23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On-line, I placed credit freeze at TRANSUNION on XXXX/XXXX/XXXX due to identity theft. Paid a {$10.00} fee using a credit card the police report would not be available for XXXX to 7 days after making the report. On phone, was told by a TRANSUNION representative to send the police report by FAX and request a refund of the {$10.00} fee. Faxed the police report and request for refund on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, a TRANSUNION representative stated that I would not get a refund because the police report was not submitted concurrent with the online transaction. The TRANSUNION website XXXX displays a table listing the XXXX provisions regarding credit freezes. Under XXXX victim, the entry is as follows : State Requirements Fee Information Add Lift Remove XXXX Identity Theft Victim Free** Free** Free** **In order to be eligible for free Security Freeze services, you may be required to provide proof of eligibility by mail. Click here for more information. 

The 'click here '' leads to the following information : " If you believe you qualify for a free Security Freeze due to identity theft you must supply our office with a copy of a Law Enforcement report alleging identity theft that has been filed with your local law enforcement department or the XXXX. 

If you believe you qualify for a free Security Freeze due to your age, please send us verification of your date of birth with your Security Freeze request. Acceptable forms of verification include XXXX of the following documents that show your date of birth : a birth certificate, driver 's license, state identification, or some other legal document indicating date of birth. 

If you are a resident XXXX and have documentation XXXX from the court, a law enforcement agency, a licensed medical or mental healthcare provider, or social worker, please provide our office with a copy of the document to receive your security freeze free of charge. '' Mail : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX I explained to a TRANSUNION representative that XXXX refunded a {$10.00} fee the day after receiving a faxed police report. My understanding of XXXX law in this regard is that a refund is required. A TRANSUNION representative stated that if I had made the freeze request by phone, the TRANSUNION representative would have suggested a no-fee credit fraud alert until such time as I had a police report. Therefore, my {$10.00} fee would not be refunded. 

I believe that TRANSUNION has engaged in deceptive practices in this matter.
Product: Debt collection

2nd time XXXX  XXXX put this in collection, we are allow to XXXX XXXX XXXX, this was once clear and then on the reported again. Got no notices saw this on XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

Account XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX Company it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT-OUT ( 1 ) IN GENERAL financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I am hereby requesting all the above disclosures required by the Federal.
Product: Mortgage

On XXXX XXXX, 2015 I received a notice form Bank of America stating that my mortagage would be increasing from XXXX to XXXX. There was an increase {$4.00} due to a tax increase. The remainder of the increase is stated as a shortage payment of XXXX per month and a reserve requirement of XXXX. When I called and asked why my payment was increasing, I was told there was a shortage in a reimbursement from changing insurance companies. I did change in XXXX of last year. I had to file a complaint against XXXX in order to receive my escrow payment back from them. I sent the escrow payment ( myslef ) to BOA. Which they received in XXXX. Since then I have been receiving paperwork from BAO regarding my house payment being late and advising that I file for bankruptcy ( Case number : XXXX ). Now this. BOA can not give me a succinct reason why my payment is increasing. They paid extra money to the insurance company because the received a request for payment ( they paid a total of {$1800.00}, but they ca n't state why. My insurance is XXXX per year. Then they sent me a refund of {$290.00} which I said I did not want and they said I had to cash the check. Now they say my escrow is negative Just that I have to pay the increased amount.
Product: Credit reporting or other personal consumer reports

I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. 

The content mentioned above was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or unsupported material be deleted. 

This discrepancy is alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the XXXX. 

I want to bring to your attention Creditor Type ( - ) reporting Personal Loan Companies .The data for this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX XXXX I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! 

Upon inspecting Dispute Status ( XXXX ) exhibiting Account not disputed. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof!

Furthermore, this has been ongoing with XXXX  and they have not addressed any of my concerns and I demand that this credit file be removed from my credit report for several inaccuracies mentioned and included in this complaint. In addition, the loan was apparently sold to a company named XXXX XXXX and the complaint and response from XXXX XXXX is also included in this complaint. 

According to 15 US Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies, XXXX XXXX has neglected to address any of my concerns and have failed to provide accurate information to the data furnishers and Credit Reporting Agencies such as Reporting information after notice and confirmation of errors ( a copy of the 15 US Code 1681s-2 is also included in this complaint ) Additional copies include my credit report with the inaccuracies listed such as showing a charge off and a past due balance which is a clear violation of the FCRA.
Product: Money transfer, virtual currency, or money service

They are holding my funds hostage while not responding to multiple tickets and do n't allow phone support. Only a vague message upon logging into the website saying : " We could n't complete one of your buys due to an issue with your payment method. Please select a payment method to continue. '' " COMPLETE YOUR BUYS Amount $ XXXX '' " AFFECTED PURCHASES {$0.00} via Unknown Payment Method '' I clicked 'make payment ' without any understanding of what I was making a payment for, in hopes that I would gain access to my funds and be allow to log in to XXXX again but absolutely nothing happened. 

