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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

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

On Sunday XX/XX/2023 around XXXX A lady identified herself as attorney XXXX XXXX XXXX GA XXXX # XXXX working for XXXX XXXX XXXX XXXX XXXX went to my parent 's house, knocked on their door. My dad answered the door but he doesn't speak English so my XXXX XXXX XXXX who was there at the time came to the door. The lady handed him a stack of court paper over 60pages and pointed out the information on the first page and explained to him that I owed XXXX XXXX about {$10000.00}. She told him that I need to call her within 30days to resolve. She also asked him to translate that to my Dad who wasn't at the door anymore but my son said it's ok and then she drove off. He was shocked and traumatized by the information so he called me. I have to rush over to the house to get the paper and calm him down.
Product: Vehicle loan or lease

I financed a loan with American Credit Acceptance, only to discover that ACA is suspended from conducting any loans or brokerage transactions in California in 2014. Despite signing my contract in XXXX of last year, I recently learned about this suspension. I filed a complaint with XXXXXX/XX/XXXXfive months ago, but I have yet to receive any response regarding this matter.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX Opened XX/XX/2017 allegedly owe : {$1600.00} I have been a victim of identity theft I have not opened a credit card account with this bank. I have filed an FTC report and now I'm filing this CFPB complaint as well to get help to dissolve this inaccurate information being reported and improve my credit file so I will be able to obtain the work and home opportunities, I can not obtain due to fraudulent, and inaccuracies being listed on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed an account from XXXX. Per the agency they submitted a deletion request due to this account not being mine. Spoke with representative of Transunion on XX/XX/XXXX and the representative stated this was not coming off because it was validated.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion for FCRA Violations and Failure to Remove Fraudulent Accounts To Whom It May Concern, I am submitting this formal complaint against TransUnion for its continued failure to comply with the Fair Credit Reporting Act ( FCRA ) and refusal to remove fraudulent accounts from my credit report despite my submission of legally valid documentation. 
Issues with TransUnions Handling of My Dispute : 2. Illegal Reinsertion of XXXX XXXX XXXX Account ( FCRA 611 ( a ) ( 5 ) ( B ) ) * TransUnion previously removed this account but has since reinserted it without proper notification or certification. 
* This is a clear violation of federal law, which requires proper verification before re-reporting a previously deleted item. 
4. Failure to Remove Fraudulent Identity Theft Accounts ( FCRA 605B ) * I submitted an FTC Identity Theft Report and a Police Report, yet TransUnion refuses to comply with federal requirements and remove the fraudulent XXXX XXXX XXXX account. 
6. Failure to Provide Verification ( FCRA 609 ( a ) ( 1 ) ( A ) ) * I have repeatedly requested documentation proving that the disputed accounts belong to me, but TransUnion has failed to provide any signed contract or original application. 
* Simply stating that the account is verified without providing supporting documents is an FCRA violation. 
8. Refusal to Remove Unauthorized Hard Inquiries ( FCRA 604 ) * TransUnion has refused to remove multiple unauthorized inquiries from my credit report, despite no evidence of my consent for these inquiries. 
10. Failure to Remove Outdated Personal Information * TransUnion has also failed to remove outdated phone numbers and addresses from my credit profile, further violating my consumer rights. 
Requested Action from CFPB : 2. Immediate CFPB intervention to enforce TransUnions compliance with the Fair Credit Reporting Act. 
4. A formal investigation into TransUnions dispute resolution process and failure to honor consumer protections. 
6. An order compelling TransUnion to permanently remove fraudulent accounts, inquiries, and incorrect personal data. 
8. Compensation of {$15000.00} for damages caused by TransUnions negligence and repeated violations. 
Supporting Documentation : * FTC Identity Theft Report * Police Report * Correspondence with TransUnion * Highlighted Credit Report with Disputed Items I urge the CFPB to take immediate action against TransUnion for its continued noncompliance with federal regulations and its harmful impact on my credit and financial standing. 
Sincerely, XXXX XXXX
Product: Debt collection

I am hospitalized with a serious XXXX XXXX XXXX XXXX contacts me 20 times a day repeatly for the three cards I have with them. They called my work and my son. I told them the situation numerous times and they call back 10 minutes later. The phone calls are coming from various XXXX illegal locations. The dept collector is Everest receivable services. XXXX XXXX. I am on XXXX due to this XXXX XXXX. I ask that they stop calling my employer family and me. I know about the debt there is nothing I can do about it right now. XXXX XXXX. And various
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 2 out of 3 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. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was a long time customer of Bank of America but closed my accounts because of banker incompetence and deposit errors. I was charged a {$35.00} NSF fee for a check that was processed the same night I received a direct deposit of my paycheck. I also had {$100.00} stolen from me out of a joint account because that bank did not close the account when I told them to do so and they took NO action of any sort to help me resolve the matter. I am still not getting any help after all this time and these greedy sons  of  XXXX can expect to hear from my until I at LEAST get back the XXXX NSF fee that I was unjustly charged.
Product: Credit reporting or other personal consumer reports

1. CRA Failed to follow reasonable procedures for ensuring accuracy of the consumer 's information. 15 USC 1681 e ( b ) 2. CRA Failed to properly investigate or reinvestigate a consumer 's dispute 15 USC 1681i ( a ) ( 1 ) ( A ), and 15 USC 1681S-2 ( b ) 3. CRA Issued or obtained a consumer report for an impermissible purpose 15 USC 1681 b, invasion of privacy. See 15 USC 1681 A [ 4 ], right to privacy, 15 USC 1692 right to individual privacy protected by the Privacy Act of 1974.

