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

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding a public record on my credit report. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of this complaint or I will expect to see the item in question permanently  expunged from my record. XXXX Court US BKPT CT TN XXXX
Product: Mortgage

I am a XXXX veteran. My state has awarded me 100 % property tax exemption accordingly. The county appraisal office issued us a standard letter that they provide to mortgage companies in order to adjust the payment to reflect the tax exemption. The mortgager refuses to adjust the payment and refusing to accept the provided documentation. The appraisal office has no other documentation to provide. The mortgager is now raising our payment to reflect an even larger payment for more taxes they say will be due. We requested they speak directly to the appraisal office and they refused as well.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

Fraudulent Unauthorized Accounts : XXXX 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: Student loan

I submitted the correct paperwork for deferment and cancellation and deferment of my Federal Perkins loan in XX/XX/XXXX, and then twice in XX/XX/XXXX. I received no response at all the first and third times, and the second time, I received a response that the paperwork was dated incorrectly. I am also currently enrolled in grad school full time. However, they are still trying to bill me for this account. I have contacted Heartland multiple times, and they have made no efforts to resolve the issue.
Product: Vehicle loan or lease

Exeter Finance is continuing to show that my car that was paid off by XXXX XXXX is delinquent and/or charged off due to non-payment. I filed a claim through the credit reporting agencies, which came back saying that the information was true based on the information reported from XXXX XXXX. XXXX XXXX paid my car loan off completely in XX/XX/2020, when I purchased a new car through them. But, again it's showing up on my credit report as a charge off and or delinquent account. I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report from LexisNexis, I notice an extensive amount of inaccuracies ( report dated XX/XX/2019 ) .On XX/XX/2019, I mailed a request - requesting that they update their report file, and I furnished correct information regarding my identity.I included a copy of a letter from the Illinois bankruptcy court stating that they do Not perform any activities with credit bureaus as their report indicates.I included a copy of my drivers license ; social security card, copies of bills to prove my address. 
On XX/XX/2019, I received a response that appeared to be a bit of window dressing, because what it stated is not what I requested. The response was a two page letter - on the front page it was dated XX/XX/2019, but on the back it was dated XX/XX/2019. I will include a copy along with this statement. 
On XX/XX/XXXX, I received another report from LexisNexis stating that they had completed their investigation and their findings follow.The report states that they have deleted the inaccurate information.However, the only information shown deleted was a few phone numbers and the incorrect birth dates. 
I will include copies of pages of the report that show inaccurate information that I requested be removed remains. Please note that I have highlighted on each page the inaccuracies in accords with my letters to them.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a data breach, which has resulted in several unauthorized accounts being reported on my credit file. Under the provisions of 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am formally requesting the immediate blocking and deletion of the following accounts from my credit report : Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Fraudulent sale via XXXX. Sent monies via wire transfer only to find information from bank stating this is called a wise transfer through their bank to a foreign bank. 
Have not received parts and XXXX account closed. We do not want unapproved access to our account. I have all fraudulent account information available. Thank you for your help in this matter.
Product: Debt collection

THIS ACCOUNT STATES IT WAS OPENED XX/XX/2019 I'M A TRUCK DRIVER AND WAS WORKIN ON THIS DATE. I NEVER SIGNED AN AGREEMENT OR GAVE THIS COMPANY CONSENT TO OPEN AN ACCOUNT IN MY NAME. THEY LET MY EX GIRLFRIEND FILL OUT PAPERWORK AND OPEN AN ACCOUNT USING MY INFO. IM SICK OF CALL AND DAMAGING FACTORS BEING REPORTED ON MY CREDIT. THIS COMPANY IS FRADUALENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with both XXXX XXXX XXXX XXXX and Transunion. I had an auto loan with XXXX XXXX back in XXXX. I filed for XXXX XXXX  Bankruptcy XX/XX/XXXX which was discharged XX/XX/XXXX. There are two items reporting incorrectly in regards to this account on my Transunion credit file. 

1. They have the date of the last payment I made on the account listed as XX/XX/XXXX. That is very clearly incorrect as the last payment I made on the account was well before I filed for the BK and did not make any payments during the BK proceedings. The auto was later repossessed following the end of the BK. 

