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

XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX RE : PERMISSIBLE PURPOSE To whom it may concern. 

I, ( XXXX XXXX ) never gave ( XXXX, XXXX, Or XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXX XXXX XXXX Unverified Account Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copyof my Experian RentBureau report sent to me via mail.
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to a dispute with CFPB submitted on XX/XX/2023 with creditor : XXXX XXXX Account XXXX which completed results on XX/XX/2023 and also submitted on XX/XX/2023 creditor : XXXX  XXXX Account XXXX Account XXXX and completed results on XX/XX/2023. Experian stated that the above accounts were verified. Please provide your ( Experian ) METHOD OF VERIFICATION and provide the procedure taken to make sure that each account was 100 % accurate in accordance with the FCRA. Please provide 1 ) Proofs of steps taken in your independent investigation 2 ) documentation to validate the disputes. Please mail me proof of your independent investigation or remove these items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 3 years I have mailed in numerous dispute letters requesting the removal of the XXXX XXXX credit card account because this account was paid in full in XXXX. However, it has continuously been reported as a CO monthly well into XX/XX/XXXX by both Transunion and XXXX. 
I have even written the company asking for the removal for this inaccurate reporting. 
This is very frustrating because we are trying to buy a home and this negative account has a huge impact on my credit profile.
Product: Credit reporting or other personal consumer reports

I have been having the same problem for a long time with Transunion. The account in question is XXXX ( XXXX XXXX XXXX ) and even after multiple attempts disputing this account they keep saying it is valid. When XXXX and XXXX could not do the same and deleted the account off my credit report. When asked to show their proof they never do. As a consumer I have the right to dispute inaccurate information and I have the right to say what should be on my credit report. I feel as though I have lost faith in transunion as a consumer reporting agency because they refuse to do their jobs for consumers like me. It would be in their best interest to remove this account within XXXX  days or I will have to take this a step further and sue for {$1000.00} per violation of my consumer rights
Product: Money transfer, virtual currency, or money service

Cashapp deleted my account claiming there was gambling on my account. I contacted a customer service representative and that is all they would tell me. They said they were unable to give me any details. I have never gambled on the app. I used it just as everyone else, to transfer money to friends or family. I had a balance in which they kept.
Product: Credit reporting, credit repair services, or other personal consumer reports

Documents sent certified mail to TransUnion LLC on XX/XX/2021, with no response for more than 60 days. Filed CFPB complaint XX/XX/2021, TransUnion mailed document with deletion of account on XX/XX/2021 & mailed another document on XX/XX/2021 reinserting document. TransUnion is in violation of several laws. See attached.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$500.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$520.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$4000.00} XXXX JPMCB CARD Account number XXXX Date opened XX/XX/XXXX Balance {$26000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$14000.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$4000.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} - Late/Open- Late dates XX/XX/XXXX - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} -late closed 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M REQUESTING TO HAVE XXXX TO VALIDATE A DEBT ... XXXX ACCOUNT NUMBER XXXX ... 
TO Transunion : : I Received The Results From My Previous Dispute ... I Have A Right To Have An Investigation Done... According To Credit Reporting Laws They Ensure That Credit BUREUAS Report Only 100 % Accurate Information ... Every Step Must Be Taken To Assure That The Information Reported IS COMPLETELY ACCURATE AND CORRECT ... The Following Information Therefore Needs To Be Re-Investigated... Please Make Sure Everything PERTAINING TO MY CREDIT REPORT IS CORRECT... 
Please Provide ME With THE FOLLOWING ITEMS : : : Pay Off DISCLOSURE Interest Rate DISCLOSURE Balance HISTORY Payment HISTORY AND THE Credit INSURANCE... 
PLEASE VALIDATE ACCOUNT XXXX ACCOUNT NUMBER XXXX ... 
I RESPECTFULLY Ask Transunion TO Provide Some Kind PROOF Of The Alledged Item Specifically The Contract Note Or Other Instruments Bearing My Signature... 
Additionally Please Provide The Name Address And Telephone Number Of The Credit Grantor Or Other Subscriber... 
Under Federal Law You Have Thirty ( 30 ) Days To Complete Your Re-Investigation... Please Be Advised That The Description Of The Procedure Used To Determine The Accuracy And Completeness Of The Information IS Hereby Requested As Well... To Be Provided Within Fifteen ( 15 ) Days Of The Completion Of Your Re-Investigation Transunion Respectfully XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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

