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

I am filing this complaint against Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX because TransUnion has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and reinvestigations, inaccurate information regarding the above-referenced account remains on my consumer report.

Violations of the FCRA : TransUnion is in clear violation of : Section 611 ( 15 U.S. Code 1681i ) : Failing to conduct a reasonable reinvestigation. After multiple disputes, TransUnion has not corrected or removed the inaccurate information.

Section 623 ( 15 U.S. Code 1681s-2 ) : Reporting inaccurate information and continuing to validate it without proper verification.

Impact of Non-Compliance : The continued reporting of this inaccurate account has caused significant harm to my credit profile. It has affected my credit score and financial opportunities, despite my efforts to resolve the issue.

Furthermore I have provided proof after reinvestigation this account is still showing inaccuracy from the data furnisher and the account was deleted from XXXX for the above reason. This means that all information must be reporting accurately across all agencies and it is not
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their refusal to investigate the disputed items on my credit report. I mailed on XX/XX/year>, via USPS certified mail, tracking # XXXX XXXX XXXX XXXX XXXX XXXX. In this letter, I requested an investigation into several inaccurate items listed on my credit report, as well as the correction of incorrect personal information. 
To facilitate the verification of my identity and address, I included a copy of my photo ID, Social Security card, and a recent bill with my current address along with the dispute letter. Despite my clear and thorough request and the provision of these documents, Experian refused to investigate. 
I received a response back from Experian dated XX/XX/year> stating the following : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Experian has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and completeness of information in consumer credit reports.
Product: Money transfers

On XX/XX/XXXX or thereabouts, XXXX USD was sent to XXXX to send to my bank in XXXX. The exchange rate on the date of receipt was XXXX/USD. Therefore {$130000.00} should have been received by my XXXX Account. Instead only {$120000.00} was received. 

I asked my XXXX bank about the shortfall, but they indicated that the money was received in XXXX, so they were not responsible for the bad exchange rate. I was told by XXXX that either Wells Fargo or XXXX may have been an intermediary on this transaction, but I could not get any details without help. Help was difficult to get, as even though it was my money, the intermediary banks would not speak to me as I was not " their customer. '' I wrote XXXX, President XXXX, and he was responsive. His subordinates helped get in touch with Wells Fargo. Wells was initially unhelpful and tried to obfuscate and blame others in the transaction. I had the good fortune of knowing someone that could read XXXX messages. Eventually Wells Fargo admitted that instead of routing the funds to my bank 's USD correspondent bank, they routed the wire to XXXX first, and took a hefty chunk of my funds in the process. Eventually, Wells did get XXXX to refund about half of the shortfall, but the other half remains unaccounted for.
Product: Credit card

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Our port of call, XXXX XXXX was at XXXX XXXX XXXX XXXX 
XXXX and his partner, XXXX, with Diamonds International ( XXXX ) were onboard recruiters for XXXX. My wife, XXXX XXXX and I were VIPed off the ship to the XXXX site. 

Here, it was divide and conquer timeshare sales on steroids. I regularly interjected to ask what are we doing and was regularly shuttled away, sometimes with a XXXX Label pour. As I was facing mandatory retirement in 5 months, I relented and agreed to buy a XXXX timepiece as a retirement watch {$3100.00}. Late in the afternoon, the ships about to leave, we raced for the ship. Only to realize later that I bought a XXXX watch, {$7200.00} which I returned at the next DI port, XXXX. My wife, unknown to me, had purchased on credit a XXXX XXXX. 

At this port, apparently I was duped into opening a line of credit ( $ XXXX ) with Comenity, Syncrony bank? I dont know how theyre related.One needs a forensic accountant to figure it out. At this port, my credit ( XXXX ) prior was under XXXX XXXX XXXX XXXX, at XXXX, the XXXX was dropped. Same person and address, no XXXX XXXX used my credit and her signature to rack up unknown sales to me and my credit. 

XXXX XX/XX/XXXX I successfully return the $ XXXX XXXX XXXX and receive an email from a manager acknowledging. But there was blood in the water and they attacked in XXXX. Here, XXXX womens rings, XXXX bracelet and XXXX earrings totaled {$58000.00} Unknown to me. Again, using my credit and her purchase signature. Here, another DI account was started, without the SR Am quite sure that I agreed to nothing other than the XXXX. There was also about XXXX hrs of phone jostling about credit or credit breech, In XXXX I have no clue. 

