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

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXXXXXX XXXX XXXX XXXXXXXX XXXX PA XXXX RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX. XXXX Account number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX  Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation of multiple FCRA laws. I am attaching proof of violation in the contents of this letter as well. 
1.Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 2.Fact, I am sure the removal of information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to the lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; 3.Fact, the Fair Debt Collection Practices Act states the Permissible purposes of consumer reports and an unauthorized inquiries. You are report unauthorized inquiries to my credit report to avoid running a risk of fraud I demand removal, so be it, and ; 4.Fact, the Fair Debt Collection Practices Act states I have right to dispute inaccurate information, I demand all inaccurate misspelled names, address, and inaccurate accounts be remove immediately, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your in order avoid me receiving further injury, damages, mental anguish, reputation, and losses due to me being a victim of identity theft, so be it, and;
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Product: Debt collection

XXXX XXXX at XXXX XXXX XXXX XXXX has been calling our store calling our employees derogatory names, and subjecting them to other means of verbal harassment. As recently as today, XXXX XXXX has called family members of the owner of the store, most notably the XXXX mother of the store owner who is in frail health. 

XXXX XXXX has called the family members of the store owner on their personal cell phones subjecting them to verbal assaults.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XX/XX/XXXX account was close and paid off with a XXXX balance they refuse to update the information on my credit report XXXX XXXX XXXX XXXX this account is close. It paid off with a XXXX balance. They refused to update the information on my credit report. 

XXXX in XX/XX/XXXX this account is closed and paid off, is still shows up with a negative balance, a late payment and they refused to update it on my credit report
Product: Mortgage

In XXXX XXXX, I submitted a complete loan modification with Bank of America to modify my second mortgage of {$150000.00}. I am currently delinquent {$19000.00} in mortgage payments on my primary residence. I was actively and diligently working with my loan relationship representative to modify my loan. On XXXX XXXX, XXXX, I was approved for trial loan modification payments of {$630.00} for the months of XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. I made all my trial payments as requested and was expecting to have my loan modified. 

On XXXX XXXX, XXXX, Bank of America recorded a Notice of Default to foreclose on my property. I made all my payments as agreed. Bank of America lied to me and lead me to believe they were working with me in modifying my loan. 

Bank of America intentionally used dual- tracking while I was on a trial loan payment period. 
Bank of America has violated the California Homeowners Bill of Rights, which prohibits dual tracking. Bank of America continues their unethical, fraudulent, and corrupted business practices with the public. Bank of America is hurting the nationwide public by practicing dual tracking with home owners. 

A Bank of America employee signed a written California Declaration stating she was unable to contact me to assess my financial situation and what options were available to me. 
Bank of America proceeded with recording a Notice of Default for foreclosure. The Employee has lied under the written Declaration of being unable to contact me. I was in a active loan modification review with Bank of America working with my relationship rep. to modify my loan. 

The Bank of America employee who signed the Notice of Default written California Declaration, ROBO Signed the written Declaration. I was always in contact with my loan representative working with her in obtaining a loan modification. 

This complaint must be forwarded to the Office of the Comptroller of the Currency ( OCC ), The U.S. Federal Reserve, and the U.S. Treasury Department. I will also be making a complaint with the Federal Bureau of Investigation ( FBI ) to document this corruption and to request an investigation of Bank of America illegal loan activities.
Product: Debt collection

I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a DUPLICATE complaint and this not being filed by a Credit Repair company or a 3rd Party. 

In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to 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 1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX XXXXXXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is trying to collect a credit card debt that is not mine. Someone stole my information and opened a Capital One Union card with my information. 
They called my wife 's cell # and demanded she verified all my information thereafter demanding she paid my debt. The phone # they called my wife from is XXXX. 
Capital One has been trying to take money out of my XXXX bank account to pay the credit card. I called XXXX and put a stop to the payments. I haven't been able to resolve the issue with Capital One and now XXXX XXXX XXXX XXXX XXXX is calling my wife for payment.
Product: Debt collection

I was mailed a settlement offer letter. The letter was received after the due date for the settlement. I attempted to contact the collection agency multiple times and they refused to honor the settlement offer and payment arrangements. When I asked them to stop calling me they continue to call all of the representatives and supervisors we 're rude and threatening except  XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

This complaint is in regards to the account XXXX # XXXX. It is illegal to report transaction history for utilization.
Product: Credit reporting or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with XXXX, Equifax and XXXX 45 days prior to filing a complaint. I have yet to receive a response. 

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

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 XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I initiated a transfer with my Chase account and my credit union, XXXX. Since the account was new, Chase asked me to verify the validity of the account via trial deposits. On XX/XX/XXXX, I logged into my POLAM account, along with my Chase account, and verified the two trial deposits : one for {$.00} and the other for {$.00}, totaling {$.00}. After verifying the deposits, the bank permitted me to remit funds to the external account. I inputted a transfer amount of {$2000.00} and initiated the transaction. 