4. CRA Failed to acknowledge15 USC 1666 B failing to disclose requested documentation 5. CRA Failed to acknowledge the Exclusion section of 15 USC 1681 a 2 which states that transactions and experiences shall not be reported which are late-payments and hard inquires 6. Under the Fair Credit Reporting Act and according to 15 USC 1681 C 2 ( N ), the CRAs should have blocked this information from my credit report within four days. Please see Attached " Description of Incident ''
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes l, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform l. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received alerts on XX/XX/2020 from my all 3 credit agencies that Enhanced Recovery Collections had placed a collection on my credit reports. I had no collections for many years as I'm heading into retirement. I've never received any written notices, letters, or phone calls regarding this debt. I, of course pulled my credit reports and noticed underneath Enhanced Recovery Collections were the named original creditor XXXX XXXX. I've never, ever, done business with these people. I research and found out it could be a telephone or cable company. I've had XXXX for years now. Also, the information listed on my credit reports states description of company as Collection Dept/Agency/Attorney as a threat. It also shows as loan balance {$460.00} and original loan {$460.00} which doesn't make sense at all. It shows collection date XX/XX/2020 and updated on XX/XX/2020. I believe this company is taking advantage of consumers during pandemic and its a shame to destroy someone's credit under false pretenses. I want this incorrect information removed immediately or I will seek assistance from my state attorney 's office. The representative will ask for your information instead of getting information from the supposedly account number listed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( XXXX ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Debt collection

The closing on the house we sold was on XX/XX/2020. The loan was over paid by {$8600.00}. According to my lawyer, the mortgage co : Mid America Mortgage had 30 days to refund the over payment. Today is XX/XX/XXXX, 90 days later and we have not received our money. I had spoken with them multiple times over the last 60 days and each time I am assured we will receive our refund ; this way or that way. I feel I am getting the run around and they have no intention of returning our money. My husband and I are both retired and on a fixed income. 

Mid America Mortgage loan # XXXX for property at XXXX XXXX XXXX XXXX. XXXX, CT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation XXXX breach has caused me all kinds of damages inquires that not mine and XXXX has not removed the inquires that are not mine i sent them documentation a billion times with the police report
Product: Debt collection

The complaint is NOT about collecting the wrong amount. The complaint is regarding a XX/XX/2022 telephone call I had with XXXX XXXX, Debt Collector with NCB Management whom I entered into a payment arrangement for an unsecured debt that I do admittedly owe to his office. XXXX assured me he would place an indicator in his system of record blocking the account from being placed on my credit report. However, the following month I received notification the tradeline was being newly reported as a collection item.
Product: Debt collection

Capital One called me on XX/XX/2019 to tell me they suspected possible fraud on my Visa account because someone had requested a new card be sent to a NY address. I reside in Florida. They said they would close the account and issue me a new card. The new card never arrived. Sometime in XX/XX/2019 there were numerous cash advances on a new Capital One account made in XXXX and surrounding areas of XXXX. I informed Capital One these were fraudulent charges and also closed in writing my previous account number. I continued to get statements and informed Capital One in writing by certified mail on at least five occasions that this was fraud. They have basically stated their investigations and ignored my documentation. I have notified all three credit report agencies and also completed a fraud claim on the official goverment web site. Capital One continues to show this as a charge off on my credit reports. I have all supporting documentation and want Capital One held accountable for this negative reporting and credit harassment.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # : XXXX Account Name : XXXX XXXX  Account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against TransUnion for Inaccurate Late Payment Reporting on Account XXXX Dear Sir/Madam, I am filing this formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and has caused undue harm to my creditworthiness. 
Details of the Reported Late Payments : XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
TransUnion : Late payments reported in XXXX and XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payments reported on this account are inaccurate and have not been corrected despite multiple disputes. 
15 U.S. Code 1681e ( b ) : Credit bureaus are mandated to follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in my case. 
Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors must send periodic statements at least XXXX days before the payment due date. The inaccurate reporting of late payments indicates a failure to comply with this requirement. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements to prevent unfair penalties to consumers. The errors in my account reporting violate these protections. 
Resolution Sought : Immediate removal of all inaccurate late payment notations from my credit report for the account listed above. 
Written confirmation of the correction from TransUnion. 
If this issue is not resolved promptly, I will escalate this matter, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX  was never late ! I have had exceptional payment history with XXXX XXXX, XXXX, XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reporting late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed some inaccurate accounts reporting Jeffcapsys account number XXXX but also listed as account number XXXX I have know knowledge of this account.
Product: Debt collection

I made payment arrangements with Midland Credit, {$100.00} a month until paid off, XXXXMidland credit agreed. I haven't missed 1 payment, but Midland decided to place a judgment against me anyway, which is not our agreement, Oh and by the way, Midland didn't send me any communication as to when the court date was held or where, that's how the judgement fell in their favor, very shady Business practices! 
I was informed, that as long as I make the monthly payments on time, Midland Credit would not pursue a judgment, they're going back on their word.Bad Business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

They close my account. So i thought my account was close. But i still had balance. Which i have not received bill information on my account. So they put me later on my credit report. My account is current. Try call have them take it of my credit report. But they gave me the run around. Comenity Bank/XXXX
Product: Credit card

There are a few chime card secured Visa cards that were listed on my credit report with XXXX. I do not have an account with chime nor did I request these cards or make any payments towards them. These are cards that should be removed immediately and thereafter investigated to see whoever did so. I can be reached at given phone number and email address. XXXX XXXX