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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

in regards to the data breach and i have sent in multiple disputes with the credit bureaus and i just get ridiculous letters about its not me sending information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have lived in my home since 2003. In a recent effort to obtain my annual " free '' credit report, I spotted a wrong address listed in my name as living or having lived in XXXX ... I have never lived in XXXX. 

The problem may be that someone confused my name : XXXX with my daughter 's name : XXXX who does live in XXXX. She has been receiving date sensitive mail in my name at her address. 

Please remove from all 3 credit reporting agencies any address listed for me in XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Notify of Reinsertion Request for Immediate Removal File Number : XXXX Disputed Account : XXXX XXXX ( Account No. XXXX ) To Whom It May Concern, I am writing to formally dispute the reinsertion of an account on my TransUnion credit report that was previously deleted. The account in question is XXXX XXXX ( Account XXXX. XXXX ), which was removed from my credit report but has now been reinserted without any written notification, as required by federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a consumer reporting agency is legally obligated to provide written notice within five business days of reinserting a previously deleted item. Additionally, for reinsertion to be valid, the furnisher of the information must provide certification of accuracy. I never received such notification from TransUnion, which means this reinsertion was done in direct violation of the FCRA.

Legal Grounds for Removal Given that TransUnion failed to comply with the reinsertion requirements under the FCRA, the only legally compliant action is to immediately remove the reinserted account from my credit report. If TransUnion can not provide documented proof that it sent me a written reinsertion notice within five business days, then you must delete the account immediately.

Next Steps & Potential Escalation If this account is not removed within five business days of receipt of this letter, I will be left with no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office regarding TransUnions noncompliance with federal law.

Pursue legal action for willful noncompliance under 15 U.S.C. 1681n, which entitles me to statutory damages, legal fees, and other remedies. 
I expect TransUnion to act in good faith and correct this issue immediately. Please provide written confirmation of the accounts deletion as soon as possible. I also request a corrected copy of my credit report reflecting the removal. 

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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ipromptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I requested and was granted forbearance on my mortgage with XXXX XXXX XXXX. It is showing as delinquent on XX/XX/20 my credit report and my credit score has tanked.
Product: Checking or savings account

I had my XXXX stolen for me and I was not able to cancel all the subscriptions.And free trials and I was not able to get back into account.Because I did not have the phone number to connect it to it.And I did not set up the XXXX properly. I even called my bank and told them about this situation and that there might be frozen charges that I won't be able to stop and they were not complient in helping me. Disputed too many times. I contacted XX/XX/XXXXand they were only able to do charge backs for the previous 2 months. And they said that I need to do a charge back with my bank. But my bank has not been successful in processing this dispute and ask for proof and I'm saying that they have the proof because it was between my conversations with them and my data that there should have seen that.This was the charges that I was talking about. I had soundtrap All five charges. I didn't even dispute the XX/XX/XXXX account. Still have to figure out what profile account that was setup with. 
Thank you in addressing this matter and helping resolve this issue. I have put way to much effort to keep track of my funds at the same time try to balance all I have on my plate while remaining active and attrmpting to live a healthy lifestyle. 
Thank you.
Product: Credit card

I was charged {$59.00} in my checking account from CCB Bread XXXX  Payment XXXX  ACH on XXXX. I contacted Bread Financial at XXXX on XXXX at XXXX XXXX  central time and spoke with XXXX ID # XXXX. She said to send a screenshot of the charge so the financial team could review it. I requested to speak with someone in the financial department since they were the decision makers that could review this but was told I was not allowed to speak with those team members. I have followed up to an email XXXX sent with a screenshot of the bank draft per her instructions.
Product: Credit card

I did a shopthrough purchase with XXXX XXXX XXXX XXXX : XXXX? XXXX With my freedom unlimited card ending in XXXX The term states I would get XXXX ultimate reward points if I click on the link and bought a subscription through the portal However, it has been over XXXX weeks and I have not got the XXXX ultimate rewards point, can you credit the XXXX ultimate rewards? The customer service rep on the phone is not helpful
Product: Credit card or prepaid card