2. They have the account closed date listed as XX/XX/XXXX. There is no way possible that XXXX XXXX left the auto account open for five years after the BK was discharged. This very item is interfering with my ability to obtain credit. I was recently declined credit cards twice indicating there was the presence of an account recently in bankruptcy which is caused by the account closed date of XX/XX/XXXX. 

I have on multiple occasions disputed this item with both the credit bureau and XXXX XXXX and they both refuse to fix the error on the credit report. The most recent dispute is dated XX/XX/XXXX and the investigation was completed on XX/XX/XXXX but the errors still to this date have not been corrected. 

I have attached a copy of the most recent investigation results.
Product: Checking or savings account

hello XXXX im ' sitting here in a chase bank in nys, on XXXX XXXX. or route XXXX. i lost my debit card and i just got it cause and if it werent ' me why would they send me the ppl when i guys the back office at this branch has a female, id ' look into. and you guys know me i have better XXXX to do with my life then write tonyou ... 
i had lost my debit card and chase send me a new one and address so i go t oh im XXXX by the way ... so i want ti file federal charges for violating the intelligence identification protection actand its my XXXX money, i dont care whose XXXX prez, its my money this XXXX refused to activate my debit card and so i go, i wan na close my account, hes like no ... so someone cia that you know, il gonns ] a leave this chase branch with some XXXX guy going exec orfer XXXX the us constitution. and its my cash how branches you think in XXXX cant get this fixed, but next branch i lost myid i dont have any and then they follow chase policy and ask me to punch in my ssn guys i told him everythinyg he didnt ask i told him my last withdrawl my last deposit how much where iopened the acct and like what dc excuse you gonnna send me where im leaving this bank with savings vhecking and cc # and no access to my acct even through chase corporate sent me a new debit card. and his excuse seeing my email address and pin point iwonder whose bank manager here ... either way im a stock holder and they think im XXXX why when do ya XXXX jobs!
Product: Debt collection

1. UNITED REVENUE CORP ( Original Creditor : XXXX XXXX XXXX ) I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I subscribed to Experian Credit Tracker When I attempted to cancel, I was notified that I needed to call a telephone number. No one picks up at that number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan through  XXXX    XXXX   and in the past few months I 've been hospitalized and become   XXXX   XXXX   XXXX    XXXX  and have been awarded  XXXX  benefits-although I have n't started receiving any payments yet. I fell behind on my payments but I did call the bank and try to alter my payment plan. The balance owed to them was around {$1200.00}. Without my knowledge, they sold my debt to  XXXX  collection company and  XXXX  has falsely placed a collection on my credit report for a whopping {$3200.00}.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX  XXXX - BALANCE {$920.00} Account Name : XXXX XXXX  XXXX BALANCE {$320.00} Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Credit card

I opened a credit card with Citibank a few years ago as a way to build my credit. I successfully kept up payments and utilization ratio. After a year I was offered an upgraded credit card. Unfortunately recently there were fraudulent charges that were flagged. I told them that it was indeed fraudulent. They said they needed to send me a new card and would need to close the current account. I was confused and asked how would it affect my credit score, since closing an account is terrible for your credit score. They said it would have no affect since it was due to fraudulent charges. I gave them my addressed 3 separate times, and 3 separate times it was rejected. I dont understand as I get mail and packages all of the time. I decided to check my credit score today and it dropped by XXXX points. I feel wronged as they lied to me and caused me harm. I did not ask for fraudulent charges nor for my account to be closed nor for this to be reported and cause harm to my credit score. Now I will be unable to get an apartment or mortgage. I have no idea what to do and should not have to shoulder the responsibility of fixing this. Citibank needs to fix it.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Vehicle loan or lease

2 letters to the Comptroller of the Currency 2 letters to the President of the Bank of America 2 letters each to Senators XXXX and XXXX dozens of emails and telephone calls to XXXX XXXX and XXXX XXXX of the Bank of America In each explaining that because of the novel coronavirus pandemic we as senior citizens of advancing age with serious medical conditions can not work. That in fact XXXX XXXX had to quit her job of XXXX  years because we are in the HIGH RISK category of catching the novel coronavirus No reply from the President of the Bank of America! 

Today we received a telephone call from an employee of the Bank of America from Florida. He denied our many times repeated request to reduce our monthly car loan payments to {$500.00}! He threatened to repossessing our car! He threatened to take us to court. 