I am formally disputing the inaccurate reporting of multiple late payments by these creditors to TransUnion. Their records falsely reflect late payments that were, in fact, made on time. Despite my efforts to maintain a responsible payment history, these incorrect marks remain on my credit report, unfairly damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

made goodwill gesture to allow the agency to correct the erroneous reporting, and I have maintained a careful record of my communications with the agency and now I am filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office due to the non-compliance of the agency. I do not agree with the item listed below which still appears on my credit report, even after a so-called Investigation. I would like this item immediately re- investigated. These inaccuracies are highly injurious to my credit rating. I have been turned down for job opportunities and many purchases due to this inaccurate report. The following is inaccurate : Company : XXXX Account Number : XXXX REASONS TO INVESTIGATE AND VALIDATE THE ACCOUNT : validation of debt not given as requested, Date opened is incorrect, inaccurate payment dates, I DID NOT provide written permission for this account to even be reporting to or on my credit report, Wrong date of last activity noted, Wrong balance listed, wrong payment dates listed .Wrong date of last activity noted, Wrong balance listed, Wrong credit limit amount listed. It is my understanding with MY RIGHTS AND federal consumer laws that they will check these items with the creditor who has posted them and MUST provide documented validation of all reported inaccuracies and validates debt. I WANT THIS ACCOUNT AND ALL INACCURATE INFORMATION THAT IS NOT VALIDATED AND DOCUMENTS PROVIDED TO ME REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation of trying to resolve this problem with Experian. History with CFPB will show I have tried since 2013 to fix this with no success. Attached is a copy of a credit report disclosed to me from XXXX XXXX while in refinance process. Experien, of the three credit reporting companies, shows me with the lowest score and " a serious delinquency ''. I believe this is a continuation of their violation of Federal Bankruptcy laws because they labeled non payments WHILE I WAS PROTECTED DURING A CHAPTER XXXX BANKRUPTCY as late payments. They should not have done this as I was in the bankruptcy process. Prior to that I never had a late payment, and I specifically did not make late payments knowing I was filing bankruptcy and did not want to further affect my FICO by being late. They have yet to fix their mistake though I have made complaints through CFPB. I need to see their proof of " serious late payment '' or they need to fix their mistake and stop breaking Federal law and affecting my credit score.
Product: Checking or savings account

I ordered a XXXX from XXXX. The order did not arrive on time so I canceled it. After 10 business days of not receiving my money back, I disputed the transaction with my bank. For the past 4 months I have been calling both XXXX and my bank Ally. They each say they dont have the money and I need to call the other one.
Product: Credit card or prepaid card

CFPB : your pre-defined checkboxes do not have the options needed so I will explain the problem here. 

1. I filed to Opt-Out of credit card offers in XX/XX/XXXX ( 7 years ago ). I then mailed in the form to be PERMANENTLY Opted-Out in XX/XX/XXXX ( 7 years ago ). 

2. On XX/XX/XXXX ( 3 days ago ) I received a mailed offer for a credit card from XXXX XXXX. It had my specific name and address on it. It also included a Reservation number and an Access code so that if anyone had taken it out of my mailbox they could have gotten a credit card in my name ( Identity fraud ). 

3. I froze my credit years ago to protect my finances. 

Why are banks such as XXXX XXXX allowed to ignore the permanent Opt-Out, ignore credit freezes and risk the loss of my entire future for the sake of a quick buck?????
Product: Student loan

In a letter dated XX/XX/XXXX, FedLoan Servicing gave me information regarding qualifying payments toward XXXX. The letter stated that I had made XXXX qualifying payments, but I believe I made XXXX qualifying payments. I need to know why certain payments did not qualify and want all of them to be considered qualified. 

FedLoan Servicing stated that during my employment at the Department of XXXX XXXX, from XX/XX/XXXX toXX/XX/XXXX, I made XXXX qualifying payments. But according to my transaction history, I made XXXX payments during this period ( 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,XX/XX/XXXX ). 

