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

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


Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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.
Product: Credit reporting or other personal consumer reports

Heres a draft of your complaint to the CFPB : Subject : Complaint Against TransUnion for Failure to Accept FTC Identity Theft Report and Investigate Fraudulent Accounts To Whom It May Concern, I am writing to formally complain about TransUnions refusal to accept my identity theft report filed through the FTC website and their ongoing failure to investigate and block fraudulent accounts on my credit report. 

I am a victim of identity theft, and fraudulent accounts with XXXX, XXXX, and XXXX have been opened in my name. To resolve this, I have sent numerous documents to TransUnion, including theft affidavits, letters, and proof of identityall of which included the necessary file numbers. Despite this, TransUnion has refused to block or investigate these accounts. 

When I contact TransUnion, no one provides help. I am also unable to access my credit report to check for any additional fraudulent accounts. I have spent over {$300.00} mailing these documents, and despite months of waiting, nothing has been resolved. I believe TransUnion is deliberately taking advantage of the time to avoid addressing my case. 

I have spoken to several representatives, including individuals named XXXX and XXXX. XXXX informed me that there was an error and assured me that she would transfer me to the back office team, who would assist in blocking the fraudulent accounts. However, after a XXXX wait, the call was disconnected. Despite numerous promises, no supervisor has returned my calls. 

As a victim of identity theft, I have rights under federal law, and XXXX actions are unacceptable. These fraudulent accounts must be removed from my credit report immediately. 

I request that the CFPB take immediate action to ensure that TransUnion complies with its obligations to investigate and remove these fraudulent accounts from my credit report. 

Thank you for your attention to this urgent matter. 

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

Demand to opt out indefinitely. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. XXXX and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data.

Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as XXXX and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to XXXX, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet XXXX and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which XXXX and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Product: Credit card or prepaid card

On XX/XX/2023, someone opened a credit card account with Bank of America in my name fraudulently. 

I have never received the card, but have begun to receive correspondence from Bank of America referring to the account. 
I have checked my credit reports from XXXX, XXXX and XXXX, and they all 3 have the account on my report. 
The account should have never been opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Collections Account # XXXX, XXXX Funding Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my reports to this complaint on the following dates ( XXXX XXXX XX/XX/year>, XX/XX/year> ). These CAN NOT be reporting accurately because the account was CLOSED in XX/XX/year> and my status was CLOSED/NEVER LATE. This can be verified on my XXXX report which I have attached to this complaint. So my account can not have been reporting as late if it was already closed, which makes this CLEARLY INACCURATE REPORTING. I demand these payments immediately be updated to PAID/CLOSED NEVER LATE just like it shows in my XXXX report.
Product: Debt collection

