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

Transunion, Reviewed all my data listed below on my credit report, and listed information is inaccurately & incorrectly being reported on my Transunion credit report. 
I understand that as per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my identification and current address to avoid any delays in your response time. 
Please delete inaccurate inquires listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update or corrected immediately : XXXX XXXX XXXX  XXXX Balance : {$50.00} SELF XXXX XXXX XXXXXXXX Balance : {$91.00} XXXX XXXX XXXX  XXXX Balance : -
Product: Money transfer, virtual currency, or money service

My business partner sent me a bank wire on XX/XX/2023. 
It finally went to JPMorgan/Chase on XX/XX/2023. Still have not recieved the funds from my business partner. 
I recieved a notice from Chase that they are closing my business account in 3 days as of XX/XX/2023. 
As of XX/XX/2023 my business account was closed, i got a call saying my remaining funds in my account will be sent to my address on file in 2 days. 
Its XX/XX/2023 still no answer on my wire they called me, and said they cant disclose any information in reguards to the incoming bank wire of {$54000.00} from my business partner. 
This is unacceptable and i want those funds sent to me immediately without any further delay. I have sent proof before that this is not fraud, or any illegal activity. I have also attached proof in attachments to this complaint. 

Thank you!
Product: Student loan

I had taken out a student loan years ago around XXXX to XXXX with a lender to assist with rent and other payments while attending school. I later consolidated this loan for a lower interest rate with one other loan at the time. I was admitted to the hospital in XXXX which caused me to get behind on many bills. In XXXX, I filed a XXXX XXXX Bankruptcy and my private loan with XXXX was included in this bankruptcy and the debt was XXXXscharged under a normal bankruptcy proceedingXXXX XXXX was served properly, and it was listed as student loans in the bankruptcy proceedings. I was informed by the clerk and court that this debt was discharged under a normal bankruptcy proceeding and therefore the lender should no longer be able to collect on this debt. At the time of the bankruptcy, the amount of debt was only {$39000.00}. This amount was to be removed from my credit ( which it was ) but later returned when Nelnet stated that they now service this loan. Nelnet has been collecting interest on this loan from the time they state that they took over, which interest is now in the amount of {$13000.00}. During the time of Covid, all student loans and interest were deferred due to Covid and I was instructed except these two " private loans '' and that interest would still occur. I stated that these loans were discharged and provided copies of the bankruptcy proceedings and requested a forbearance until this was straighten out. 

I filed a complaint with CFPB previously and their response was that once the bankruptcy is completed that my loan servicers are notified again to return your account back to repayment status. Nelnet was not notified to return this private loan back to a repayment status, and if so, then they need to provide documentation which shows that this loan was to return to a repayment status. What gives Nelnet the right to dictate the law especially when this was discharged? 

Nelnet has no right to be servicing this private loan that was originally with XXXX lenhder and discharged completely in a bankruptcy. Someone needs to look in to this as Nelnet is taking advantage of the situation entirely. Nelnet sent a letter but I want proof for where they received something showing that this loan was to be returned to a repayment status. When a JUDGE informs me that this was discharged debt under a normal bankruptcy proceeding, and Nelnet is trying to collect, something is obviously wrong. This debt needs to be removed along with all interest.
Product: Checking or savings account

My name is XXXX XXXX, I have CITI checking account ending XXXX. I have an emergency to move the money from CITI to XXXX bank by the end of XX/XX/XXXX. There is something with the CITI XXXX banking that shows the incorrect available balance information in the checking account, see the attached PDF file for the transaction history showing the IT errors. On XX/XX/XXXX, it shows I have an available balance of {$31000.00}, so I initiated the {$20000.00} outbound transfer. However, the XXXX bank told me the transaction is rejected due to insufficient funds in my CITI checking account, which is not the case, as you can see from the transaction history, even after transferring the {$20000.00}, the available balance is still {$11000.00}, which is not negative balance. I think there is some IT issue with showing the correct available balance in my checking account, which causes me to transfer money more than I have in the account. In order to meet the deadline of XX/XX/XXXX, I have to send a wire transfer to the XXXX bank, but CITI charges me {$25.00} for the wire fee, which is not reasonable at all since if CITI has no IT problem, I no need to send the wire. I called CITI customer support and they told me the wire fee will be waived. But I don't see it happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following inquiries are in my Equifax credit report, but I never authorized these inquiries and applied before. 

XXXX XXXX XXXX XXXX , XXXX.- Inquiry : XX/XX/XXXX Telephone Companies ( XXXX ) XXXX XXXX XXXX XXXX XXXX , XXXX.- Inquiry : XXXX XXXX XXXX Telephone Companies ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry : XX/XX/XXXX Telephone Companies ( XXXX ) XXXX XXXX XXXX XXXX XXXX , XXXX. 
Inquiry : XX/XX/XXXX Telephone Companies Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Apartments ( XXXX ) XXXX
Product: Credit card or prepaid card

