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

On XXXX XX/XX/2022, I submitted a written dispute to Transunion and XXXX informing them of incorrect information on my credit report that needed to be removed due to fraud and identity theft and I also provided them with the FTC filed identity report and legal paperwork. XXXX removed ALL incorrect disputed information while Transunion failed to remove the XXXX XXXX account. Transunion did remove XXXX XXXX  on XXXX XX/XX/2022 as it was unverified, but then later reinserted in back on my credit report on XXXX XXXX XXXX, 30 days after filed dispute which was pass the timeline required for companies to provide a response. Due to Transunion 's unlawful refusal to comply with the law, I am now having major issues securing financing for my startup business and placing me in a severe hardship with now having to pursue legal representation to fight these fraudulent insertions on my credit report. I am requesting that the CFPB mandate that Transunion credit bureau delete both the XXXX XXXX  account, as it was previously unverified and deleted but later reinserted and also delete the XXXX XXXX account immediately or else file suit based on violation of law.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and identified several inaccuracies and incomplete information reported by your company. This negligence is detrimental to my financial standing and creates a false impression during financial transactions.
Product: Credit reporting or other personal consumer reports

This is my 17th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I paid off the balance on my credit card on XX/XX/XXXX, it was posted to my account on XX/XX/XXXX. Barclay/Upromise then charged me a late fee on XX/XX/XXXX. But there wasn't a payment due that was late since the balance had been paid in XXXX. They charged another late fee on XX/XX/XXXX & XX/XX/XXXX. In XXXX, I received notification from XXXX that I had a negative mark on my credit. At this point, I realized Barclay 's error. I contacted them in XXXX and they assured me they would credit my account for the incorrect late fees. During these months, the credit card had not been used. I received a letter on XX/XX/XXXX from Barclay informing me the account had been closed due to non-payment. My credit limit with them was {$17000.00} and they closed the account for {$80.00} of erroneous late fees. On the XXXX statement, you can see where {$120.00} was credited to the account ; however, I did not make a payment. It seems they were reversing some of the late fees. From XXXX to XXXX, I did not receive a single phone call informing me of late fees or the threat of a closed account. When I spoke to the representative today, they mentioned there were no notes on my account showing attempts were made to reach me.
Product: Credit reporting or other personal consumer reports

I am formally disputing an inaccurately reported account on my credit file and demand the immediate investigation and deletion of all inaccurate, outdated or unverified accounts listed below under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

The following accounts that are in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite your use of automatic data furnishers, these consumers have not provided any of the following documentation. Simply parroting information from data furnishers without actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX Transunion XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX, XXXX, XXXX TRANS UNION XXXX XXXX, Defendant. 

In addition to these investigations there has not have not provided a financial contract between the company and myself, reflecting that the account report by Transunion is valid and that I have contractual obligation. Nothing in detail the charge off procedures as they apply under XXXX XXXX XXXX of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. TransUnion has failed to properly verify the account and instead relied on the e-OSCAR system, which does not constitute a reasonable reinvestigation as required by FCRA 15 U.S.C. 1681e ( b ).

Attached is my filed complaint with the FTC that has been submitted regarding TransUnions noncompliance. You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section XXXX11 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 

I am including a police report and identity theft report, along with copies of my drivers license and Social Security card. Despite clear documentation, TransUnion has failed to conduct a thorough investigation or provide legitimate verification, which is a direct violation of my rights under FCRA 1681i ( 5 ) ( A ). 

PLEASE BE ADVISED THAT THIS DISPUTE IS BEING INITIATED SOLELY BY ME, WITHOUT THE INVOLVEMENT OF ANY THIRD PARTY.
Product: Debt collection

I sent a debt validation letter to the company requesting validation and I received a statement of charges on XXXX XXXX. This company failed to validate my debt. Please delete this information from my credit file and cease all collection activities immediately
Product: Checking or savings account

Hi - I saw a {$95.00} fee was assessed on my XXXX XXXX account. When I called to inquire as to the reason, I was told that a banker changed my account type to a Platinum Checking, which I never asked to occur. While the phone representative refunded the {$95.00} fee, when I directed the account be restored to the prior account type, with a {$2000.00} minimum balance, I was told that he was unable to assist and I either needed to call the banker who made the account change without my consent or go in person to a branch to solve the issue. 

