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

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where TransUnion has neither correct nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as TransUnion inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information on credit report I have constantly challenged bad information on credit report it's not accurate according to federal law their practices our shady practices are against the law
Product: Mortgage

Since several month ago Rushmore Loan Management Services ( RLMS ), Collection department, is sending me monthly letters, dated the XXXX day of the month, saying that I did not pay my monthly payment. Accord the NOTE I have until the day XXXX of each month to do my monthly payment, and they also put at the monthly billing statement of XXXX, XXXX ( attached copy ) that I did not pay them and I did it. I always send my payment the XXXX day of each month, so they receive the payment in 3-5 days. This is happening since they cut the Monthly billing Statement on the day XXXX of each month, and it showed as I did not pay them, and I did it, so my monthly billing statements should show the payment I done : my concern is that if the payment is not reflected in the Statement, means they can put me in foreclosure eventually. I really did not wish to be in that position since is very stressful, and I did not like it because I am paying them every month according with the NOTE. 
Also they put a clause that mentioned that {$73000.00} as a deferred balance that I suppose to pay at the end of the loan, that also worry me since I am a XXXX, and in XXXX years I should pay them a balloon payment of {$73000.00} at the end of the loan ; for me is a treat to lose my home after several decades of paying it. They also mentioned al the addendum that I have 2 years to refinance my home, and that if I do " probably '' they will eliminate the {$73000.00}. I visited several companies in the refinance marketing, and after they review the documents done for RLMS and they told me that they can not refinance my loan, and that the only one who can do it is RLMS. I sent a letter to them asking for the refinance process.RLMS received {$25000.00} in XXXX and then $ XXXX XXXX, from Keep Your Home CA with the porpoise of maintain the families in their home, and stabilizing the house market, means the government did it their part and effort, I am paying them every month, so I am expecting them doing their part also : refinance the loan and eliminate the {$73.00}, XXXX described at the Loan Modification agreement paragraph XXXX, page XXXX and paragraph XXXX page XXXX, page XXXX Balloon Addendum ( attached ).
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protections Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2016, I filed several complaints about incorrect information related to debts from another person being noted on my credit reports. Resolution of the complaints involved removal of the debt information and all associated information such as other names and social security numbers that arose from the error. I recently learned that TransUnion continues to report that I have used the name XXXX XXXX. This name arose from the previous erroneous debt information needs to be removed from my TransUnion credit report. I need to be provided a free copy of my TransUnion credit report for verification.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit card or prepaid card

Email Subject : XXXX XXXX, important information about your account Capital One SUBJECT : Account paid in full Creditor : Capital One Re : Account ending in XXXX Customer Name : XXXX XXXX Customer Number : XXXX XXXX XXXX, Thank you for the payment of {$980.00}, that we received on XX/XX/2019. This payment completes the payment on the Capital One account. We will stop collection efforts on the remaining balance. If any additional payments are made on this account beyond the settlement amount, or if we issue an account credit for any reason, then these amounts will be used to reduce the remaining balance. 
We may be required to report to tax authorities the amount of principal that is forgiven, canceled, or settled. We are not required to report every time a principal is forgiven, canceled, or settled, and may not be in this case. 
Please consult a tax advisor and/or the instructions accompanying any tax forms for more information. 
If we are reporting on the account, we'll notify the following credit reporting agencies that the account has been paid in full for less than the full balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit reporting agencies may take up to 60 days to update the information on the credit report. Please contact the agencies directly if there are questions regarding the credit report. 
If you have a question about the account, please call us at XXXX ext. XXXX. 

Thank you, XXXX XXXX XXXX Hours of operation Mon-Fri XXXX EST XXXX   XXXX This is not an attempt to collect debt, but a response to your inquiry. 
SEE IMPORTANT DISCLOSURES BELOW Important Information from Capital One If you are concerned about clicking links in this e-mail, please callXXXX. 
Help Prevent Fraud htlp : l/www.capitalone.comXXXX XXXX XXXX XXXX //www.capitalone.comXXXX : ] Q This e-mail was sent to XXXX XXXX and contains Information directly related to your account With US. other services to which you have subscribed, and/or any application you may have submitted.
Product: Checking or savings account

Im filing a complaint against XXXX XXXX regarding the deceptive practices related to their XXXX high yield interest savings account. XXXX  XXXX misrepresented the XXXX savings account as having the nations, highest interest rates yet, failed to notify account holders about the superiors rates offered by the XXXX performance savings account. This deliberate obscurity lack of transparency violated consumers trust resulted in significant finance losses for many, breaching the consumers financial protection acts and the truth in savings acts I seek redress misleading practices
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent in a request for all three of the credit bureaus to confirm if the information is correct on my credit report. But once I sent out my letter asking them to confirm if the information is correct on my account I received a postcard from them. The postcard from TransUnion stated proof of address unacceptable reasons number four and three one or more of the documents was too old please see the time frame listed below one or more of the documents was illegal one or more of the documents was not accepted to be used as proof. Then on there it says list below reason only one proof was provided to acceptable documents are required please provide two current documents from this list and it list driver 's license bank statement XXXX XXXX cancel check government issued IDs. But still all they did was send me the postcard and did not inform me of if the information was correct on my account or not. The reason for me wanting to have the information confirm it's because I was told that there was a data breach and a few of the companies and I just want to make sure that my information was not tampered with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regard to an account that is reporting inaccurately. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking my credit. I have disputed and reached out to Transunion several times and they say the same thing over and over. The companies either need to provide proof of validation that this account is charged off or this account needs to be updated appropriately as Paid in full satisfactory. I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following account is what is being reported : ( XXXX XXXX XXXX ) # XXXX. I have even sent Transunion copies from XXXX showing that they have this account reported accurately as paid satisfactory and that TransUnion keeps saying verified. How can they all be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect.
Product: Debt collection

