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

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies inn my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1981I, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPD-0002 ) against them for similar actions. I request that the CFPB take action to ensure Transunion complies with the federal law and provides consumers with the necessary proof of investigation. 



These are the accounts that I have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was using XXXX crypto exchange to buy crypto currency. I deposited money in my crypto XXXX account. But yesterday i made a withdrawal request of XXXX $ ( XXXX GBP ). it was supposed to get withdrawn instantly in 10 minutes to my account but its been more than 48 hours the money is not in my account. contacted customer support many times but worthless.please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Notified there was a security freeze/fraud on my account when trying to use XXXX XXXX XXXX XXXX  XXXX XXXX 

- Phone Call was placed to Equifax at ( XXXX ) XXXX and was told they could not locate my account. They used my social security, name, and Birthday, but were unable to locate my account. I was informed it would be looked into. 


XX/XX/XXXX - Follow Up phone call to be informed I needed to verify my identity to get a potential fraud or freeze lifted by mailing a Cover Letter, a copy of my Driver 's License, and a copy of my Social Security to XXXX XXXX XXXX XXXX, Georgia XXXX. I was informed it could take a month to receive a response. 


XX/XX/XXXX - Follow-up Phone Call in regards to not receiving any response from Equifax. I was now directed to fax the same information I had mailed to the address I received on XX/XX/XXXX to Fax Number XXXX I was informed I should receive a response or the issue should be resolved in XXXX Business Days. 



XX/XX/XXXX - A fax was sent with the required information. 



XX/XX/XXXX - A phone call was placed to follow up on the fax in which I had heard no response. They could still not locate my account and I was asked again to mail the exact same information that was previously sent on XX/XX/XXXX and XX/XX/XXXX. 


XX/XX/XXXX - A letter was received from Equifax stating : 1. I have not applied for Credit.

2. I have not actively used credit in the past 10 years.

3. I do not live in the US/have not been issued a social security number.

- I have a credit card. 
- I have had my credit ran with XXXX issues since at least XXXX when I rented my first apartment. 
- I was born in XXXX served for XXXX  years and XXXX in the XXXX XXXX, so I am a citizen with a Social Security Number. 

- A phone call was placed to Equifax to follow up about the letter I was sent. I spoke to a man named XXXX. He tried my Social Security, Driver 's License, Birthdate, Current and Past Addresses, and Credit Card Number to still tell me I did not exist. 

- I informed him that I can log on to my XXXX Account without issue and can see my up-to-date Credit Report and Score. 

- XXXX informed me that starting XX/XX/XXXX, there would be a XXXX investigation period in which he would look deeper to find and resolve the issue. I was told I would receive communication from Equifax either from himself or another employee by phone call or email. 

I have still not received any communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. 
Please review the following accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Account : XXXX XXXX, XXXX Account : XXXX  XXXX XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a permanent pre-screen opt-out by mail on X/X/2007 to the address provided on the Pre-Screen Opt-Out web page at XXXX ( I have a attached a scanned copy of that request ). Nearly 10 years after submitting that permanent opt-out request ( during the request was honored ), I have suddenly started to receive new unwanted pre-screened credit offers without me ever asking to opt back in again. The credit reporting agencies provide NO way to contact them to find out why they are no longer respecting my prior permanent opt-out. This is unacceptable. Please make them comply with ALL permanent requests PERMANENTLY, as required by law. Thank you.
Product: Credit reporting or other personal consumer reports

I wrote to XXXX, XXXX, and Transunion requesting an investigation of the following inaccurate accounts and Hard inquiries reporting on my credit report 30 days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score while I am currently in the process of purchasing a home. This is very damaging to my credit score as a consumer.

I the consumer understand the term Consumer Report does not include any transaction or experiences between the consumer ( me ) and the person making the report 15 U.S.Code 1681a ( 2 ) ( A ) ( i ). I the consumer have the right to privacy pursuant to 15 U.S.Code 1681b ( a ) ( 2 ). These credit agencies have violated my right to privacy by furnishing private information about me without any lawful author my written consent. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below The Following Accounts and Inquiries are inaccurate. 

XXXX accounts XXXX  XXXX XXXX XXXX This is Not my Account XXXXXXXX XXXX XXXX-This is Not my Account XXXX XXXX XXXX- This is Not my account Transunion-8 Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not my Account XXXX XXXX Account paid XXXX XXXX and XXXX Account Info/ XXXX XXXX XXXX XXXX XXXXXXXX XXXX-This is Not my Account XXXX XXXX XXXX This isNot my Account XXXX XXXX-Account paid IN FULL Account # XXXX XXXX- XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto is reporting several Late payments which is hurting my credit score. These late payments are inaccurate and false after comparing my credit report between XXXX, XXXX and Transunion. Some months are showing on time and others not on time which is not accurate. 
15 U.S. Code 1666b - Timing of 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. I would like all accounts and Hard Inquiries mentioned deleted from my credit file Immediately as this is damaging to my credit score and not aligning with my rights as a consumer. 

