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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX To Whom It May Concern, I recently reviewed my Transunion, XXXX credit report and noticed a late payment posted on my account with XXXX XXXX : Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Account Opened : XX/XX/XXXX I have never been late on this account and am requesting that you provide documentation proving that a late payment occurred. If you can not supply this proof, I request that you DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - Permissible Purpose of Consumer Reports, it clearly states that consumer reports can only be furnished under specific circumstances, none of which apply here.

In addition, the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( i ), defines exclusions for consumer reports, and the information you reported falls under these exclusions.

Failure to address this dispute properly will result in legal action, where I will seek {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Please delete the incorrect late payment and provide me with a free copy of my updated report after the changes have been made. 

Best regards, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX Balance Owed : {$30000.00} XXXX  XXXX Balance Owed : {$30000.00}
Product: Checking or savings account

Last XX/XX/2018 I recieved a text from Bank of America regarding unusual activity in my account. The text stated that if I recognize the transaction reply yes or no. Before I can reply no, a transaction went through. It should not have went through without my response first. If Bank of America is really protecting customers from fraud the transaction shoudld have not went through. Bank of America should wait for mybreply first before any transaction could take place. When i replied that i did not recognize my card was block. Then I called the fraud department and explained what happened but even them agreed that no transaction should went through. The next day when the transaction had posted in my account i disputed it. Today is XX/XX/2018 and there is still no resolution on the case and i still dont have money. They said they will investigate. My question is what is there to investigate when the transaction should not even went through. I think Bank of America is not really commited in protecting their customers.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX ) Account name : XXXX  XXXX Account # XXXX XXXX ) Account name : XXXX  XXXX Account # XXXX XXXX ) Account name : XXXX  XXXX Account # XXXX XXXX ) Account name : First Premier Bank Account # XXXX XXXX ) Account name : First Premier Bank Account # XXXX the above listed has violated my rights.

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 602 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 reporting agency if the person knows or has reasonable cause to believe that the information us inaccurate.
Product: Credit reporting or other personal consumer reports

This letter constitutes a formal dispute of the following hard inquiries appearing on my credit report 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 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  These inquiries were obtained without my authorization or without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b.

I request that you immediately remove these inaccurate inquiries from my credit report within seven ( 7 ) days of receiving this letter. Failure to comply within this time frame will result in further legal action.

Please provide written confirmation of the removal of these inquiries within seven ( 7 ) days of receiving this letter.
Product: Credit reporting or other personal consumer reports

Dear Experian Consumer Assistance, I am writing to formally file a complaint regarding serious inaccuracies in my credit report, as well as potential violations of the Fair Credit Reporting Act ( FRCA ) ( 15 USC 44 ), 12 USC 83 ( a ), 12 USC 1431, and the Privacy Act ( 5 USC 552a ( 1 ) ( 3 ) ). These discrepancies and violations have raised significant concerns and have had a negative impact on my financial standing. 

Upon reviewing my credit report, I discovered several errors that are affecting my creditworthiness and financial opportunities. The inaccuracies include incorrect account information, unauthorized inquiries, and data that does not align with my financial history. These errors not only harm my financial well-being but also raise questions about the accuracy and integrity of the credit reporting process.

I am concerned that these inaccuracies may constitute violations of the FRCA, a federal statute designed to ensure the fair and accurate reporting of consumer credit information. Additionally, I believe that Experian may be in breach of federal regulations regarding the power and duties of credit reporting agencies, as outlined in 12 USC 83 ( a ) and 12 USC 1431. The Privacy Act ( 5 USC 552a ( 1 ) ( 3 ) ) also mandates the protection of personal information and data accuracy, which is crucial in maintaining the integrity of consumer credit reports. 

I request an immediate and thorough investigation into the discrepancies in my credit report and their implications for my creditworthiness. I also urge Experian to take corrective actions promptly, including the removal of inaccurate information and the rectification of unauthorized inquiries. Moreover, I request that Experian ensures strict compliance with the FRCA, 12 USC 83 ( a ), 12 USC 1431, and the Privacy Act ( 5 USC 552a ( 1 ) ( 3 ) in all credit reporting activities.

I expect a written response to this complaint, outlining the steps taken to rectify the inaccuracies in my credit report, and to ensure full compliance with federal regulations and consumer protection laws. Your prompt and cooperative response is essential to resolving this issue amicably and restoring the integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed multiple disputes on accounts that aren't mine due to ID Theft.
Product: Checking or savings account

A check was written on aTD account. TDs system charged the amount to another customer, not my account. When discovered, my account was closed by their fraud department. Even though I have been inconvenienced beyond my wildest expectations, they will not admit nor assist me with resolving any of their problems. They are now going to take the money back from the payee. I have instructed them to deduct it from my new account with them. They can not do that as their system will not do that. I wrote that check in faith that it would be handled properly. It appears that TDs system will not allow that. I am at fault and quilty of fraud instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit card or prepaid card

ERRORS OR UNTRUTHFUL TRUTH IN LENDING DECEPTIVE STATEMENTS.??? See attatched XX/XX/2019 *Adjustment Purchases Listed above the * TOTAL PAYMENTS & CREDITS FOR THIS PERIOD LINE IN BOLD ( only {$910.00} ) ** THEY NOT INCLUDED IN THE TOTAL. They are LISTED ONLY DECEPTIVELY INTERNALLY AND HIDDEN FROM CONSUMERS. ( ** They are Deceptive " Appearing Above " the Total Line and YET, " NOT INCLUDED " IN THE TOTAL LINE. These Adjustment Purchases Total {$1.00}, XXXX AND ONLY {$910.00} TRUTHFULLY APPLIED FOR THIS PERIOD XX/XX/2019. IT APPEARS AS IF ALL ADJUSTMENT PURCHASES WERE APPLIED CLEARLY THEY WERE NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted dispute with equifax XXXX, and XXXX   regarding collection on account XXXX XXXX XXXX XXXX XX/XX/18 and current results were that account was accurate how can it be if it wasn't fully investigated. I provided factual documentation to support reason to why the charges are inaccurate and that i am not responsible for debt today results for XXXX  was completed and online but it would not let me dispute error on website unless there is something wrong with their system this needs to updated and deleted from credit report immeditely. i need adequate proof this is owed i want to know what XXXX XXXX XXXX  is providing you to say this debt is accurate have you contacted XXXX  XXXX   original creditor regarding this account..did you get documentation from XXXX XXXX XXXX  beside a lease and ledger car like they provided me. need answers how are you conducting your investigation do you have a team work on this or is this all generated automated .. did you even look through the lease and compare ledger does it align with the contract did you request additional supporting documents. did you request early termination addendum its no way you can say these amounts are accurate and correct to the best of your knowledge when i provided proof of a 60 day notice to management who agreed to let me out of lease she stamped and signed which doesnt hold me liable for amount requested. thank you please review documents
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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

First thank you for taking the time to read this letter. Recently, I found fraudulent inquiries in my Experian Credit report. The inquiries that I have listed below are fraudulent and should be removed from my credit report. Also, I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. 
Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Your response to this letter is required by law. Please. Be aware this letter has been generated by me, XXXX XXXX. I have enclosed identity verification documents for you to verify my identity. 
FROUDULENT INQUIRIES! 
XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT Date Filed XX/XX/XXXX Issue Needing Resolution : XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX Credit worthiness has been impaired due to an antiquated system that the Department of Veteran Affairs does not comply with Federal regulations pursuant to Chapter 7, Title 11 United States Code ( Bankruptcy Code ).

Issue # 1 - Department of Veteran Affairs Loan #  XXXX was never included in our bankruptcy and was exempt even though they had to be notified as a secure creditor. 
Issue # 2 The Department of Veteran Affairs was not in compliance and should have removed said Chapter XXXX bankruptcy from our credit reports after 10 years from filing the Chapter XXXX petition. 
Background I am a XXXX XXXX XXXX XXXX having achieved the rank of XXXX and a XXXX XXXX Recipient. I purchased my home in XXXX XXXX, CA on XX/XX/XXXX for {$220000.00} and financed the purchase with a Cal-Vet loan through the Department of Veteran Affairs in XXXX, CA. On or about XX/XX/XXXX my wife, XXXX XXXX and I filed Chapter XXXX Bankruptcy # XXXX XXXX JB in XXXX XXXX, CA ( Exhibit XXXX ). On XX/XX/XXXX, we filed a Chapter XXXX Individual Debtors Statement of Intention where in item b. Property to Be Retained we reaffirmed our commitment to keep our home at XXXX XXXX ( Exhibit 2 ). 
The United States Bankruptcy Court XXXX XXXX of California on XX/XX/XXXX filed a Notice of Commencement of Case under Chapter of The Bankruptcy Code Meeting of Creditors & Fixing of Dates for XX/XX/XXXX at XXXX. The Department of Veteran Affairs did not file an objection with in their 30 day period ( Exhibit 3 ). 
On XX/XX/XXXX, The Order of Discharge Was Entered ( Exhibit 4 ). 
Our XXXX loan was paid off in XX/XX/XXXX and is still shown as by TransUnion is an Adverse Account in my credit report dated XX/XX/XXXX ( Exhibits 5 & 6 ). 
A call to the Loan/REO Division of the Department of Veteran Affairs in XXXX, CA on XX/XX/XXXX said that their system would not allow the removal of the bankruptcy even though they were notified as a secured creditor. It is not clear to us that a notification of a bankruptcy can penalize our credit after 10 years or XX/XX/XXXX when the Federal law requires it. I was advised that I would have to contact the various to credit reporting agencies remove the bankruptcy. 
In conclusion, I need the help of the CONSUMER FINANCIAL PROTECTION BUREAU as my credit has been severely penalized from the Department of Veteran Affairs since XX/XX/XXXX and its this same practice may be hurting other California VETS.
Product: Student loan

My previous loans were transferred from Great Lakes Loans Servicer to Nelnet. I have contacted my school numerous times and on the Nelnet website hit the in school deferment option. When I contacted the school they have said XX/XX/XXXX they updated the clearinghouse which shows I am in school half time. I was on a 3 hour hold for Nelnet XX/XX/XXXX and I was assured they had this and just needed to process it and no payments were due. My first payment would of been due XX/XX/XXXX. My account now shows past due and I dont want any issues with my credit, etc. XX/XX/XXXX I submitted an enrollment verification from XXXX XXXX to Nelnet. I also, have taken out a loan this semester which on Nelnet is showing in school status but they have failed to change the status for my previous loans. I due not have time to sit on long wait times for Nelnet and they do not respond to emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fait Credit Reporting act XXXX  Account # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I have reached out since XX/XX/XXXX regarding my inability to make payments due to divorce, death of parents and that finacncil responsibility as well as getting XXXX 3 times but to no avail no reply. Fast forward to XX/XX/XXXX. I was served sheriff sale papers by the local sherrif regarding the property but Mr Cooper has denied me several times for help towards my mortgage. I am a single mother with a XXXX XXXX XXXX son who has a career as a XXXX. The household income was decreased due to the divorce and I receive no support from the ex husband. I have asked for the loan to be modified or refinanced in order to lower payments to make them more affordable. At this point, I can not recieve any assistance for mortgage help with XXXX XXXX. I hired a company to try to reach out on my behalf that also called Mr Cooper out on their unfair practices in XX/XX/XXXX. This has been a nightmare. My son and I have no where to go. Mr Cooper and its private investors are aiming to put me and my son on the street. This has negatively affected my credit and I can not seek financial help to save my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below Account Name : XXXX XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX  ( Original XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I use XXXX platform for buying stock. On XX/XX/year> I thought I was transferring XXXX from my XXXX account to my checking account ending in XXXX but it happened the opposite. I called Wellsfargo to inform them because I knew XXXX was not in that account. I told them that it should not go through knowing that the funds was not there. I have already defaulted on a Wellsfargo credit card and am in a repayment program to pay it off. Now I have a XXXX  balance of XXXX. Wellsfargo is intentionally destroying my credit and trying to take money from me. 
They already knew the funds was not there to make a transfer yet still let it through. This is not right. 
I am in great distress because of this. Please help.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent money to XXXX XXXX in XXXX through SENDWAVE. I received email from them that the money will be transferred to the recipient as soon as possible. After XXXX minutes I called them to ask about the delay and they told me they are experiencing technical problems. I requested to cancel the transaction. 
After XXXX hours the transaction was not cancelled. I called them and gave them XXXX hours from the time I did the transaction but they refused. After XXXX hours the transaction was not cancelled. I called again. 3 days after, the money was taken from my account yet the recipient has not received the money till date.
Product: Checking or savings account

I have the checking account with Bank Of America. One of the merchant- XXXX charged me in the amount of {$88.00} after I stopped the servic. Therefore, it was unauthorized transaction. I opend the dispute with bank of america. However, Bank of America has got worst customer service that they did not even help me and pull their hands up. This was ridiculus that Bank does not even try to fight for their customer and customer loosing their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 4 written requests to each of the 3 credit agencies XXXX, Equifax, and XXXX  to verify items on my credit report. 

In the results of each companies investigation and subsequent investigations, they stated in writing that they " verified '' these items and are being " reported correctly '' but did not provide me with any verifiable proof according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) & under Section 611 ( 5 ) ( A ) of the FCRA. 

Letters were sent to XXXX  on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 Equifax on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 Each letter was signed and sent with a copy of both my driver 's license & passport card.