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

On XX/XX/2022 I sent a dispute letter to Transunion. The tracking number is XXXX. The letter was to dispute a closed credit card account on my consumer report. 

Account Name & Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX I received a letter back from Transunion that was sent on XXXX that the account was updated and verified. 

Transuion violates 15 U.S. Code 1681i ( a ) ( 2 ) ( a ) ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Transunion did not notify me at my mailing address provided in my dispute letter that an investigation was taking place Transuion violates 15 U.S. Code 1681i ( a ) ( 5 ) ( a ) ( 5 ) ( A ) In general If, 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 The disputed account reporting on my consumer report is neither accurate nor complete. For example, the late payment dates ( inaccurate ), credit limit ( inaccurate ), Date paid ( inaccurate ), etc. 

Transuion also did not do a complete investigation outlined by the law according to FCRA 15 USC 1681a ( e ) Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information Transunion very clearly violated my federally protected consumer right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached to XXXX  via letter to advise of these inaccuracies reporting on my credit report and asked for proof and validation of the items in which XXXX  failed to provide me with the proper documentation. I sent that same letter to XXXX and in which they werent able to provide proof which caused them to remove these items from my credit report. This negative thing is causing such great stress in my life which is causing me to not be able to move forward in my career and purchase new things such as home because of these inaccuracies. I am demanding for these items to be removed immediately otherwise I will seek legal action against the reporting agency, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a lot of inaccurate information on my credit report a few months ago, so I created have been sending the three credit bureaus to dispute letters explaining to them that I was part of the XXXX data breach, and I have a lot of fraudulent information accounts on my credit report. TransUnion, XXXX, and XXXX have been causing me much trouble and I HAVEN'T RECEIVED A RESPONSE on why they are reporting the fraudulent accounts. Can I please get help with this issue? I sent another letter to them on XXXX/2021and they have ignored it completely. I know they got the dispute because I sent it certified. This has been causing me so much stress and headaches, I have tried everything to get them to remove these accounts and I need your help. I want these accounts removed immediately.
Product: Bank account or service

I am in currently going thru divorce proceedings and living at a new address, a change of address was filed with the US Postal service as well as the company,. A retroactive check was sent to me by my company but they sent it to the wrong address. My estranged wife received the check which was made out to me, signed HER name and deposited it into her account ( at XXXX Bank ), which is NOT a joint account. When question why, i was informed that its their policey to accept and process third party checks as long as no complaints were put in, as long as it was under a certain value. I went back to my company and filed a fraud complaint. They in turn filed a fraud complaint with their banking institute ( Bank of America ) and the claim was denied be cause the claim I benifited from her cashing of this check. I am still trying to speak with the analysis who determined that I benifited from her fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Addresses : XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX : XXXX XX/XX/2020 XXXX, 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 XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXXXXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting companies below and the Credit Bureaus since XX/XX/XXXX due to errant notation in the form of HARD INQUIRIES in my credit reports. The Bureaus have not responded to any of my letters and keep telling me over the phone that they cant open a dispute for me. The below merchants just send letters asking me to provide my social security and to sign letters for them which I wont do. According to the Fair Credit Reporting Act, before releasing a consumer 's credit report, clear permissible purpose is needed and I have not provided that since I have NEVER requested credit for the below companies : I request that the Bureaus rescind the errand notation immediately as it is hurting my credit. 

On EQUIFAX : 1-XXXX XXXX/XXXX on XX/XX/XXXX 2-XXXX XXXX on XX/XX/XXXX 3-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX/XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX on XX/XX/XXXX 6-XXXX XXXX on XX/XX/XXXX 7-XXXX XXXX  on XX/XX/XXXX 8-XXXX  XXXX XXXX on XX/XX/XXXX 9-XXXX XXXX XXXX on XX/XX/XXXX 10-XXXX XXXX  XXXX XXXX on XX/XX/XXXX On XXXX : 1-XXXX XXXX   XXXX on XX/XX/XXXX and XX/XX/XXXX 2-XXXX on XX/XX/XXXX 3-XXXX/XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX XXXX on XX/XX/XXXX two times & XX/XX/XXXX two times as well 5- XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 6-XXXX/XXXX/XXXX on XX/XX/XXXX 7-XXXX XXXX  on XX/XX/XXXX 8-XXXXXXXX XXXX on XX/XX/XXXX 9-XXXX XXXX/XXXX on XX/XX/XXXX 10-XXXX/XXXX on XX/XX/XXXX On XXXX : 1-XXXX/AXXXX XXXX XXXX on XX/XX/XXXX 2-XXXX XXXX XXXX   on XX/XX/XXXX three times! & XX/XX/XXXX 3-XXXX/XXXX on XX/XX/XXXX 4-XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX/XXXX  on XX/XX/XXXX 6-XXXX XXXX XXXX  on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 8-XXXX on XX/XX/XXXX 9- XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX The only merchants that have answer just keep requesting further personal info, but cant provide me with further info as to who gave them permission to perform a Hard Pull on my credit without me providing permission to do so or without me even applying for their services. 

