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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX Re : Request for Deletion Due to TransUnion Failure to Respond within 30 Days Re : CFPB Case # XXXX Re : Account Name/Number : XXXX XXXX Credit # XXXX Dear XXXX I am writing regarding my previous dispute on the account listed above, which I submitted on [ XX/XX/XXXX ]. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), as a consumer, I am entitled to have any disputed information reinvestigated and verified within 30 days of submission. It has now been more than 30 days since my dispute was filed, and the original creditor, [ XXXX XXXX XXXX # XXXX ], has failed to respond to the dispute. 

As per the law, since TransUnion has not responded to the dispute within the mandated time frame, the information regarding this account should be considered unverified and must be removed from my credit report. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when an item is found to be inaccurate or can not be verified, it must be deleted or corrected from my consumer file. 

Therefore, I request that you delete the [ XXXX XXXX XXXX # XXXX ] from my credit report immediately as the original creditor has failed to verify the accuracy of the reported information within the statutory period. 

Please note that I have already sent a certified letter to the original creditor requesting validation of the debt, but they have not provided any verification or documentation in the required time. As such, under the Fair Credit Reporting Act ( FCRA ), the account should now be considered disputed and should be removed from my credit file. 

Additionally, please send me an updated copy of my credit report reflecting the removal of this account after you have taken the necessary actions. 

Failure to comply with my request may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies under the Fair Credit Reporting Act ( FCRA ), and taking appropriate steps to enforce my rights. 

Failure to remove this account will also violate Fair Debt Collection Practices Act ( FDCPA ) section 1692g. Which I will be requested a {$1000.00} for each violation. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that this account has been removed from my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

My loan payment, set by my private lender, is in excess if {$2000.00} per month. I, however, make just over {$3000.00} per month - post taxes and other withholding fees. After explaining my situation to my lender and trying to find pathways to reduce my payment to a financially feasible amount, the best they seem able to do is reduce my payment to just under {$1000.00}. 
I understand that my total loan amount with this lender is nearly {$200000.00}, but a more realistic payment would be attainable if my interest rates did not range from 7.25 to 10 %. I have continued to make " good faith payments '' to demonstrate that I am willing to pay and in no way attempting to blow off my responsibility, but being a that I only graduated XXXX months ago, it is virtually impossible for me to come-up with the type of money they are demanding. I would turn to my family and my cosigners, in particular, for more help, but the required repayment and subsequent repayment options offered by my lender still leave us desperately inadequate. 

I am currently seeking higher paying employment and ways to reduce my living expenses, but my options and professional growth as an XXXX are limited as a direct result of my crippling student loan debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because Transunion continues to report unverified, incorrect, and inaccurate information, this complaint is directed again at Transunion. I sent them a letter and called them even with respect to supposed obligation of the record reflected in my credit report wherein I was never told of this supposed obligation. This collection agency is violating the CFPB 's new Debt Collection Rule, which takes effect on XX/XX/, by reporting an unsubstantiated debt without providing proper notice prior to reporting. 

My privileges has been abused various times. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Credit reporting or other personal consumer reports

CASHNET USA is showing up on my credit report repeatedly for a loan from the year XXXX. They continue to renew this loan on my credit report and the most recent renewal is XX/XX/XXXX. The telephone number listed gives me other numbers to call. Eventually, I am connected to a voicemail where no one is available. They refuse to resolve this issue and there is no one who will help me. This debt continues to affect my credit report XXXX years later.
Product: Money transfer, virtual currency, or money service

I opened a Square account under XXXX email / small business name on XX/XX/XXXX. We used Square with no issues all summer long and had little to no refund requests from our customers. In XXXX or XXXX, days before our next business event, our account was closed, and since then, we have not been able to obtain additional information as to why, nor do I see a refund of {$230.00} in our Square account. 

SQUARE PROMISED XX/XX/XXXX ( see attached file ) that funds would be held for 90 days and released within one or two business days of XX/XX/XXXX. It is now XX/XX/XXXX, and the funds have not been released or refunded. 

I've attempted to transfer the funds from the Square website, and it will not allow me to. This should be illegal to treat customers this way, and people in general. SQUARE HAS NOT provided any details as to WHY or WHAT the reasons were for canceling my account, never once giving us the opportunity to dispute or fix the issue they found ( if any ). Please transfer my money in my Square account to the XXXX checking account.
Product: Mortgage

We refinanced our mortgage with Cardinal Financial in XXXX. Since we refinanced Cardinal has not been able to pay our property taxes in a timely manner. Property Taxes are due today an no payment is scheduled by Cardinal Financial. This will be the 3rd time Cardinal Financials has paid our Property Taxes late and I now have a late payment assessed on my property. Over {$1800.00} is due today and Cardinal Financial does not show payments for property tax until XXXX and XX/XX/XXXX. We have already sent in the late payments notices to Cardinal Financial and nothing has changed.
Product: Credit reporting or other personal consumer reports