This resolution does not value my time, nor did Chase attempt to rectify their error, including the unauthorized change in the account type. As such the account still has not been restored to a Business Complete Checking Account. If I have to spend additional time on this, I would like to be compensated for fixing an issue that is entirely caused by Chase.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX XXXX and Wells Fargo pulled a hard inquiry on my credit report. I believe it was for a new credit card. I immediately called each bank and stopped the inquiry and reported it as fraud. 2 days later, XXXX called me and said someone tried opening an account under my name. I immediately said it wasnt me and told them to stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a call to equifax and  XXXX   In reg ards to an collection account from enhanced reporting corporation in the amount of {$360.00}. I received documention from the creditor that the account would be removed from my credit report and The credit reporting agencies were also provided with this document of removal from the creditor. I submitted this document to Equifax and  XXXX  they confirmed they received it but refused to remove it from my report ( this was on  XXXX   XXXX     2017  ).
Product: Credit card

XXXX DEAR CFO ( CAPITAL ONE ) YOU CLOSED MY ACCOUNT FOR NO REASON IVE SENT YOU 4 PAYMENTS TO OFFSET THAT BALANCE IVE REQUESTED COPIES OF MY ACCOUNTS FULL CLEAR COPIES WITH PROMISSORY NOTE INCLUDED YOU HAVE IGNORED MY REQUEST TO PROVIDE ME MY ACCOUNT INFORMATION FOR TAX PURPOSES 3rd TIME ASKING FOR MY OWN ACCOUNT INFORMATION YOU HAVE LOCKED ME OUT OF MY ACCOUNTS CLEARLY SOMETHING IS NOT RIGHT ( VIOLATION ) ( UCC 1026.11 Treatment of credit balances ; account termination ) MY REQUEST!

1. Validation of the debt ( the actual accounting ) ; ( ALL ACCOUNTS ) 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Georgia State Statues for Lawful Purposes.

3.A copy of the contract signed by both parties and therefore binding both parties.

4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account. 
I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed LIFE HAS BEEN COMPROMISED BUY THE UNFAIR PRACTICES YOUR COMPANY IS DOING CFO
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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, credit repair services, or other personal consumer reports

IN XX/XX/2013 MY HOME WENT INTO COOPERATIVE SHORT SALE AND I WAS RELOCATED BY BANK OF AMERICA.  THE PROPERTY WAS AT THAT TIME UNDER CONTRACT FOR SALE THEN BOA RECANTED THE OFFER AND EVENTUALLY FORCLOSED THE PROPERTY. THEY ARE STILL REPORTING THAT THE ACCOUNT IS OPEN AND MISSING CURRENT PAYMENTS WHEN THE HOME WAS FORCLOSED. REPORT SHOULD STATE CLOSED DUE TO FORECLOSURE. THEY WILL NOT CORRECT.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 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

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

REGIONAL ACCEPTANCE CORP is on my credit report as a negative and past due debt. This was charged off and is over 10 years and they are still showing as being late on my credit report.
Product: Debt collection

Jefferson Capital Systems Debt Collecting Agency is refusing to validate alleged debts that I owe and can not provide sufficient evidence to me that I owe the debt but keeps falsely reporting the debt as valid on my credit report. They call multiple times a day and when I demand validation they talk in circles around me. I disputed the debt at each credit bureaus and each dispute comes back verified. XXXX provides a copy of the investigation and they Jefferson Capital Systems provided fees to XXXX and nothing more as their way of validating the debt. This is not sufficient evidence and they have damaged my credit for a long time and I want this off my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I engaged with Rocket Mortgage for a home loan in which they suggested I work with their credit department to improve my credit score. I did engage with them and they told me to payoff two debts totaling {$6500.00}. They told me that they needed to wait 10 days before pulling my credit so that the new balance of my debt accounts reflected on my credit report. I was told that by doing this it would raise my credit score to over XXXX. However, after a few days I noticed that I was getting alerts for my credit being pulled from XXXX. I then got a call from my mortgage broker who told me that he was sorry but someone pulled my credit without my permission and that it lowered my score. By lowering my score he told me that I would need to come to the table with $ XXXX more money to close and now I will have a higher interest rate. In trying to resolve this with them I have gotten no where. They have not only made it so I have a lower credit score but that credit score being lowered also translates to everything that is attached to my credit. I will now have to pay more for insurance and if I were to try to get another home loan I cant because my score is too low at no fault of my own. I feel I was mislead by Rocket Mortgage and want them to pay to repair my credit and to pay me back the {$6500.00} I was told I had to pay off in which I didnt because it made no difference due to their faulty practices.
Product: Mortgage

My husband and I previously had a mortgage with Nations Direct Mortgage , LLC. On XX/XX/2022, the mortgage was paid in full. At closing, XX/XX/2022, our new address was provided for escrow refund and any other monies owed or correspondence that may need to be sent to us. 

As of the date of this complaint, XX/XX/2022, we have not received the escrow refund. We have called Nations Direct to follow up on the payment and have been told each time that a check was sent and they could not determine why it was not received. They verified they have the correct mailing address for our new residence, but still did not have an explanation for why we have yet to receive the check. 

During each call, even just to follow-up on the status, we were told they would have to cancel the check and issue a new one which could take 30-60 business days. It has now been more than 5 months since we closed on the house and the mortgage has been paid in full. 

We contacted Nations Direct again today, XX/XX/2022, and spoke to three people who all said the same thing - the check was sent, they aren't sure why it wasn't received, they will have to issue a new one, we will have to wait 30-60 business days. We were refused the opportunity to speak to anyone in leadership or someone who can actually provide a resolution and ensure we receive our payment, rather than give us the same scripted, useless response we receive every time we call. There is no proof they ever attempted to send a check nor will they provide documentation or proof that they sent a check. 

Nations Direct has far surpassed a timely escrow refund disbursement in accordance with federal regulations and they refuse to resolve the issue appropriately or provide money owed to us.
Product: Credit reporting or other personal consumer reports

Subject : Assistance Needed for Credit Report Errors and Data Breach Impacts Dear CFPB Team, I am writing to request your assistance regarding ongoing issues with my credit reports. Over the years, I have encountered significant inaccuracies, including outdated addresses, incorrect names, unauthorized inquiries, and unverified accounts. Despite multiple efforts to address these errors directly with the credit bureaus, they remain unresolved.

Additionally, repeated data breaches, including the recent XXXX incident, have worsened these challenges and compromised my financial security. These unresolved issues have caused harm, such as denial of credit opportunities, and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the FTC Act.

I respectfully request your intervention to ensure the credit bureaus investigate and correct these inaccuracies promptly. Enclosed, you will find relevant documentation supporting my claims.

Thank you for your attention to this matter. I look forward to your assistance in resolving these issues.

Sincerely, XXXX XXXX
Product: Debt collection

I have been discriminated against by third-party reporting agencies, which has led me to be unable to lease a home, purchase a vehicle, and not being able to get jobs since 2015 due to the negative reporting on my credit due to fraud and I have tried several times to get these negative items removed and they have not provided any original agreements signed by both parties but till continue to report negatively on the credit summary. there are also agencies that are reporting the same account as duplicates and the address and number are not correct along with the incorrect spelling of my name.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

School closed victim of predatory lending disputes through XXXX XXXX, student cu connect has discharged my loans but refused to erase credit lines on credit report.
Product: Credit reporting or other personal consumer reports

I have noticed a hard inquiry on my consumer report with the following information : XXXX Important dates Inquiry date XX/XX/XXXX. this is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681. This company does not have my express written consent to access my consumer report. I have called this company several times and they insist that I do not have an open account or any active applications. Credit inquiry must be pursuant to the last present FCRA. this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act I have noticed a hard inquiry on my consumer report with the following information : XXXXXXXX XXXX ( Finance ) XX/XX/XXXX, XXXX. this is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681. This company does not have my express written consent to access my consumer report. I have called this company several times and they insist that I do not have an open account or any active applications. Credit inquiry must be pursuant to the last present FCRA. this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act I have noticed a hard inquiry on my consumer report with the following information :. 
XXXX ( Bank ) XX/XX/XXXX this is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681. This company does not have my express written consent to access my consumer report. I have called this company several times and they insist that I do not have an open account or any active applications. Credit inquiry must be pursuant to the last present FCRA. this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

The Name and the address are incorrect I have called and to multiple representatives from The 3 credit bureau and they are not fixing it ExperienXXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX and XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Debt collection

I hope this letter finds you well. I am writing to address a concern regarding my credit report, specifically inaccurate late payments listed for the account with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX