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

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved. 

accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

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

Re : XXXX XXXX Transunion Report File Number : XXXX Hi. After receiving my credit report from Trans Union I discovered that I have an exorbitant number of inquiries on report that should not be on report. Some of the inquiries consists of multiple dates. I pay all of my bills on time and have excellent credit. I 'm trying to buy a house and was denied funding due to the excessive amount of inquiries on my Trans Union report. The only inquiries that should be on my report should be the from the companies that I have open accounts with and the mortgage company from who I was denied credit. There should not be multiple inquiries either. I made an attempt to correct the issue with Trans Union via their Rep. XXXX XXXX who said that he could not access my report because it was being handled by the fraud department. I explained to XXXX that I did n't believe that a fraud had occurred and that the misreporting was, in fact, something that Trans Union did. XXXX XXXX acted insensitive to the fact that Trans Union is reporting inaccurate information about me and proceeded to give me the telephone number to their Fraud Victim Assistance Department @ XXXX after I repeatedly told him that I know for absolute certainty that a fraud did not occur. I contacted the Fraud Victim Assistance Department and the only option available to speak with a representative states, that if I believe I have been a victim of fraud to push 5 to speak to a representative. Trans Union is reporting inaccurate information and bullying consumer 's by pushing their complaints into a system that offers them no opportunity to voice their complaint and fix the errors.
Product: Credit reporting or other personal consumer reports

I previously disputed this account with XXXX and TransUnion XXXX XXXX XXXX XXXX. I let them know this account was not reporting accurately. According to the IRS when an account is charged off it is considered income, and according to the FCRA income can not be reported on your credit report. I received a 1099c ( CANCELLATION OF DEBT ) from XXXX in regard to the following charged off account. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  received a corresponding tax deduction for the uncollected amount associated with this charge off and I had to file the balance of {$3300.00} as income on my taxes! This account can no longer be reported to my credit report. This violates my rights per the FCRA, this is also tax fraud on XXXXXXXX XXXX part.
Product: Mortgage

Two months ago they said it was under final review and we would her from them in about ten days. It's been about 30 days and have not heard from them. We tried sending them payments and they were returned. We been getting the run around for the past year. It looks like they are wanting us to lose our home.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS./ 15 U.S.C 1681 SECTION 602 A. STATES | 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them. Thank you.
Product: Credit reporting or other personal consumer reports

Called Equifax on XX/XX/2024 about sending a letter to update an address. The address that they want me to update, is the Address that they sent the letter to. On XX/XX/XXXX, XXXX, XXXX of 2024 I had the same issues with Equifax and they were sending my credit report to the wrong address, after I still gave them my current address. I called Equifax on XXXX and Talked to XXXX at XXXX XXXX XXXX  and asked her to explained what was going on with my address I told her that it do not make sense that I have to verify an updated address that you continue to send mail to. I asked her to transfer me to the supervisor, Talked to XXXX at XXXX XXXX XXXX. She did her research and said the same thing that, I was told in XX/XX/XXXX, XXXXIt was not legible, but we have your paycheck stub with the address now we need your Social Security card . I asked it's one or the other. First you say it's not legible now I need another copy of my social security card. The interesting part is when I sent the updated documents in XXXX, I sent it certified mail and after that I did not have any issues. I was able to get all of my dispute results in the mail and this current address. I also called and talked to several people, they never gave me issues after I did my part. It seems like Equifax is trying to stall from disputing the information that I requested. Same complaint from XXXX now with the current address. Make it make sense.
Product: Mortgage

