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

I disputed an item on my credit report on XX/XX/2023. Attached to that dispute was a copy of an identity theft report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Transunion should have already removed this item due to the identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) states the following ( a ) Block. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Bank account or service

XXXX through the XXXX application SIMPLE Finance Technology Company has violated banking regulation 31 CFR Part 212 garnishing my federally protected funds and refusing to discuss the matter. I am XXXX with a XXXX and receive my XXXX check deposited directly by the us treasurer in a checking account, recently a very old incorrect child support order resurfaced from XX/XX/2010 and the bank garnished my account to include my federally protected and exempt XXXX payment. This now has caused me the inability to purchase needed medications and essentials such as food. XXXX. The bank has now refused to release the funds even though they are federally protected and is illegal to garnish. The bank has now ignored my XXXX reasonable accommodation request to speak directly to a banking regulator or compliance officer as my email communication skills might not be giving the right message or making sense. This too has now been ignored and not accommodated. The ramifications of a banking institution actions for me on this are now advanced to severe both XXXX and XXXX. again the only deposits for the last several weeks and pretty much the last 5 months have only been XXXX payments. 

1. Thy contacted by email not mail as required on XX/XX/XXXX and I immediately advised them is action was incorrect and they can not allow it to happen due to the funds were federally protected. The only option they gave was to contact the court. The court being in the State of IL and I am in XXXX XXXX without any financial ability to hire an attorney or fly to be present for a hearing. 
2. They did not conduct a look back to see where my deposits were coming from. If they did they would have noticed almost all were from XXXX the last several months. Even though I advised them this was not legal. 
3. They have told me there is nothing they can do and have not even tried to help the situation - at one point belittling me telling me they know the banking regulations. 
4. I asked for a reasonable accommodation to speak to a bank regulation or compliance officer afforded to me under the XXXX act - and the 2 requests have gone unanswered and have not proved helpful. 
I am not asking for anything other than the law and regulations be followed. The to close me out of funds without and oversight or due diligence is reprehensible and not allowing me to speak to a manager or officer is very aggravating. I am now out of my basic medicines that are crucial for my XXXX and have no way to travel to the store - see a doctor or even buy anything needed to survive. Please please advise my bank to follow the regulations and do something other than be a shallow shell of a business and now ignoring my XXXX reasonable accommodations request. I am in urgent need of someone making a phone call to make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX erroneous inquiry dated XX/XX/2019 should be removed from my Experian credit report. The credit card was approved on XX/XX/2019 based on my application submitted on XX/XX/XXXX when my credit was verified, so this is an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER  XXXX EQUIFAX MORTGAGE SERVI XXXX EQUIFAX MTG XXXX
Product: Checking or savings account

Early this year I left my debit card in front of this computer I am now using, which I allow my XXXX year old son and friends use. It disappeared and I put a stop on it. When it didn't show up after weeks, I requested a replacement, by phone. One was sent, but only to the street address, and I live in XXXX. It seems to me that disgruntled and poorly paid employees are engaged in a kind of work slow-down in which they intentionally fail to do things properly. I noticed the address on my account had been changed to one without province or country and contacted Wells Fargo Bank to correct that. The address was again changed incorrectly, but mail continued to arrive from them, just not mail with a replacement debit card. I made contact again and again, wasted hours and hours on the phone, and finally asked if I could use my credit card to access my funds, and not be charged extra for doing that. I was advised to go ahead then request a fee waiver afterwards, and did so. I was charged about {$240.00}, requested a waiver and was offered a discount of {$20.00}. I said that that wouldn't do. 
At one point I was asked to accept and return a code number sent by SMS. I said I couldn't get to the SMS code while remaining on the phone with the " Banker '' - we disconnected and I'd have called back with the code but none ever arrived. I have complained and complained but for half a year now have been in difficulties because of Wells Fargo ineptitude and incompetence. I could deposit a check but would then be forced to wait SIX MONTHS for the money to arrive to my account here in XXXX. Or I can use the extortionate " cash advance '' through my credit card to access funds already in my account. This has gone on far too long and I now have no faith in Wells Fargo to provide the services they have long been engaged by me to provide. My address has not changed in 10 years and I continue to get mail from them, mostly to say that an address change for me has been made, despite that my address has NOT changed, except by one numeral in the road name, a change made by local government over which I have no influence and which the post office here doesn't care about anyway. Please help. I have a family to feed, and today my wife, in fear, left for work in another province. None of us in this family are pleased about THAT!!! My address here in XXXX is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX Envoy reported our loan as closed 90 days past due. The loan is still open and has not been late on payments. We did make two payments to the old servicer during the 60 day window of the transition to the new servicer, and the old servicer ( XXXX ) refused to forward those payments or acknowledge them. As XXXX refused to forward these payments, we went ahead and made the same payments to XXXX XXXX. 

