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

I am filing this complaint against TransUnion regarding the inaccurate and unverifiable reporting of XXXX dismissed XXXX XXXX bankruptcy entries on my credit report. I sent a formal dispute letter to TransUnion on XX/XX/XXXX, via certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), requesting verification details for the reported bankruptcy entries. However, TransUnion has failed to provide adequate information on how these items were verified, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my XXXX consumer report ( Consumer Number : XXXX, Case Number : XXXX ) dated XX/XX/XXXX, I found that the information TransUnion reported regarding the XXXX dismissed XXXX  XXXX bankruptcies is not reflected in my XXXX report. The XXXX report includes : Reference Numbers : XXXX and XXXX Filing Dates TransUnion Reported : XX/XX/XXXX and XX/XX/XXXX Court Name TransUnion Reported : U.S. Bankruptcy Court None of this information appears on my XXXX report, which raises serious concerns about the accuracy and verification of the reporting on my TransUnion credit file. 

XXXX my XX/XX/XXXX, letter to TransUnion, I requested the following information to understand how these bankruptcy entries were verified : XXXXertifying Entity : The name of the company or entity that certified the accuracy of these bankruptcy entries.

Verification Documentation : Copies of the documents or evidence used during the verification process. 
Certifying Entity Contact : Contact information of the certifying entity, including address and phone number. 
This information is essential for me to understand the basis on which TransUnion claims these bankruptcy entries are accurate, given the discrepancies with XXXX records. 
TransUnions failure to provide the requested verification details and to confirm the accuracy of these bankruptcy entries appears to violate my rights under the FCRA, which guarantees consumers the right to an accurate and fair credit report. By not supplying this information, TransUnion has deprived me of my right to a reasonable investigation and a transparent understanding of the data on my credit report.
Product: Credit reporting or other personal consumer reports

I disputed many accounts that were removed with XXXX XXXX XXXX and public law 73-10 when a payment was made by way of promissory Note also known as the contract which is financed by the finance charge and my balance on my account was issued credits in exchange for the goods or services which means debt is the U.S Treasury bureau of public debts responsibility
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. It has over 30 days since the initial dispute submitted. Credit reporting failed to comply with Fair Credit Reporting Act. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Credit reporting failed to provide documentation used to verify the dispute. Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 
regarding procedures and results of investigation states if requested by the consumer, 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 availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as XXXX XXXX XXXX XXXX XXXX I request that the following inaccurate items be immediately investigated. They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within thirty days.
Product: Credit card or prepaid card

XXXX  paypaland paypalcreditareall  diffetent. Now during this covid 19virus XXXX  is doing things like closing a claim then if not making money they charge you rigjt away. I am talking qbout prople that are XXXX and XXXX loves it because with being able to talk to paypal before desicions are mafe they just puro charges at you and lie. They use their power to just charge whatever happens. Ihave 2 cases and 1was closed and i have the emails dhowing itgor XXXXdollars thrn yhesecond is for XXXX dollars that the mail was returned t a pffice building. They want there money and told me the post ofgice gcoud handle it. How opposto office going yo hanfle ypur jobs and thry dont respond. XXXX andbpsypal need to be dhut down begore they ruin there businesd.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Checking or savings account

Wells Fargo did not honor {$250.00} account opening bonus on their  Everyday Checking product. After being assured I qualified, I was given final denial  over 2 months after meeting qualifications. On  XXXX   XXXX  was assured by rep of Wells Fargo issue would be resolved withi n one bu siness day. Today, the  XXXX  of  XXXX , was denied and told I was not part of their targeted group. You 'd think Wells Fargo of all banks would be eager to rebuild trust!
Product: Mortgage

