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

I recently challenged the validity of XXXX # XXXX {$14000.00} XXXX XXXX L # XXXX {$3500.00} XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX # XXXX {$3500.00} XXXX XXXX XXXX XXXX {$550.00} accounts that's being reported on my most recent credit report. Upon challenging this, Transunion credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX  credit bureau the agency verified the same accounts. We agree XXXX  is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.
Product: Debt collection

Last year in XXXX, I was car jacked by two XXXX men at a gas station in XXXX XXXX, Illinois. My car was stolen. I immediately called XXXX and they tracked the suspects down in a forced stop. My car was totaled. However, once my car was retrieved. XXXX XXXX , XXXX in XXXX XXXX was not very nice to me. They would not let me get my things out the car or even look at the damages. Earlier that year about a month before my car needed repairs. I purchased my car at XXXX in XXXX Indiana and the Manager lied against me and would not make the necessary repairs to my car before I was car jacked. XXXX collected my car with out my knowledge after the car jacking, repaired the damages to the vehicle from the force stop and sold it to another buyer. XXXX said I voluntarily surrendered my car back to them. I did not surrender my car. I never had a conversation with XXXX or the collection agency MRS BPO , LLC. Unfortunately, I had a bad year in XXXX and XXXX. I could not contact anyone because I was XXXX and XXXX for 1yr. I do not owe this debt or remaining balance that is owed on this car. It's a XXXX XXXX XXXX. The suspects are currently in XXXX and awaiting XXXX.
Product: Credit reporting or other personal consumer reports

I am trying to lift the freeze on my Equifax account temporarily. I could not do it at all online and when I called Equifax they said I could only remove it completely, not temporarily. They said I would have to call them back to put the freeze back on.
Product: Checking or savings account

I have a loan through XXXX and the bank took money from my account past the due date.
Product: Debt collection

I am unaware of and neither have I agreed to or know this company. It is my understanding that my consumer rights have been violated by this showing in collections on my credit file.
Product: Credit card

Want to transfer my high balance of {$1900.00} to another account. Chase informed me it was not being " offered '' at this time, which does n't give me a choice in HOW I pay my account off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the XXXX XXXX  XXXX Reference # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 reporting, credit repair services, or other personal consumer reports

On my XXXX credit report theirs a negative item that has a balance of XXXX its a charge off account XXXX supposed to have that item removed due to fraud I filed a federal trade commission identity report it should be on filed and also the other three negative items that are charged off should be removed from my XXXX credit report I filed a federal trade commission identity report on those items too and also the hard 4 inquiries are fraud too please removed them my social security number is XXXX and on my XXXX XXXX report theirs 4 negative items that are charged off and equifax their is one 1 item that's charged off I filed federal trade commission identity report with those agencies too please other to agencies removed them to due to fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. 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 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 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 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: Money transfer, virtual currency, or money service

Decieved by the one I loved and Trusted. 
Property owner since XXXX all updated ( {$55000.00} ), savings aprx {$15000.00} ; working ; Retirement, Stocks purchased XXXX ; vehicle ; no mortgages or loans. Married XXXX adding spouse to all. Became XXXX XXXX. Spouse handled took over all, including handing me an allowance. Spouse informed me stocks we're ate up in the system. I talked to bank to get info and was there was response from them. Now divorced XX/XX/XXXX. 6 months ago doing a transaction over due by exspouse I mentioned to the Financial Advisor about the stocks. He told me my exspouse had them in his personal account! There were more than these stocks that we're joint I have no access to. And recently found W2 a Severance pay from XXXX my employer. I never knew about. 
Discovered was 3 mortgages. I knew of only 1, but signature is on all. There is no account of what he did with this money. It was not used towards the property. I have found at least 5 revolving credit accounts that had contained my name ( bank would not cooperate ) and removed during separation. His personal broker works in the same bank as the Financial Advisor I Spoke with just a 6 months ago. ( He seemed very upset with this Broker ) I did find IRA 's, Retirement Funds, 401K 's, Stocks, Annuities and etc. 
I do not know the extent of all he has done other than abuse. All I had through my employer was used during marriage. 
He received all property and I received 15 % not counting what he has not shown at this bank/banks. I am XXXX, XXXX. At no time were my XXXX were ever mentioned due to neglegence. 
Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests to TRANSUNION, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( LATE/CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00XXXX XXXX COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting act this creditor has violated my rights Under 15usc1681 section 602 states that i have the right to privacy 15usc1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without written instructions Under 15usc1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Debt collection