I 'm at a loss as to what is going on here and because it 's impossible to interact with Coinbase, i 'm here to file a complaint.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX  [ File # XXXX ] DELETED XXXX XXXX {$280.00} collection [ XXXX XXXX XXXX ] from my credit report. 

XX/XX/XXXX @ XXXX, I called XXXX XXXX Customer Service to request they update records with all XXXX major credit bureaus and delete collection account. XXXX XXXX responded on XX/XX/XXXX with fraudulent, deceptive practices by creating and reporting a new collection account reflected on my XX/XX/XXXX credit report as : Date Updated XX/XX/XXXX Remarks >PLACED FOR XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX COLLECTION AGENCY Past Due >Collection< High Balance {$280.00} Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Estimated item will be removed XXXX/XXXX XXXX XXXX XXXX should reflect current, accurate account information. Since XXXX, XXXX XXXX 's unfair, deceptive and abusive practices have : i. ) adversely impacted my credit report, ii. ) severlely impaired my ability to obtain funding, iii. ) declined my XXXX XXXX XXXX points, XXXX. ) resulted in higher credit rates, v. ) caused reputational harm to my livelihood as a licensed financial professional.
Product: Checking or savings account

This has been an ongoing problem for months. Just XXXX alone it happened 5 times ( XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ). I am unable to use XXXX which M & T bank themselves encourages rather than traditional transfers without my transaction being flagged and blocked by their security. I call them everytime and they end up having to override it. On XX/XX/XXXX I was told they are unable to override it. I informed them that I am closing my accounts with them. I do not work XXXX XXXX XXXX so they can hold my money hostage.
Product: Credit reporting or other personal consumer reports

I am writing to formally request assistance regarding the ongoing dispute and reinvestigation of a debt reported by XXXX XXXX XXXX. The original creditor for this debt is XXXX, with a balance of {$2900.00}. Despite my previous efforts to resolve this matter, I have not received an appropriate update on the status of my dispute. 

Background of the Dispute : I contacted XXXX XXXX XXXX directly to address and clear the alleged debt and requested that they update their records accordingly. 
Despite these actions, there has been no confirmation of the resolution or a change in the status of my debt. 
To date, XXXX XXXX XXXX has not provided the requested documentation or an update on the reinvestigation related to this matter. 
Request for Validation and Investigation : Proof of Debt and Reinvestigation Findings : I am requesting full documentation related to the reinvestigation of this debt, including : The outcome and findings from the investigation conducted by XXXX XXXX XXXX. 
Any communication records or documentation confirming that the reinvestigation was completed. 
Assignment Contract and Proof of Collection Rights : I request a copy of the original assignment contract or any agreements that demonstrate XXXX XXXX XXXX has the right to collect on this debt. This should include : Details proving the assignment of the debt from XXXX to XXXX XXXX XXXX. 
A clear chain of title, if applicable, that outlines how the debt was transferred. 
Updated Account Status : I request an update on the current status of this debt, including any changes that should reflect the resolution following my direct communication and dispute.

Legal Basis for My Request : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, consumers are entitled to request validation of a debt and detailed information ensuring the debt is accurate and enforceable. Additionally, any delays or failures to respond to such a reinvestigation request violate consumer protection laws, which I am entitled to under federal regulation. 

Action Required : I respectfully request that the CFPB investigate this matter and ensure that XXXX XXXX XXXX provides the requested documentation or updates the status of my debt in compliance with the FDCPA. 
If discrepancies are found, I request that XXXX XXXX XXXX cease reporting this debt to credit bureaus until the issue is resolved. 
Conclusion : This request is urgent, and I expect a response within 30 days of receipt of this letter. Please notify me of any developments or if any additional information is needed to assist with this matter. 

Thank you for your prompt attention to this issue.
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 are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX  XXXX XX/XX/year>2023 DFS XXXX XX/XX/year>2023 XXXX XXXX2023
Product: Credit reporting or other personal consumer reports

I am writing to dispute outdated and inaccurate personal data on my credit report.under the fair credit reporting act [ FCRA ], specifically 15 USC 1681 e ( b ). Outdated or inaccurate personal data must be removed to ensure maximum accuracy. Please delete these following items immediately in accordance with the law. Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is outdated and inaccurate and should not be on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a problem with my Equifax credit score that I do not understand. My FICO score has fluctuated from XXXX in XXXX, to XXXX in XXXX, and in XXXX it dropped to XXXX. This does not seem right. I called Equifax and spoke to a XXXX. He told me that the reason it went down was because the balance on my XXXX  XXXX XXXX credit card, and XXXX card is over 50 % of my credit limit. This would be plausible had I just made the balance transfers in the past few months, but this is not the case. I made the two balance transfers last year, and my credit score has consistently been in the XXXX range, with the exception of XXXX, 2022. This is because a credit card company erroneously reported that I made two late payments, but I contacted them and they corrected the issue by sending the credit reporting agencies correct information. My credit score, then went up to XXXX in XXXX, and XXXX in XXXX, but in XXXX, my score dropped a whopping XXXX points! There is no viable explanation for this. 