XX/XX/2018, {$850.00}, I dispute it did not get any information from them to verify the account with my driver 's license and my copy of my social security have not received anything for the last 30 days and also sent another letter no response also the letters was certified returns.. also this is a third party company that I have no accounts with this company is a collection company that never heard of
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX of 2020. At the beginning of Covid, XXXX XXXX has reported late payments on my credit report for these months. I thoroughly explained to XXXX XXXX that a bank error ( due to Covid ) caused some type of payment reversal. The bank explained to me that this was their error and apologized. However, their apology did not fix my problem with this reporting on my credit report. I wrote to XXXX XXXX, Transunion, XXXX and EXXXX  explaining the problem. No one as helped. They know darn well when the pandemic hit, lots of businesses experienced all type of problems of computer issues due to staffing etc. This issue caused a significant drop in my credit report. I had been trying feverishly to stay on top of my credit after experiencing problems in the past. I vowed to never be in that situation again unless some tragic happened that prevented my from paying my bills. This was not the case at all. I had plenty of money in my account to cover the XXXX XXXX  monthly payment. It was not until months later that I found out about this error after reviewing my credit report. This has caused me great undue stress and I want it fixed ASAP! Or I will push further and be a thorn in the side of XXXX XXXX, Transunion, XXXX and XXXX. They can clearly see that I had a 3-4 year perfect pay history on this account. They shouldve taken this into account after I pointed out the error and explained what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making payments to XXXX XXXX XXXX for about 2 and half years now and the majority of them have been paid online. I paid my XXXX mortgage payment on XX/XX/19 which was a Sunday at XXXX. XXXX XX/XX/XXXX changed the way they process payments on the weekend, did not notify me of the change, and applied my payment as of XX/XX/19 and put a 30 day late on my credit report. I paid on XX/XX/XXXX not XX/XX/XXXX. I was not 30 days late. I provided proof showing the screen print of my payment along with their email confirmation of receipt of payment dated Sunday, XX/XX/2019 XXXX XX/XX/XXXX. XXXX XXXX refuses to take the 30 day late off my credit report.  I've called them numerous times speaking to various people. More than one of their reps agreed that they recently changed the way they process payments. They now apply weekend payments the following business day and will put a 30 day late on your credit report even though you were not 30 days late. Again, they failed to notify me of this change in apply weekend payments the following business day and the fact still remains that I paid on XX/XX/XXXX not XX/XX/XXXX. My last call to XXXX XX/XX/XXXX XX/XX/XXXX was with their Customer XXXX on XX/XX/19 at XXXX. He stated they've done this to thousands of people and put the 30 days late on their credit reports too. I first notified XXXX Mortgage of their error on XX/XX/19 via email to XXXX. I received no response. I sent a second request for them to correct their error on XX/XX/19. No response to my either email. I was verbally told they would have a decision by XX/XX/19. It seriously does not take two weeks to look at this information. I called XX/XX/19 and was told they declined to remove the 30 day late and was advised to file a dispute with the 3 credit bureaus so that department can review the complaint and decide what to do. They are clearly violating the Fair Credit Reporting Act when I paid them on XX/XX/19 not XX/XX/19. Here are the dates & times of my calls to XXXX XXXX XXXX  trying to get them to review the proof of payment emailed to them and to remove the 30 day late from my credit report : XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019XXXXXX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX
Product: Checking or savings account

I deposit on XX/XX/22 amount of {$10000.00} and money was transferred to 3 or more accounts. I pay all money that due before deposit of {$10000.00}. Navy Federal system crash on mobile app of transfer to another union credit bank. I call and went local bank about my money. Navy Federal state that money never send and close and told me send me email about situation. I never received email and bank act like I spend my money. From what told to me at local branch, the system crash and now that they discovered that. Navy Federal must filed claim against insured to reclaim my money. Now they stated to me that my money never sent over, but it was not returned.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : 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 EXPERIAN 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, credit repair services, or other personal consumer reports

I received an alert on my credit monitor that there was a credit inquiry made on TransUnion on XX/XX/XXXX. I accessed my Transunion credit report online, and saw a hard inquiry from a company that I did not recognize. I attempted to complete their online dispute processes, but there was no way to dispute this inquiry online. I contacted TransUnion, and they told me that I would have to contact the company first. Unlike other previous inquiries, I did not recognize this company and they did not have a phone number listed. The agent said that they did not have a contact number for them as well, and I would have to get a police report and then mail that along with a " Letter of Authorization '' to remove the inquiry. I asked if I could just upload this and was told that I had to mail it in as this was their policy to not accept online disputes of inquiries, citing a law and their policy. 
Nearly every item on my online credit report had an online option to correct : from addresses, to employment, to late reports -- except inquiries. The excuse that was given for no online dispute option was nonsensical, and TransUnion allowed a company to give very little information about themselves in order to access very much information about myself.
Product: Debt collection

I was in a no contract gym memebrship. 

All gyms were closesed due to covid 19. Plus it was not safe enough. Gym was closed for 3 4 months and reopened with limited capacity. I couldnt go in. Lost 3 family memebers to covid. Called the gym and told them that to cancel the service and refund money they said they will but never did. They also agreed to cancel the account but now after 8 month they sed it to collection affe ting my credit. I called collection and the gym but they want me to make a credit dispute with the beareus. I want this off my account and all charges withdrawn.
Product: Credit reporting or other personal consumer reports

these us bank accounts are not mine. they are fraud and id theft and i want them deleted. 

us bank account # XXXX us bank account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hit by a cyber attack that may have compromised up to 143 million Americans. I checked the Equifax website tool and it states I may have been affected. To determine the extent of how much I may have been affected, Equifax requires that I waive my right to sue. I find this unacceptable. I do not want to waive any of my rights for remuneration for potential damages.
Product: Checking or savings account

