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

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX  XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX CAP Date XXXX inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX COAF Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX C Date XXXX inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX OF XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Prepared Press Call Remarks of CFPB XXXX XXXX XXXX on the XXXX Lawsuit Announcement By XXXX XXXX XX/XX/year> This speech was posted today and all that is contained in the speech is exactly what transpired in our situation. Multiple XXXX transfers, unknown to myself were completed. I have tried to rectify this with Wells Fargo, including hiring a private attorney to no avail. The lack of proper security protocols required to be set by current laws and procedures lead to a false sense of safety on my part. Wells Fargo failed to properly protect my finances all the while placing blame on myself. 

XXXX has been proven time and time again to be a failure in all aspects. This was evident in CFPB XXXX XXXX XXXX on the XXXX XXXX XXXX XX/XX/year>. Wells Fargo has failed to safeguard my accounts subsequently fraudsters were able to gain valuable and personal information and remove from accounts multiple thousands of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX CO XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year> around XXXX I received a text claiming to be from " XXXX XXXX XXXX a " XXXX XXXX I, XXXX '' account that I do not recognize. This text can be seen in the attached. It was vague and provided a phone number and a link XXXX. I am suspicious of this correspondence for the following reasons : 1. I have no known overdue debts and my credit report reflects the same. 2. The usage of acronyms instead of properly spelling out the company name for easy dispute 3. I have not received a mailed letter providing proof of a debt as required per the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

The following information on my credit report are in correct and I want them deleted immediately. The following addresses on my credit report are incorrect and should be deleted immediately : These addresses are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the repossession listed on my credit report as it violates provisions of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681i, any inaccurate or unverifiable information must be removed. Under 15 U.S. Code 1681s-2, creditors are required to report information accurately. Any incorrect balance, date, or status renders this repossession illegitimate. Per 15 U.S. Code 1681i ( a ) ( 1 ), you are required to investigate and verify this information within 30 days. If you fail to do so, the repossession must be removed from my credit report. I expect written confirmation of the results of your investigation within the required timeframe. 

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

In XX/XX/XXXX, my husband and I, applied for a mortgage through XXXX XXXX  in XXXX OH ( offices in XXXX and other towns too ), but on our report it shows XXXX XXXX. 

That isn't the issue. 

The issue is that in XX/XX/XXXX, our credit was ran again without our consent. 

The companies ' headquarters in XXXX has the XXXX, OH office delete all of our information, but this unapproved inquiry is still showing. The person in XXXX, OH that ran our credit was XXXX XXXX, and again, this was NOT authorized. 

This man became hostile, rude, and belligerent toward our XXXX faith when we ask about this ; and that is when we contacted the main office and asked for him to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned that the FCRA 605 requires credit bureaus to ban and erase any items that are discovered to have been opened as a result of identity theft. Once more, it seems that my credit with you has been damaged. The items being reported are giving me a lot of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following are the things that CREDIT BUREAUS has to get rid of : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; Medical XXXX Balance : {$500.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. Please remove these accounts from my credit report they are hurting my ability to obtain credit. 

F H CANN AND ASSOCIATED XX/XX/year>
Product: Credit reporting or other personal consumer reports