After speaking to XXXX at Equifax, I lost confidence that he would be able to help me. He told me there is no time frame when Equifax will recalculate my credit score. In my mind, it told me that I could be waiting indefinitely for the matter to be resolved by Equifax, so I decided it was best to file a dispute with CFPB because at least with CFPB there is a 30 day time frame in which Equifax has to respond. 

The only negative factors that could have contributed to a drop in my credit score points might have been a change of address that I made in XXXX, 2022, and a credit card I applied for in XXXX, 2022. I should mention that my credit score had dropped already before I applied for the credit card in XXXX, 2022 so the credit card I applied for was most likely not a negative factor contributing to the huge drop in my Equifax credit rating. Other than that, I have been paying my bills 100 % of the time. 

My concern is basically that the huge drop in my credit score is what ruined my chance to get a credit line increase for a 0 % promo balance transfer I needed. 

I attached my credit score, and my credit score history so you can see that it has always been on the high level, until the huge erroneous drop of XXXX points in XXXX.
Product: Debt collection

I received several phone calls pertaining to an XXXX XXXX XXXX account that was opened in XXXX Ms , with a balance of {$970.00}. I told the company collecting ( SW CRDT SYS ) for this account that I had never lived in Mississippi and I had no knowledge of the account. I was told that it may have been a case of identity theft, and my name would be taken off the call list. Now this company is reporting this account in my name to the credit agencies.
Product: Credit reporting or other personal consumer reports

Isnt it ironic that the CFPB is suing Experian for the same issues Ive been complaining about? On XXXX XXXX, the CFPB sued Experian for failing to properly investigate consumer disputes and reporting incorrect information, violating the FCRA and Consumer Financial Protection Act. 

Experian conducted sham investigations instead of addressing errors as required by law. I am once again demanding the removal of the alleged late payments from my credit profile. If not resolved, my next step will be small claims court. These accounts remain unverified, and I have certified mail to prove it. Please delete these late payments or provide proper validation, including receipts, and check the statute of limitationsthey are well past it. I DEMAND THAT THESE LATE PAYMENTS BE REMOVED FROM MY XXXX XXXXXXXX ACCOUNTS Account # XXXX and # XXXX. Along with the address XXXX XXXX XXXX XXXX, XXXX, IL XXXX I have never lived at that address.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE NOTE, THIS IS NOT A DUPLICATE COMPLAINT. I'm sending this complaint regarding this issue FIRST TIME. 
I '' M NOT USING ANY THIRD PARTY FOR THIS REGARDS. 
I have also sent complaint regarding this issue to GENERAL ATTORNY. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX - XXXX ; XXXX  - XXXX ; XXXX BANK - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX  use  
XXXX
XXXX  XXXX  
XXXX
XXXX  XXXX  XXXX  XXXX
XXXX  XXXX/XXXX
XXXX  XXXX  XXXX  XXXX

not  mine 
and address not mine 

XXXX  XXXX  
XXXX  XXXX  XXXX  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 confidentiality under 15 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 Dollar amount {$6700.00} Ive disputed this with XXXX Now by certified mail notarized letter no response also letters was forwarded to all XXXX credit bureaus Experian, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the reporting credit bureaus are in violation XXXX XXXX And Trans Union stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Product: Debt collection

I received a call from a debt collector, UNIFIN, regarding a debt from the year XXXX. This account was paid off in XXXX via a third party. Unfortunately, I don't have this record from 15 years ago. I contacted the original creditor, XXXX/XXXX  and they have no record of this account. 

In XXXX, I was being harassed by XXXX XXXX XXXX and mistakenly made a payment of {$20.00} out of distress. This account is over XXXX years old and was settled over 15 years ago. 

Amount : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a dispute to Equifax about the following accounts ; XXXX XXXX Bankruptcy ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX  ( Date opened : XX/XX/XXXX, Balance : {$1600.00} ), XXXX XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX ( Date opened XXXX XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Date opened : XX/XX/XXXX, Balance : {$740.00} ), XXXX XXXX XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$980.00} ), XXXX  ( Date opened : XX/XX/XXXX, Balance : {$960.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ).
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting act, the list of account below : XXXX XXXX XXXX XXXXhas violated my federally protected consumer, rights to privacy and confidentiality under 15 USC 1681- The accounts below have violated my rights. 15 U, S.C 1681 section 602A. States ( have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions. P15 U.S. 1681g. ( 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 ) ( a ) 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. Delete the accounts below : XXXX XXXX XXXX XXXX