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

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Urgent Resolution Needed : Addressing FCRA Violations in Credit Report Dear Transunion, I am writing with utmost urgency to address substantial discrepancies discovered in my credit report that directly conflict with the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). It has recently come to my attention that my credit profile contains multiple errors, signaling a concerning disregard for FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a pivotal federal statute governing the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and dissemination of a consumer 's credit data, with a strong emphasis on transparent information sharing with consumers. 

Instances of FCRA violations observed include : Creditors furnishing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name or social security number similarities.

Agencies neglecting prescribed protocols for handling disputes.

My rights under the Fair Credit Reporting Act include : The right to verify the accuracy of my report, particularly for employment purposes.

Notification if information in my file has been used against me in credit applications or other transactions.

The ability to dispute and demand bureaus rectify and remove incomplete, erroneous, or unverifiable data.

Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ).

I formally request the immediate removal of the listed items below. These items egregiously breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, notably evidenced in my recent denial for extended credit, a direct result of errors originating from your agency. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX- This address belongs to someone else. Delete it from my report immediately. 

3. I was never late on this account. XXXX already removed all the late payments on this account. 
XXXX Account Number : XXXX I demand XXXX and Transunion remove late payments on this account I anticipate prompt action to rectify these violations within the mandated timeframe by the FCRA. Failure to comply will, unfortunately, leave me no recourse but to pursue legal measures to ensure my rights under the FCRA are respected. 

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

Upon looking at my Experian Credit report I notice several fraudulent reports that are reporting. I am not aware of this accounts. I have a police report and supporting documents for identity theft. Please review
Product: Credit card or prepaid card

Victim of a phishing attack that reached me through one of my XXXX   XXXX. Following the direction on an offer of being appointed as an XXXX for a XXXX XXXX company, I withdrew cash for 2 Cashier 's Checks received from the fraudulent party of {$2900.00} each XXXX Total {$5800.00} ) and purchased gift cards for {$5100.00}. Since the bank was able to pay for the Cashier 's Check, it did not occur to me to question the validity of the Cashier 's Checks and assumed those were legitimate transactions. I emailed the scanned copies of the gift cards to the fraudulent party. 

After few days, the bank email alerts me with a negative balance in my checking account for the return of the Cashier 's Checks with notation 'ALTER/FICT '. I visited the bank and explained them the situation and questioned why did they gave me the cash if those were fictitious cashier 's checks. This fraud was avoidable if the bank would have taken the correct step in time. I requested for bank 's insurance to cover this loss which was in part aided by the lapse of verification steps while disbursing money against cashiers ' check. The bank did not consider my request and they asked me to deposit money into the account to avoid further penalties and adverse reporting to credit rating agencies due to the negative balance. 

Generally cashier 's check is issued by bank to a legitimate party only after receiving an equivalent cash amount. Hence it should be within the procedure of the bank to validate the legitimacy of the cashier 's check before disbursing money against that. This understanding of the process caught me off guard and exposed me to this loss. That lapse on the part of the bank has an indirect role to play in my loss. 

Additional Detail : Contact details of the fraudulent party : Email : XXXX Phone Number : XXXX XXXX XXXX XXXX Bank that disbursed the cash to me against Cashiers ' Checks : Wells Fargo Bank XXXX XXXX XXXX XXXX, XXXX NC XXXX Phone Number : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello On XX/XX/23 i pulled my credit report and seen there were some inaccurate information listed. I sent a letter to transunion to dispute some late payment information that they never responded or even acknowledged my concern. it has been well over 30 days. See attachments
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against IC System , Inc., for committing identity theft. I have never given IC System , Inc., any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with IC System , Inc. and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/23, I have not received any documentary evidence, such as a trilateral contract, giving IC System , Inc. any right to collect on this alleged debt. 
I have never received any documentation requesting validation from IC System , Inc., before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If IC System , Inc., can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until IC System, Inc., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and IC System , Inc., continues its collection efforts, I will file for litigation for actual damages caused and IC System , Inc., will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Vehicle loan or lease

I am experiencing financial hardship due to job loss. And due to that situation, I have fallen behind on my payments because my income has dropped considerably since XX/XX/2019.I can no longer afford the terms of the original loan.
Product: Mortgage

I was contacted by XXXX XXXX XXXX XXXX to refinance my VA loan to receive a lower interest rate and monthly payment. 
I was told it would my payment from {$1400.00} by approximately {$100.00}, and no payment for XXXX if I closed in XXXX. Considering I was in the loan since XXXX, it was still beneficial to refinance. However, I was not told I had to stop auto pay to avoid the XXXX payment. Nor was I told I had to refile for the homestead exemption again until after the 3 day period after closing. My monthly payment went from {$1400.00} a month to {$1600.00} a month until the new tax information could be entered or XXXX at the earliest. As a veteran on a fixed income, this has caused a devastating financial hardship.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit file with TransUnion that was caused by identity theft. I am requesting that you block and delete this information as per the provisions of 15 U.S. Code 1681c2, which mandates that consumer reporting agencies block and delete information resulting from identity theft once proper documentation is provided. 