Again, a sprint for the ship departing. After XXXX, we are at sea til XXXX. My wife wanted to stay out longer on Friday XX/XX/XXXX. I was awakened early am XXXX by her return and some verbal conflict. I fled the cabin and she called security. I returned to cabin about XXXX mins later as XXXX security guys were escorting her and belongings to secret cabin. 

I thought I XXXX be arrested upon port arrival. I Was not. Both filed dissolution XXXX motions over the next 4 days. We have both agreed to drop rtos and divorce. 

XXXX and their accomplice XXXX, CATAPULTED XXXX towards divorce. Fraudulent, predatory, malfeasant lending. They are PIRATES, different ports, jurisdictions, etc Ive just now maybe, saved my marriage such that I can try to remedy. 
This is racketeering ( XXXX ) activity. Class action worthy. 

I hope that you can assist or point us to someone who will Best regards XXXX XXXX
Product: Credit reporting 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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX I Account number XXXX, XXXX  Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number Account number XXXX. 
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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccurate information on my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumers Financial Protection Act ( CFPA, 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), 5564, and 5565 as highlighted in the CFPB 's recent administrative proceeding ( Case No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts : XXXX XXXX XXXX XXXX XXXX I XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX and Equifax has submitted a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California law, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and the balance is incorrect as well. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. I have no valid contract with this company that placed this on my credit files. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a CFPB complaint in regards to account for XXXX XXXX # XXXX showing on my report as status " Late '' and showing multiple late payments. This account was not thoroughly verified and has not been corrected in XXXX and transunion. You can not report a close account as LATE. The main complaint of this message is to let you know that you have taken more than 30 days to investigate this. 

It has been more than 30 days, and I have not received any proof that your company verified the accounts thorughly. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed.
Product: Money transfer, virtual currency, or money service

I am writinf to formally express my concerns regarding Zelle 's handling disputes particulary im light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite utilizing zelle numerous of times and reporting discrepancies my instituion and zelle have failed to invesgaste my claims. They informed me that recovering lost funds were impossible and couldnt be tracked. The CFPB findings indicate that zelle has not only neglected to protect consumer but also allowed offenders to exploit the system leaving users to vulnerable scams. And it is not acceptable and raisea seroous concerns about consumwr safety
Product: Credit card

Discover card continues to report my credit card balance on days that are not within the terms and conditions they have informed me of. They are purposely reporting my credit card with higher balances and on days that they lied about when the card balance would be reported therefore not allowing me the fair credit option of paying the balance down before it is reported to the credit bureau at this point I will be looking into rights as to filing a formal lawsuit against discover card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion Credit Bureaus has fail to do an accurate and fair investigation on my XXXX XXXX XXXX  dispute. XXXX XXXX XXXX filed a 1099C and has stop all collections/ forgiven this account. This account is no longer a debt, It was claimed as income for 2022 tax year. XXXX has already deleted this account, but XXXX XXXX TransUnion has falsified information on their investigation. Income is not suppose to be report on a consumer credit report. 

Internal Revenue Service ( IRS ) Publication 525, " Taxable and Nontaxable Income, '' In general, a Form 1099-C, Cancellation of Debt, is used to report canceled or forgiven debts. The IRS generally considers canceled debt as taxable income, with certain exceptions. If a creditor cancels a debt you owe of {$600.00} or more, they are required to file Form 1099-C with the IRS and provide you a copy. The amount of canceled debt reported on Form 1099-C is generally included in your gross income, which means it may be subject to income tax.

However, there are some situations where canceled debt may be excluded from taxable income. These exceptions include : Debt canceled in a bankruptcy proceeding. 
Debt canceled when you were insolvent ( your liabilities exceeded your assets ). 
Certain farm indebtedness. 
Non-recourse loans ( loans for which the lender 's only recourse in case of default is to repossess the property that serves as collateral ). 
Qualified principal residence indebtedness ( canceled mortgage debt on your main home ). 
These exceptions and their specific requirements are detailed in IRS guidelines and should be reviewed carefully to determine if they apply to your situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Date : XX/XX/year> To : FactorTrust XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, CA XXXX
Product: Consumer Loan