I used a link provided by chase to apply for a Chase United Club card. This included a " Welcome Offer '' of 50,000 airline miles after spending {$3000.00} on the card in the first 3 months. After I received the card, spent {$3000.00}, and paid the bill, I was told I did not qualify for the welcome offer. I tried to resolve with Chase, but was told I do not qualify, however, they could not tell me why I did not qualify.
Product: Debt collection

I received a negative credit score, so I disputed the collection because I did not even know about this amount owed or to who. Impacting my credit was the first I heard of it. In attempt to call the company Sarma Collection as shown on my credit report it shows as scam.

The debt disputed was approved and removed, but today it came back up and impacted me at -64 points for a balance of {$130.00}. 
I tried calling the collectors and no response. 

I am in the process of buying a home and this is impacting my home purchasing process. 

Please help. This credit collector for medical violated my rights by not informing me of such bill or a way to stop this from affecting my credit. I am up to date with anything else I owe and had a XXXX credit score before this.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues in an untimely manner, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thanks
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX XXXX XXXX Privacy Policy XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CC : [ Name & Address of Credit Bureaus Equifax, XXXX, XXXX, XXXX XXXX ] Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans Dear [ Recipients Name or To Whom It May Concern ], I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX XXXX XXXX XXXX ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions :
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit report, there were 2 hard pulls by Bank of America in XXXX and XXXX, 2022. I contacted BOA to investigate in XXXX, 2022 since I had not applied for any products with them. It took several days and dozens of calls and emails, but finally reached their fraud department and confirmed with them that the applications were NOT legitimate. They were to have stopped and denied the applications and removed the pulls from my credit report. I have no way to confirm that they actually denied the application, but they have not removed the pulls from my credit report and will not respond. I have contacted them 3 times via email with no response and no action. Bank of America refuses to correct my credit report or confirm the denial of the credit applications.
Product: Mortgage

I paid my two months mortgage amount of {$3300.00} ( XXXX 2020 ) and {$3300.00} ( XX/XX/ 2020 ) to my lender ( XXXX XXXX - XXXX XXXX ). Then I also received another payment notice from TIAA Bank that said my loan was sold to them on XX/XX/2020. I have not received any Goodbye Letter from my lender, nor did my Welcome Letter from TIAA Bank. I provided my bank statement for those two payments to TIAA Bank shows the proof of payments, and never got a reply from them. I called XXXX XXXX and request the Goodbye letter, which indicates - The servicing of your mortgage loan is being transferred, effective XX/XX/ 2020. 

My complaint is the lack of information when the loan was transferred to one servicer to another. I am not properly informed my loan had been transferred. As a result, payments made to either the prior or current servicer around the time of the transfer were not applied to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed paid acct. On credit report, but it is reported inaccurately. The dates are incorrect as the acct has been sold many times and info has been changed. It was originally opened in XX/XX/XXXX by XXXX   XXXX. Then XXXX XXXX which was deleted. However the DOFD was XX/XX/XXXX. Thats when they started collections for acct. It has since been reported as opened on XX/XX/XXXX and XX/XX/XXXX. I  have made many attempts to gets this matter corrected with no success. It has been paid even though the amounts and dates are not correct and i have requested itemized bill. It was last sold to creedence resource management to whom it was paid and agreed upon to remove, delete and cease all collection activity. Since then CRM has told me the account doesnt even beling to them now and it did when paid. Makes no sense and how can they even report if they dont iwn the debt. They have not done so and i have contacted them, XXXX and XXXX several times in attempt to correct this. They have repeatedly hit my credit causing many drops in credit rating. The only response ive gotten from XXXX and XXXX is verified. This has not been investigated, or corrected.
Product: Credit reporting

I had settled a debt with a collection agency in XXXX of 2015. I was given a receipt for paying this debt, which says the account would be closed. However, this debt has been posted to my credit report as " in collection ''. The receipt ( as well as what I was told by the collection agency ) makes clear that this debt was accepted ; therefore the delinquency in my credit report is false.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear IQ Data International, Re : Dispute of Debt and Revocation of Communication Rights I am writing to inform you that I dispute owning any and all debts to your company. I deny any liability for the alleged debt and request that you provide debt validation to support your claim. 

