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

Subject : Urgent Request for Action Against TransUnion for FCRA Violations and Improper XXXX Reporting Dear CFPB, I am writing to request urgent assistance with a matter concerning TransUnions repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ). I have disputed an incorrect XXXX record on my credit report three times, and TransUnion has consistently failed to conduct a proper investigation. Instead, they appear to be reusing the same results from previous disputes without investigating my claim as required by law. 

Here is a brief summary of the timeline : - XXXX XXXX I submitted my initial dispute regarding the incorrect XXXX information. TransUnion claimed to have investigated the matter, but the record remained unchanged. 
- XXXX : I disputed the same item again. On XXXX, I received an email from TransUnion stating that they investigated the record and found no changes. The investigation was completed in less than 12 hours, which strongly suggests they reused the same results from the previous dispute without performing a legitimate investigation. 
- XX/XX/scrub>XXXX  : I filed a third dispute. By XX/XX/scrub>XXXX  I received an emailsent at XXXX XXXXstating that the public record remained unchanged. Once again, no proper investigation was conducted. 

This bankruptcy record does not belong to me, and despite my repeated disputes, TransUnion has failed to take the necessary steps to verify and correct this inaccurate information. 

Under the FCRA, TransUnion is required to conduct a reasonable investigation when a consumer disputes information on their credit report ( 15 U.S.C. 1681i ). TransUnions practice of using previous investigation results without properly reviewing my claim constitutes a violation of the law. Additionally, under the FCRA, they are obligated to notify the source of the information and review all relevant evidence I have provided, which they have not done in my case. 

I have also requested in writing that they provide the method and procedures they used to investigate my dispute, but they have failed to respond appropriately. 

I am seeking your assistance in holding TransUnion accountable for their ongoing violations and ensuring that this incorrect public record is removed from my report. If no action is taken, I am prepared to pursue legal remedies to protect my rights and rectify this situation. 

Thank you for your time and attention to this matter. I look forward to your support in resolving this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/17 3 transactions posted to my account : {$80.00}, {$27.00} and {$5.00}. My balance at the time was {$41.00}. Chase, in bad faith, processed the transactions from largest to smallest, triggering 3 NSF fees. I had enough funds to cover two transactions, but Chase, in an effort to illegally generate more fees, processed the transaction in a way that created more NSF. I had to miss school and ended going to the doctor due to XXXX  XXXX after spending over two hours on the phone with them trying to fix this issues.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX submitted my credit card account as delinquent. I don't dispute that there was a balance. The balance was less than {$5.00}. when I made a payment at the point of purchase terminal I was not able to access my account balance resulting in the underpayment. 

On XX/XX/year> Experian dropped my credit score XXXX points. I submitted a dispute to Experian asking that my payment history be taken into account and requesting that the delinquent account status be removed. Experian has settle my dispute by declining to drop the delinquent account status. 

On XX/XX/year> I contacted XXXX XXXX customer service via the number printed on the credit card. The gentleman that I talked with said that they submit a report to Experian every 30 days and that the next report will have the delinquent status removed. He said that I would receive a letter confirming our conversation via regular mail.
Product: Vehicle loan or lease

Capital One Auto Finance. Account was opened XX/XX/XXXX. Paid off XX/XX/XXXX. They sent a Letter Offering a settlement The balance was {$15000.00}. I paid them the settlement amount of {$6000.00} dollars to account number ending XXXX and they sent me a Letter proof of paying off the car as well as received the Titled. 

The Letter states Upon payment of the Settlement amount noted above, Capital One Auto Finance will consider your account as settled for less than Full balance. You will not be responsible for paying the remaining amount on your account. This was never reported a problem to my credit Report until I bought my First home XX/XX/XXXX. I never had a issue with Credit. The Car was paid off and now it says account open/closed 180 days past due, I owe {$14000.00} and that is Fraudulent. Upon Paying off my Car I have been working hard to keep my Credit Good Retirement will be soon. I just bought Home with a 98 % payment history. Please can you Help me get this off my Credit and return my XXXX points Points back up. 