Today ON XXXX XXXX 2020, I ATTEMPTED TO GET HELP ONCE AGAIN FROM PHH MORTGAGE. I SPOKE TO A MANAGER NAMED XXXX. I SPOKE TO HIM BECAUSE THE PERSON ASSIGNED TO ME NEVER CALLED ME BACK. 
THE PERSON WAS ASSIGNED TO ME AS A RESULT OF A COMPLAINT TO THE CFPB. 
THE MANAGER SOUNDED AND FELT AS IF HE WAS XXXX TO ME BASICALLY. HE SEEMED TO ALREADY HAVE A PARTICULAR MINDSET. I TOLD HIM MY ISSUES AND ONE OF THE ISSUES WAS THAT I WANTED THE INQUIRIES REMOVED FROM MY CREDIT REPORT. I REJECT THE FACT THAT MY CREDIT WAS PULLED 3 TIMES WITHIN TWO MONTHS.HE SAID THAT HE DOESN'T HAVE AUTHORITY. I SAID I KNOW THAT IT CAN BE DONE BECAUSE PHH REMOVED A DISPUTED ITEM FROM MY CREDIT BEFORE. HE THEN CHANGED HIS STORY AND SAID IT WAS MY CHOICE BECAUSE I REFUSED TO HAVE AN APPRAISER COME TO MY HOME AND THE INQUIRIES WERE VALID. I TOLD HIM THAT WAS ABSOLUTE XXXX AND INSTEAD OF ASKING WHY HE SAID HE WAS GOING TO TERMINATE THE CALL IF I DIDN'T CHANGE MY LANGUAGE. I REALIZED THEN HE HAD NO INTENTION OF HELPING ME.SO I BASICALLY CONTINUED TO BLESS HIM AND HUNG UP THE PHONE. ANOTHER CONTACT WITH AN INCOMPETENT PERSON. I DEMAND TO BE ABLE TO REFINANCE WITHOUGHT PREJUDICE. I ATTEMPTED TO OBTAIN A VA LOAN AND NOT ONE LOAN OFFICER EITHER KNEW HOW TO OR WAS ILL EQUIPPED. THE LAST PERSON FINALLY WANTED ME TO REFINANCE WITH A FEE I HAD TO INFORM HER I WAS EXEMPT AS A XXXX VETERAN. SHE TRIED TO QUICKLY HAVE AN APPRAISER COME TO MY HOUSE. I THOUGHT I WAS DOING A STREAMLINE REFINANCE. I NEVER DISAGREED I JUST WANTED MY OPTIONS EXTENDED. SHE HAD AN ADDITUDE AND NEVER CALLED BACK. NOW I REALIZED THAT PERSON LIED ABOUT THE APPRAISER EPISODE. I NEVER REJECTED THE ASPECT IF AN APPRAISER. I DECIDED NOT TO DO A VA LOAN AND JUST DO A FHA WITH AN APPRAISER IF I DO NOT GET ANY HELP I WILL FILE A COMPLAINT WITH THE OFFICE OF CIVIL RIGHTS.
Product: Credit card or prepaid card

X - XX -17     STATEMENT Ive been disputing with  American Express for a while now and really feel disgusted with American Express treating me poorly, handling my account carelessly, and convicting me for something I didnt do, and continously victimizing me over and over again. Ive been with American Express for 5 years and never filed any claims or had a problem till now. How dare I even try to resolve my dispute regarding unauthorized transactions I didnt do. American Express stole my money and falsely   advertise how they protect account holders with the best fraud detection technology, but instead victimized their account holders by accusing them of authorizing transactions, refusing to provide documentation, refunding money, refusing to send documentation on their findings, and think they will get away with it by hanging up on customers, making them hold on call for a while, refusing you to talk to their supervisor, and locking you out of your account during claim process.  <P/> From   XX/XX/XXXX  to  XX/XX/XXXX  was  the total time  American ex press investigated over  XXXX  transactions. How is that possible? Ive requested doumentation and videos by phone and writing from  American Express to s end and prove that I did transactions, and they always were rude to me and refused to send documentation.  <P/> I contacted many account representatives and they would not return my calls, also sent me an email saying they called but really did n't and gave me a number that doesnt even have a way to return call or leave a message.   Ive contacted numerous account representatives at  American Express and they all    sent me an email with a copy of the only denial letter Ive received. Not one account representative contacted me and they all blew me off by sending exact denial letter. Unacceptable behavior, mocking me, treating me like a criminal, and playing games with my account. These are unprofessional, low class, ignorant, greedy people who represent American Express. Im sure I am not the only one who has been disrespected to the fullest.
<P/>
Just because I filed a claim, they immediately locked me out of my account. American Express assumed on the phone, when I didnt have a police report at the time, but i did submit one the next day, they maliciously made sure to tell me that I was lying. As you can see American Expres   s chan ged all the transaction dat es to  XX/XX/XXXX  when in  fact, when I talked to a representative he read me out all different transaction dates.  <P/> Th ey never sent me anything by mail in regards to claim. No bank statements either when Ive asked for them since American Express locked me out. Ever since Ive filed a claim, they made it impossible for me to see my bank statements. The only way I knew something was wrong with my account was being told by one representative the correct dates and transaction amounts.
Product: Debt collection

This debt is for a phone bill I co-signed for back in XXXX. I noticed it on my credit report years later. I believed my state of Texas has a statute of limitations of 7 years. Since it was about 2 years to go I let it go to the statue. I never heard anything about it again until it showed up in XX/XX/XXXX. 
Original Creditor : 11 XXXX in or around XX/XX/XXXX for {$490.00} I guess the debt was sold. 

