter in advance to let customer aware of the promotion is expiring, stated the charge date and interest amount.

Charge interest without notice, it is illegal in the U.S. 
Also, when customer open the new account and take the 0 promotion offer, the lender has obligation to send a notification letter before charge. It is a common sense that the customer can't keep tracing the interest offer back to 12 months ago. 

Capital one didn't state when the promotion end and interest payment amount on each month 's bill statement. 

I highly recommend CFPB investigate my case and pursue my case as example to protect all American credit card holders to avoid the similar greedy interest payment from lenders.
Product: Credit reporting or other personal consumer reports

Experian had failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax multiple times about inquires that were not endorsed by me. Equifax ignored my correspondences and refused to remove the inquiries. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Checking or savings account

Wells Fargo charged me overdraft fees even when there is amount to cover the amount. Most fees refunded to me were half and one time I caught them and called to forcefully refund me the full amount
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/XXXX, I called Experian and XXXX  because there are three accounts that are reporting on my credit report that I feel are inaccurate. I am not sure where these accounts came from and it was recommended to me to write a letter to the credit bureaus asking them to investigate these accounts. When I called Experian and XXXX, they both stated that they never received anything from me. 
On XX/XX/XXXX, I sent letters to XXXX, Experian, and XXXX. The letter to Experian was sent certified mail ( Tracking number XXXX XXXX XXXX XXXX XXXX ) and was delivered XXXX XXXX. The letter to XXXX  was also sent certified mail ( Tracking number XXXX XXXX XXXX XXXX XXXX ) and was delivered XX/XX/XXXX. 
A few weeks later I received a response from XXXX  stating that the accounts in question were deleted and removed from my credit report. I have never received a response back from Experian or XXXX. I continued to send letters to them on XX/XX/XXXX and XX/XX/XXXX. Still no response from either company. I was highly upset when I called them, and they claimed that they did not receive anything from me. When I first sent letters to them, I included a copy of my drivers license and my social security card. I am concerned that these may have fell into the wrong hands at one of these companies. 
I feel that my rights have been violated under the Fair Credit Reporting Act, please comply to my request and remove the information that does not belong to me. You can see the accounts that were disputed on the attached documentation.
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH THE FAIR CREDIT REPORTING XXXX XXXX XXXX ACCOUNT XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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