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

I wrote a formal letter to TransUnion to dispute several inaccuracies on my credit report and demand immediate correction. My concerns include : XXXX : I disputed a late payment and referenced 15 U.S.C. 1681i, which requires credit reporting agencies to investigate and correct inaccurate information. I requested the late payment be updated to reflect paid as agreed, never late. 

XXXX : I requested validation of a debt under 15 U.S.C. 1692g ( Validation of debts ) and highlighted responsibilities under 15 U.S.C. 1681s-2. I demanded documentation proving the debt, including the original contract bearing my signature and any agreements authorizing the debt collector to act. If this validation isnt provided, I asked for the removal of the item, citing precedent in XXXX XXXX Trans Union XXXX for willful noncompliance. 

XXXX XXXX XXXX  : Similar to the ONEMAIN dispute, I requested proof of the alleged debt or deletion of the item under the same legal provisions and case law. 

Additionally, I disputed inaccuracies in my personal information, insisting they correct these errors under 15 U.S.C. 1681i.

In my letter, I emphasized TransUnions legal obligations, citing the Fair Credit Reporting Act ( FCRA ), which requires disputes to be investigated and resolved within 30 days. I also referenced court cases like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union XXXX to reinforce the importance of a thorough investigation beyond automated checks. 

Finally, I made it clear that failure to comply could result in liability under 15 U.S.C. 1681n and 1681o, which outline damages for willful or negligent noncompliance. I warned of escalating the matter to agencies like the CFPB or FTC or pursuing legal action if not resolved promptly.

Through this letter, I demanded an updated credit report reflecting all corrections and a detailed description of the investigation procedures, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).
Product: Credit reporting or other personal consumer reports

Experian is not allowing me too get my credit report saying the credit report lock due too other creditors having different information
Product: Credit card or prepaid card

As of XX/XX/2019 Bank of America has not sent me any information in the mail at replied to CFPB. I have requested that they validate the account and provide the contract where I opened an account with BofA requesting a credit card. I am a victim of identity theft and I have notified them and the CRA of this and they are to free me of any debt owed. 

The account must be closed, remove any unauthorized charges and take any steps to remove from my credit file. 

BofA reply to you was that they can't and DOES NOT know who is reporting the information so how are they verifying. I have attached a follow up letter to them and is demanding they remove this identity theft account from all 3 CRA 's
Product: Credit card

on XX/XX/XXXX a fraudulent charge from XXXXXXXX XXXX in the sum of XXXX was made, The card never left my possession, first week or so into XXXX I noticed and I closed my card and called American express. a couple weeks later I get a letter saying my card was used in the terminal via chip however its simply impossible because I had the card. American express stated that the actual card was used via chip but simply not true. my son works in XXXX XXXX and tells me that chip fraud is possible and its not impossible, I was told by American express that the only way to take information out of a card was via the magnetic strip but a simple google search and having a son who deals with these kinds of situations from time to time in a new form of fraud called shimming.
Product: Credit reporting or other personal consumer reports

The following are fraudulent inquires that need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XX/XX/2024 ). I am attaching a letter from all these creditors authorizing the removal of all these fraudulent credit inquires from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XXXX  thru Experian in XXXX & XXXX XXXXas 3 months was missing stating I did not pay the monthly amount on a modification I had started with XXXX  on XXXX XXXXwhich I PD on XXXX XXXXbut on Experian it states PD XXXX XXXX but references XXXX  and was for XXXX XXXX {$2100.00} 2nd mod PD end of XXXX XXXX {$2100.00} for XX/XX/XXXX last payment for Modification was XXXX XXXX for XXXX XXXX for {$2100.00} those were the 3 modification payments Start in XX/XX/XXXX, - XXXX XXXX disputed the dates & XX/XX/XXXX said no payment i am going to The XXXX XXXX XXXXXXXX tomorrow to get payments sent to XXXX  from XXXX XXXX, XXXX. Which will prove XXXX received the monthly payments. The Attorney Generals Office in XXXX reached XXXX & had my percentage rate reduced from 5.0 % to 3.375 % and my monthly payments were reduced to {$1900.00} per month. When I was emailed from Experian that my dispute was ready checked Experian put in No Payments for XXXX  which also Reduced my mortgage Fico Score for mortgage from a XXXX and put down to a XXXX for Mortgage this should be made right I paid as I was suppose to in XXXX  after Fraud/Identity Theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : I1 also states e consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681C. ( ) ( 5 ) Section States : no consumer reporting agency may make e consumer report containing any of the following items of information Any other adv Item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
Inquires : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account : Account Number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXX/XX/2023 was open fraudulently. Needs removed immediately
Product: Vehicle loan or lease

