23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Transunion upholds its obligations under the law. 

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

One main financial sent a loan check in my name to an address I dont live at. A person with the same name as me does live at that address. That person cashed the check. I have reported to the credit bureaus and to Onemain that this is not me. I submitted a letter to Onemain at one of their offices with my signature on it for a comparison to the check endorsement. I have spoken to Onemain since then and was assured this would be taken care of.
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS AND INQUIRIES PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear TransUnion Dispute Department , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Inquiries to Be Removed : XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect TransUnion to take immediate action to rectify the harm caused by this breach. 
I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect TransUnion to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC
Product: Checking or savings account

Bank of America has been sending me another persons banking information for years. I reached out to BOA via email and called their fraud department several times. When I was not successful at ending the emails, I contacted Gov Fraud, but I still receive this woman 's banking. This year I reached out on XXXX  ( direct message ) and the person wanted my personal information to open a ticket, but I refused to give them any more information about me ( they have my name and email address. ). That person responded via direct message and said that they do not have my email in their system. I cut and pasted two of the email 's header content, and he responded " not to email or send via social  media this information. '' I'm at my wits end with it. XXXX XXXX is the name on the account and my email address is : XXXX. I'm suspicious of BOA 's intentions as I can't fathom why they wouldn't be more cautious on giving a random person access to one of their customer 's accounts. 

I do not know anyone by the name of XXXX XXXX and I don't have any bank of america accounts of my own. No Credit Cards or Banking Accounts.
Product: Student loan

In 2019 I was contacted by Federal Loan Servicing and told I qualified for student loan forgiveness. I went through their application process under the impression I would have majority of my loans forgiven. It was a scam. They charged me {$8000.00} and set me up on a payment plan I can't afford. I didn't realize this practice was illegal when it happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items on my credit report with credit bureau , bureau refused to reinvestigate any of the items stating they had previously investigated the items my problem is I asked for proof of investigation which I didnt receive and I contact each creditor to be told they had not been contacted by Experian I want proof of any information Experian has on file in regards to these accounts Accounts in questions are XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX   # XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX  # XXXX Names on file that I have NEVER used please remove XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX I always sign and apply in my full legal name of XXXX XXXX XXXX Inquired on file that are unauthorized and should be removed XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  / XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XXXX XXXX 2021 at XXXXXXXX XXXX I paid XXXX XXXX {$150.00} on account ending in XXXX. Direct Express has no record of me paying this bill. I have a confirmation number from XXXX XXXX -- XXXX. A confirmation number means Payment Confirmation means a transaction document that can be part of a receipt, which shows a payment was issued or proof, evidence, approval.
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 168b permissible purposes of consumer reports. 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. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name XXXX XXXX XXXX  Account Number XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a bad car loan at the age of XXXX to for above 21 % on a vehicle that was at the time 6 years old. My monthly payments were {$300.00} per month for the vehicle. I made payments on time for several years until I fell on hard times. The car was eventually repossessed in the year of 2013. The information on the credit report does not reflect what I actually paid on time for several years.
Product: Debt collection

Credit management company claims on XX/XX/year> I visited XXXX XXXX XXXX XXXX located in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have reason to believe this is a fraudulent collection because I never visited any physician on XX/XX/XXXX, XXXX Credit Management company claims I owe XXXX. Please review this case and thank you for your careful investigation to the important matter.
Product: Student loan

Once in XXXX and twice in XXXX of 2019 I asked my loan servicer, XXXX on behalf of Citizens Bank, for a copy of my original promissory note. My loan payments have gone up twice, and I believed that I signed up for a fixed rate loan for 15 years, as opposed to a variable interest or graduated. I am simply asking for proof of my requirements to make these higher payments.
Product: Mortgage

I need help!! I fell behind 3 years ago after I lost my job due to my XXXX so I was without any income for a few months which is why I fell behind on my loan. Once I got approved for XXXX income, I did not make as much as I did working a wage earning job. I applied and was approved for a loan modification but with the income I made from my XXXX, I quickly fell behind again because the loan modification caused the payments to increase. After falling behind for a second time, I could not afford to catch up with the payments again. I have now been working for the past 4 months to get the Selene finance to approve a short sale and they have repeatedly rescheduled the auction date regardless of my efforts to get this settled. I have submitted ALL financial forms requested of me, a short sale application, as well as a solid offer from a buyer, the buyer 's documents, buyer 's driver license, EVERYTHING. Anything they've asked for I've sent in to them expeditiously and they are outright refusing to work with me, which I don't understand since they've sent countless packets of paperwork advising me to apply for this process. I deserve the courtesy of having them allow me to go through this process so long as I meet their requirements, which I have, but they are XXXX bent on trying to foreclose on me. I need someone to help me get through to this mortgage company so that I can move forward with a short sale. I've done everything I could to get this settled and I don't know where to turn anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please remove it to my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two outstanding collection accounts with Portfolio Recovery Associates. I was sued two times in small claims court by PRA, both cases were dismissed by the courts. Portfolio Recovery Associates continues to report the collection accounts to the credit bureaus and refuses to remove the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Consumer Financial Protection Bureau, CFPB, AND 3 Credit Bureaus ( XXXX, XXXX, and Equifax ) : I HAVE CONTACTED XXXX XXXX SEVERAL TIMES OVER THE PHONE TO NO AVAIL, AND THE 3 CREDIT BUREAUS. MAKE THE CORRECTIONS OR YOU WILL NOT RECEIVE XX/XX/2019 NOR XX/XX/2019 Payment. I have included WOES for you to execute. Sincerely and Respectfully, XXXX XXXX MD Phone : XXXX Email : XXXX XXXX
Product: Vehicle loan or lease

My XXXX XXXX XXXX suffered catastrophic engine failure in XX/XX/XXXX. I need a copy of my loan satisfaction letter from Kia Finance XXXX so that I can clear the title and sell the car to a company that made me an offer for it. Over the past month, I have made numerous calls to Kia Finance and was promised that they would send me a copy of my loan satisfaction letter, however, at this writing, I have not received it. I tried e-mail also and received no response. I also tried to get our Kia dealer to help to no avail. I would like a copy of my loan satisfaction or an explanation as to why I can not get one. I am emclosing a copy of the title with the lien attached and the vin number. Thank you in advance for your help in this matter
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been sending letters to Portfolio Recovery to validate an alleged debt and requested that they remove it from my credit reports, however, they sent me a generic letter showing a bill. As we know, that is not a debt validation. On XX/XX/XXXX, I sent another certified letter to PRA requesting specific documents to validate the alleged debt, however, they sent me a letter dated XX/XX/XXXX stating that they will not conduct another investigation after they completely ignored the one sent XX/XX/XXXX. On XX/XX/XXXX at XXXX, I received a call from XXXX XXXX XXXX XXXX, and spoke to agent XXXX XXXX XXXX XXXX who informed me that my letter dated XX/XX/XXXX was denied ; which makes no sense, and practically harrassed me, I never once stated/confirmed who I was, and he started talking about this alleged debt. 
I have been requesting debt validation, they have not been able to provide that to me, and they have not removed the account from my credit report like I have asked. They continue to stall me and report this allegation on my credit report.
Product: Debt collection