I had a case of identity theft and notified all creditors on my report. I received a response back from XXXX  XXXX XXXX stating they will be removing the account from credit reporting agencies. I sent a copy of this letter to all three credit bureaus by Certified Mail. In the letters I requested the deletion of the account, per the promise I received from XXXX  XXXX XXXX. It is now XXXX and XXXX  XXXX XXXX, XXXX, and Equifax have failed to delete the account. I sent a similar letter to XXXX, and the account was promptly deleted. The law dictates that all of my consumer reports have the same information and be identical to one another. I am requesting XXXX and Equifax to follow suit with XXXX in deleting this account so that all of my consumer files are the same. I have attached the letter from XXXX  XXXX XXXX and the deletion from XXXX to further expedite this request. I pray that XXXX and Equifax acts in good faith to ensure this account is removed promptly. It is considered inaccurate information and is damaging my credit file. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ASct this creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAVY FEDERAL CR UNION ) has violated my right under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting inaccurate information on my credit report pertaining to XXXX. I do not owe XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit record it shows me that I have a Citi bank card worth {$30000.00} which does not belong to me, at no time have I shared my personal information or any other information so that this account appears in my report. 

There are so many errors in this account that only the XXXX  reflects is not an account that the 3 credit agencies verify so any information about this account does not belong to me at all.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$2200.00}, XXXX XXXX Balance : {$0.00} & XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

refer to cfpb compliant XXXX. 

My compliant is this credit bureaus has not complied with fcra guidelines and provided me proof of their investigation. 

This credit bureau has not furnished to me in writing the proof of the investigation of my complaint filed back in XX/XX/XXXX with in 30 days on the inaccurate reporting of 3 different bankruptcies inaccurately listed on my credit file. 

This credit bureau is in violation of FCRA for non compliance of inaccurate data furnished on my credit file and not providing me proof ( i.e. signed petition of bankruptcy ) XXXX  not reporting correctly and I need the Proof! 

XXXX  vs. Transunion XXXX and FCRA and Congress says the Burden of Proof is on the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter INFO I sent out, and here is the Tracking #. XXXX AND XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I HAVE THE CREDIT REPORT SHOWING THE inaccuracies. 

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

TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, Virginia XXXX XXXX : ( XXXX ) XXXX SS # : XXXX XXXX : XX/XX/XXXX RE : IMMEDIATE BANKRUPTCY DELETION To Whom It May Concern : After MANY failed attempts to have you update my credit file accurately, and, to delete those XXXX bankruptcies listed as DISMISSED, rather than XXXX in XXXX in which Ive apprised your company multiple times that I didnt file for bankruptcy EVER before. Id informed you that my vengeful ex-husband, XXXX XXXX a vicious attempt to damage me filed those XXXX XXXX bankruptcies in both of our names without my expressed permission. According to the XXXX Bankruptcy XXXX in XXXX, Maryland in which they were filed, the cases were dismissed because I wasnt present, nor was my state identification supplied. Therefore, this is XXXX. 
It goes without saying that your company is well-aware of the fact that I am a double minority, therefore, I am left to conclude that TransUnion is XXXX, actively, and selectively targeting and discriminating against, and perhaps indulging in some type of retaliatory practice. That is unacceptable, unethical and I wont stand for it. I will alert all media outlets of this injustice if this situation isnt remedied IMMEDIATELY. 
Furthermore, TransUnion is fully aware that these fraudulent items are adversely affected my credit rating by making it difficult/or impossible for me to get approved for a loan outside of predatory lending. I am currently susceptible to higher rates and terms on approved loans, costlier insurance, difficulty qualifying for a traditional cellphone contract, fewer credit card and loan options, difficulty getting a mortgage, trouble renting a place to live, fewer career opportunities, upfront costs for utilities AND delayed wealth and even retirement. 
XXXX doesnt have any bankruptcies listed on my consumer report. XXXX has removed those bankruptcies as well as XXXX XXXX. Also, XXXX emailed me and reported that they didnt furnish any bankruptcy information on me. 
Bewildered, XXXX XXXX XXXX *Enclosed : I have attached proof of my claims for your review and consideration.
Product: Debt collection

I noticed that Credit Consulting Service Inc. has put a collection item on my credit report early XX/XX/2018  with original amount of {$1200.00} ; so I called XXXX to dispute and XXXX  came back to me stating Credit Consulting Service Inc insisted that this is a valid collection item -- - I strongly disagree with this statement ; as a debt collection agency, Credit Consulting Service should provide informed and justified conclusion on  the validity of the debt, rather than just taking the opinion from the creditor and ignoring the voice from the consumer side. As a result, I do think Credit Consulting Service Inc didnt comply to the Fair Credit Reporting Act by not distributing a fair and accurate summary of a consumer 's credit history to credit bureau
Product: Checking or savings account