I started receiving calls about a payment owed to Monterey financialXXXX and spoke to a rep XX/XX/2022. I was told this would go under investigation as fraud! Promised a call back from management but they never called me back directly. Ive never ordered anything from this company! I asked them for shipping/tracking info on what was supposedly ordered and it couldnt be given to me as they didnt have anything. How am I paying for something Ive never ordered?? I dont have any XXXX to my name! My bank was notified XX/XX/XXXX as well and confirmed no attempted payments have been taken. Monterey says my banks info was on file which their workers removed my bank info and took me off the list for the automated calls due to this fraudulent situation. Their supervisors never called me back and now this huge bills pops up on my credit!
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 
XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XXXX and XXXX and ask did the companies send you letters within 20 days of the validity of these accounts all companies responded no, they did not remove the accounts for my credit report XXXX accounts help me with late payments account had me charge off
Product: Checking or savings account

My Citibank account was hacked into. I was never notified of any changes to my number on my account and they released a wire transfer of thousands of dollars to the fraudster. They will not issue me a temporary refund while the investigation is going on. They let my entire bank get wiped clean because of negligence and it left me and my children with not a dollar.
Product: Credit reporting 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 : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX and list of Inquiries. 

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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I terminated my lease early at previous apartment complex named XXXX XXXX XXXX XXXXXXXX in XXXX of 2022. Upon move out I was informed on the walk through when turning in keys that 2 of the bedrooms carpet would need to be replaced due to pet damage. I informed XXXX that I had paid the {$400.00} pet deposit and {$500.00} deposit when moving in so if thats the case then it should be taken out of the deposit that was already paid. She then stated the {$400.00} deposit for the pet was NOT a non refundable deposit but instead was a pet fee and would not be applied to anything and that the fee is paid to just have the animal in the dwelling. So on top of paying the per fee I also paid a monthly pet rent for the animal. I find this a ridiculous abuse of charges and a way of nickel and diming tenants for nonsensical charges. So after receiving an email stating that ok the charges for 2 bedrooms to have the carpet replaced supposedly that charge is {$920.00}. Then after deposits paid the balance I owe is now {$660.00}. So after going back through my lease and charges I realized when this company took over after start of new lease they increase the charge for my garage from {$160.00} per month to {$200.00} per month with no advance notice. I emailed the company back and informed them I have no intentions of paying {$600.00} but will pay the balance of what is owed after difference of garage fee overcharges are offset in the balance. I will NOT be bullied into paying for unreasonable charges. They then sent my account to collections and suddenly the charges are now at XXXX. Never received anything via email no response no phone call nothing in the US mail. I specifically asked the representative XXXX to reach out to me and to NOT send me to collections. I tried to file a complaint on XXXX  for XXXX XXXX but was informed that supposedly the business is closed which is the management company for the avenues at XXXX. The business is NOT in fact closed and are now trying to extort fees out of me. I need a resolution for this issue.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).
I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living soul otherwise called a XXXX XXXX  XXXX. The constitution declares and protects my rights to privacy. That's in the XXXX Amendment : My rights to be left alone and my rights to privacy. I did not give you permission or written consent to furnish the below information. I have been reaching out to XXXX, Experian, XXXX when I noticed the defamation of character accounts listed below. I have notified these companies about the unlawful and unfair practices and violations being done to me. Theses accounts are affecting my creditworthiness and my ability to be expanded credit. please remove theses account and discontinue furnishing theses accounts immediately. 
Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX
Product: Mortgage

Dear CFPB : Please be advised that I represent XXXX XXXX in a modification. She was issued a trial plan which she paid through XX/XX/XXXX when the lender SPS stop taking her payments. At the conclusion of the trial payment in XX/XX/XXXX, my office proceeded to call weekly from XX/XX/XXXX to XX/XX/XXXX2017 being told on 8 different phone calls that the final modification was being generated and would be mailed to XXXX XXXX. In XX/XX/XXXX we were told that there was a problem issuing final modification because someone had registered a contract on the property. XXXX XXXX had no idea who the person was. Upon further investigation, it was discovered that a investor who had previously tried to purchase the property, illegally registered a contract and failed to remove the contract of sale when the short sale was not approve by SPS. SPS was aware of the homeowners attempt to previously short sale the property. My office contacted SPS and informed them we were going to get the contract removed from the title and they informed us final modification would be issued once contract was removed. We have forwarded SPS the documentation showing contract was cancelled and now instead of issuing a final modification, they are attempting to have our client start the entire modification process again.