Earlier today we received a letter from the Bank of America in which it demanded that we pay the amounts on the car loan that we have not paid and threatened to take us to court and to repossessing our car. 

This after all our many communications concerning the novel coronavirus as set forth above. 

The Bank of America is being brutally cruel to us, totally and completely unsympathetic and empathetic and unconcerned! 

Nor are we talking about {>= $1,000,000}! We are talking about the difference between the original monthly payment of {$770.00} and {$500.00}! And to think that the Bank of America won't bend an inch, won't budge even one penny!

Outrageous, appalling, an abomination! 

Hollywood could not make this stuff up! Nor could Shakespeare have done so either!

The people in the Bank of America one of the wealthiest and largest banks in the USA are brutally cruel to us who refuse to help us out at this most dire time in the history of our beloved country! 

The Bank of America has tens of thousands of employees but no one has the moral integrity and decency to answer us and say yes, {$500.00} per month on the car loan! 

Obscene! 

We are co-signers on the car loan! 

Their conduct is almost criminal in nature! And certainly it is quasi criminal!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I filed a dispute with the credit bureaus XXXX, XXXX and Experian for late payments that are showing on my credit report. I stated several consumer laws that I believe to be relevant pertaining to my dispute. Late payments are considered to be a transaction and can not be reported on my consumer report without written consent from myself. I demanded they be removed because transactions can not be reported on a consumer report per FCRA REGULATIONS.
Product: Mortgage

Assumption process has started in XX/XX/2020, poor customer service with lack of communication, fees for the assumption have been cashed around the end of XXXX with still being told that the loan is being reviewed by underwriting. Unable to get an exact date of when the assumption process will be completed. Have been calling on a weekly basis to only be told that the account is being reviewed. The customer service is unable to answer any question, with blind transferring to other lines.
Product: Vehicle loan or lease

I took out a loan with Prestige Financial years ago for XXXX, as of today, I still owe {$8000.00} I have paid over {$20000.00}. I can not trade it in, nor is the value of the car worth what is owed. They have processed payments without my approval. When I confronted them, they said there is nothing they can do. I 'm done with the harassment from this company.
Product: Credit reporting or other personal consumer reports

-Account name XXXX XXXX XXXX number XXXX -Account type Cell Phon -Date opened XX/XX/year> -Status Collection account. {$4.00}, XXXX past due as of XX/XX/year>. 
XXXX updated XX/XX/year> -Balance {$4200.00} -Balance updated XX/XX/year> -Recent payment - -Monthly payment - -Original balance {$4200.00} -Highest balance {$4200.00} -Terms 1 Months On record until XX/XX/year> This is what shows up on my credit report. I HAVE NEVER been a customer of XXXX nor had a cell phone through them. I have had XXXX XXXX for the last XXXX years. This was not me who attained this debt. I disputed with all three credit reporting agencies and could not reach the number for XXXX to discuss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Complaint Against TransUnion for Violating FCRA Section 607 ( b ) Dear CFPB, I am writing to formally submit a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports.

I have recently discovered that TransUnion has not updated or reported my credit card account with XXXX XXXX. Enclosed with this letter is a highlighted copy of the correspondence from XXXX XXXX, which confirms that they have updated and reported my account to all three major bureaus. It appears that TransUnion is mirroring the concerning patterns previously identified with XXXX and XXXX. 

In light of the recent CFPB actions against XXXX and XXXX for failing to conduct adequate investigations and ensuring the accuracy of consumer reports, I am deeply concerned that TransUnion is following in their footsteps. The CFPB has previously found that XXXX did not adequately investigate consumer disputes and used ineffective systems, which harmed consumers like myself. 

To further illustrate my situation, my credit report from TransUnion indicates that my XXXX account was removed from my file between XX/XX/XXXX, and XX/XX/XXXX, without proper justification or notification. This removal has adversely affected my credit score, which as of XX/XX/XXXX, shows a credit score of XXXX. 

I urge the CFPB to investigate TransUnions practices regarding the accuracy of credit reporting and their compliance with the FCRA. It is crucial that consumers are protected from inaccuracies and that credit reporting agencies fulfill their responsibilities diligently. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, CFPB XXXX HAS CORRECTED MY CREDIT REPORT