Furthermore, I revoke all rights of your communication with me through emails, text messages, or phone calls. I demand that you cease and desist all communication with me immediately. 

I request that you provide the following documentation : - A detailed accounting of the alleged debt, including the amount and origin of the debt - A copy of the original contract or agreement between me and the original creditor - A copy of the purchase agreement between your company and the original creditor - Proof of your company 's licensing and bonding I believe that your company has violated several laws, including : - 12 CFR 1006.34 ( b ) ( 5 ) : Failure to provide clear and conspicuous disclosure of the debt - 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to provide accurate and complete information about the debt - 12 CFR 1006.34 ( d ) : Failure to provide proper validation of the debt - 15 USC 1681-S ( 2 ) ( 7 ) ( a ) : Failure to comply with the Fair Credit Reporting Act 's requirements for debt collectors I demand that you provide the requested documentation and proof within 30 days. If I do not receive this information, I will assume that the debt is invalid and take further action to protect my rights. 

Please confirm in writing that you have received this letter and will comply with my requests. 

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

I, XXXX XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXX XXXX
Product: Checking or savings account

I opened a checking account with Citibank in XX/XX/2021. 

I used the account to make and receive transfers, as well as deposits for online gaming, which I do regularly. The deposits to online casinos gaming websites in New Jersey are all legal and regulated by the New Jersey Division of Gaming Enforcement. 

After a few months, I tried to use the account as normal but noticed that Citibank had locked access and frozen my funds. I contacted them on XX/XX/XXXX and they would not give me a reason for the blocks but that an investigation was underway and the account was being processed for closure. 

They told me I would receive a letter detailing the closure in the next 15 days. No letter arrived, so on XX/XX/XXXX, I contacted them again to be told the letter will now arrive in 30-60 days. Again the letter never arrived. 

After contacting them again a few times they would not provide any information about what was happening. Eventually, on XX/XX/XXXX, they informed me that there were no longer any funds in my account and that I'd receive my money via a check in the mail. I did not receive a check for the balance. 

Every time I call I get bounced around different departments and need to explain myself over and over and no one ever gives me any information. 

Eventually I went into my local branch. I was told that there was suspected fraud on my account, and that you are withholding my money. The only way I can get my money back is to contact the casino that the withdrawal came from. 

I have checked my casino account and no money has been returned to the account and I don't know where the money has gone. 

They have now repeatedly told me I am not going to get my money back and have provided absolutely no reason. 

The balance of the account was {$2100.00}
Product: Debt collection

Third party company fails to furnish any and all information about debt owed in the amount of {$5100.00}. Landlord took the deal from my lawyer and I was awarded to move with forfeit of deposit! I had no knowledge of this debt or any paperwork stating I owe this debt! 

" 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.

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 : 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: Credit reporting or other personal consumer reports

On Equifax most recent communication, they sent me a letter stating that the request to block any files on my report wont be performed. I had provided all needed documentation to proceed with action, and yet, Equifax denied to do so. I'm attaching all documents again and with this complaint the request to XXXX XXXX XXXX XXXX from my Credit Files as this account is the result of Identity Theft. 

Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than XXXX business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY. 

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Product: Debt collection

I am in receipt of National Credit Adjusters letter informing me that they are handling the collection of the account # XXXX for {$600.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between National Credit Adjusters & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate National Credit Adjusters claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and National Credit Adjusters continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports.