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

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME DPT EDXXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME DPT EDXXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Trans Union, XXXX, and XXXX have 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 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the reporting on my credit file. The bureau has failed to do so and only respond back with a general " verified '' response. They havent indicated how it was verified, who they spoke with and what information was shared with them that show it is verified. i believe that this is in violation of my rights. I believe this is in violation of FACTA & FCRA.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I am writing this statement for consent. Recently, after reviewing my personal consumer credit reports, it has come to my attention that the following accounts are in violation of the Federal Credit Reporting Act Codes : 1681-2 ( a ) ( 1 ) ( 1 ) ( c ) and 15 US Code 1681-B. None of these accounts should be reflected on my reports as they violate my rights as a federally protected consumer. No company/creditor shall have the authority to report anything on my consumer reports with out the legal written agreement of me and the reporter. Therefore, this constitutes identity theft because no consent is identity theft. So, I am demanding the removal of all accounts and inquires listed in this document/statement. Additional Inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Vehicle transmission went out & I gave it back to dealership for that reason
Product: Credit reporting or other personal consumer reports

In 15 days, I will initiate an update on my credit reports and anticipate the expeditious removal of the remaining fraudulent entries from said reports. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to eliminate any items identified in an identity theft report XXXX XXXX. Enclosed herewith are documents facilitating the rectification of inaccurate information currently reflected on my reports. I wish to reiterate, particularly to the XXXX Bureau, that in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to expunge any items identified by a consumer as stemming from an alleged identity theft, no later than 4 business days after receipt. The following items are specified for removal per bureaus : -- -- -- -- -- -- -- 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 EQUIFAX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that these late payments listed below are inaccurately reported, which is adversely effecting my creditworthiness. 
XXXX XXXXXXXX XXXX with account number XXXX XXXX XXXX with account number XXXX Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions.

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions.

Moreover, in alignment with 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose unless they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information. Hence, I demand proof that the said procedures were correctly adhered to in my case.

If you can not produce the necessary documents validating these late payment entries, or if the entries are found to be inaccurate, I kindly demand that they be deleted immediately or be updated to reflect as " Paid on Time '' or " OK ''.

It is essential for credit reporting agencies to ensure that all consumer reports are accurate, and any inaccuracies are dealt with in a swift manner. I trust that you will handle this matter with the urgency and attention it demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached complaint on this credit reporting agency that refuse to properly investigate this erroneous account that has been reporting on my consumer report with numerous inaccuracies that are leading current and future creditors that I'm less than worthy of extending my credit. I've disputed this particular item 4 times and they parrot information from this blood thirsty collection that have similar complaints from other consumers for unethical collection practices FDCPA violations.At this point I'm prepared to follow suit of consumers and court proceedings such as that of XXXX v. Experian Information Solutions . In this attached letter I request your full method of Verification on this account in writing or I demand to have it deleted from my consumer report. I will seeking remedy in this case for damages caused by this company. I know this company pays you to report this XXXX to my consumer report and you also have a duty as a data furnisher to investigate this item instead of simply sending a form to the company to verify with no merit or factual substantial documents produced. You've have enough time to thoroughly investigate this account so I demand it be blocked and deleted from my report in 7 days from the receipt or this complaint. I'm well prepared to get this matter in the federal court to be property litigated. 

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Product: Debt collection

I have an incorrect collection on my credit report without verification of debt. I asked for verification of contract and have yet to receive a response
Product: Mortgage

My dad died XXXX/XXXX/2015 while in bankruptcy proceeding. 
The Seterus/XXXX of his loan and their attorneys were on notice since XX/XX/2015 and still after many requests for an assumption document to assume my dad 's property as his heir they refuse to provide me any documents they never even contact me to assume his loan a requirement by this agency but they care less about any CFPB new rules not even the federal law mandatory to do what Im saying here To them you guys are nothing no matter you the law. Obviously this agency a fake so the people think they do live in the land called free when is not they have put my/dad house for sale 4 times and 4 times say we will agree for you to assume the loan but never they do sent me anything. The house sale date is the XXXX XXXX, this tuesday and obviously when this get any attention is to late Further, they email me saying they will advise the judge to again stay the sale hearing was XX/XX/XXXX 3 days ago and they didnt say that to the judge nothing they said I got email conversion they saying that the attorney assigned to the case is on notice to input that information to the judge They liars and they think this is not serious what they doing to me and my dead dad my dad will rest in peace while they will have no peace in my dads foreclosure XXXX XXXX XXXX XXXX. Case XXXX XXXX Property XXXX XXXX XXXX XXXX XXXX, Fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX Balance : {$1900.00} XXXX XXXX Balance : {$2000.00}
Product: Credit reporting

I reviewed my Transunion credit report and it is reflecting an account from XXXX XXXX with late payments. I have contacted XXXX XXXX and they confirmed I never had any missed payments and that my account was always in good standing until it was paid in full.
Product: Checking or savings account

My Bi-Weekly direct deposit is being held to an unknown 3rd party issue  and is being fixed with no explanation for that that entails. When the representative was asked they could not provide me that information. When asked for an ETA on when the funds would arrive they also could not give me that information. It has now been XXXX hours and I am no longer being allowed access to my accounts through the app or website as a technical issue is halting the 2-factor verification process that so conveniently was only required the same day my deposit was missing. They have never asked for this in my time banking with them.
Product: Money transfer, virtual currency, or money service

Starting XX/XX/XXXX, I began the process of trying to close my PayPal account. They have access to sensitive financial data such as bank accounts with routing numbers. At first, I was told I could not close my account because it was " linked '' to Venmo. I called Venmo customer service, and they confirmed that there was no link, and had never been a link to PayPal. I forwarded this information to PayPal and they started telling me it was some kind of unspecified system error that was keeping them from closing my account. I tried continuing to contact them for 2 weeks, and would either get the Venmo account link excuse, or the unspecified error excuse. After 2 weeks, I just flat out deleted my Venmo account since PayPal is their parent company. After deleting the Venmo account, PayPal still refused to close my account. I waited another 2 weeks ( it has been 22 days since I've been trying to close the account ) and I've contacted them nearly every day. They are holding the account hostage and not giving me any additional information about what the issue is that is keeping them from being able to close the account. From a quick internet search, it sounds like they are doing this to a significant number of their customers, and they have a lot of people angry over some XXXX language change. They appear to be holding customer accounts hostage because they do not want to lose account numbers over this issue. I'm hoping a CFPB complaint will help me to finally close my account with PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PAID OFF THE CAR LOAN AND XXXX XXXX XXXX IS FRAUDULENTLY REPORTING THAT I STILL OWE MONEY TO THEM. XXXX XXXX XXXX HAS BEEN CONTACTED MANY TIMES VIA XXXX AND THE FRADUSTER STILL FRAUDULENTLY REPORTING THAT I STILL OWE. 

XXXX XXXX XXXX HAS NOT GIVEN ME THE PINK SLIP. THIS IS A FRAUDSTER.
Product: Credit card

A hacker stole my personal information, my email and changed My password in my Bank account, my Credit karma account, and my XXXX account and started applying for credit cards, loans. The hacker changed my XXXX  account from my Job and changed my email and Bank account to receive my paycheck. He stole my money from XXXX XXXX XXXXXXXX and it is still under investigation. 
The hacker as well sent me a threating letter saying he is going to destroy my life if dont deposit XXXX to his XXXX  account
Product: Checking or savings account

Truist Bank has implemented a new online banking system following the merger with Suntrust and BB & T which is far less customer service driven and is very inefficient and cumbersome to use. I have attempted to resolove this issue with the online Chat feature through Truist on 2 occassions, both attempts with open chat for well over an hour with ZERO updates or response. Additionally, I called the 800 Customer Service number and sometime after the 45 minute hold time, the line went dead. 
the changee I need to get a copy of a check that was cleared on XX/XX/21 but the " new '' Truist system will not show images of checks after 60 days. The 'old ' Suntrust online app would let you go back more than 12 months. 
From what I have been able to gather with XXXX searches and online complaints, the only way to get the check is to make a request, pay {$5.00} and wait XXXX days for it to be mailed to you. 
Since banks no longer return processed checks for record keeping and filing as in the past, they have always allowed you to access your account and print checks you need for more than 12 months. I am able to do with with my Regions, XXXX XXXX and XXXX. 
In fact, XXXX includes a page of your check images for the statement period. 

My issue with TRUIST is that they have deminished the customer online access and functionality so that they can generate more funds with ridiculous charges for services and that they have EXCESSIVE ( more than an hour ) wait times to recieve a response through chat or the customer service phone line.
Product: Debt collection

Re XXXX File No. XXXX The above referenced firm XXXX XXXX XXXX XXXX XXXX falsely filed a court judgement against me in XXXX of 2014. Rather than fight the matter further in court, I agreed to a repayment plan effective XXXX XXXX, XXXX. Payments have been made faithfully since that date on amonthly basis, and in some cases two months payments were made. It appears that these payments may have been recorded incorrectly prompting the firm to send me a certified letter ( attached ) indicating that a Notice for Execution Against Wages, which could have possibly resulted in the  termination of my employment. Given the gravity of these implications, I felt my XXXX XXXX XXXX and began to immediately XXXX XXXX XXXX. I was able to gather myself to call XXXX and review my payment history with them to which a XXXX . XXXX XXXX was very kind and attempted to calm me down, and told me I had nothing to worry about, then proceeded to force me into a new agreement that would double my monthly payment. I also reiterated that none of this would have happened if they set the account up on an auto deduct from my bank account, however, they said that this could not be done. The matter was unintentionally made worse each time XXXX XXXX referenced a judgement that was still unresolved. At this point the damage that this very threatening letter was already done. I will be heading to a clinic now to have my XXXX XXXX checked or to determine if I need to go to an emergency room.
Product: Mortgage

XXXX XXXX approved of a mod modiciation but sold my loan to XXXX XXXX before the first payment of my trial period. A key debt forgiveness provision in the XXXX trial letter was unethically excluded from the final loan modification agreement, drafted by XXXX involving an incentive for over {$330000.00} in debt forgivement over the first three years of the payment period. Under XXXX XXXX, I was also approved for a Keep Your Home California ( KYHC ) debt forgiveness pay out of {$100000.00}. XXXX XXXX initially verified receipt of {$100000.00}, and in mortgage statements showed that a portion of the {$100000.00} was appled to future mortgage payments. XXXX then told me that the {$100000.00} was returned to XXXX, such that payments were instantly in arrears. XXXX XXXX also intercepted a mortgage paymentinvolving three ( 3 ) money orders earmarked for a mortgage payment, forged all 3 money orders,  and used them for the personal use of a nationstar employee and/or its associates and never gave me credit for that specific payment. I filed a police report with the Sheriff of XXXX XXXX County, in Califfornia where I reside and the case was transfered to XXXX Texas, where XXXX  headqquateres is located. XXXX XXXX sold my loan to Selene Finance who says the {$100000.00} KYHC funds were transfered to them but have denied my request for a loan mod. The XXXX XXXX told be there was NO {$100000.00} funds from KYHC but agreed to obtain a loan mod on my behalf, but have been 'stringing me along ' for over 6 months now, claiming my file is escalated, with a forclosure sell date pending of XX/X/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Account # XXXX was deleted from their records and send a AUD correction to Equifax to remove the account effective XX/XX/2022. Equifax SC # : XXXX. AUD Control # XXXX They are refusing to remove an invalidated and deleted collection account from my credit report. 

The company, '' XXXX XXXX XXXX '' no longer has authority to collect on this account.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Address Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of incorrect addresses listed on my credit report. These addresses are not mine, and I am requesting their immediate investigation and removal to ensure the accuracy of my personal information, as required under the Fair Credit Reporting Act ( FCRA ). 

The following addresses appearing on my credit report are incorrect : 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  My actual and current address is : [ Your Correct Address, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maintaining incorrect address information on my credit report can lead to confusion, misattributed accounts, and potential violations of my rights under FCRA 1681e ( b ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer reports.

I request the following actions : Immediate Investigation : Review the incorrect address information and confirm that these addresses do not belong to me.

Correction or Removal : Remove all inaccurate addresses from my credit report.

Written Confirmation : Provide me with written confirmation of the changes made and an updated copy of my credit report reflecting the accurate information.

Please complete your investigation and respond within the 30 days required by the FCRA. Ensuring the accuracy of my credit report is essential, and I appreciate your prompt attention to this matter.

Thank you for your cooperation. 

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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

A pay day loan listed as XXXX,XXXX is listed at Check into Cash on my credit report.I never took out that loan.
Product: Credit card

Barclaycard 's dispute process is broken and unusable. Any dispute is filtered through a few limited questions that don't cover many cases with no opportunity to comment. The only document upload provided is .jpeg - seriously? Barclaycard is, presumably intentionally, making a dispute almost impossible. They must try to wear down customers via horrible web portals, limited options, obscure communications. If and when you talk to an agent there is a language barrier as they must be using low cost labor from overseas with very basic XXXX skills.
Product: Debt collection

According to Tennessee state licensure verification, Portfolio Recovery Associates is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX. The amount for this debt is {$460.00}.