Accounting and Credit Reporting Department To Whom It May Concern This letter is to inform you that upon viewing my credit report, I noticed different companies were listed as a derogatory mark of collections. I do not remember ever making an agreement or a business relationship with these companies ; they are all inaccurate. As of today, I have no memory of receiving a dunning letter from anyone asking if I wanted to dispute the debt in the account. Please accept this letter as my formal dispute of these accounts. I am also requesting that you provide proof that I owe this debt, Purchase agreement with my signature. 
Under the Law 168e compliance and procedures I want to ensure all the information on my credit report is 100 percent accurate in accordance with consumer law. I investigate and delete any information that is reported or not and is not XXXX percent accurate. 
Account Name : XXXX # XXXX XXXX  # XXXX  XXXX/ # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX  # XXXX XXXX/XXXX  # XXXX I am hereby instructing you to cease collection of the debt until you resolve this possible reporting error with the creditor. I am asking that you not contact me nor anyone else except the original creditor about this collection. 
In addition, I want to ensure that you are following the laws under the FDCPA ( Fair Debt Collection Practices Act, and FCRA, so I want to ensure that you do not prematurely report anything else to the bureaus until you have furnished proof to me that the account is valid. 
Also, I will need you to famish the following items to ensure accuracy in the reporting. Failure to furnish the following information will result in me not accepting validity and accuracy in the account. Please furnish : Proof that they are licensed or legally authorized to collect on a debt in my state. Proof of your bonding agent in the event where I must seek counsel. Proof of your authority in the collection process ( debt buyer, 3 party, etc ). Proof that the original creditor authorized you to collect on the debt on their behalf. The original creditor 's name. Details on when the account first went into a delinquent status since that is the date required as OPEN DATE on the collection account. ( Etc etc. Be reasonable in the request ) Please do not contact me until you have collected and sent this information to me by the address on this letter. You do not have authority to provide this address to the credit bureaus as an updated address for the account. If you provide these within a reasonable amount of time. then you may contact me on the phone number ( XXXX ) between the hours of XXXX XXXX Mon-Tue.Please note that any calls outside of these hours to discuss these matters are a direct violation of my rights. Sincerely XXXXXXXX XXXX XXXXXXXX XXXX Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed XXXX XXXX, File Identification Number : XXXX, and in response Lundquist verified the item as accurate stating they verified the information with the court. I contacted the court, and it is clear they do not report to Lundquist or any entity for that matter ; therefore the original response verifying the item with the court was either an error or false. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Debt collection

At XXXX XXXX today I was contacted by Person Calling : unintelligible They said that they were calling about a Discover credit card from XX/XX/XXXX-XX/XX/XXXX, that multiple collections agencies had tried to contact me over the matter and that they were going to sue me for XXXX dollars unless i paid them XXXX dollars. They threatened to have the papers served to my home TODAY. Then they read me my social security number and birthdate and asked me to confirm them. 

The DiscoverAccount number they provided me is : XXXX XXXX XXXX XXXX Frustrated and angry about being threatened so harshly I hung up on the lady ( XXXX ) and called Discover. They confirmed that this was in fact a scam and that i never had a credit account open with Discover. 

The information i have on the people that contacted me is : Issuing firm XXXX XXXX XXXX Refer to Case number MI XXXX They also harassed my husband while at work ( we were not married until XX/XX/XXXX, how did they get his info? ) and said that their Field agents would be dispatched to our residence as well as verified place of employment That if I dont call them today I would be in non compliance and this would be filed with courts under failed action to serve and evasion of delivery.
Product: Credit card

I called once Capitol One once I noticed an inquiry on my credit report without my consent and knowledge. I was told the the account would be closed and removed from my credit profile along with the inquiry. This was in XXXX, I just noticed another inquiry which I did not consent or approve of in XX/XX/XXXX. This is hindering my credit and making y it impossible for me to get approved for my own account with any major credit card company.
Product: Vehicle loan or lease

Good evening, On my title status there are XXXX Liens. I have paid off my vehicle please see XXXX release attached. I noticed fraudulent on my title of a company I have never taken a lien out with in detail below. There is only XXXX lien on my vehicle which is XXXX, please see XXXX release attached. 

Please remove both liens off the vehicle. The vehicle is free and clear. Thanking you in advance. 

I NEVER TOOK OUT A LOAN WITH THIS COMPANY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Student loan

On XX/XX/XXXX I found out about the Navient Attorney General settlement. I had subprime private loans taken out with Sallie Mae which while attending XXXX XXXX XXXX XXXX XXXXXXXX XXXX between XXXX and XXXX. My loans had since been transferred to Navient by Sallie Mae. Per the Navient AG Settlement website my private loans qualify for discharge from Navient since I have subprime private loans due to having low credit during my school enrollment, had more than 7 consecutive months of delinquent payments prior to XXXX of XXXX, attended a for-profit school XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ran by Career Education Corporation & my mailing address on file with Navient has been in Ohio where I've resided for as long as I've been living minus the time I was attending this for-profit scam school. I've tried calling Navient between XX/XX/XXXX & today with no help from any of their customer service reps. If I ask to speak to a supervisor I get transferred back into the call que or they try to transfer me to a collection agency. When I am able to talk to a rep at Navient, they keep telling me that it isn't their decision to determine if I'm eligible, but it's up to the Ohio Attorney General who makes that determination & they should've sent me something. I reached out to the Ohio Attorney General 's office yesterday & the rep told me that isn't true & they don't have any of my information. Navient is supposed to get in contact with me about my private student loan discharge. Navient keeps giving me the run around, won't answer my questions, won't connect me to upper management, or they keep hanging up on me. I know I qualify for this private student loan discharge & should've been included in the settlement. Navient does not help me at all & I need someone to intervene. Thank you!
Product: Credit card or prepaid card

