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

I am writing to file a complaint against TransUnion for their repeated failure to uphold their legal responsibilities under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. Over the past year, I have disputed inaccurate and harmful information on my credit report through certified mail, providing evidence and documentation with every submission. Despite my efforts, TransUnion has failed to properly investigate my disputes or remove the false information from my report. 

Your recent lawsuit against XXXX gives me hope that accountability is finally coming to the credit reporting agencies, but I need the CFPB to understand that TransUnion has been just as negligent, if not worse, in their handling of my disputes. Like XXXX, TransUnion has relied on responses from furnishers without verifying their accuracy, refused to remove information that is blatantly incorrect, and ignored the evidence Ive repeatedly provided. These practices are not just unfairtheyre harmful, deceptive, and completely unlawful. 

This situation has caused me more stress than I can put into words. I have been denied credit, which has limited my ability to make important financial decisions for my family. Ive experienced embarrassment and frustration when applying for loans or opportunities, only to be turned away because of false information on my report. The emotional toll of fighting these companies, trying to correct their mistakes, and feeling powerless in the process is unbearable. 

To make matters worse, my personal information was involved in the XXXX data breach. Knowing that my private data has already been compromised makes TransUnions refusal to follow the law even more upsetting. I take the security and accuracy of my personal information very seriously, and I can not stand by while these companies treat it with such disregard. Ive attached a screenshot proving my involvement in the breach to show how important it is that my information is handled properly.

Im also including a copy of the letter I sent to TransUnion via certified mail, outlining my disputes in detail. Despite following all the proper procedures, my efforts have been ignored, leaving me feeling like there is no recourse. Its clear to me that TransUnion is more concerned with protecting the interests of the companies reporting to them than the consumers theyre supposed to serve. 

I urge the CFPB to investigate TransUnions practices just as you have done with XXXX. I believe you will find similar violations, including sham investigations and a complete failure to follow the procedures outlined in the FCRA. I can not continue to suffer because of their negligence, and I am prepared to take further action if necessary. 

Thank you for your time and for everything you are doing to hold these companies accountable. I hope you will give my case the attention it deserves, as I am just one of many people who have been harmed by these deceptive practices.
Product: Credit reporting or other personal consumer reports

MONTGOMERY W XX/XX/XXXX hard pull I've had an account open back in XXXX I believe there's no reason for me to get another hard pull for asking how to fix the account. So in XXXX instead of this company helping me they try to run my credit. I try to fix the account before XXXX but wasn't successful.
Product: Checking or savings account

On XX/XX/XXXX over {$3000.00} was taken from my square business banking account by way of ATM transactions. I noticed on the XXXX when I received a text saying a transaction was denied for insufficient funds. I knew I hadn't made a transaction and should have had plenty of money in the account. I immediately filled disputes with square. I was unsure how these ATM transactions could've happened because my card had been in my possession the whole time. I believe my card was skimmed at a gas pump. I filed police reports in my home state and also the city where the incidents occurred. I was told by the police in the city where they occurred that they don't investigate under {$20000.00}. I have called square multiple times, only to be told the disputes were closed, there are no supervisors you can speak to, they'll escalate my case and wait XXXX business days for a response. They continually email me that I need to take it up with the merchant. I have filed a dispute with thXXXX XXXX  and filed a fraud report. I do have receipts for some of the transactions because I have chosen to receive text receipts from XXXX ATMs. Unfortunately I didn't realize what they were until it was too late.
Product: Credit reporting or other personal consumer reports

Experian has reported an very old account that keeps appearing on my credit report XXXX XXXX XXXX XXXX in the amount of {$120.00} this company has failed in the past to verify this account and has been removed from my credit report multiple times.
Product: Debt collection

Dispute of Debt Collection Account, Reference XXXX ; XXXX I am writing to dispute the validity of the debt you claim I owe, which is referenced above. According to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692ce, I am requesting validation of this debt.

I dispute the following aspects of the debt : Accuracy of Information : I have no record of owing any debt to the creditor as stated in your collection notice. Therefore, I request detailed information about the origin and nature of this debt, including the original creditor 's name and contact information, the original account number, the dates of the alleged debt, and a breakdown of any fees or interest charges applied.

Verification of Debt : Under the FDCPA, I am entitled to verification of this debt. Please provide documentation that substantiates your claim, including copies of the original agreement with the creditor, any contracts or invoices, a complete payment history, and proof of ownership and legally allowed to collect on this debt in my state.

Cease Communication Request : As provided by 15 USC 1692ce, I am formally requesting that you cease all communication with me regarding this debt, except as allowed by law, until you have provided the requested validation. Further communication in violation of this provision will be considered harassment and a violation of federal law.