Company calls me at least 6-10 times daily. Try 's to bully me to return jewelry every time I talk to them so they can resell. I would be willing to return except they took my " paid in full jewelry '' as a trade in at half its value, they would only reduce my debt up to what they felt the value of the returned items are and I would still owe them a large balance. So this company would have all my payments made, my paid in full jewelry they said I forfeited, the new items I purchased and I would still be making payments with full interest to them for the " balance ''. They refused flat out to work with me on reducing the interest or payments for more than a few months. They have called my family members now " looking for me ''. This company is a legal loan shark type company. They harass you until you give in, all I want from them is to work with me and reduce my payments by {$50.00}. Instead they are racking up late fees, maxed out interest rates, and building the amount I owe to a staggering number, until I have nothing left but to give in. Its feels like as if they are above the law. They said they would only work with debt consolidation once when I talked to them, however they would n't work with me directly, I need to be financially ruined or in bankruptcy, instead they use bullying tactics and harassing calls non stop. Calling my family today was the last straw.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit repot, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit aganist 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 the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim for identity theft. The following inquiries are a result of fraud. The inquiries as follows 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. Im never requested credit or did an application for these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report sent me a report on XX/XX/12 saying I have a balance of {$93.00} with XXXX XXXX XXXX ( located in TX ). First, I have never been to TX. Second, I never opened any credit card with XXXX XXXX XXXX. I have contacted XXXX and Experian to dispute the 2 credit cards in my account. There must be an identity theft using my SSN to open account. Please help me with this. I feel really insecure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I had sent a letter to XXXX XXXX in regards to an account that was on my consumer file under my name. In this letter I was requesting that XXXX XXXX provide me with the alleged physical verification of the original signed contract between myself and their company. I received a response stating that my letter was unclear, and they did not know what I was asking for ( copies of all correspondences will be included in this complaint ). I then sent XXXX XXXX a letter on XXXX reiterating that I was requesting proof of an alleged account being reported to the Credit Bureaus in my name. XXXX XXXX had then responded to that letter stating that they have no way of validating the account as the application process was done online or over the phone. I have never applied for or obtained anything from this company, not in person, over the phone, online, not by fax, postal mail, NOTHING. 

On XXXX, XXXX AND on XXXX, I wrote to XXXX, Experian and XXXX  as they have continued to verify this account as accurate. My question would be, how is are these bureaus verifying an account in my name, when the company has already sent me a letter stating that they are unable to verify this account. 

XXXX, Experian, and XXXX  continue to keep this inaccurate negative information on my credit report after being informed multiple times, WITH PROOF that this account needs to be removed.
Product: Debt collection

I only owe {$33.00} they have n't showed that I been paying on this collection
Product: Money transfer, virtual currency, or money service

My husband received his taxes and sent me XXXX to get my rent paid. As soon as the money hit my Venmo account, they froze it. I've been emailing them every day more then once a day. And I don't get any answers from them. And because of it, my daughter and I are XXXX now. I honestly think they are keeping my money, but not because I did anything wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account name : THE BUREAUS # 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 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 refilling the complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Checking or savings account

Opened checking and saving priority account and got blocked due to possible fraud and saying I have violated an agreement and all account including credit card will be shut down. All funding was transferred from my own US accredited bank so shouldnt have been an issue ( XXXX  and XXXX  ). Have been using XXXX  to pay off my credit card for years! Been contacting citi weekly since mid XXXX to get issue resolved. Been over a month and very little progress has been made. Contacting via phone and email has been useless. Lots of unanswered email and almost always no one pick up when I call back on the number they left on voicemail. After a month of unnecessary investigation finally unlocked checking account but still block online access so cant put money into saving account. The only reason an account was open was because of the 4.3 % interest rate that was promised. I am tired of having my own money held hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records and closed accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
This accounts listed are Not related to any transactions done by me.
Product: Bank account or service

I have been refinanced my mortgage with AmeriSave Mortgage Corporation on XXXX 2016. Then I told XXXX XXXX XXXX and XXXX XXXX XXXX that I will pay a Property Tax and Home Insurance by myself. But XXXX XXXX and XXXX XXXX and their company did not agreed it. They forced me to gave money to them and they told me that they will pay Property Tax and Home Insurance for me. Then I sent my money to them and they collected my money but they did not pay Property Tax for my home. Today, I got a bill with interest, and late charge from XXXX XXXX XXXX as following : Base Tax : {$830.00} Late Charge : {$16.00} Interest : {$58.00} I am trying to contact them but they told me that they did not have collected a money for Property Tax and Home Insurance. I would like to know that are they a scam company or not?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporter Act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 my 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 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.

TransUnion 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, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to  follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Product: Debt collection

I am writing to formally file a complaint against Genesis/Columbia Debt Recovery LLC for their ongoing violations of federal reporting and collection laws. Despite being duly notified by the federal bankruptcy court of my bankruptcy filing, Genesis/Columbia Debt Recovery LLC continues XXXX report an alleged debt to the credit bureau XXXX XXXX This is a direct and willful violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Bankruptcy Code. 

Under federal law, creditors and collection agencies must cease all collection activity, including reporting alleged debts to credit bureaus, once they have been informed of a bankruptcy filing. However, Genesis/Columbia Debt Recovery LLC has blatantly disregarded this legal requirement and recently reaffirmed collection activity on this alleged debt, further violating their obligations.

I have disputed this matter multiple times, but Genesis/Columbia Debt Recovery LLC has persisted in reporting the alleged debt as outstanding and due, despite their awareness of my bankruptcy filing. This demonstrates a purposeful and deliberate attempt to circumvent the law, seemingly under the assumption that they can act without consequence until legal action is pursued against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXX Balance {$64.00} ; XXXX XXXX XXXX XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, Equifax, and XXXX. Please delete the following accounts and ANY and ALL inquires associated with the accounts. The accounts are XXXX with a bal. of {$19000.00}, XXXX XXXX Bank with a bal. of {$2200.00}, XXXX XXXX with a bal. of {$450.00}, XXXX with a bal. of {$1100.00}, XXXX XXXX with a bal. of {$240.00}, XXXX XXXX  XXXX with a bal. of {$260.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.