I am currently in a loan with Santander Consumer USA. My loan interest rate is 19.75 % I have had the loan for over XXXX years the loan started out at {$14000.00} and since then it has only gone down to {$12000.00}. I have recently seen a news article about usury loans against Santander consumer. There was also a point in time where for XXXX months where they lowered my monthly payment and did n't tell me it would only go towards my interest.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. These creditors, XXXX XXXX XXXX, Southwest Credit Systems, XXXX XXXX XXXX, has violated my rights under the 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 


2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with XXXX XXXX XXXX XXXX in regards to a vehicle that has been XXXX  out and a title never arrived. This company is still reporting a negative $ XXXX balance on my report after telling me that my balance is {$0.00} and the title is in the mail.
Product: Debt collection

I XXXX XXXX THIS IS NOT SUPPOSE TO BE ON MY CREDIT FILE THIS IS ALREADY PAID AND THEY ALSO TRIED TO MAKE ME DOUBLE PAY FOR THE SAME THING, ON XX/XX/2019 THEY HAVE ME OWING {$330.00} AND AGAIN ON XX/XX/2019 THEY HAVE ME OWING {$330.00} THE SAME PRICE BUT DIFFERENT DATES ANS YOU ALL CAN SEE THIS IS AN INACCURACY PLAIN AS DAY. THEN IT SAYS I OWE {$970.00} ON XX/XX/2019 ALL OF THIS IS NOT RIGHT THEY NEEDS TO SEND ME PROOF OR DELETE THIS IMMEDIATELY I DONT WANT NO PHONE CALL OR LETTERS SAYING THAT THEY INVESTIGATED IT I NEED TO SEE PROOF WITH MY SIGNATURE
Product: Credit reporting or other personal consumer reports

Upon checking my credit report this morning, I found inaccurate accounts listed without any clear reason. As I reviewed my report, unexpected discrepancies appeared. I tried refreshing my browser to see if it was a glitch, but the inaccuracies remained. Consequently, I am requesting a thorough check of the documents I've provided to eliminate any future worries.
Product: Student loan

I submitted a Public Service Loan Forgiveness ( PSLF ) form last year to FedLoan Servicing and received a letter dated XX/XX/2021 ( attached ) that it's under review to verify if I work for a qualifying employer. I have since contacted FedLoan several times and they confirmed based on the submitted information that the employer qualifies for PSLF, however the application is still under review.
Product: Mortgage

In XXXX of 2021, I entered a CoVID-19 forbearance program under the CARES ACT. Prior to forbearance, all previous mortgage payment were made on time. In XXXX of 2021, I requested to end my forbearance status through the loan modification option. It is now XX/XX/2021 and I have not been contacted by the servicer regarding the loan modification and my attempts to get status was unsuccessful. 
I need to be out of forbearance to qualify for a business loan that is essential to keeping my business open. Without the business loan, I am at a risk of additional financial hardship. Any delay in processing the loan modification increase my risk of losing my source of income. 

Background : Since my request for a loan modification, I have not been contacted by the servicer. They have not contacted me to fill out an application, request for documentation or ask for any information. All communications between the servicer and myself were initiated by me. From XXXX of XXXX XX/XX/2021, I proactively called the servicer more than XXXX times to ensure a timely resolution. However, each time I called, the only information provided is that that the loan modification is under review. In recent weeks, I have asked to communicate directly with the loan processor and was informed that is not possible, however, the customer service representative was able to email the processor on my behalf. As such, I made 5 separate requests to the loan processor thru email from the customer service representative for some type of status and was told that the processor will contact me within 24 hours. The loan processor never contacted me. Due to lack of communication and transparency from the servicer regarding the loan modification process and my need to urgently take action to prevent additional financial hardship, I was forced to enter the deferment option which is expected to be process and finalize sooner. 

Complaint : Mortgage servicer failed to respond to borrower ( me ) after repeated attempts at communication. 
Mortgage servicer did not work with borrower throughout the loan modification process. 
Delays in sending certain notices and taking certain actions required by Regulation X. 
Did not demonstrate effectiveness in helping borrower through the loan modification process. 
Lack of communication. 
Did not effectively managing borrower requests for assistance, promoting loss mitigation, and ultimately increasing risk of avoidable foreclosure. 
Did not respond to borrower requests and complaints in a timely manner. 

As a result of the complaints described above, I was forced to end my forbearance through an option that increases my financial hardship.