23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please consider this correspondence to be formal notice that your company has failed to comply with the " Early Intervention '' requirements of XXXX XXXX, XXXX. XXXX CFR XXXX by failing to provide our mutual client with notice of a final date for loss mitigation options. Our mutual client advises that they did not receive the live contact that was required no later than the XXXX day of delinquency pursuant to XXXX XXXX XXXX XXXX a ) and did not receive the written notice of available loss mitigation options required by XXXX CFR XXXX XXXX b ). 
Please postpone the foreclosure sale scheduled for the aforementioned date, to afford time necessary to comply with these loan servicing requirements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Republic Finance Legal and Compliance XXXX XXXX XXXX XXXX XXXX, LA XXXX Subject : Formal Dispute of Duplicate Reporting Account XXXX  Ending XXXX Dear Republic Finance, I am writing to formally dispute inaccurate and duplicate reporting of my account XXXX  ending in XXXX on my credit report. Upon reviewing my credit file, I noticed that your company has reported this account twice : once as a positive account in good standing and again as a charged-off account. This duplicate reporting is misleading and harmful to my credit score.

Under the Fair Credit Reporting Act ( FCRA ), 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to provide accurate information to the credit reporting agencies. By reporting the same account twice under different statuses, you are violating this provision. 
I am requesting the following actions be taken immediately : Remove the duplicate entry from my credit report. 
Provide written confirmation that the error has been corrected and no further duplicate reporting will occur. 
If this matter is not resolved promptly, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I am also prepared to pursue additional legal remedies to enforce my rights under the FCRA. 
Please respond to this letter in writing within 30 days of receipt, as required by law, to confirm that the necessary corrections have been made. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XXXXXX/XX/year>
Product: Debt collection

I am writing to dispute certain negative items that appear on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. Under law 15USC 1681i ( a ) 1 15USC 1681 ( a ) 6 ( B ) 3 15USC 1681i ( a ) ( 5 ) B Upon reviewing my credit report, I have identified the following inaccurate negative entries 1 ) US BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate these items and remove them if they can not be verified as accurate as required by FCRA. Furthermore, recent legal actions involving XXXX raise significant concerns about the reporting practices that impact consumers ' credit scores.
Product: Debt collection

This debt appeared on my credit report. No information ha been received as for the debt, it was previously reported for XXXX with another collection and it was verified - is a nee company Franklin collection has not informed of debt on my credit.. no written documentation or bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$29.00} Date XX/XX/2018 acct endin XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes letters to all 3 bureaus XXXX XXXX and Equifax about incorrect and invalid information on my credit reports. They have failed to respond to me. I sent a demand to comply letter to all three in hopes of getting a response.
Product: Debt collection

I have been living in my residence for five years..I have explained to XXXX XXXX and Jefferson Capitol system that this is a fraudulent account
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX reviewed my credit report and found the following items STILL reporting in my report to be in error. I am a victim of identity theft and DID NOT authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months
Product: Checking or savings account