Thank you XXXX XXXX
Product: Mortgage

My mortgage servicer, Select Portfolio Servicing, INC ( SPS ), refuses to comply with the regulations included with the CARES Act on a " XXXX XXXX '' COVID-19 mortgage ( forbearance/deferral ), and added {$1000.00} to the next 12 monthly mortgage payments after an performing an escrow analysis. 
The declined my request, even after asking me to provide documentation indicating they should spread the escrow shortage repayment over a longer period of time, and receiving a copy of the servicing guide clearly stating : " the service must : Spread the repayment of the Escrow shortage amount in equal monthly repayments over a period of 60 months '' Below is the entire paragraph for reference. 
https : XXXX With respect to Escrow shortages, if the Borrower is unable to pay the Escrow shortage as a lump sum, then the Borrower must pay the shortage as part of the monthly payment ( Projected Monthly Escrow Shortage Payments ) on the modified Mortgage. If the Borrower must pay Projected Monthly Escrow Shortage Payments, then the Servicer must : Spread the repayment of the Escrow shortage amount in equal monthly payments over a period of 60 months, unless the Borrower chooses to pay off the shortage as a lump sum or over a shorter period of time, not to be less than 12 months Take into account any remaining unpaid amount of the Escrow shortage in any subsequent Escrow analysis to ensure that the Borrower is able to continue to pay all Escrow shortage amounts over the remaining portion of either the current remaining Escrow shortage repayment period or a period up to 60 months. The Servicer may not accelerate or compress the remaining Escrow shortage amount into a new Escrow payment or shorter repayment period as a result of a future Escrow analysis.
Product: Credit card or prepaid card

In XX/XX/2020 I missed my payment by a few days and was assessed a {$25.00} late fee. My family is struggling due to XXXX but I was able to catch up and make the payment a few days later. I even made a larger payment to try and bring my balance down. When I requested the fee be waived I was told no as Ive had one other fee waiver. Please help me during this time where {$25.00} means a lot to the average American family.
Product: Debt collection

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for the following companies : I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my wet signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : XXXX ACCOUNT # XXXX {$270.00} XXXX ACCOUNT # XXXX, # XXXX - {$270.00}, {$120.00} XXXX ACCOUNT # XXXX - {$270.00}, {$120.00}
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX XXXX breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX LLC/INC . AND XXXX IS CURRENTLY LISTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY PERSONAL CONSUMER REPORTS. 
AS I HAVE REPORTED TO THE FEDERAL TRADE COMMISSION ID THEFT REPORT.
Product: Debt collection

I mailed a certified letter to this company asking to provide my signature showing I applied for services. I received a copy of the contract terms back but 30 days letter this had not been updated on my credit report as verified so I mailed another letter stating that since this was NOT reported it had to be removed. I never received any info and it has been about 6 months and it 's still showing on my credit report after many many more letters that followed.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on y credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> XXXX XXXXXX/XX/year> XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XXXX or XXXX of this year, I.C. Systems, Inc., attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX, placed a collection with all three CRAs in the amount of {$130.00} under my SSN. I am disputing the validity of this alleged debt. 

Any debts that are alleged to belong to me and associated with acct # XXXX were paid to the original creditor ( e.g., XXXX XXXX XXXX XXXX ) on XXXX. XXXX, XXXX over the phone in the amount of {$140.00} and a return of equipment on XXXX. XXXX. XXXX in person at the XXXX XXXX  store located in XXXX XXXX, TX in consult with the XXXX XXXX store manager resulting in a XXXX balance for acct # XXXX ( see attached reciept ). 

In XX/XX/XXXX, XXXX XXXX XXXX XXXX, another debt collector acting on behalf of XXXX XXXX XXXX XXXX, contacted me via phone and mail alleging a debt of {$610.00} based on services I terminated with XXXX XXXX on XX/XX/XXXX. I successfully disputed this debt allegation with a XXXX XXXX billing receipt dated XX/XX/XXXX indicating a XXXX balance for services and return of equipment under XXXX XXXX ticket # XXXX ( please see attachments for detailed timeline of events ). Now two years later, XXXX XXXX XXXX XXXX is attempting recollection on a debt from me that is not owed and I am having to dispute this allegation once again. This amounts to harassment and clear abuse of consumer rights under FDCPA and FCRA. This erroneous reporting to the CRAs by I.C. Systems, Inc., on behalf of XXXX XXXX XXXX XXXX, has severely impacted my credit rating for which I am contemplating taking legal action.
Product: Debt collection

THIS IS A REQUEST FOR AN ACCOUNT CHAIN OF TITLE/OWNERSHIP VERIFICATION OF DEBT. RE : I C SYSTEMS / XXXX XXXX XXXX XXXX To whom it may concern this is the 3rd or 4th Debt collection agency attempting to collect a debt that has never been verified, never sent noticed before placing it on my credit file violation of both FDCPA & FRCA FEDERAL LAWS. This account has been illegally re-aged 4time prior to landing in the current office database of XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX. This complaint is submitted under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, UnderOHIO LAW U.C.C 1319.12Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. PLEASE DELETE THIS FILE ONCE. IT HAS BEEN IN DISPUTE SINCE XX/XX/XXXX BEFORE IT WAS TRANSFERRED TO THE I C SYSTEMS.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  : number : XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2018 I purchased XXXX ETH and XXXX LTC for {$2100.00} USD and {$860.00} USD respectively through https : //www.coinbase.com. On their site, they indicate they advertise that after business 3-5 days, the ACH payment will process, and then they will provide the currency " instantly '' once the bank processes the payment ( see photo 3 for their advertisement of the process ). Based upon their advertising, my understanding was that I would receive the ETH and LTC within 3-5 business days from the time the ACH was initiated. On XX/XX/XXXX, the funds for the aforementioned purchases went out ( see image 4 ). At the very latest, per their advertisement ( image 3 ), funds should have been available by that friday, XX/XX/XXXX. By not having access to my funds and by falsely advertising when my funds would be available, I have experienced a tangible loss in value as the value of ETH & LTC have fallen substantially. Numerous other instances of Coinbase defrauding customers and cancelling or delaying transactions when it is convenient to them can be found online. I believe they are buying currency and fulfilling orders as the price suits them, rather than at the appropriate time when the funds are received per their advertised image 3. Customer support has been completely unresponsive to any inquiries and I 've received no responses from them. 

There has been no action from Coinbase despite taking my money 7 business days ago.