On XX/XX/2021 I was denied for an extension of credit and discriminated against by Global LendiXXXX services. I received no benefit from this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I had an Amex Platinum card. The account was cancelled by the issuer however they still charged me the {$450.00} annual fee. They have attempted on multiple occasions to make me pay it, and now have made a derogatory comment on my credit report
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : Previous Address ( es ) : XXXX XXXX XXXXXX/XX/XXXXXXXX, AZ XXXX XX/XX/year> Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a veteran and currently have a VA loan with Homepoint Financial. On or about XX/XX/2019, I attempted to make a mortgage payment in the amount of {$2600.00}, using their website. My payment came back as returned. I was immediately notified on XX/XX/2019. 
As a result, I made another payment in the same amount on XX/XX/2019, in efforts to avoid any " 30 Day '' lates on my credit report. My payment was successful and posted on XX/XX/2019. 
I sent several emails to Homepoint Financial explaining the problem but they have ignored me thus far. Additionally, all three credit reporting agencies are now reporting that I was " 30 Days '' late for the month of XX/XX/2019, when my payment for XX/XX/XXXX has a 14 day grace period ( it has only been 9 days ), before considered two weeks  late. 

I have called several times and spoke to atleast two reps asking them to remove the negative remarks from my credit report. Thus far they have ignored my request. 

Notice from all of my attachments I made my mortgage payment on XX/XX/2019. Also look at page 3 of 4 POPA Bank statement in the amount of {$2600.00}, my payment cleared.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX XXXX XXXX, 06 XXXX, DEPT OF ED/XXXX, DPT EDXXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX, MEDICAL, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX
Product: Student loan

Wells Fargo sent me a letter stating that they had miscalculated my student loan payment by using a loan end date that was earlier than it should have been. They " assured '' me that the error was corrected and that my monthly payment was reduced, but they provided me with zero details relating to any of this. They did not tell me how long the payments had been miscalculated for, how much I overpaid, or what my new payment would be. More importantly, they recalculated my payments based on the corrected loan end date, but did so based on the existing balance. This recalculated balance should have been calculated based on the current balance MINUS my overpayment. As we know, payments in excess of your minimum monthly payment reduce your principle dollar for dollar, and this should have been factored into my new payment ... but it was n't. For example, if I should have been paying {$50.00} a month but i was paying {$100.00} a month due to the miscalculated payments, then my principle should have been decreasing by {$50.00} per month for the duration of the miscalculated payment. I am appalled that a financial services organization could either over look this, or try to put it past me. If this is not going to be taken into account, then I would expect this money to be credited to me, plus the average interest rate for that time period, as I could and should have been able to invest that money that I did not NEED to pay that entire time. I need to understand why this was n't done and have the appropriate adjustments made  ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, I asked on multiple occasions that XXXX and XXXX AND TransUnion provide ALL THREE of the following : 1. The description of the procedure used to determine the accuracy and completeness of the information. 
2. Name, address, and telephone number of each person contacted regarding this alleged account. 
3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them XXXX XXXX XXXX XXXX ) the exact amount claimed. 

Unfortunately, they never provided me with this information that I requested, specifically asking HOW they validated this debt. Instead, they keep adding this account to my credit report preventing me from improving my credit report among other financial obligations that I have and am trying to obtain. 

The dates that I sent letters regarding this instance are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are claiming I owe XXXX and XXXX {$170.00} and reporting on my account, " meets FCRA requirements. '' No, it does not. It can't meet FCRA requirements if you can't validate the debt and show proof. 