Our family has had several checking and savings accounts with TD Bank for many years. Suddenly on XX/XX/XXXX, two electronic transfers through XXXX ( for {$1000.00} in and {$1000.00} out ) occurred in our joint checking account. We had never authorized XXXX usage on our accounts, and TD never contacted us to verify if these XXXX transfers were authorized. On XX/XX/XXXX our son noticed that there had been 5 unauthorized XXXX transfers out of his account for a total of {$4800.00}. He immediately notified TD Bank and filed a fraud claim. TD did not advise our son to freeze or put a hold on his account to prevent further fraud. On XX/XX/XXXX XXXX contacted TD to report that another fraudulent transfer for {$170.00} had occurred in the joint checking account on XX/XX/XXXX and to reiterate that he had NEVER authorized any XXXX transfers at any time and that our accounts were being defrauded. XXXX submitted a fraud claim for the fraudulent {$170.00} transfer. TD advised XXXX to freeze all accounts ( including our son 's ) and to set up a new account with a new username and password. XXXX understood that this account would be secure and TD would prevent further XXXX transfers, as TD had been informed by both XXXX and our son of the fraudulent XXXX activity, and TD said they were investigating the fraudulent transfers. On XXXX, XXXX, XXXX, and XXXX four new fraudulent XXXX transfers totaling {$3900.00} were made from the new " secure '' account set up by TD. On XX/XX/XXXX, XXXX called TD and reported 3 of these fraudulent XXXX transfers out of the new account. He filed another fraud claim, and expressed deep frustration that TD was not able to stop these transfers immediately ( they had been notified of the fraud since XX/XX/XXXX ) and protect our funds. TD advised him to close the compromised account and set up ANOTHER new account, which would be totally locked down and to which he would have no access via Online Banking. XXXX set up the new account as advised by TD. On XX/XX/XXXX we went to the XXXX store and had diagnostics run on our XXXX laptop computers and phones. Two Malware threats were found on XXXX XXXX computer- Adware.XXXX. XXXX removed the Malware from XXXX XXXX computer. Also on XX/XX/XXXX, our son was informed by TD that his fraud claim was denied, in their words " because his dad 's email had been used to authorize XXXX ''. This is untrue- XXXX was NEVER contacted by TD to verify a single one of the 10 fraudulent XXXX transactions that occurred in our accounts ( 5 of which occurred after XX/XX/XXXX when TD was first informed of the fraudulent activity ). The real problem seems to be that TD 's security systems around XXXX electronic transfers are totally INADEQUATE to protect their customers. We have filed a police report with the XXXX NH Police Department ( # XXXX ), which we can make available upon request. We can also provide copies of the XXXX Malware report and bank statements showing evidence of all fraudulent transfers, if requested. We will attach a timeline showing the dates and amounts of the fraudulent transfers as well as the various dates when we reported the fraud to TD.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I can still see the Fraudulent account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX DC XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX have violated my consumer reports. 
They are reporting information such as student loans, closed accounts, and inquiries. 
The inquiries with Equifax are fraudulent. I have filed an FTC report and they have yet to handle the situation in a timely manner. 
" According to the Family Education Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). 
Any and all consent to XXXX, Equifax, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party- unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. 
Every company have to give a privacy notice before furnishing information to my consumer report. This was not given. Part 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and Scope ( 1 ) " Requires a financial institution to provide notice to customers about its privacy policies and practices. '' ( 3 ) " Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated thirsd parties by " opting out '' of that disclosure. '' XXXX, Equifax, and XXXX are not maintaining reasonable procedures. 

ACTS VIOLATED, 15 USC 1681 15 USC 6802 Family Education Rights and Privacy Act ( FERPA ) 15 USC 1681b 15 USC 1681e Privacy Act of 1974 ( % U.S. Code 552a ) Regulation P Part 12 CFR Part 1016
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received 7 auto loan inquires on my credit that I never authorized. I was NOT in the commission of looking for an auto loan at that time. 

I did apply at XXXX XXXX XXXX on the XXXX of XXXX and only gave permission to send the loan to 2 banks and was approved with XXXX. 

I only work with certain banks and would never approve of having my credit ran like this to unknown financial institutions. XXXX XXXX XXXX had zero permission to do this and I was never notified of this by them. Once I got notified by XXXX I quickly locked my account to stop any further inquires. I believe this was done deliberately to lower my credit score due to the deal they did on the XXXX being sent back by XXXX due to the heavy repairs needed on the car I was sold. 

these are the 7 banks/financial institutions that ran my credit without permission that need to be removed from my credit report. 

XXXX/VEROS CREDIT LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Debt collection

ALDOUS AND ASSOCIATES PLLC XXXX XXXX XXXX XXXX, UT XXXX 

HARASSMENT FOR OVER A YEAR WITH CALLS, FRAUDULENT LETTERS WITH FORGED AND INCORRECT INITIALS, BANKING INFORMATION, BIRTHDATE CLAIMING DEBT OWED BY A CLOSED GYM THAT PERSONALLY ANNOUNCED ENDING AND RIPPED CONTRACTS IN PERSON. HAS NOT RESPONDED TO EMAILS AND CONTACT NUMBER IS NON WORKING
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 called all three reporting agencies and they refused to remove
Product: Credit reporting or other personal consumer reports

This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 is violating my rights.It is reporting repeatedly charge off and that is manipulating the statue of limitations.According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.this account is violating my federally protected rights and I demand this account be deleted from my TransUnion and also { {$100000.00} } in damages for the pain and suffering and the credit violations.it has caused me lot of pain and suffering because I'm not able to get an auto loan.delete XXXX XXXX XXXX XXXX. 





