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

I noticed the fraudulent account and now im reported it to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporti ng agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital One Bank has not deposited my Direct Deposits into my account. Apparently there is a technical issue, but I did not hear that from Capital One, I XXXX the issue. I have payments not going through due to insufficient funds. My Mortgage, my car payment, my loans, my credit card payments. This is a huge issue and Capital One was not helpful at all. Worst customer service EVER!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have filed multiple complaints with Experian without any resolution. I also filed a complaint with the cfpb ( XXXX ) which did not provide any relief either. I received a response from Experian that was a bunch of canned responses put together ; none of which addressed my complaint. 

I can not access my credit file with Experian. It isn't available on the app or their website. It still shows the same message and has not been updated since XX/XX/year> ( almost a year ). 

If I access past disputes, I can get into my credit file that way ; however, I believe there are issues with some of my creditors in obtaining my credit file, as well. I applied ( again ) for a credit line increase and received a message stating that I have no credit file available for them to review. I have attached screenshots.
Product: Debt collection

XX/XX/2016 verizon sold me faulty phones and the service was not working we returned the items and proceeded to cancel and in doing so they had agreed to let us out of our contract but instead put us into collections illegally. They then sold that debt to jefferson capitol who reset the clock on the time the debt had been occurred forwarding the clock a whole year. Because we returned the product and canceled within the 30 day period we dont owe XXXX and they charged us a {$300.00} cancelation fee which is illegal breaking a contract, somehow XXXX is now {$600.00} not sure how thats possible but this fraud and anyways they could not fulfill the contract because they didnt service our area and the phones didnt work because they couldnt provide service when we put our sim card in it said no service. I do not owe any debt to jefferson capitol and they have refused to provide any information proving this debt is even valid, dates, amount ect even after sending them a request for validation. 
Regardless the statue of limitation is 4 years in florida to remain on a credit report which transunion and other credit reporting agencies are in violation of because they refuse to remove this zombie debt.
Product: Credit reporting 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. 

List of Unauthorized 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 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.
Product: Debt collection

I was sent a notice to pay a {$60.00} debt to XXXX after my insurance company paid the remainder for a XXXX that I received. I went to the company 's website and immediately paid the debt on XXXX XXXX, 2016. I then received XXXX notices from XXXX expecting me pay the debt that had already been paid. I called the XXXX and they stated to me that they had not inputted the payment correctly and that it was taken care of. I then received a notice from a collections company stating that I owed them {$60.00} plus various late fees. I then called the company, and they stated that I had no balance. On XXXX XXXX, 2016, I received a notice from Tri-state Adjustments that I now owe them XXXX for a debt that was paid in XXXX. I was told to email them the digital receipt that I received from XXXX. I have done so on 3 occasions, but they have claimed each time that either they did not receive the email, or it was blank. I called XXXX to see if they would be able to resolve the issue, and they said that they were unable to because the company that they work with had already sold the debt. This appears to have happened before I even received notice of the debt in the mail as I called the day that I received the notice.
Product: Mortgage

XXXX XXXX XXXX took out a reverse mortgage for me. Soon after, I started realizing something was wrong. I was paying property taxes and insurance on my house this entire time, since the end of XX/XX/XXXX/beginning of XXXX. I was then receiving notices of nonpayment from Champion Mortgage even though I have receipts of payment from the city. I sent in some handwritten complaint letters to Champion Mortgage, who had taken over my reverse mortgage, requesting information about transactions they had done. I also sent notarized letters to the CEO of Champion Mortgage. He stated, " I just bought this company. That 's neither here nor there. This is a new day and from now on everything will be in writing and I will furnish complete records on spreadsheets of the true and full accounting of what happened to your money ''. I failed to receive ANY of this information. All they did was send me a list of letters they had previously mailed me, which I still had at my home. I applied for help through the Step Forward Program in the State of Michigan with NO results. I also went through the legal motions when I learned about the right to recission. I sent in a notice to cancel ( mortgage XXXX on XXXX/XXXX/XXXX ), a XXXX notice to cancel ( reverse mortgage XXXX on XXXX/XXXX/XXXX ), an addendum to cancel, notice of removal of trustee, and a notice of revocation of power of attorney to CFO XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, Executive VP at Nation Star Mortgage LLC, and XXXX XXXX, CEO at Champion Mortgage. I retained notarized records of these notices. 
- There was a Sheriff 's deed on mortgage foreclosure XXXX XXXX, XXXX. On the Sheriff 's deed, the world 'exempt ' is written in the left margin for me to be notified of this. 
- Everything is notarized by a notary public/paralegal, and everything was certified by postal mailing. 
Now, they are trying to evict me from my house for the Sheriff 's sale on Tuesday, XXXX XXXX, XXXX at XXXX. Judicial district XXXX, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX. The case number is XXXX. I had sent in a notice prior to the Sheriff 's sale demanding the it not happen, but this notice was ignored. 
I did not receive payments on the reverse mortgage. I only received a small payment and no monthly payments therafter.
Product: Credit card or prepaid card

My credit card with XXXX federal stop me from making payment for return payments. I was a victim of fraud. XXXX was investigated I was unaware they stop all electronic transfers from my account ending in XXXX.my other account were fine. On XX/XX/XXXX - {$200.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$490.00} these were returned. But payment on XX/XX/XXXX {$340.00} was successful I contacted XXXX federal and conference call was made to verify funds. 
I made payment from my checking in account ending in XXXX. No payment was ever return from this account. Dates clear my bank for payment are XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX$ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX. $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX{$220.00}. I was ever a new account number for the account the was compromised ending in XXXX. I made a payment of {$200.00} that cleared my bank on XX/XX/XXXX. I made this payment to cover the XX/XX/XXXX payment that did n't go through. I only had 3 payment that have n't clear but due to issues not in my control. Now I have no other way to make payments. I 'm being penalize I had 11 good successive transfer to this credit card versus the 3 returned and 1 of those I made the next day to cover it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resubmitting this dispute. I am verifying that this is me who is disputing these fraudulent items. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I write them a letter but I never get any response back. I believed that the address on file is not correct. I disputed with TransUnion, they refused to remove the inquiry. 
The inquire name is XXXX and it was reported to my TransUnion report on XX/XX/2018.
Product: Checking or savings account

Bank of America A large financial institution is holding onto me funds and not releasing them. I have banked with them for 15 years, have XXXX XXXX XXXX with them. I do wires and work in banking, I have never experienced this and have no idea what to do. 

XX/XX/XXXX initiated wire XX/XX/XXXX cleared through red flag via fraud department XX/XX/XXXX bank canceled wire XX/XX/XXXX initiated wire in branch in perosn, wire approved XX/XX/XXXX wire didnt go out XX/XX/XXXX called in, was assured we were all set and no issues XX/XX/XXXX no wire sent XX/XX/XXXX called wire department, went through red flag process again. 
XX/XX/XXXX wire processing XX/XX/XXXX wire not sent, placed on hold again XX/XX/XXXX in branch location no help XX/XX/XXXX sitting in branch no one in wire department or bank can provide any resolution XX/XX/XXXX asked for money to be made available and distributed as cash since they cant wire XX/XX/XXXX bank is holding my money, wont wire it, wont give me cash, I am stuck and its unacceptable, my funds are sitting in my account are valid, and bank wont release them
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$430.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$940.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$810.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$150.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

You have successfully submitted your complaint! 
A message has been sent to you with instructions on how to track your complaint. 
ID FOR COMPLAINT SENT TO TRANSUNION LEGAL DEPARTMENT XXXX ID FOR COMPLAINT SENT TO XXXX XXXX DEPARTMENT XXXX Listed below are the Personal Information that are being challenged Incorrect DOB : - 1990 Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

I haven't had XXXX XXXX since XX/XX/2019. I moved to a new service provider XXXX XXXX XXXX XXXX ). XXXX XXXX XXXX paid off the balance due at XXXX as part of their promotion, so I am unaware of any unpaid bills. I haven't received any correspondence from XXXX XXXX regarding this. I am positive that this is not my account, as the telephone number I have was ported over from XXXX, and that can't happen if the bill is not paid. This is someone else 's account, which may be using my information, and for sure, I have NOT received any bills or mail from XXXX regarding this. Further, I haven't received any correspondence from Jefferson Capital Systems, who is acting as a debt collector after purchasing the debt from XXXX. I am surprised this is on my credit report.
Product: Credit card

I opened a new chase travel credit card for trip to XXXX. Booked hotel, airline and rental car through chase travel. Upon check out at hotel, amount charged from hotel noted to be less than what I was charged through chase travel. Unable to submit a complaint online with chase, so I called into their help line. When I explained that I was charged almost an additional {$200.00} for the hotel through chase, the response I received was that " They're a business, that's how they make money. They're like a middle man ''. I then explained to that this is not appropriately disclosed on chase travel. i was then transferred to an automated system on chase travel that was not helpful. They advertise on chase.com/travel " competitive rates- take advantage of competitive rates at thousands of hotels and resorts, with no booking fees ''
Product: Bank account or service

I opened a checking account with chase esponding to an ad that if you deposit a direct deposit into your account they would give you a XXXX dollars bonus. They closed my account after the direct dposit hit giving them a chance to securitize the deposit. Then they denied me my bonus after I met their requirement. I can understand their stipulation of taking the bonus back if I closed the account but not them.