Failure to provide the requested validation within 30 days has resulted in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Florida Attorney General 's office.
Product: Debt collection

XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS XXXX CONSUMER ADJUSTMENT Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this  title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONSUMER ADJUSTMENT Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

The company lied about the terms of the HELOC. I have screenshots of them telling that as long as I returned the payment on the HELOC immediately I wouldnt pay any interest on it. Despite confirming this, I double checked during the closing process to make sure the terms were as they were had agreed. No one replied to my email asking to confirm the terms until the evening before the closing ( suspiciously close to closing date ). I then had to cancel the HELOC because I was leaving the country for a few weeks. Better.coms deceptive ways cost me thousands of dollars. I went through an entire application process, wasted time, resources, credit reports were pulled, just for them to change the rules of the agreement the night before closing. Then they have the effrontery to offer me a gift card. This Company needs to pay for what the have done and other consumers should be aware of the tactics that this company uses to get consumers to use their product.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding several inaccurate accounts that continue to appear on my credit report. Despite my earlier disputes, these accounts have not been corrected or removed and are unjustly affecting my creditworthiness. 

Despite submitting this comprehensive information, I have not seen any corrective action taken. These accounts continue to appear on my credit report, reflecting inaccurately and unfairly XXXX  my credit score.

Furthermore, it has come to my attention that despite my dispute, your bureau has failed to conduct a reasonable investigation into the matter, which is a clear violation of the FCRA. The FCRA mandates that credit bureaus must conduct a reasonable investigation into disputed items on a credit report. The lack of investigation not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.
Product: Credit card or prepaid card

XXXX -- tried to use credit card, charge would not go through, though it was within my credit limit and the card was not delinquent. 

XXXX -- PNC reduced my credit limit significantly. I want it raised back to what it was. My FICO score is good -- XXXX.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally request an update to my personal information on my credit file. The information currently listed is outdated or incorrect. Below are the details of the changes needed : Correct Name : XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Correct Phone Number : XXXX Please remove any outdated or inaccurate information, including : Names thats incorrect Addresses : wrong address below Phone Numbers : numbers below are also wrong To support my request, I have included the following documents : A copy of my government-issued ID showing my correct name. 
A recent utility bill A copy of my Social Security card for additional verification. 
Please update my records promptly and confirm once the changes have been made. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. I have already reported the information to the police but the credit bureaus are still reporting the information ; in violation of FCRA SS 605B of US Code. I have sent them the information, the police report. copies of, my identification and also utility bills. 

They have removed some of the fraudulent accounts but still several remain. 

This has been going on for over a year. It is causing me significant damages as I am unable to get a new job or apply for credit. They are violating the law and damaging my reputation. 

I have wasted dozens upon dozens of hours trying to get the situation rectified but it seems they only care about the money being paid to them by the creditors and not the law or my rights.
Product: Debt collection

Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy to 15 USC 1681 b 2. company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4
Product: Student loan

In XXXX I defaulted on my student loan due to financial difficulties. In XXXX of XXXX, my paycheck was garnisheed. I continued to have payment deducted from check consistenly until XX/XX/XXXX. During these 8 years, I contacted the representative from New York State Higher Education Services on many occasions to see how I could rectify my situation, he was always XXXX XXXX XXXX  and did not provide any assistance, his only response was always : " you will have to pay the balance of the loan in full '', I was not in a financial position to do so. In XXXX of XXXX I called him to let him know that I was changing employers and did not want to transition with a garnishment with my new employer. We made arrangements for me to send payments directly, I did so from XX/XX/XXXX- XX/XX/XXXX when the student loan moratorium was in effect. At no time was I told that my loan was in a default status for over 10 years. In XXXX I found out about the PSLF loan forgiveness program and submitted an application. It is at this time I was told that my loan was in default and would have to " consolidate '' to submit a PSLF application. I followed the instructions, consolidated and submitted the PSLF application. I received notification that my request was denied because they would not approve the payments made for over 10 years since the loan was in " default. '' I don't think it is fair to be penalized because the lender did not provide information or assist in having the loan reclassified since I made regular payment every month for over XXXX. This is not the way to treat people who are trying to do the right thing. I have filed a reconsideration that these payments be counted. I met all the other requirements for PSLF, working for a non-profit and currently for a public entity. I believe the NY State Higher Educsation Corp representitive 's name was " XXXX. '' I will turn XXXX in XXXX XXXX and plan on XXXX next year. I have paid back including very high collection cost which in total exceeded the amount borrowed! Please help! Thank you
Product: Bank account or service

I contacted Wells Fargo to request XXXX checks be stopped. I made XXXX phone calls to do so on XXXX ; the XXXX was directed to their " Premier '' group due to my account status. That person, XXXX, keep confusing the relevant information for my request ( check number, dates, etc ) while simultaneously emphasizing that if the information was n't exactly perfect, they would ignore my request and process the check. Since the check in question was {$6600.00}, this concerned me greatly. I called again, was somehow not routed to the XXXX and this time reached someone who so clearly was under pressure to reduce her call handle time that she was essentially useless. She seemed concerned only with getting me off the line and finally attempted to do so by telling me that I need to go to the nearest branch. She then attempted to terminate the call. Are n't financial institutions obligated to at least provide basic service such as the processing of stop-pay requests? As a " Premier '' member, a service that I pay for, I would expect better but I would still expect that at the most basic level, they 're legally obligated to provide far more than I received.
Product: Debt collection