Carrington Mortgages is unfairly rolling adjusted Escrow outstanding balances into your loans without giving Mortgage Owners an opportunity to pay off the outstanding balances. 
At the end of XX/XX/XXXX my mortgage payment was {$880.00}, My mortgage payment for XX/XX/XXXX was {$910.00}. When I contacted Carrington Mortgages, they informed me that my escrow account was delinquent by {$290.00}, They also advised that they sent out a notification, which I did not receive. I have loans with two other banking institutions and I received their XX/XX/XXXX escrow summary report. XXXX Mortgage contend that I did not receive the escrow summary because I opted for electronic notification and correspondence. Carrington did allow me to pay the escrow balance in full. If I did not contact the bank, the {$290.00} would have cost me {$390.00} for this year and {$3900.00} for the remaining life of my mortgage. I do not understand why banks are allowed to practice this type of fraudulent activities without getting into trouble. This is the second time that Carrington Mortgages has done this to me, Can they be investigated for this unfair practice,
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail dated XX/XX/22 While checking the above report, it came to my notice that your Company has furnished an account on my report. 


In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation Sincerely XXXX XXXX XXXX ALL RIGHTS RESERVED WITHOUT PREJUDICE
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This sue aligns with the recent CFPB findings jainst Navy Federal for similar practices, here transactions settled with insufficient ilances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I recieved a notification from XXXX about a change to my credit score. WhenI checked i noticed a collections for a company or loan i have no knowledge of. I disputed the entry with XXXX. they are upholding the entry on my creidt file with the folling statement MRS BPO LLC Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I dont know who this company is or what the debt is for
Product: Credit reporting or other personal consumer reports

Heres a revised letter demanding the immediate deletion of the XXXX XXXX account due to the inconsistencies identified, with an assertive tone and references to the Fair Credit Reporting Act ( FCRA ) : Subject : **Demand for Immediate Deletion of Inaccurate Credit Reporting for XXXX CREDIT ( Account # : XXXX ) ** To Whom It May Concern, I am writing to demand the immediate deletion of my credit account with XXXX CREDIT ( Account # : XXXX ) from my credit reports maintained by Experian , TransUnion , and Equifax . The inaccuracies present in these reports constitute a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under 602, 606, and 611, which require that credit reporting agencies maintain accurate information and correct errors in a timely manner.

# # # Inconsistencies Identified : 1. **Account Status** : - TransUnion and Experian indicate the account status as **Indeterminate**, while Equifax reports it as **Charged Off**. This conflicting information is unacceptable and violates FCRA 607, which mandates maximum accuracy in reporting.

2. **Payment Status** : - TransUnion and Experian show a payment status of **Charge-Off**, while the dates and last payment information are inconsistent. The discrepancies in reporting violate FCRA 607, which requires that all reported information be accurate.

3. **Balance Reporting** : - The balance is reported as ** $ 0.00** across the agencies, which contradicts the payment history and status. This inconsistency undermines the integrity of my credit report and is a violation of the FCRA 's requirement for accuracy.

Furthermore, I am aware of the recent data breach affecting these credit reporting agencies, which has compromised sensitive consumer information. Under U.S. Code 1030, organizations are required to implement adequate measures to protect consumer data. This breach raises significant concerns regarding the integrity of the information being reported, and it further emphasizes the need for immediate action. 

Given these violations, I demand the immediate removal of the XXXX CREDIT account from my credit report. Failure to rectify these issues within the legally mandated time frame will compel me to pursue further legal actions, including seeking damages for the harm caused by these inaccuracies. 

Please acknowledge receipt of this complaint and inform me of any actions taken to rectify these serious issues. Thank you for your immediate attention to this matter.
Product: Student loan