I received my B of A Visa in XXXX of XXXX and was very prompt with payments and staying current. When I came upon hard times after a job loss in late XXXX, I wrote letters to B of A letting the Credit Card know my hardship and sent to the addresses below : 3 xs from XXXX to XXXX. 
Bank of America XXXX XXXX XXXX XXXX, AZ XXXX Bank of America XXXX XXXX XXXX XXXX XXXX, TX XXXX Bank of America XXXX XXXX XXXX XXXX, DE XXXX I informed them of my loss of employment in XXXX, and let them know I having difficulty at this time to make my payments due to loss of work and would need time to catch up in order to pay off my card. I let them know I will send any amount I can to be sure to keep a good standing. I sent another letter in XXXX letting B of A know that I began new employment and will be doing my best to catch up. I never received a response or correspondence of any kind. I am a XXXX  XXXX  and Covid19 hit the Travel industry in XXXX of XXXX and proceeded to get worse from that point forward I sent a 3rd letter in XXXX of XXXX. I continued to make payments to B of A credit card as much as I could and managed to pay off the entire amount debt in XX/XX/XXXX. 
On XX/XX/XXXX I received a knock on my door and was served with a summons by Bank of America saying Ive been sued??? Me? When was I told this was happening? Why didnt credit card services respond to any of my correspondence? Payments were being made and all payments were accepted by B of A and B of A has received all monies due. To receive a summons without a cause or without responding to my efforts to pay a debt as they were receiving monies was not right. When I called customer service, they confirmed payments and transferred me to another dept. who also confirmed payments said they have been receiving my payments, but there is a 3rd party involved? 
So how is this action justified? And why didnt I get some kind of letter or email telling me this action was taken? Do I report this to consumer affairs? Is this the way B of A works with card holders to throw them into financial ruin without communication or correspondence? How is it that B of A continued to receive payments and did not respond to my letters? How is it that B of A accepted payments without upholding a fiduciary duty to consumer, As I have made sure to pay back every penny and more. 
I would appreciate your help in resolving this matter I have stayed in contact with credit card services and did not ignore my debts. This took me a total of 20 months to resolve since the loss of employment in XXXX and B of A made no attempts to correspond with me. I opened this card in XX/XX/XXXX and was on a very good track until loss, but still managed to pay off this debt entirely by XX/XX/XXXX. 
Bank of America has received every penny of debt and I would appreciate correspondence back from B of A to remove this suit without any further complications to add to the hardships I am going thru now with COVID-19. 
I have enclosed proof of payments from showing that I did not ever avoid my debt and paid off the entire debt. From XX/XX/XXXX to XX/XX/XXXX in the amount of {$5000.00}.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, Missouri Laws Dear SELFINC/LEAD, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Missouri Revised Statutes, particularly Sections 407.620 to 407.640, and identity theft laws, specifically Missouri Statute Section 570.223 . 

It has unequivocally come to my attention that SELFINC/LEAD has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, specifically Sections 407.620 to 407.640, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Missouri Statute Section 570.223 addresses the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for SELFINC/LEAD to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SELFINC/LEAD immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 407.620 to 407.640 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SELFINC/LEAD will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud I have had alert on all three Credit bureaus Experian, XXXX, and XXXX. Neither company have removed the inquiries. I am very angry and on top of being a middle class XXXX  XXXX. Can you please help and assist me with this I have sent in letters to the credit bureaus still nothing. What can I do to help myself or what can you do to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received an alert from Experian that states a dispute was in progress. I have not initiated or asked them to start a dispute. I gave clear and explicit direction in accordance with the facts that I am the consumer and I have the right to ensure my private information isn't shared. Any account information that is shared in my consumer data file IS NONPUBLIC INFORMATION and is backed by 15 USC 6801 which states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers. To do anything else other than deleting the account as requested is a willful violation of the aforementioned laws. Again I am removing any and all consent known, not known and implied. Delete the account.