Thanking you in Advance, XXXX XXXX
Product: Mortgage

Wells Fargo handled the escrow account on my mortgage loan and they consistently showed me having an escrow shortage, which I believe to have been incorrect. When I contacted Wells Fargo, they always said that the amount was correct and I had no recourse or at least I was unaware of recourse. Since I sold my home in XX/XX/XXXX I have learned that Well Fargo engaged in practices that were financially harmful to its customers. I believe I could have been negatively impacted by Well Fargo estimation of my escrow account steaming for many years. I originally purchased my home in XX/XX/XXXX and sold it XX/XX/XXXX. How can I see if I can be compensated?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report currently shows a collection account from XXXX in the amount of {$3400.00}. The account was disputed and deleted as result of the dispute. The account was added back to all 3 credit reports on or around XX/XX/2017 and the credit bureau failed to notify me within the 5 business days following the unverified account being reinserted as they are supposed to as instructed by the Fair Credit Reporting Act section 611. I have referenced the law as it pertains to matters of this kind below.

FCRA Section 611 ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
Product: Vehicle loan or lease

Several times I paid extra and not put towing principles along with late fees and extended warranty
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 right to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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: Vehicle loan or lease

I, XXXX XXXX, entered into a consumer credit transaction with TD Auto Finance on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. The finance charge is not to include cash, but I was required to pay a down payment of {$2000.00}. The finance charge is also supposed to include auto insurance, but I was made to purchase insurance separately. The contract provided to me by TD Auto Finance did not disclose the right to rescind, nor did they provide appropriate forms to allow me to exercise my right to rescind. This is a violation of my rights per the Truth in Lending Act 15 USC 1635 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information of the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries I am disputing : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Mortgage

A few months ago In XXXX I think I received a letter from New Res that made me believe New Res was going to force me to buy a high priced Hazard insurance, so I sent them proof of Insurance from XXXX.they sent me letter telling our mistake about hazard insurance, but my escrow was short about XXXX XXXX dollars, so my mortgage was still going up XXXX XXXX a month.New Res has the worst reviews I've ever seen but what got me was their web sight will not let me sign in it claims my SS # is invalid.I will try to send attachments later.My new payments I believe are way out of line I also resent New Penn selling my mortgage when paid all mortgage notes on time sold to a collection agency of things.I agreed to the payment of XXXX by raising payments by XXXX dollars.Really hurts any kind of budget I might have had, When I had XXXX my escrow payments never went up, and my local taxes have not changed.I hope the dates are on the attachments. I feel like they ( New Res ) are trying to force me into a situation where I can be foreclosed on
Product: Checking or savings account

Wednesday XX/XX/scrub> 2024, chime fininicial institution was authorized from my account with the amount of {$15.00} to pay XXXX XXXX XXXX XXXX. The amount was taken from the account. A week 's time goes past still no result into my XXXX XXXX account, I called XXXX ny they see on their end the transaction was supposedly expired and was advised to contact my bank. I did so chime is arguing with me and actively hanging up the phone with me and keeping indicating it was refunded back into my account im offering proof of bank statements through phone screenshots with dates and transactions they're refusing to allow me to do so and one representative did advise where to send it but she kept giving attitude refused to send me to the fraud department to do deeper investigation, then she gang up on me. I have active record on numerous occasions where I cant recall date wise but this is truthfully unprofessional and isn't fair us citizens work hard and definitely should never go through this issue with anyone and its not the {$15.00} that im upset about because that can be easily replaced what im upset about is that this a consistent thing with this bank and its not fair that I keep losing money and it somehow metaphorically disappears into an abyss off unknown. If they say it was returned XX/XX/scrub> 2024 my proof says otherwise. They're obvisouly have to be involved with some sort of embezzlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Citibank to remove delinquent from my credit report based on the following issues that resulted in the delay of balance payment in my XXXX charge account : 1. Citibank sent the Bill of Statements to an invalid email account. 
2. Citibank failed to pursue other method to deliver the Bill of Statement.

3. Citibank sent a notification letter via United States Postal Service in an untimely manner. 

Citibank received automated email message and was informed that email message, Bill of Statement, was returned undeliverable. This is the content of a letter dated XX/XX/XXXX that I received from Citibank. Citibank failed to pursue other method to deliver the Bill of Statement as soon as Non-Delivery Report email message was received. Citibank allowed two billing cycles to lapse before a notice to account holder was initiated and sent as shown in the letter of notification with a date XX/XX/XXXX. Interest charges and late fees were incurred as a result. 