First of all this debt is 12 years oldI am expressing now for the third time an extreme need to have these numerous accounts that I have no knowledge of to be removed immediately under section 605B because it is hindering from acquiring my home for me n my XXXX XXXX. I am a XXXX XXXX XXXX XXXX XXXX  who has not been shopping anywhere since my XXXX XXXX XXXX XXXX in XXXX XXXX and XX/XX/XXXX resulting in my XXXX XXXX in XXXX of XXXX I was home and had no further need to shop at any of these places and someone used my personal information knowing I was home in bed and would not become aware until it is too late and now no lender will approve me and my XXXX XXXX for a home. please rectify this matter I implore you to please help my small family acquire this much needed home. 
Case # XXXX is the case number for all complaints entered on XXXX XXXX complaint was phoned in for the third time it is in the system at both XXXX and XXXX along with fraud alerts I unfroze my credit so that a lender can reapprove me for a house for my son and I and I was denied due to a terrible credit report that was not my doing and I proactively tried to rectify and none of the credit bureaus lifted a finger to fix or clear any discrepancies on my report and I even paid a credit repair company to send 20 dispute letters last year ( XXXX XXXX ) and nothing was fixed at all and I lost my opportunity last year to purchase a house if I lose this chance again I will be on the street and I will go to the XXXX because I am not being heard n XXXX XXXX this is abuse on the physically developmentally challenged and I will not let this hinder my sons quality of life again.
Product: Vehicle loan or lease

After I filed for XXXX XXXX XXXX XXXX a reaffirmation loan with Ally. They have yet to add it to my credit report one and a half later and arent reporting the on time payments Ive made on it. I need this loan to be reported as im trying to trade in car or refinance the loan. All I want is for them to report it to the credit bureaus, especially since i signed the reaffirmation loan agreement option. Somethings been off with the numbers as well so I want someone to take a look at it but cant since its not on my credit report. Please, please just report it to the bereus.
Product: Checking or savings account

US Bank is " in the process '' of closing a newly opened checking account. I have a {$4700.00} balance deposited directly into my account, which is on hold to be refunded. The bank is unable to provide an update on the return. Cash was deposited from my employer into this account, and I can not pay living expenses without my cash deposit.
Product: Mortgage

On XX/XX/2021, I initiated a loan application with the Navy Federal Credit Union ( NFCU ). I have been a member with them for over 15 years and previously had a mortgage with them. I have never had a delinquent payment or problem with my checking accounts ( personal and business ). I was also on a joint account with my husband who recently passed away. There was never a delinquent or returned check with his accounts. 

I am XXXX XXXX XXXX, financially solid, and the Navy Federal Credit Union validated that my scores from all three bureaus is over XXXX. My application to the Navy Federal Credit Union is for a home in another state for {$340000.00}. I have over {$300000.00} in savings and investments. Additionally, my monthly income from my husbands retirement, social security, and my work is over {$4000.00} monthly. I can easily afford this new property and in fact, just received a contract on my current home valued at {$650000.00}. The equity in that purchase is over 50 % and this move is not for financial movements -- I feel the need to be closer to friends. NFCU knew from the beginning my projected closing date was XXXX XXXX. They have painfully drug out the process and constantly ask me for additional information, which I complied. The next stall tactic was underwriting was back up but would get to my application. In the interim, I put my house on the market and received a contract on XXXX XXXX with a closing date of XXXX XXXX. 

Today I received a call from the contact person stating that underwriting wants me to close on the other loan before they with approve mine! I am flabbergasted! The people selling the house to me are moving into a larger property and need an XXXX XXXX closing, which has always been the case. They actually asked me to have the people just extending the offer on my home to move up the date! Are they crazy -- these people have had less than a week to get their financial process in order, but they want them to flip on a dime to make them more comfortable with my loan! BTW, my loan terms are not that great at 4 %, but I believed I could get to closing faster than refinance later if I desired. 

I can not see any reason why I am being treated this shabbily and shamefully. I have an income stream, I have savings and investments, I will have additional funds when my house goes to closing. So far I have not been given any excuse as to why they will not approve my loan so I believe that is is my age and maybe gender. Financially, I believe my portfolio puts me at a higher level than most, yet they will have created a circumstance they know can not be met by the people with the contract extended on my home. And, they are jeopardizing the people with the house that I want to purchase due to their discrimination toward me.