My cash app acct was broken into and XXXX was withdrawn by cash app tag name XXXX XXXX cash app asked for a return totally ignored by scamer I then contacted my bank and they proceeded to close my cash app acct and said that's all they can do.i know there is a law suit with them throug cfpb I woul like to put my name on refund list ridiculous some one can just take my money and sleep at night XXXX I'm sorry this was maybe XXXX yrs ago not sure of exact date I should of filed long ago
Product: Mortgage

New American funding ( NAF ) and XXXX XXXX pre-approval me for a VA loan. NAF said they can close on the XXXX of XXXX while XXXX XXXX said the earliest they can do is the XXXX of XXXX so I went with NAF since I was moving for work, I have to get to Virginia as soon as possible. To cut the loan story short NAF missed the closing date as promised be XXXX. I didn't close till the XXXX XXXX, l had already moved myself and my family to Virginia staying in the hotel and racking up hotel bills. 

Everyday the requirement changes that by the time one get resolved it already the next day for a new requirement. 
The last thing that happened was the disclosure I signed when I was locking in the rate had XXXX XXXX XXXX XXXX cash to close. The night before closing I was told I need to pay over XXXX XXXX at closing which was very upsetting especially because I didn't planned nor do I have time to do it. They knew I was under pressure try to get a stable home for my family and trying to get out under hotels bills.
Product: Credit card or prepaid card

I have been a Discover card customer since 2007, with a current FICO score of XXXX. I am being charged a variable rate, currently at 19.99 %. My credit line is {$26000.00}. How can Discover trust me with a substantial credit line, and at the same time charge this exorbitant interest rate? It doesn't make sense. I spoke to a customer service representative and asked if my zip code had any thing to do with this high rate. She assured me it did not. I can't be certain but somehow I get the sense that nonwhite people are being charged more than their white counter-parts. Please look into Discover card 's business practices to ascertain that unfair discriminatory decisions are not being applied. Thank you.
Product: Checking or savings account

I opened a Regions Bank XXXX, Alabama account online in the last week a XXXX XXXX account. I called them today XX/XX/XXXX about other matters and simply asked about if I decided to close the account in the future do I need to go into a branch since I did not see a closing option online. I was told that a " {$25.00} charge would be assessed on any account open for less than 180 days ''. I have the printout of the " Personal checking, Money Market, savings, Time deposit & IRA accounts Pricing schedule '' ( effective XX/XX/XXXX ) on opening the account and nowhere is that charge mentioned. I think that that may be consumer fraud.
Product: Credit card or prepaid card

I did not sign up for the " pay over time option ''. I have had the credit card for over 20 years. Always have paid the balance in full. I do not pay interest. But now they have put part of the new charges each month into a " pay over time '' scenario that ALLOWS you to pay that portion of the balance over time. I paid my XXXX balance and XXXX balance IN FULL. I did not take any TIME to pay it. Yet, I have the interest charge. For 2023, the Interest To Date is {$120.00}. I have " turned off '' the " pay over time '' feature on the account by going online and selecting it to be " off ''. Problem is, I never turned it " on ''. They did. I want my money back. I did NOT take any TIME to pay the balance, so how can there be any interest due?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am a victim of Identity theft. This account is fraud. I sent XXXX and Equifax the FTC report and my State ID certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Lvnv funding llc account # XXXX {$26000.00}. Lvnv funding llc account # XXXX has violated my rights. By adding collecting accounts of fraudulent accounts thats been removed from my credit report at the making police reports with this company. 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 Chapters. 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 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX  XXXX Account ( Account Number : XXXX ) Dear CFPB, I am filing a complaint regarding the inaccurate reporting of late payments on my credit report for the XXXX  XXXX account ( Account Number : XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no action has been taken to address this issue, which is a direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, TransUnion is required to ensure the accuracy of the information in consumer files. The continued reporting of incorrect late payments violates this obligation. 
TILA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least XXXX  days before the payment due date. The inaccurate late payment reporting on this account indicates a failure to meet this requirement. 
The following XXXX late payments have been inaccurately reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These inaccuracies are causing undue harm to my creditworthiness and financial standing. 
Desired Resolution : Immediate removal of the inaccurate late payment notations. 
Written confirmation of the correction. 
Please consider this letter as my formal dispute. If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the CFPB and other relevant authorities. 
Sincerely, XXXX XXXX