Also, Envoy sold their interest in the loan to XXXX XXXX in XXXX of XXXX. Why are they still reporting this loan on our credit report?
Product: Debt collection

I received a debt collection letter from XXXX XXXX XXXX on behalf of Velocity Investments in XXXX. In XXXX, I called XXXX XXXX XXXX to ask for validation of debt. They continued asking me if I was going to make a payment or setup a payment plan. I told them I have no money. The Rep told me they were going to relay this info to Velocity and when my situation improves, I can call to set up payments. In XXXX, I get served with papers saying XXXX XXXX XXXX / Velocity Investments is suing me for the debt that was discussed over the phone in XXXX. No other notice was sent to me about this debt and there were no indications that they were going to sue.
Product: Credit card

This company is reporting inaccurate information on all XXXX bureaus report. I have sent them a letter disputing it. The letter was sent by certified mail. They signed for it and even after the 30 days allowed for them to mark as disputed they failed to do so. They updated after 60 days as transferred or sold. However, they never marked as disputed nor did they validate it. They have violated the Fair Debt Collection Practices Act. I am trying to prevent legal action against them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by Forest Recovery XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with Forest Recovery XXXX, nor did I provide written consent for my credit report to be accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX about a late payment they are reporting to all 3 credit bureaus that is inaccurate and they have rejected to remove the inaccurate credit mark. My XX/XX/2018 payment was made 31 days after it was due and my XX/XX/XXXX payment was made 7 days after it was due. They are reporting that my XX/XX/XXXX payment was made on time and that my XX/XX/XXXX payment was more than 30 days late which is false and against the law for the credit bureaus to report such false information.
Product: Credit card or prepaid card

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately
Product: Mortgage

I am writing to you in reference to a problem I am having closing on a XXXX XXXX XXXX due to a Bank of America FHA XXXX  Lien XXXX  for {$25000.00}, that's stalling the XXXX  Loan process. The XXXX FHA loan was paid in full on XXXX XXXX, 2014, in the amount of {$260000.00} by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX  XXXX. 

Bank of America recorded the full payment amount of {$260000.00} as satisfied, however the mortgage XXXX  Lien outstanding amount of {$25000.00} is still open with the county clerk 's office. The title servicing department was XXXX XXXX XXXX. 
The {$260000.00}, included the {$25000.00} I have made several attempts to rectify this problem to no avail. I had reached out to Bank of America, XXXX XXXX XXXX ( the recording company ) and the Settlement company to have this Lien remove from my property title as well as FHA. It's frustrating that this issue has been going on since XXXX  2014 and with each call, visit or email no one follow through to rectify this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a paid debt from Portfolio Recovery that i have requested to be removed from my credit reports. I have paid this in full and asked that it be removed from all three bureau reports. Acct # XXXX I have also paid in full a debt from XXXX XXXX and asked that it be removed from all credit reports the acct number for XXXX XXXX  is # XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have identified an unauthorized hard inquiry on my Equifax credit report. Specifically, a hard inquiry was made by XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. I did not provide consent for this inquiry, nor did I apply for credit or financial services from this company during the relevant period. 