However, the following day, I received an email from Chase that I had a secure message. The message indicated that the transfer was cancelled with no context behind the cancellation. I contacted Chase via telephone on XXXX the XXXX at XXXX pm XXXX. After speaking with the first representative, I stated that it was unfair for the bank to take me through the verification process, obtain the details of my external account, only to present the idea that it was going to send funds to my external account but to just deny the transfer. I requested my concern be escalated to management. The supervisor then spoke to me and asked me what the details of the external account were ( routing and account number ). I told him that those details were already provided when I established the external account on my profile. He stated that when Chase determined that the information " could not be verified, '' they deleted the entire account, along with all details. I was shocked as to why the bank would not only take me through the process of external account verification but would then strip all evidence of the external account to where even internal staff were not able to source it. 

I am asking the XXXX to conduct a review of this transaction under Section 5 of the Federal Trade Commission Act. I am unsure what the bank has done with the external details regarding my account, along with why the bank would take a customer along a process of account verification and permit me to initiate a funds transfer, only to deny the transfer the following day and prevent me from transferring my funds to my desired account. From my perspective, the bank improperly performed an act of coercion and held my funds when no external factors could evidence why the funds could not be remitted. Lastly, the bank is required, per regulation, to maintain documentation of account transfer up to the statutory timeframe. Where has the bank stored this data?
Product: Credit reporting or other personal consumer reports

I am demanding the deletion of the account XXXX XXXX XXXX XXXX. Not only is the collection agency reporting this account illegally by not verifying the account, per FCRA and FDCPA regulations, the alleged balance is less than {$500.00} and should not be on my consumer report. Congress passed the No Surprises Act to help protect XXXX  from certain unexpected XXXX  bills, including surprise XXXX  bills for XXXX  services from out-of-network providers. XXXX XXXX under {$500.00} are to be removed per the change that went into effect XXXX XXXX. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA and FDCPA. According to this regulation, I XXXX sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are reporting unauthorized credit inquiries which I have attempted to dispute online with no results. Upon noticing the unauthorized inquiries, I immediately placed a temporary fraud alert on all reports. I would like these false inquiries removed from all 3 reports. 

XXXX XXXX XXXX  XXXX XXXX  TU : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

I am writing to formally dispute the accuracy of the information reported on my accounts, specifically Account Number : XXXX. Below are the details of the discrepancies I have identified : Account Details : Account 1 : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Balance Owed : {$2900.00} ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) Account 2 : Experian Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Balance Owed : {$2900.00} ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) Account 3 : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Balance Owed : {$2900.00} ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) Dispute Details : The balance owed on all three accounts is reported as {$2900.00}, which I believe is incorrect. 
The reporting dates for these accounts are inconsistent with my records. 
I have previously disputed these inaccuracies, but they have not yet been resolved. I kindly request that you review and correct the following : Update the balance owed to reflect the accurate amount. 
Correct any inaccuracies in the reporting dates and account status. 
Please provide me with a written confirmation of the resolution once these corrections have been made. If you require any further documentation or information from me to process this request, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


XXXX5 U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C1681 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 or convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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 intentions are inaccurate.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$21000.00} 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

I do not have the date, but when I recently called the phone number in the letter from XXXX XXXX XXXX, the representative could not tell me why my credit was run without my permission as evidenced in my Experian credit report. After writing Experian, the item has been removed but I want to file a complaint for this should not have happened.
Product: Credit reporting or other personal consumer reports

Equifax has not updated payments that were made when XXXX and XXXX have the latest and greatest information from XXXX and XXXX XXXX. For example if you see the attached you will see that it shows the last payments are made in XXXX when the other credit bureaus show my XXXX payments and my XXXX payments were just made. They don't update anything.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning incorrect addresses and unauthorized inquiries on my credit record. This information does not belong to me. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. I need this fraudulent information removed immediately.
Product: Debt collection

Car was purchased from XXXX XXXX it was originally XXXX and was then sold to XXXX XXXX XXXX. The account is over 7 years old but company is using the date it was sold and not the original date. XXXX deleted the account however XXXX and XXXX after repeated attempts including giving the documented proof they refuse to remove the account.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX  XXXX XXXX - XX/XX/XXXX - {$XXXX} XXXX - XXXX - XX/XX/XXXX - {$XXXX} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Student loan

I have contacted FedLoan servicing repeatedly regarding 19 payments that were made towards my Public Service Loan forgiveness count. These payments were made on time and during a income contingent payment plan prior to COVID and during a time period from XXXX. Somehow during the transfer of the loan to different servicer the payments that were made are now listed as being made during a forbearance or grace period and DO NOT COUNT. These 19 payments were not made during forbearance. Honestly if I was in a forbearance why would I be paying approximately {$600.00} a month towards the loans in question. I have requested the forbearance be removed. I have disputed the accuracy of the payment count. I receive random generic emails with form letters stating my request is denied. I can not reach a person by phone or online. Please provide assistance with this payment count and review of my student loans. I have included copies of the denials and today 's additional requests. While recognizing that everyone is understaffed and busy, there is not any ability to contact anyone to resolve this error, which is unacceptable.