Because I noticed it back on my credit report under the name of : SW Crdt Sys opened in XX/XX/XXXX for {$550.00} Please Help Thank You Kindly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this debt since XX/XX/XXXX with the Bureaus for reporting inaccurate information and since XX/XX/21 with the collection agencies. I requested for validation of the debt and sent me a unsigned contract and did not send all the requested validation documents and continue to report this information on my credit with XXXX XXXX. I asked for additional documentation and they just continue to ignore. Attached is the documents that they sent and an unsigned contract. They are violating my consumer rights! Also XXXX XXXX have not even opened and investigation not have alliance after i have requested for them to do so their hasn't been a recent report update or any documentation sent.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information being reported on my credit file concerning a repossession related to my vehicle loan with XXXX XXXX XXXX. The account in question has caused significant hardship, including denial of auto loan approvals, and I request its removal from my credit report. 

The details of the issue are as follows : - The vehicle was repossessed in XX/XX/XXXX. 
- Initially, the repossession was inaccurately reported as occurring in XX/XX/XXXX. 
- I disputed the information in XX/XX/XXXX, and upon resolution, the repossession date was updated to XX/XX/XXXX, I spoke with Experian regarding this matter and was informed that they only report information provided by creditors. I subsequently contacted XXXX XXXX XXXX and was assured that updated information had been sent during the initial dispute. However, this has not resolved the issue. 

On XX/XX/XXXX, an Experian agent helped me submit another dispute. Despite these efforts, the continued reporting of inaccurate repossession information has severely impacted my ability to secure an auto loan and is causing ongoing financial hardship. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and credit reporting agencies are required to ensure that the information they report is accurate and complete. Since this matter remains unresolved despite my previous efforts, I am formally requesting : XXXX. The immediate removal of this inaccurate account from my credit report due to the discrepancies and hardships caused. 
XXXX. Documentation verifying the updated information or a written explanation of why this issue persists despite multiple disputes. 
Please consider this my formal dispute and request for investigation, I look forward to a prompt resolution of this matter. You may contact me at XXXX or XXXX for any additional information or clarification.
Product: Payday loan, title loan, personal loan, or advance loan

I am reaching out to formally request assistance regarding a non-functional solar system and an unresolved loan issue involving XXXX XXXX XXXX XXXX Sunlight Financial and XXXX XXXX XXXX I purchased my solar system through XXXX XXXX, and despite having a XXXX warranty, the company has gone out of business, leaving me with no way to claim service or necessary repairs. Meanwhile, Sunlight Financial continues to hold me responsible for loan payments on a non-working system. 

I have made multiple attempts to resolve this issue with Sunlight Financial : Initial Complaint : I was told it would take a few weeks for someone to follow up, which is unacceptable as I am still expected to make payments while my system is not operational. 
Loan Deferral Request : Another ticket was created, but the representative told me she had no idea when someone would contact me. 

It is unreasonable to require me to continue making payments for a system that is not providing the service I was contractually promised. XXXX XXXX was willing to replace the damage software but XXXX XXXX  and Sunlight financial refused to complete the work guaranteed under my 5 year workmanship contract signed for this loan. I am requesting guidance on how to proceed, including whether I have legal grounds to suspend or cancel the loan due to breach of contract and failure of service. 

Furthermore, I am aware that there are multiple lawsuits against XXXX XXXX and Sunlight Financial for violations of state consumer protection laws and Floridas Deceptive and Unfair Trade Practices Act ( XXXX ) due to misleading sales tactics. I am a victim of this widespread scam, and I refuse to be held financially responsible for a fraudulent transaction. 

To escalate this matter, I have already filed complaints with both the XXXX XXXX XXXX XXXX XXXX XXXX and through the Florida Attorney Generals website. While I await responses, I am seeking your offices guidance on how to proceed. What legal options do I have to dispute this loan or hold these companies accountable? Are there any ongoing state investigations or consumer protection actions that I may join? 

Additionally, I saw that the XXXX  Attorney Generals Office is pursuing legal action against XXXX XXXX but that XXXX XXXX has filed XXXX  XXXX. 

I would greatly appreciate any assistance your office can provide in determining the best course of action to resolve this issue, whether through legal channels, regulatory enforcement, or other available consumer protection measures. 

Please advise me on the next steps I should take to ensure this matter is handled appropriately. Thank you for your time and consideration. I look forward to your response.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi paypal Inc just ban/permanent limited my account here 's the reference number : XXXX I don't why paypal just ban my account without any reason I read their term & condition and didn't see any violation I've done when I ask their costumer support they just telling me they can provide specific reason like huh?? 

Hi paypal you know I have still money in my account and I need that money but you see what have you've done I cant get my money because you ban my account.You see I use youre service because of my business, this is the only way client can pay me but you ban my account! Am trying to reach you out on a phone call but you're unreachable. PLEASE FIX ALREADY MY ACCOUNT. 

THANK YOU!