I started repaying my student loans to XXXX in XXXX of XXXX. I then consolidated my loans in XXXX of XXXX, which were transferred to Mohela. XXXX continued to automatically charge me for my loans into XXXX of XXXX before I was able to stop those payments. When I was able to speak with someone at XXXX about where the money went after my loans were no longer with them, I was told that all of the payments that I had made since XXXX of XXXX to XXXX were misallocated to another barrower. They would not tell me who the other barrower was and tried to blame me for allowing it to happen. Now, I have NEVER offered to pay for someone else 's loans, the only automatic payment I had set up were for my own loans. This was a mistake on XXXX end, and they would not own up to it. In XXXX of XXXX, I spoke with XXXX and requested that all of the misallocated funds be transferred to Mohela, my new loan servicer. They completed the request and told me it would take 60 business days for the funds to reflect on my account. It has been over 75 business days and the funds are still not reflected on my student loan account with Mohela. I spent over a week and over 20 hours on hold with Mohela to try and speak with someone who could help me. I was finally able to connect with someone on XX/XX/XXXX after being on hold for almost 7 straight hours. The person that I spoke to ultimately told me that they have no idea where the funds that were transferred from XXXX are and thus there needs to be an investigation. 
This is wholly unacceptable. First my money was given to someone else through no fault of my own, and now they can't even find the money that was transferred to them on my behalf. Due to the payments going to another barrower, this calls into question the credibility of my consolidation as well.
Product: Credit card

My Wells Fargo credit card was stolen and I got an unauthorized charge on XX/XX/year> for {$1300.00} at the XXXX store in XXXX XXXX. I filed a claim with Wells Fargo and the fraud team suggested me to file a police report so they can obtain the camera footage at the store. I did what they request and Wells Fargo rejected my claim stating that they received a confirmation text to authorize the charge on XX/XX/year> while I did not receive any text message nor email. I also did not confirm to authorize the transaction. I tried to find a different way to prove that I was not indeed authorize the charge and Wells Fargo keeps rejecting my case with the same letter indicating that I authorized the charge. I mentioned with Wells Fargo that they requested me to obtain the police report so they can obtain the camera footage but they told me they doesn't have the authority to do that. Wells Fargo suggested me to do it instead which was impossible because store doesn't release security footage for regular citizen. The request has to come from the credit card or police. Wells Fargo misguided me during the claim process by saying that if I reported the case to the police and obtain the case number, they can help me with the claim. It was totally false, they did not help me with the claim and keep sending me the same letter with the same information. Also during the fraud claim process, the interest keeps accumulated and they mentioned that it would be waived but I don't see Wells Fargo waive the interest charge along with late fees.
Product: Credit reporting or other personal consumer reports

XXXX was sent a notarized Affidavit of Fraud via registered mail without response. Then a notarized Notice of Default was sent certified mail after the non-response. I have both signed green cards as proof of delivery. 

The details XXXX is stating are missing are in fact all outlined in both legal documents : Regarding the response asserting that I did not provide sufficient identification in connection with the signed and notarized affidavit previously submitted : Firstly, I would like to emphasize that tLexisNexis was sent an affidavit which is a legally binding document, duly notarized, which signifies that my identity was verified at the time of signing. The notary public who executed the notarization confirmed my identity and the authenticity of the signature, providing an additional layer of validation that far exceeds the requirement of mere identification. The assertion that identification was not provided is not only inaccurate but also disregards the legal weight of the notarized affidavit. This document serves as irrefutable evidence of my acknowledgment and agreement regarding the matter at hand. As such, it should be regarded as sufficient for any legal or procedural purposes associated with this debt collection process. The last 4 numbers of my social are included on the document, along with an address, and all creditors in question information. Due to the non-responsiveness of XXXX, a notice a Default was sent with all the same legal requirements- notarized signature, address, last 4 of the social, and account information. Should you continue to allow this claim to be closed and allow XXXX to assert that further identification is required, I will file a lawsuit against XXXX and CFPB as a conspirator in fraud. Failure to comply will result in legal action being taken against both parties, which includes pursuing damages, seeking injunctions, and filing a lawsuit to enforce compliance with the law Please consider this correspondence a formal request for resolution of this matter without further delay. I expect to conclude this issue promptly and to be treated with the respect and legality that the notarized affidavit warrants. I look forward to your swift response to this matter.
Product: Credit reporting or other personal consumer reports

Loan paid off XX/XX/XXXX XX/XX/XXXX received payoff letter Disputed with credit service loan still not showing paid off XX/XX/XXXX information sent to Equifax still showed a balance. Dispute denied Company reporting incorrect information Attached payoff letter and dispute results
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CAP ONE Account Number : XXXX This is not mine 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXate of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 
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