PMR PROGRESSIVE is reporting an account on my credit that I do not own. This account from XXXX XXXX XXXX has NEVER been my account. I called them I was told because the account was " so old '' that they did not have any records of the account, yet they are currently reporting this account as an active collection.
Product: Vehicle loan or lease

In XX/XX/XXXX, I refinanced a loan with BECU from another local credit union for a vehicle I bought used in XX/XX/XXXX and purchased full insurance coverage for my vehicle through a national insurance carrier from XX/XX/XXXX - XX/XX/XXXX. 

On XX/XX/XXXX, I received a Final Notice from the bank to provide Proof of Insurance for my vehicle. BECU outsources this work to a company called " XXXX '' to verify Proof of Insurance or I would be charge an insurance premium of {$3800.00} if they do not receive proof of insurance by XX/XX/XXXX. 

On XX/XX/XXXX, I provided my proof of insurance through XXXXXXXX XXXX   website ( XXXX ). Though the Final Notice was missing a critical piece of information to provide my insurance cards. I did not have a reference number in my notice. 

I was able to submit my insurance cards through XXXX 's website and received email confirmation on XX/XX/XXXX that my insurance cards for coverage between XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX In addition to submitting information to myinsuranceinfo.com I also called into the BECU 's insurance center to ensure they will receive my proof of insurance. The Customer Service Agent was able to confirm with my Agent that I had insurance coverage between XX/XX/XXXX - XX/XX/XXXX. However, in XX/XX/XXXX I had also moved from XXXX State to XXXX so the BECU Customer Service Agent did not want to wait on the phone for my Florida Insurance Agent to confirm that I had proof of insurance from XX/XX/XXXX - XX/XX/XXXX. 

On XX/XX/XXXX, I received notification that my loan was charged {$3800.00} for insurance coverage. I called into BECU 's Insurance Center and they told me they were not able to help as they outsourced verification of insurance to XXXX. 

I called into XXXX 's customer service line and their Customer Service Agent told me they just processed my proof of insurance on XX/XX/XXXX. 15 days after I submitted proof of insurance. 

I do not think it is a coincidence that my proof of insurance was processed on the same day as my deadline to provide proof of insurance and I do believe there is foul play either or both at XXXX to collect insurance premiums or BECU to collect additional interest from the increase loan value.
Product: Credit reporting or other personal consumer reports

Despite numerous deletions addressing the improper use of my credit report through dispute resolutions and other measures spanning from XXXX to the present, the persisting issue raises concerns under 12 CFR 1022.3 Definitions, where " Identity theft '' is defined as a fraud committed or attempted using someone else 's identifying information without authority. Any addition to my report without written consent could be deemed a form of Identity theft. This not only poses a threat to my consumer identity but also detrimentally impacts my creditworthiness, causing adverse consequences that extend to various aspects of my life.

In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies must carry out their significant responsibilities with equity, impartiality, and a regard for the consumer 's privacy rights. The entities in question, namely XXXX, XXXX, and Experian, function as consumer reporting agencies, with me being the concerned Consumer. I hold the right to ensure the confidentiality of my personal information, as supported by 15 USC 6801, which articulates Congress 's stance on financial institutions ' obligation to uphold customer privacy.

Under 15 USC 1681 section 604 a section 2, it is specified that a consumer reporting agency may only furnish a consumer report based on the explicit written instructions of the related consumer. I wish to assert that neither the financial institution ( Furnisher of information to credit agencies ) nor the Consumer reporting agencies XXXX, XXXX, and Experian possess my consent for such information sharing, verbal, non-verbal, written, implied, or otherwise. All forms of consent to XXXX, XXXX, Experian, and ( Furnisher of information to credit agencies ) are hereby revoked. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed of the nondisclosure option. Regrettably, ( Furnisher of information to credit agencies ) failed to apprise me of my right to exercise this nondisclosure option. Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a report without the consumer 's permission. The inclusion of such adverse information without my consent violates the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, furnishing inaccurate information to a consumer reporting agency is strictly prohibited. Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies like XXXX, XXXX, and Experian to maintain reasonable procedures to avoid violations. It is evident that these agencies are not adhering to reasonable procedures. 

Finally, in accordance with 12 CFR 1016.7, I assert my right to opt out of your reporting services at any time.
Product: Credit reporting or other personal consumer reports

I had XXXX capital one cards that got closed in XXXX of 2022. 
They will not do a pay for delete. 
Can you please do a settlement so I can get these paid and closed so they will stop reporting negatively?