TransUnion has deliberately removed the ability for consumers to initiate disputes directly through their online platform by creating intentional system errors, effectively forcing individuals to submit their claims via traditional mail. This calculated maneuver not only introduces unnecessary hurdles in the dispute process but also significantly extends the timeline for resolution. By imposing this cumbersome requirement, TransUnion is creating an undue burden on consumers and discouraging rightful disputes and delaying critical corrections to credit reports.

This shift in policy raises serious concerns regarding consumer rights and regulatory compliance. The Fair Credit Reporting Act ( FCRA ) was designed to ensure accuracy and fairness in credit reporting, yet TransUnions recent actions appear to be in direct conflict with these principles. By eliminating digital dispute options, the credit bureau is imposing arbitrary barriers that disproportionately affect individuals seeking timely corrections. This practice may not only warrant regulatory scrutiny but could also be subject to legal challenges for unfair and deceptive business practices. 

PLEASE INVESTIGATE ANY CLAIMS LIKE THIS AND HOLD TRANSUNION ACCOUNTABLE THROUGH SANCTIONS AND FINES FOR THEIR WRONG DOING.
Product: Debt collection

( XXXX XXXX ) IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT THAT IS UNVERIFIED AND INACCURATE. THIS IS A VIOLATION OF THE FCRA AND FDCPA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DELETED WHITIN 7 DAYS I WILL BE SEEKING REMEDY UP TO {$1000.00} PER VIOLATION UNDER THE FCRA AND FDCPA FOR EVERY VIOLATION AND EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL BE TAKING LEGAL ACTION AGAINST ( JEFFERSON CAPITAL ) BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. EVEN IF YOU ARE HIRED OR CONTRACTED BY ANOTHER COMPANY, I WILL BE SEEKING AND TAKING ACTION AGAINST YOUR COMPANY. YOU HAVE 7 DAYS. THANK YOU.
Product: Student loan

XX/XX/2016 I had an unexpected auto payment withdrawn from my checking account without my knowledge through Navient. I had previously had autopay, but called and canceled it around XXXX 2016 due to hardships, so I would call in and make an over the phone payment with my credit card so I could control my finances more. My Federal loans remained on autopay but not Navient because Fed loans offer loan forgiveness when you make 10yrs of on-time payments while working for non-profit. When I called, they said I scheduled the payment back in the end of XX/XX/XXXX which does not make sense to schedule a XX/XX/XXXX payment 2months prior. I asked for stop payment because that money was coming out of my rent check and I never pay additional bills out of my rent check. They said because my due date was the XX/XX/XXXX, and if they refunded my amount that my account would be in default that they could not refund my money to me. It was a very rough 2 weeks to follow especially seeing I was traveling out of state for a wedding the next morning. So I definitely know I would n't plan a withdrawl of such a significant amount around that time.
Product: Debt or credit management

Lexington Law charged me upfront for monthly for credit repair services to no avail. I deserve to be apart of the class action lawsuit
Product: Credit reporting or other personal consumer reports

I called Experian customer support on XX/XX/year> and said that they had incorrect Personal Information in my credit report. 

The agent reviewd and as they reviwed it would be corrected said they would fix and did not fix it. 

The Personal Information information is still incorrect on a number of items.
Product: Credit reporting or other personal consumer reports

Yesterday I submitted an FTC report regarding numerous fraudulent inquiries on my credit profile. Today after further review, I discovered more unrecognized accounts on my credit profile. I did not authorize these accounts whatsoever ; These need to be deleted immediately. I am a victim of the XXXX DATA BREACH. 

US DEPT ED XX/XX/XXXX ( {$620.00} ) US DEPT ED XX/XX/XXXX {$1000.00} ) XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I filed a complaint with CFPB in XXXX The issue was resolved to reflect that the account was paid in full with a XXXX balance per XXXX response to CFPB. I got a alert stating that the information was placed back on my credit report showing that I have a balance of {$120000.00} and pastdue of XXXX with monthly pymtss of {$840.00} per month as of XXXX XXXX.
Product: Debt collection

I was told a request was received on XX/XX/year>, to verify employment. 
We have no clue what this is about or who they represent
Product: Credit reporting or other personal consumer reports

Subject : Final Notice Unresolved Dispute of Inaccurate Information on Credit Report under FCRA, TILA, and PAANL Dear Consumer Financial Protection Bureau, This letter serves as a formal complaint against the three major credit reporting agenciesExperian for their failure to resolve an unresolved dispute regarding inaccurate and misleading information that continues to be reported on my credit file. 

Despite my previous efforts to dispute the incorrect reporting of late payments on my credit report, related to my Auto Loan with XXXX XXXX XXXX, Account Number XXXX, the issue remains unresolved. These disputes were filed on XX/XX/XXXX and XX/XX/XXXX, and despite providing clear documentation of the errors, the agencies have failed to correct the inaccuracies. 

This failure to act constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, which mandate that credit reporting agencies and information furnishers ensure maximum accuracy in reports and correct inaccuracies promptly. Additionally, this issue falls under the Truth in Lending Act ( TILA ) and the Protection Against Non-Payment of Obligations Act ( PAANL ), which emphasize the need for accurate and timely reporting by creditors. 

Legal Implications I am invoking 15 U.S. Code 1681n and 15 U.S. Code 1681o, which establish civil liability for willful or negligent noncompliance with the FCRA. As the credit reporting agencies have failed to meet their legal obligations, I am prepared to seek damages and legal costs. 

Relevant Case Law : XXXX XXXX XXXX XXXX XXXX, 115 F.3d 220 ( 3rd Cir. XXXX ) : This case established that credit reporting agencies must conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. Failure to do so may result in liability for damages. 
XXXX v. XXXX XXXX XXXX XXXX, 495 F. Supp. 2d 831 ( N.D. Ill. XXXX XXXX : This case demonstrated a violation of TILA, emphasizing the creditor 's obligation to provide accurate billing and payment notifications. 
Final Request for Resolution I request that the CFPB intervene and ensure that the XXXX credit reporting agencies correct the following inaccurate late payment entries on my credit report : Date of Late Payment Report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Failure to correct this information within 10 days of receipt of this letter will force me to escalate this matter further. This includes filing additional complaints with the Federal Trade Commission ( FTC ) and my states Attorney General 's Office. Moreover, I will proceed with legal action to recover any damages resulting from the ongoing inaccuracies in my credit report. 

Please confirm in writing that this information has been corrected and that my credit report has been updated to reflect accurate data. I look forward to the CFPB 's prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a call on XX/XX/28 from someone claiming they are from Wells Fargo. The call came with Wells Fargo number. He told me there has been fraud on my account ( debit card and a wire of {$24000.00} ) and asked if I approved these transactions.. Then he asked for me to read him a few codes that he will send. A few codes came from the bank ID. I read them back to him. 

When I called the bank on the same day, they said they will try to stop the wire. Then they said they were unable. I talked to the fraud department multiple time and they denied their responsibility. I was transferred to the executive branch. I received a call from XXXX XXXX there who said she will look into it. Today, she called me ( and asked me to read back a code coming from the same ID ) and said that unfortunately she can't help. 


I know of a few people that fell for this scam ( They got their money back ). I also went to the police station to file a report as XXXX XXXX recommended and the officer told me he has seen a few similar case. 


I believe it's the bank 's responsibility and their security measure are inadequate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in 2018 and this creditor was paid off. There is something still showing up on my credit report as past due and late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, XXXX XXXX XXXX XXXX TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX believe it was reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This secured credit card account was closed and later charged-off in XXXX by Wells Fargo who did so without my notice and refused to allow me to pay the {$140.00} balance for deleting the negative remark on my credit report. After repeated attempts to deal with Wells Fargo directly without success, I wrote all 3 credit reporting agencies asking them to delete this account for inaccuracies such as : showing a current balance when the account has been closed for years, reporting a closed account date while also reflecting a current balance, reporting a current status on a closed account Wells Fargo refuses to reopen to allow payment for deletion, as well as other inaccuracies including incorrect dates reported consistently throughout all 3 reporting agencies. 

The last certified letters were mailed to all 3 bureaus on XX/XX/XXXX, today is XX/XX/XXXX and I still have no reply as to the status of the investigation and I am requesting the CFPB outright stricken and delete this inaccurate entry on my credit report across all 3 credit reporting agencies.
Product: Credit card or prepaid card

In XX/XX/2019 I paid my bill for my Bank of America XXXX XXXX XXXX cash rewards Visa signature credit card one day late. I have never paid a bill late in my life, and have never paid a cent of interest ... I pay my whole balance every month. I am XXXX years old, so this has gone on for quite some time. Bank of America charged me a {$25.00} late fee ... I can not tell you how many times I have tried to reason with them about my perfect record ... and do you really want to lose a customer ... even during the COVID-19 pandemic. They are fighting me to the death on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed collectors due to misinformation & violations of rights. The collectors were supposed to remove the blemished marks off my credit report & have failed to do so. In accordance to the FCRA a number of my federally protected consumer rights have been violated. My right to privacy & confidentiality has been violated under 15 USC 1681 as stated in the FDCPA. Rights such as 15 USC 1681 sec 602 ( a ) states a consumer reporting agency can not furnish an account w/out my written consent. 15 USC 1681C ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing items of information, any other adverse items of information records if convictions of crimes which out dates the report more than 7years. I've addressed this matter with XXXX XXXX, XXXX, XXXX XXXX XXXX midland credit management. The blemishes were removed ( XXXX XXXX ) on only one account through XXXX. They were both expected to be removed/deleted from my credit report both XXXX  & XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Reporting a fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and data breach which is the result of identity theft and fraud. These fraudulent accounts consists of a credit card accounts from XXXX XXXX XXXX XXXX opened around XXXX  2019 and another one around XXXX  2018, one at XXXX XXXX XXXX XXXX  around XXXX  2016. An Auto loan at XXXX XXXX XXXX XXXX around XXXX  2018, and XXXX XXXX XXXX around XXXX  2017. These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX l and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to the FCRA and FDCPA. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud. I have attached a copy of FTC XXXX XXXX XXXX Complaint XXXX  ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of XXXX XXXX  and fraud.