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

I am filing this complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ) 605C, 1681e ( b ), 1681i, and 623, by failing to remove an inaccurate charge-off from XXXX XXXX XXXX despite the fact that XXXX and XXXX have already removed it after their investigations. I have also requested the method of verification ( FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ), and TransUnion has failed to provide any documents proving the validity of this charge-off FCRA Violations Committed by TransUnion : 1. Failure to maintain maximum possible accuracy ( 1681e ( b ) ) The charge-off was removed from XXXX and XXXX, proving its inaccuracy. If XXXX national credit bureaus have corrected this error, TransUnions continued reporting of it is not only inaccurate but also reckless.

2. Failure to conduct a reasonable investigation ( 1681i ( a ) ( 1 ) ( A ) ) TransUnion is blindly relying on XXXX XXXX claim instead of conducting an actual verification process.

3.Failure to delete inaccurate information ( 1681i ( a ) ( 5 ) ( A ) ) If two credit bureaus deleted this charge-off after their investigations, TransUnions report is inconsistent and inaccurate, violating the FCRA requirement that consumer reports be accurate across all bureaus.

4. Liability for willful noncompliance ( 1681n ) TransUnions refusal to correct this known error is a willful violation of my rights under the FCRA. 

All Three Credit Bureaus Should Match The XXXX major credit bureaus ( XXXX, XXXX, and TransUnion ) should all report accurate and consistent information. If XXXX and XXXX have determined that this charge-off was incorrect and removed it, then TransUnion is obligated to do the same. A credit report must be consistent across all three bureaus, and any deviation suggests either negligence or a failure to properly verify information. 

I have attached proof that both XXXX and XXXX removed this charge-off. This is direct evidence that TransUnion is reporting inaccurate information, damaging my credit standing, and violating my consumer rights. 
I am demanding the immediate deletion of this inaccurate charge-off from my TransUnion credit report. If TransUnion refuses to comply, I will escalate this matter further, including legal action for willful noncompliance under FCRA 1681n, which allows for statutory damages, actual damages, and attorney fees. 
This is my final attempt to resolve this issue before pursuing further legal remedies.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX- XX/XX/2016.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a series of significant errors, discrepancies, and unauthorized accounts that have surfaced on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct these erroenous accounts being reported on my File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/ 2022 and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Late Dates XXXX, XXXX & XXXX XXXX XXXXXXXX Late Dates XXXX XXXX XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX Late Dates XXXX
Product: Credit card

American Express Credit cards refuses to remove my name from its mailing lists to received UNSOLICITED credit card offers weekly
Product: Credit reporting or other personal consumer reports

CFPB Complaint Statement What Happened ( Statement of Pertinent Facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private XXXX ) This CFPB complaint has been filed to request, pursuant to FCRA XXXX XXXX XXXX XXXX XXXX  ), that you, the credit reporting agency , remove all fraudulent accounts and associated inquiries related to the opening of those accounts from my consumer credit report. 

The fraudulent accounts identified are as follows : 1. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  These accounts and their associated inquiries are the result of identity theft and fraud, causing inaccuracies on my credit report. 

I have attached the following documents to support my case : FTC Identity Theft Affidavit XXXX Notarized Identity Affidavit, including a copy of my ID, Social Security Card, and Birth Certificate Confirmation of the Equifax Data Breach Impact, detailing the exposure of my sensitive personal information I do not recognize the aforementioned accounts or inquiries, nor did I authorize their creation. These fraudulent items are the result of identity theft and fraud linked to my compromised personal data.
Product: Credit card

I filed XXXX  XXXX XXXX XXXX XXXX the credit card is not reflecting in bankruptcy
Product: Checking or savings account

On XX/XX/2022 and XX/XX/2022, my wife received documentation from Truist Bank as follows : - Several Money Market accounts stating that her overdraft protection was declined. 
- Several bank statements showing small balances less than {$1.00}. 
- She never had or opened a new account with Truist Bank. 

On XX/XX/XXXX we contacted Truist Bank in XXXX, Va. We gathered the statements and went to Truist Bank XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Va XXXX XXXX. We spoke with XXXX XXXX, XXXX Team leader ( Ph : XXXX. We expressed that we were concerned about theft ID and how someone could open several accounts without personally coming in to the office. 