My payment history with Citibank N.A. and to any other credit card issued bank or financial institution have been spotless up until this incident. I would extremely appreciate if Citibank reconsiders and honor this request to remove the delinquent from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquiries on my credit report. I am a victim of identity theft, and I have been in the past. I did n't give any consent to open any new inquiries. Immediately remove these inquiries off of my credit file within 5 days please. I have took the necessay step sending you several certified letters through the mail and I have n't gotten a response from any companies in a total of 90 days. No account or inquiry can be verified without any documents. According to the FCRA, by law unverifiable signatures or unverifiable documents ca n't be verified verbally. 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 1.  XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX *
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ComplainXXXX Department Complaint : Inaccurate Credit Reporting and Debt Collection Practices Date : XX/XX/XXXX I am submitting this complaint against Credit Acceptance Corp for their violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Account Information : Account Number : XXXX Company : Credit Acceptance Corp Violations : - Inaccurate credit reporting : The company has reported an account as being late over 120 days, despite being paid in full. 
- Failure to investigate disputes : Despite XXXX previous disputes, the company has failed to investigate and correct the inaccurate information. 
- Debt collection practices : The company has attempted to collect a debt that has already been paid in full. 

I have requested that the company : - Delete the inaccurate information from my credit report - Provide a corrected credit profile to all creditors who have received a copy within the last 6 months - Provide the name, address, and telephone number of each credit grantor or subscriber - Describe the procedure used to determine the accuracy and completeness of the information However, they have failed to respond or take any action to resolve this matter. 

I believe that Credit Acceptance Corp 's actions are in violation of the FCRA and FDCPA, and request that the CFPB take appropriate action to hold them accountable. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/XXXX SS # : XXXX
Product: Money transfer, virtual currency, or money service

Cash app decided to close my account because they said I committed a violation of their terms. This was about XXXX  years ago. Mind you, I was constantly having my account hacked and money taken from my account, prior to them closing my anccount. After complaining about that numerous times and getting no response, I stopped using the service. When they saw I wasnt using the service on a regular basis as I was, they closed my account and told me i violated rheir terms. They refused to tell me what term I violated. There was several XXXX dollars, approximately XXXX XXXX in the account that also disappeared. Upon several attempts to rectify the problem, I gave up because it was constantly running into dead ends and repeating myself over and over only for them to stop responding to my complaints. Now I cant access anything to do with the account in question. There was lengthy chat conversations initiated about the issue, that are not accessible anymore.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Inquiries : XXXX XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I have an address and incorrect social reporting under my account. Address XXXX XXXX XXXX XXXX  XXXX in which I've never lived are reporting accounts such as XXXX XXXX and Caine & Weiner in which I've never authorized. Also XXXX is reporting under my credit report as a different social that is not mine. This is causing me much grief as I'm trying to build my credit. 

These inquires were unauthorized and I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On or about XXXX XXXX of XXXX, There were several unauthorized charges made to my account. ( See attachments below ). Upon realizing that I did not have my card in my possession, and after I logged in to view my account, I noticed there were charges totaling XXXX XXXX which is OVER my credit limit! 
The item is in dispute because these unauthorized charges on or about XXXX of XXXX were unauthorized. I reported this claim to XXXX as soon as I was made aware of these charges on or about XXXX of XXXX, when I logged into my account and finally noticed these charges. 
XXXX 's investigation alleges the claim was denied because I " made payments for the months of XXXX and XXXX of XXXX '' and that I " took long to report the claim. '' However, the payments that were made in XXXX of XXXX were from AUTOPAY. I did not CONCIOUSLY make these payments. I reported this claim as SOON as I found out my card was lost/stolen, which was the same day I reported the claim .I did not " wait '' to report it. 
XXXX now claims that I need to file a police report and a frivolous " Identity Theft Affidavit '' In order to have these charges removed. However, the local police department advised me it is too late to file a police report since the date of this first incident was over 1 year ago. Furthermore, XXXX twisted my words and now wants to fill out, under duress, the " Identity Theft Affidavit, '' through the pretense that I " never applied for a credit card through XXXX and. '' However, in direct contradiction to this, I never stated that " I did not apply for this XXXX credit card account. '' I specifically stated that this credit card was LOST and NOT in my possession between the months of XX/XX/year> XX/XX/year>. 
Therefore, I am not liable for the charges from XXXX XXXX XXXX and hence disputing these charges. 

Lastly, The unauthorized & fraudulent auto-debit payments and fees from XXXX to this account has ultimately led to the checking account being closed. 
Many others in my similar situation have also been victims of fraud by XXXX, which resulted in XXXX having to return more than XXXX XXXX consumers that were harmed by XXXX in recent years. ( See attached ). 

XXXX has financially abused my account and has not been fair. I properly reported this claim as soon as it came to my knowledge that my card was lost/stolen.