If I am not mistaking, the FCRA requires that ALL data reported on a consumer must meet 3 very specific criteria : it must be 100 % accurate, 100 % verifiable and 100 % timely. Since they failed to provide me the information I requested, this is not 100 % verifiable and my credit report and character is being played with.
Product: Debt collection

This debt is over seven years old. I have talked to them and asked them to remove it. They informed me that while they could not sue me after two years for the debt, they could report it for as long as they wanted. I went on line and verified that this was untrue. I then pointed this out to them, and they told me that it had been sold to them and that the debt date had started over. Many years ago when I bought this TV from Cons, I bought a warranty that covered physical as well as technical damage. When the TV sustained physical damage, they would not honor the warranty yet wanted me to still pay for the TV. The tricked me many times into making a payment, promising me to have the TV repaired. After I would make the payment I would not hear from them until it was time to make another payment. This went on for sometime, until I got tired of going around in circles. I also found out that I was not the only one dealing with this sort of thing from Cons. There is a blog on line in-regards to customers going through the same thing. If you ask them to let you listen to past conversation, which they claim to have recorded, yet can never remember the promises they made to me, it will backup my complaint. Thank you for any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had I XXXX late payments on an account that I was never late for. These credit reporting agencies have assumed a vital role with and have a responsibility to report accurate and factual information. I have never been late on payments to XXXX XXXX with account number XXXX. Please provide me with proof, with statements showing that I waste paying this account late. Im not asking you to send me back information saying that the account is verfied. Verification is simply saying that I have the account with this company, that's obvious. I need written proof showing that I was late on my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING IN REGARDS TO THE ERRONIOUS/INACCURATE DATE BEING FURNISHED ON MY CONSUMER REPORT AS ACCURATE WHICH IS A VIOLATION OF THE FCRA ITS BEEN 30 DAYS AND I HAVENT RECIEVED A REBUTTLE FROM THE CRA PERIOD THIS NEEDS TO BE CORRECTED ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed many items on my credit report with all three credit bureaus and Transunion is not taking my disputes or providing me any evidence of the accounts that I so call owe on. XXXX removed all accounts that I disputed with them, but Transunion keeps removing and putting back on the same accounts. I sent in police reports of dates when I had personal information stolen from my vehicle. I have disputed the same accounts with them three different times.
Product: Credit reporting or other personal consumer reports

I recently found out that Im a victim of identity theft, and reviewed a copy of my credit report. I found an account and numerous inquiries on my credit report that were not open by me.

The credit bureaus is neglecting my consumer rights and the ECOA. This breach exposed my personal information and led to numerous fraudulent accounts and inquiries being added. Under 15 U.S. Code 1681c2, the credit bureaus is legally required to block all fraudulent information within 4 business days of receiving my identity theft documentation.

Please remove the fraudulent accounts and inquiries from my credit report as soon as possible. 

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

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. 
I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.
Product: Credit reporting or other personal consumer reports

*as per the guidance from the Consumer Financial Protection Bureau ( CFPB ) The document needed in a letter from an advocacy group helping me due Human XXXX XXXX bondage, Which Falls on the XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -1002.142 ( b ) ( 7 ). I kindly request that you 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 human trafficking of Debt Bondage And would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts. XXXX XXXX {$310.00} XXXX {$570.00} XXXX XXXX {$500.00} XXXX {$580.00} XXXX XXXX XXXX XXXX {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXXXXXX Acccount name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount name : 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: Credit card or prepaid card

On XX/XX/XXXX, I made a payment to a Merchant using the Skrill Portal. For some reason the payment timed out from the merchants behalf but was instantly taken out through Skrill. 

Its been well over 10 business days and Skrill keeps giving me the run around for a reversal refund. I also spoke to a couple managers and nobody has any resolution for this matter and to make matters worse the managers informed me that they are not allowed to give me any insight during this process. 

Thats when I decided to take matters in my own hands. I dont feel safe using this institution anymore because I dont feel safe with my funds as a consumer. Please assist me with this matter and I highly appreciate CFPB and thank god for such an organization. 

Thanks in advance, XXXX XXXX
Product: Debt collection

They continue to place this account in collection from 20 years ago by marking it a current debt. It was disputed and removed 20 years ago and not they are trying to resurrect the same debt 20 years later. Debt is way older than 7 years. They are violating the law and should be fined.