XX/XX/22 My XXXX XXXX account was hacked and my debit card bank of America was attached. So there were 3 transactions and 2 went through {$990.00} and {$700.00} and {$280.00} were declined. Money was sent to XXXX. In XXXX XXXX they explained me only Bank can help me. I did everything from my end. police report but bank denied my claim 2-3 times. Moreover they didn`t even try to investigate what they supposed to do police told me. the time the claim was open not more than 1-2 weeks. I sent them all profs from my email how many times they changed my XXXX XXXX account for 2-3 hours. And that bank of America sends me account alert on my phone only in 8-9 hours after transaction was made. I already complained on it too. But they said there is nothing they can help me with. Under regulation E they have to give my money back. But I never receive it back
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a recent inquiry that appeared XX/XX/2022 on my credit report. The inquiry SYNCB/CARE CREDIT was not authorized by me, and I believe that it is a result of fraudulent activity. I am concerned about the impact that this inquiry could have on my credit score and overall creditworthiness. 

I have reviewed my credit report and have not applied for any credit or loans recently that would warrant a credit inquiry. I believe that this inquiry is the result of identity theft or other fraudulent activity. I take my personal information security very seriously and have taken steps to safeguard my information, such as regularly monitoring my accounts and using strong passwords. 

I am requesting that this fraudulent inquiry be removed from my XXXX credit report immediately. I have already contacted the other credit reporting agencies to report the fraudulent activity and have placed a fraud alert on my account. I am willing to provide any additional information or documentation necessary to support my dispute. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon with the results of your investigation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am putting a complaint in on sofi banking. 
I have been banking with them since 2021. 
They have frozen my account without a reason to why? I have tried to contact them, but everytime it says leave a message and fraud department will reach out. The fraud department do not reach out in a timely manner.. I have deposit that are being on hold due to my account being frozen.
Product: Vehicle loan or lease

GM financial Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX I am writing to request the investigation and correction of a repossession that appears on my credit report. The credit report number is listed above the repossession is listed above far as date it was open and closed with account number included and creditor name. 
The repossession is inaccurate because as you can see on credit report it shows two different account balance for certain amount owed its not accurate whats so ever I am request item be removed I have attached documents for this dispute and supporting evidence please reinvestigate this repossession and delete account as soon as possible
Product: Credit card

Hello I did a balance transfer with Well Fargo bank back in XXXX of 2015. The transfer never hit my account to XXXX credit Union.. I have been asking for the amount to be credit back to my card. They told me there was a bank error. The transfer was for $ {$700.00}. After going to the bank and talking to them every week since XX/XX/XXXX. They told me it would take 60 days To get the amount credit back to my card. The bank told and XXXX XXXX at the XXXX bank that it was a bank error. They told us it want to the wrong account number. I am still waiting as of today date for the credit back to my card. This is damage my credit score. I have been still paying the card on time. My name is XXXX XXXX XXXX if any question. I need you guys help bad.
Product: Money transfer, virtual currency, or money service

I used Western Union " quick 15 minute pay '' to send a {$1000.00} credit card payment to XXXX XXXX XXXX. It never posted. Western Union blamed the problem on XXXX XXXX XXXX and vice-versa. After research, I learned that XXXX XXXX  accepts mortgage payments from Western Union but never credit card payments. My initial problem was, why does ( 2 ) multi-billion dollar companies have the transfer feature available as an option for service to the uninformed public? My total focus has been on the extremely poor customer service & resolution from WesternUnion. The wire was sent to them on XX/XX/2018. I have complained to them since XX/XX/2018. They told me it would take 24-48 hours to resolve. My money control number is ( MTCN XXXX ) and my internal escalated complaint case number assigned by the Western Union 's corporate office is ( XXXX ). I have left an urgent message for the President & CEO XXXX XXXX, corporate customer service escalation desk, reps, senior reps, senior customer service reps, without a resolution and recent hang-ups on me. ( Disgusting ). Please return my {$1000.00} today, it's already 14 days late. They should be able to ping & reverse payments within 15 minutes. My phone number ( XXXX ) XXXX & email address is XXXX. I have used Western Union for 25 years on other matters. But, after this experience, I find there service poor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXXXXXXXXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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 information is inaccurate.
Product: Debt collection

XX/XX/24 Received some sort of communication regarding a debt that just shows a reference number, partial account number, an amount of XXXX. No information pertaining to what this debt is regarding and no information on the original creditor.
Product: Checking or savings account

I made a purchase in the XXXX online store and the product did not arrive. In this case a telephone. I made a dispute with the bank and the bank did not agree with me and denied the dispute without any evidence. I requested, signature or identity verification that the delivery that delivered the phone should have requested from the person who received the phone. I did not receive the phone number and they denied my claim without any evidence. 

XXXX XXXX, XXXX XXXX  XXXX XXXX  XX/XX/XXXX ( ... XXXX CARD - {$XXXX} DescriptionXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, postal mail or telephone I asked to speak to a supervisor and the supervisor told me that I made the purchase using the PIN and that is not real. The record of the purchase shows that it was online on the web, XXXX 's online store. 

Date of inquiry : XX/XX/XXXX Claim number : XXXX Card ending in : XXXX Claim related to account ending in : XXXX