I have previously contacted Equifax to dispute this unauthorized inquiry, and they responded by stating that " inquiries are a factual record of file access and will remain on the Equifax credit file per two years. '' This does not address my dispute. Under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), hard inquiries can only be conducted with explicit consumer consent, which was not given in this case. 

This unauthorized access to my credit information is negatively affecting my credit score, which could impact my ability to obtain credit in the future.
Product: Debt collection

My credit report reflects a collection account owned by XXXX XXXX XXXX, whom is not licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection.
Product: Credit reporting or other personal consumer reports

This account is fraudulent, i dont know how this happened. Please remove this account from my credit report. 


XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX of 2020, I purchased a vacation package on the XXXX XXXX XXXX website with my Citi Bank American Airlines credit card XXXX and due to the coronavirus outbreak, that vacation was canceled. 

On XX/XX/XXXX of 2020, I submitted a dispute in Citi Bank because it still reflected that charge, even though the purchase was canceled several weeks before and the money had not been returned to the credit card. 

Around two weeks after that dispute, I received my money back in my account, but today ( XX/XX/2020 ), I see that same amount reflected again in my credit card statement, and the bank says that the investigation was complete and resolved in merchant 's favor on XX/XX/2020, so I'll have to pay for a vacation that I didn't do due to a pandemic. 

I appreciate all the help that you could give me about this situation.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process followed by TransUnion regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( a ) ( XXXX ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
I recently reviewed my credit report and noticed that my XXXX  XXXX account includes inaccurately reported late payments. I have consistently paid this account on time, and there have been no late payments. As a credit reporting agency, TransUnion is required to report all information with complete accuracy. Therefore, I am requesting that you investigate this account and update the payment status to reflect timely payments. 
Summary of Errors and Discrepancies : In reviewing the payment history, I have identified discrepancies in reported late payments that do not match my actual payment record : XXXX reports a XXXX late payment for XX/XX/year>. 
TransUnion and XXXX report a XXXX late payment for XX/XX/year>. 
These entries are incorrect and negatively impact my credit profile. According to my records, all payments were made on time, and no late payments should appear on this account. 
Legal Basis for Dispute : Under the FCRA ( XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ) ), my consumer report should not contain information that inaccurately reflects my payment history. Inaccurate reporting of late payments is a violation of the FCRA and misrepresents my creditworthiness. Additionally, sections XXXX XXXX. XXXX and XXXX mandate that credit reporting agencies, including XXXX, XXXX any inaccuracies or incomplete information to ensure maximum accuracy. 
Requested Action : I request that TransUnion conduct a comprehensive investigation into this account and remove the inaccurate late payment entry to reflect my accurate, on-time payment history. 
Please provide a description of the procedures used to verify the accuracy of these entries and confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue XXXX lead to further action to protect my rights as a consumer. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and based on their own website check, my personal information may have been impacted by the hack. They did not agree to have my personal information released to hackers, so the information in my credit report was used improperly.
Product: Debt collection

Capital one filed a lawsuit, I went to court. They did not show then the case was dismissed without prejudice. I guess it should've been dismissed with prejudice, I didn't take an attorney with me, and didn't understand that's what should've happened. Anyway it's been about 5 years, and they are still reporting a debt. I have tried to reach out to the company and even hired XXXX XXXX, XXXX. to reach out to them with no return calls or emails. 
XXXX XXXX XXXX XXXX XXXX These are the numbers on my court docket that shows the results of the case
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. 

XXXX XXXX : # XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX : # XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXXXXXX : # XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX XXXX XXXX  XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX XXXX XXXXXXXX, Unable to be verify inaccurately reported information. 

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 a 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

I did not authorize these inquiries and strongly suspect them to be fraudulent. I urge you to conduct a comprehensive investigation and promptly eliminate them from my credit report. I have submitted supporting documents for your examination. 

I have no association with the creditors listed and did not initiate this inquiry. Kindly remove it from my credit report at once.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXT ) XXXX