XXXX XXXX contacted their fraud department and placed a block on the account. She advised us to contact the credit bureaus and have our data frozen. She provided us with her business card and said that we will receive written documentation from the Fraud Department. The same day we contacted the credit bureau and had our accounts frozen. 

On, or about XX/XX/XXXX, we filed a fraud report with the XXXX of XXXX XXXX, VA. 

On XX/XX/XXXX, we had not received any contact from Truist Bank and called the office in XXXX to inquire of the status. They had none. After that we called the Truist Bank fraud department. They stated that they show the accounts blocked. We asked for documentation to show that the accounts were blocked and the progress they have made. 

We were told that they will not provide us with any documentation. This caused grave concern for us since it appears that our ID has been stolen. They refused several times by saying that we will not receive any documentation, but the conversation has been recorded.
Product: Consumer Loan

I financed a vehicle in XX/XX/XXXX-XX/XX/XXXX and had car issues days into the loan then the loan was cancelled and was no longer active but it still shows it on my credit report and I would like for it to be cleared off.
Product: Mortgage

Issue # 1 : Remediation check in the amount of {$22000.00} received by mail from letter dated XX/XX/year>. Due to error in calculation for, 1. Compensation for time you did not have funds, {$2700.00} 2. Interest, {$18000.00} 3. Fees, {$1600.00} No Inconvenience provided in this payment Issue # 2 : Remediation check in the amount of {$9400.00} received by mail from letter dated, XX/XX/year>. Due to calculation for, 1. Compensation for time you did not have funds, {$810.00} 2. Interest, {$3100.00} 3. Fees, {$3500.00} 4. Inconvenience {$2000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I disputed information and provided proof of identity theft snd proof of address I have also supplied identity theft affidavits address affidavits as well with said companies Equifax XXXX XXXX XXXX These companies failed to protect my consumer rights and also violated section 605b of the fair credit report act /penal code they have also failed to thoroughly verify fraudulent accounts I have filed a legal suit against the above stated companies I requested that the companies provide proof and documentation as to how they verified the said collections and inquiries on my personal credit report below are the fraudulent Accounts and inquiries from each company XXXX Equifax XXXX they gave
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Department Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax XXXX Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information. 
15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports. 
18 U.S. Code 1028A : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( XXXX ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

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

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Student loan

I am a co-signer on my son 's private student loan. He is entering his senior year of college and just filled out the paperwork for his last loan through Sallie Mae. The prior two years the fixed interest rate XXXX with me as a co-signer ) was 6.25 %. This year, the interest rate has increased to 9.25 %. When I talked to a manager, she said that the prior XXXX loans on my credit history made the interest rate go up. I have a good income, little debt and feel like Sallie Mae is just taking advantage of the fact that they have a near captive audience and can therefore raise the interest rate by 3 %, even with a co-signer. My son is attending the University of California XXXX. He has another undergraduate degree, so does n't qualify for federal loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the itemsXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws. Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations.

Also, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations.

Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system.

Furthermore, if you claim that proper notification was provided, I demand conclusive evidence to support this assertion. Please furnish me with the certified mail receipt, along with my signature acknowledging receipt of such notification. I challenge your agency to produce any document bearing my signature confirming receipt of the alleged debt notification. Failure to provide such evidence will only reinforce my belief that your attempts to collect this debt are baseless and unfounded.

Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above.

In conclusion, I demand that SPRING OAKS CAPITAL LLC cease all collection activities until such time as you can provide adequate validation and verification of this alleged debt. I expect a prompt response to this dispute within legal time frame. Failure to comply will leave me with no choice but to pursue all available legal remedies to rectify this matter.

Sincerely,
Product: Student loan

I have tried to make payments on my student loans many times but this servicer MOHELA has blocked my attempts, they cite a change in web based service, this is causing me undue distress and possible financial harm
Product: Credit reporting or other personal consumer reports

For the Record ... .Wells Fargo Home Mortgage has continues to be non compliant with the law, with my requests and continues to violate the terms of service and their fiduciary duty to me. yesterday, XX/XX/year> I called Wells Fargo Home Mortgage, entered my account information, and spoke to a representative, named XXXX employee # XXXX on a recorded line whom i then also told that I too was recording this conversation as well on my end. I then told XXXX from Wells Fargo Home Mortgage that my son, XXXX XXXX was also on the line and that let her know that I had previously and several times revoked Power of Attorney from Wells Fargo and was now with her on the line as witness am appointing my son, XXXX XXXX with my permission to handle this account as power of attorney, Wells Fargo and Wells Fargo Home Mortgage has refused to comply and adhere to my request concerning my account. I have revoked Power of Attorney from Wells Fargo and Wells Fargo Home Mortgages in previous disputes and even hand written letters I have personally sent as well as with signed and notarized documents I have sent. 
so I called them yesterday on a recorded line and and verbally told XXXX this is what I want and I revoked P.O.A. from them and appointed my son, XXXX XXXX with the Power of Attorney. XXXX then proceeded to tell me that even though I told her all of this it can not be until it is done on paper and submitted on Wells Fargo documents, This is NOT TRUE and against the law. The Law does not require me to use Wells Fargo or Wells Fargo Home Mortgage 's documents to officiate or exercise my rights to revoke, consent or appoint any changes I authorize concerning my account. I have more than enough evidence of the Fraud, Non-Compliance and utter disregard of the laws of the land by Wells Fargo and Wells Fargo Home Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report AXXXX, this creditor, XXXX XXXX has violated my rights. Under, 15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.Code 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.Code 1666b a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Product: Credit reporting 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 accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a house and i seen negative items on my report that werent mine. Under the Fair Credit Reporting Act 15 U.S.C 1681 this is against the law. This is detrimental to my livelihood and i have tried multiple times with the company.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with the handling of fraudulent items on my credit report. Despite my numerous attempts to address and rectify this matter, the fraudulent items persist, and it is disheartening to note the lack of resolution. 

Clearly outline the fraudulent items on your credit report, including the account names, dates, and any other relevant details. 

Provide a concise summary of the steps you have taken to address the issue, including dates and methods of communication with the credit bureau. 

Mention that you have attached any supporting documentation, such as evidence of payments, correspondence with creditors, or any other relevant information. 

Describe the impact these inaccuracies are having on your creditworthiness and any adverse effects, such as higher interest rates or denials for credit applications. 

Clearly state your expectations for the resolution, emphasizing the need for a thorough investigation and the prompt removal of the fraudulent items from your credit file. 

Specify a reasonable deadline for the credit bureau to respond to your complaint and take corrective action. Iam asking for your assistance to remove these fraud items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XX/XX/year> Dear XXXX I am writing to formulate dispute inaccurate reporting on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against experian for its failure to properly investigate consumer disputes citing shams Investigations any other unlawful practices these practices are outlined by the CFPB includes. 

Conducting inadequate investigations that failed to address consumers disputes properly. Reinserting previous disputes inaccurate information without explanation. Failure to notify consumers about investigations results effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX IS KNOWINGLY AND FALSELY REPORTING THAT THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX TO XXXX. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXX TO THE CFPB.GOV XXXX XXXX XXXX XXXX. IS KNOWINGLY AND FALSELY REPORTING TO TRANSUNION THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  TO THE CFPB.GOV XXXX XXXX XXXX XXXX. IS KNOWINGLY AND FALSELY REPORTING TO XXXX THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XXXX XXXX XXXX. THAT IS A LIE THE ACCOUNT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXXTO THE CFPB.GOV THIS IS NOT A MISTAKE. XXXX IS TRYING AND HAS SUCCEEDED TO DESTROY MY CREDIT WORTHINESS. THEY HAVE DONE THIS MANY TIMES TO MANY PEOPLE. THIS IS THEIR BUSINESS MODEL. BUY OLD ACCOUNTS REPORT LIES BY RE AGING ACCOUNTS. TAKE THEM TO COURT FALSELY. THEN DROP THE FALSE LAW SUIT. THE ACCOUNT IS RE AGED TO COME WITHIN THE TWO YEAR MARK TO DESTROY YOUR CREDIT.
Product: Mortgage

I pay all my bills by bill pay. They did an escrow analysis adding a charge of XXXX . In XX/XX/2020 they sent an up charge, Since they were sending unlimited advertisements to me I apparently missed their notice. In XXXX I called and was notified I Did not pay their up charge that I could pay it on the next Payment. I paid it then. They then notified after cashing the {$1100.00} payments, that my payment was 30 days late, of course this has affected my credit rating. NewRez loan number XXXX.