For my employment at the XXXX XXXX XXXX and United States XXXX Courts ( these are actually the same employer ), from XX/XX/XXXX to XX/XX/XXXX, FedLoan Servicing said I made XXXX qualifying payments. But according to my transaction history, I made XXXX payments during this period ( XX/XX/XXXX, XXXXXX/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,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 XX/XX/XXXX, XX/XX/XXXX ). 

I emailed FedLoan Servicing on XX/XX/XXXX, but have not received a response.
Product: Checking or savings account

On XX/XX/XXXX I payed a local plumber, XXXX XXXX XXXX XXXX through XXXX to snake my main drain pipe. XXXX way through the job he tells me my pipe is damaged, and it may breaks his snake. He pretends to be affiliated with another plumbing company XXXX  XXXX. He tells me XXXX receive a discount. he helps me calls them, gives over his name to set him self as the referral bonus, then leaves. XXXX XXXX come, and they charge XXXX to snake with a cutter. There was no discount. They take video evidence of what my drain looks like before and after. I tell XXXX XXXX what happens there customer service person tells me to contact my bank and have them charge back the account. 

I call Capital one to intiate an investigation ( Claim ID : XXXX ). 

The claim was denied 3 times, and I was told they can not charge back the money because the merchant ( XXXX ) will not comply. 

I was scammed by someone, and have documented evidence, and not a single person can help me.
Product: Mortgage

There are two borrowers on my mortgage with Wells Fargo, B # 1 & B # 2. Both borrowers did NOT have loss of employment and are NOT experiencing financial hardship. B # 1 has TWO jobs and B # 2 has one job and are both still employed. B # 1 asked for forbearance without B # 2 knowing in XXXX, 2020 and no proof of financial hardship was requested by Wells Fargo. B # 2 saw the forbearance on their credit report and called Wells Fargo to ask that it be removed because it was unwanted and unnecessary and Wells Fargo said no. The added that both B # 1 and B # 2 are equally financially responsible for the loan, but B # 1 can place the forbearance on the account without B # 2 consent. After this Wells Fargo allowed another 3 months of forbearance to be added to the account without B # 2 consent. B # 2 feels that if they are financially responsible for the account then they should also have the authorization to approve a forbearance.
Product: Mortgage

In in 2017 I was approved for a loan modification Wells Fargo Bank I was approved for a loan modification and when I got my loan documents through the mail I called customer service to have them go through it with me when I got a customer service woman on the phone she said she wasn't sure what I was looking at because the documents in her computer weren't the same as what they sent me so she was going to send me new documents to go over after sometime and talking with XXXX different people I never received new loan documents and then XXXX day I got a letter in the mail saying that they were going to foreclose on me because I didn't return my loan documents but I couldn't because the loan documents I had the lady at the bank said where the wrong ones and I talked to XXXX different people from customer service and they never sent me the right loan documents I had to make XXXX on time mortgage payments with my new mortgage amount of {$350.00} and once I did that they'd send me the loan documents because I was approved for my new mortgage loan when I got my documents I called customer service to have them help me fill them out and the woman on the phone told me she had no idea what documents I was looking at because the ones in her computer were different so she was going to send me new loan documents and after weeks and weeks and weeks of me calling customer service asking where my loan documents were I talked to XXXX different people and everybody said they kept sending them but nothing was coming they never sent me any new loan documents and then XXXX day I got a letter in the mail saying I was going to be foreclosed on because my documents weren't turned in by a certain date so I was forced to sell my home to avoid foreclosure and I never intended to have to sell my home and because Wells Fargo forced my hand with the foreclosure and I had to sell sell my home I became homeless
Product: Debt collection

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I have an inquiry on my credit report that does not belong to me and i did not make. Please remove immediately. XXXXXXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Just want to fallow up with my case. 
Again Saturday ( Approximately ) between XXXX XX/XX/2021 someone went to chase bank in this location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX and withdrew {$9500.00} and went another location same day and withdrew {$500.00} XXXX XXXX XXXX XXXX, XXXX, WA XXXX I filed a claim with chase Monday XX/XX/2021 and chase claim department asked me to get an actual police report. And I requested a police report XX/XX/XXXX and I received the police report XX/XX/XXXX and a sent a police report to the The claim department. After waiting for five business days to resolve my problem, or reimburse my money, I got an email from Chase claim department, and they denied to deposit the money to my account. And they told me that they dont have enough evidence to dispute my claim. And they also requested officer Or detective to come both locations and look at the footage.