I urgently need to extend credit to recover from this hardship, but I am unable to do so because of the inaccurate and misleading information TransUnion has reported regarding the XXXX XXXX XXXX XXXX account. These denials have caused substantial harm, both financially and emotionally, and are a direct consequence of XXXX XXXX XXXX XXXX failure to adhere to the legal standards set forth by the FCRA. I. Unauthorized Access and Permissible Purpose Violation TransUnion furnished my consumer report with XXXX XXXX XXXX XXXX tax write-off without my authorization. This action constitutes a clear violation of 15 U.S. Code 1681b, which mandates that a consumer report may only be shared with the consumer 's written consent. TransUnions unauthorized access to my report is a flagrant breach of my rights under the FCRA, and such conduct is intolerable. II. Inaccurate Reporting of XXXX XXXX XXXX XXXX Account The XXXX XXXX account listed on my report is inaccurately categorized as a charge-off. According to IRS guidelines, a debt in charge-off status is considered forgiven or discharged. Despite this, TransUnion has continued to report XXXX XXXX XXXX XXXX XXXX write-off as if it were still an active debt. This misinformation is a direct violation of 15 U.S. Code 1681e, which requires credit reporting agencies to follow procedures that ensure the maximum possible accuracy of the information they report.
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Debt collection

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Product: Mortgage

I have been trying to reach the lender so that I can ask for mortgage assistance. My counselor XXXX XXXX also reached out to them and submitted the loss mitigation packet. They have not returned, emailed or advised of anything.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I have an item on my Equifax report that is not mine. It is a debt from XXXX XXXX XXXX XXXX. This debt is not mine and needs to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

My son sent me {$40.00} dollars from his PayPal account to mine ( This is all relevant to my complaint so please bear with me. ) He immediately realized that he used the wrong card to send me the money. he use his credit card and intended to use his debit card. He contacted me and I initiated a refund. ( this all happened in less than 2 minutes. ) Here is the complaint number he filed against PayPal concerning this issue.XXXX-XXXX. Basically PayPal stole the {$40.00} from him and told him numerous lies to justify stealing it. He filed a dispute with his bank. He kept a verbatim copy of the conversations he had with PayPal, Concerning this {$40.00} refund using their messenger app. He included a copy of that conversation in with his dispute. After his bank read the conversations and saw all the lies PayPal told to him regarding the {$40.00} the bank refunded his money back to him. Yesterday day I log into my PayPal account and I have a message that I have a negative {$40.00} balance on my PayPal cash account. I contact PayPal using their messenger app and they tell me that since my sons bank found in his favor and returned the money PayPal stole from him that I owe PayPal {$40.00}. I refunded the {$40.00} immediately. PayPal even confirmed that I refunded the money ( see attachment PayPal refund XXXX ) and that the refund had completed. I did my part and refunded the money. What PayPal did with it after I refunded it is not my responsibility. PayPal went on record and stated that the refund from my PayPal account to my sons account was completed. Now PayPal is trying to steal {$40.00} from me. I in no way owe PayPal {$40.00}. PayPal stole the {$40.00} from my son and that was fraud. My sons bank ruled in my sons favor and returned the money PayPal stole from him back to his card. How am I responsible for PayPal stealing {$40.00} from my son and telling lies to justify stealing it.? I am uploading the original conversation my son had with Paypal using their messenger. ( See PayPal conversation ) read it yourself. They told numerous lies. Nothing PayPal says can be believed. I am also uploading my conversation with PayPal where they claim I owe them {$40.00}. ( See PayPal lies volume 2 )
Product: Credit reporting or other personal consumer reports

I received a letter from the Illinois Department of Revenue years ago telling me that my personal information name, birthdate, social security number and other sensitive information had been stolen in a data breach. A few months after receiving this letter I began receiving calls from creditors that I have never spoken to nor heard of. The creditors told me that I owe them money for credit accounts opened in my name. I viewed my credit report and there were several accounts there that I didnt recognize and I never opened myself. These accounts were opened by the unknown persons that stole my personal information in the data breach. Over quite some time I have contacted the creditors and informed them that this was an act of fraud and I don't know who did it because my information was stolen in a data breach. The creditors never really helped and they still are trying to collect on these debts due to identity theft. I have recently contacted the creditors again attempting to have them remove these fraudulent accounts. I have copies of the letters and certified mail receipts, I will attach them to this correspondence. I recently contacted Experian about these accounts they are reporting on my credit, and I let them know these accounts were fraudulent. They did not remove them. I believe this is a violation of my consumer rights and Im considering consulting with a consumer rights attorney and showing them my documentation. These accounts are the direct result of identity theft and need to be removed. XXXX {$5300.00} Date opened XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Original filing XXXX XXXX, XXXX Latest status XXXX  XXXX, XXXX Reference XXXX Record typeBankruptcy chapter XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Original XXXX dateNov XXXX, XXXX Latest status dateMay XXXX, XXXX Reference XXXX Record typeBankruptcy chapter XXXX