PLEASE HELP!
Product: Mortgage

mid america debited my account although recurring payments got cancelled due to the fact that I paid 10 mortgage payments in advance. 
XX/XX/XXXX the money was debited after several phone calls and hours of waiting on the phone they assured me on XX/XX/XXXX that the money will be wired back. 
Today is XX/XX/XXXX and I still don't have the money. 
amount we are talking about is {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency EQUIFAX INFORMATION SERVICES , LLC has been informed of several UNAUTHORIZED INQUIRIES currently being furnished on the consumer credit report belonging to the consumer XXXX XXXX and has failed to remove or block these unauthorized inquires as required by Federal Law pursuant to the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ]. The term Identity Theft is defined under 12 CFR 1022.3 ( h ) as a fraud committed or attempted using the identifying information of another person without authority. The consumer has identified the unauthorized inquiries provided herein have resulted from Identity Theft and unauthorized use of the consumers personal identifying information and has given notice that these unauthorized inquiries have not resulted from any authorized consumer credit transaction. The credit reporting agency EQUIFAX INFORMATION SERVICES, LLC is in violation of the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ] for failure to block from reporting the unauthorized inquiries no later than 4 business days after receipt and delivery of the notice delivered on Sunday XX/XX/2022 at XXXX sent by way of USPS Priority Express Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is hereby required by Federal Law that this agency immediately remove or block from reporting the following unauthorized inquiries : UNAUTHORIZED INQUIRIES TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I wish to be added to the wells Fargo settlement I banked with wells Fargo from XXXX to XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX D.O.B XX/XX/year> : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Consumer 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. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of accounts in question the aforementioned accounts, appearing on my consumer credit report were not opened, made, or initiated by me. 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 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 All of these are a result of fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortionXXXX 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 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: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : $ {$54000.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

Settlement date XX/XX/2020 agreed FHA Payment XXXX After about 4 months living at my home. 
Now company EPM is saying I owe escrow XXXX All of my payments have been on time. 
A XXXX City Tax issue/ closing issue EPM over paid Taxes and wants me to pay it back in my Escrow I have been going back an forth with EPM for the past 8 months and Im not getting any where. I am a single mother with XXXX children and I should not be obligated to pay any kind of money back for someone elses mistake. XXXX City Tax Authority needs to reimburse EPM their money. I need help this has become very stressful. I would like to try to resolve before hiring a real estate attorney. 
If someone can please help me, I would really appreciate it. 
Thank you!
Product: Debt collection

I spoke with XXXX XXXX, representative from National Credit Systems on XXXX XXXX. I contacted this person with given number XXXXXXXX XXXX XXXXXXXX. I requested a copy of signed lease with original creditor XXXX XXXX XXXX  with my actual signature. The information that was given to me from original creditor XXXX XXXX XXXX, signatures on document are all identical signed by each person listed, including landlord. I never signed an agreement with the original creditor, signature listed is not my signature.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against cash app due to in adequate customer service Is an unfair practices Which violate the consumer Financial protection act. Specifically cash app failed to take timely Measures to prevent and protect fraud on their Platform leaving My account vulnerable for fraud.
Product: Mortgage

I was over 90 days behind on my mortgage payments to Wells Fargo when the issue occurred. I received a letter from them stating that they had information that my property may be vacant which may effect my insurance. On the morning of XXXX XXXX, 2016 I called them and explained the home is a rental and was rented as of last month and is not vacant. I asked if they needed a copy of the lease as proof and they said no, they would update their file. That evening I received an irate call from my tenant stating someone came to the house with an order saying the house has been foreclosed, they needed to vacate, and they were there to change the locks and winterize the home. The people had my name and papers the tenant described as an order. I called Wells Fargo and asked why they are sending someone to my house when I just confirmed with them the home is occupied. They said it was a home preservation service. I explained my tenant is now under the belief my home has been foreclosed on now and they must vacate. If they leave I will not be able to make payments and I will lose the house. I complained to Wells Fargo and spoke to someone in the office of the president. They said I would be contacted in 48 hours about my complaint. As of today no one has contacted me. 

I feel Wells Fargo sending someone to my house to tell my tenants the home had been foreclosed on and they had to leave is an unfair and unethical business practice.
Product: Credit reporting or other personal consumer reports

Complaint ID : XXXX Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report. Leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed account, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent in a dispute letter to remove inaccurate information from my credit file. I have tried calling Experian and was informed that my dispute letters has not been received. This is the XXXX month in a row that Experian has failed to investigate my dispute letters. I have a bankruptcy being reported that is inaccurate and not properly verified. I have contacted the court and they advised me that, they do NOT furnish bankruptcy information to any of the credit bureaus. I was also advised that only the last XXXX of my XXXX is provided to public record databases. So I am confused, as to how this information was verified as accurate and was placed on my credit report. I have asked Experian on several different occasions how and through what source was this information verified, so that I may contact the source to correct the inaccuracies. I have yet to receive a response from Experian and this is a clear violation of my consumer rights.