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, TransUnion, and XXXX and have noted following discrepancies : XXXX XXXX  Date open : XX/XX/2022 {$1400.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$970.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$510.00} XXXX
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site XXXX. Please dispute the following accounts. It was opened without my knowledge, authority or consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed the a dispute XXXX XXXX for not getting services as advertised and / or not satisfied with services received at the XXXX that had a charge on my Bank of America Visa for {$1200.00}. It was supposed to completed in 60 days. I received a notice via email their was an alert via my email the beginning of XXXX. I could not access it via their App and I had signed up for any important dispute mail to be snail mailed. I received this notice to complete a detailed letter in my mail on XXXX and BofA wanted the info back XX/XX/12 and veterans days was going to interfere with the mail along with the Covid delays. My husband called on XX/XX/12 and was told the info was uploaded, but had not been attached to my complaint. I trusted all was taken care of until I received an email alert a few days later. By then I signed up to receive complaint information online and I figured out their App doesn't have it, but only their web. I saw my complaint had been denied and they denied ever receiving my info by mail. I was told if it was ever received the claim would be restarted so I faxed it three different times, plus they had it mailed. I'm not sure which fax they finally acknowledged or if it was the the mail, but it was faxed once by a local BofA in XXXX and twice by different efax apps. I received two letters that my claim was denied as I had not sent the " cancelation agreement. '' I called about a week ago and said a cancelation agreement has nothing to do with my claim, I gave detailed info that is being ignored. The customer service agent said my claim had been misfiled and she was refiling it under the proper claim as I had actually received services. I said if they could receive pics, I would send them, and I would appreciate my claim taken seriously. Obviously they have only played games with it as barely a week went by when I received another denial based on them not having a cancelation agreement which is irrelevant.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is in response to your recent claim that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/ ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. I have attached my recent Police report to this letter. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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, including scams, my financial institution, XXXX XXXX XXXXXXXX, failed to adequately investigate my claims. They informed me that they could not recover funds sent to a fraudulent Zelle account. This response is both disheartening and frustrating, as I expected a higher level of security and support from both Zelle and my bank. I would like to formally launch a complaint regarding this matter and request a thorough review of my case. Customers like myself should not be left vulnerable to scams without recourse. Please let me know what steps I need to take to escalate this issue.
Product: Credit reporting or other personal consumer reports

Accounts I asked to be verified, the age of my credit history, and payment history
Product: Debt collection

I negotiated renewing my contract with Vivint and they told me that this collection would be cleared up. The collection is still on my credit report and I am now stuck with a new contract and being told I owe double.
Product: Credit reporting

I 've disputed an inaccurate bankruptcy with Transunion for several months now. Transunion consistently responded to the disputed account as " verified ''. They violated several federal rules under the FCRA 623 and 1681i during their so called investigations. Transunion has GEORGIA FEDERAL COURT - XXXX listed as the furnisher of information. I received a letter from the courthouse stating that they do not communicate with credit bureaus. Transunion did not send a notice of my dispute to the furnisher of information. In fact they are not providing the true furnisher of information for this account, as we know the courthouse is not the true furnisher of information. Transunion did not list an address or phone number for the courthouse, which proves that the account is inaccurate. Transunion also did not add a dispute statement to the account within 30 days. Transunion received my previous dispute via USPS Certified Mail on XXXX XXXX, 2016. I pulled my credit report on XXXX XXXX, 2016 and there was no dispute statement listed with this bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time submitting a claim to the cfpb and multiple letters directly to Experian. In the last complain all they did is explain how my credit report is pulled and this is what I keep having an issue with them. All they do is explain how things work and don't really give me any proof that these inquiries are mine. I have requested an investigation multiple times and they just are avoiding the subject all together. If these inquiries are mine it shouldn't be difficult to obtain a document with my signature on it. I want these inquiries to be deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a financial institution and furnisher of information, along with EQUIFAX AND XXXX, consumer reporting agencies, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation P ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX, EQUIFAX, AND XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states 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. XXXX XXXX, EQUIFAX, AND XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX XXXX, EQUIFAX, AND XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX, EQUIFAX, AND XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Debt collection

Credit Collection Service received a 93A Demand Notice from me XXXX for their illegal reporting to the bureaus and with request for validation of debt and a notice to keep all correspondence in writing only. They failed to respond. They continued calling me multiple times per week. 
I sent a second 93A from me XXXX with a second request for validation, notice of further federal and state ( FDCPA and FCRA ) violations and notice to keep all correspondence in writing only. They failed to respond. They continued calling. 
I sent a third 93A Demand Notice XXXX with third request for validation, notice of even more federal and state violations and notice to keep all correspondence in writing only. They failed to respond. They continued to call. 
XX/XX/XXXX I called and spoke with XXXX XXXX, the department manager, she stated they received all correspondence and did not bother to respond. I asked to be placed on their do not call list and request a formal cease and desist. She agreed. 
XX/XX/XXXX ( holiday weekend ) I received another phone call in attempt to collect. I called them to request no more phone calls. I was placed on hold for half an hour and gave up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed a few unfamiliar accounts on my credit report
Product: Credit reporting

XXXX, XXXX, XXXX, XXXX, and Olde set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is JOKE!!!!!!!