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

XXXX, Transunion, and XXXX XXXX XXXX XXXXXXXX XXXX  has violated my consumer rights by reporting a bankruptcy illegally on my consumer report. I did not directly or indirectly give neither XXXX XXXX or XXXX or Transunion permission or consent to furnish my information. According to 15 usc 1681 ( A ) ( E ), 15 usc 1681C ( A ). They are violating and breaking legislative law thats put in place to protect me, the consumer rights. The XXXX  bankruptcy court in XXXX notified me that they do not furnish personal information to any CRAS. This is my first complaint.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i sent notice to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Bankruptcy XXXX that i was OPTING OUT of any credit reporting, and any implied permission was revoked, i also put the credit agencies on notice as well on XX/XX/year> both failed to comply and allowed reporting without my written permission The following references in the FCRA and related laws support my request : 1. **FCRA Section 604 ( a ) ( 3 ) ( F ) : ** This section explicitly allows consumers to opt-out of the inclusion of their information in credit reports.

2. **FCRA Section 623 ( a ) ( 2 ) : ** This section mandates the reporting of accurate and complete information, and I assert my right to control the accuracy of information related to my credit history.

I request that you promptly update your records to reflect my opt-out status and cease any further reporting of my personal information to credit bureaus within 10days of receipt of this notice. I also seek written confirmation of this action, specifying the date by which the cessation of reporting will be completed. Failure to comply will subject you to penalties in accordance with : 1. **USC Title 15 1681n : ** this code outlines the damages the consumer is entitled to in regards Civil Liability for Willful Noncompliance by the data furnisher.

2. **USC Title 15 1681o : ** this code outlines the penalties and definition of the Civil Liability for Negligent Noncompliance .

3. **USC Title 15 6805 : ** this code outlines my right to Enforcement if you fail to follow the instructions and the law.
Product: Checking or savings account

complaint reference code XXXX discover checking account was blocked every time I tried to transfer funds from/to one of the previously linked checking or saving account to the discover XXXX or a real checking account Discover does not offer any real checking account, since a real checking account should be able to send and receive funds transfers from previusly linked external checking/saving accounts without a account block after each transaction The entire web internet is currently making fun of them since discover block/freezes the discover checking account if 1 there is a funds transfer credit, started from a previously linked external checking/saving account registered under the same name 2 there is a funds transfer debit, started from a previously linked external checking/saving account registered under the same name 3 there is a funds transfer credit, started from discover and pulled from the previusly linked checking/saving registered under the same name 4 there is a funds transfer debit, started from discover and pushed to the previusly linked checking/saving registered under the same name 5 if a customer does not use the debit card for a certain period of time and suddently starts tto use the debit card also for low amounts, then again discover blocks the checking account The bank is not normal, they even have a separate page were customer can upload the document id to confirm identity unlimited times and they name the page " secure page or secure upload or whatever '' I have uploaded my document id twice already t The first time they unblocked the checking account, but the account was blocked again when I tried to deposit funds to discover with a funds transfer from a previously linked checking/saving account registered under the same same, my name, as indicated above The banks need to make up their minds they have to decide if they want to operate n the internet or if are unable to operate on the web, they should work put the web only, offline, they don't have the permission to waste customers valuable time, with their strange procedures The result of their strange procedures can be found on the internet, the entire web is making fun of the so called bank The checking accounts was probably closed without notice, not even a simple email, maybe they are unable to type a email, because they need the help of the hight tech technology, the nasa, to be able to send email notifications I had funds in the checking account that were not refunded perhaps, they still trying to send a sms to the email adress registered on the discover checking account? 

good luck I will tell to each person that I know. that discover blocks checking accounts With no real reason
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months, my husband and I have been getting " serious delinquencies '' reported to our credit card companies from the credit reporting agencies which is totally inaccurate and wrong. When we ran our credit reports with AnnualCreditReport.com they show absolutely no delinquencies in our accounts ( as it should be ) and have never been delinquent with any of our accounts in over 21 years. When we contacted all three credit agencies, they told us that their records show no delinquencies and no problems and to contact the credit card companies directly to get it cleared up. But when we call the credit card companies, they tell us that the information they have is being supplied by the credit reporting agencies and there is nothing they can do about it. We have been in a vicious cycle between the two groups and no one has been able to help us. Every month I have been hoping that the information gets cleared up but it is still being reported as delinquent for some reason. Somebody somewhere is reporting this and it is erroneous information that is affecting our credit scores. Please help us get this rectified. The credit card companies are XXXX XXXX XXXX and XXXX.
Product: Checking or savings account

Paypal allowed a fraudulent charge to occur on my account. I called the credit card company and they fixed the issue. Paypal locked my account down. I then submitted documentation on XX/XX/XXXX. The information has not been enjoying reviewed and my account remains locked. I have sent over ten emails and have gotten Zero Response. This violates banking codes of ethics and US Codes regarding access to accounts. XXXX is unable to access this account for payment causing undue harm and distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of item which Is UKNOWN to 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
Product: Vehicle loan or lease

XX/XX/XXXX - Vehicle Payoff submitted XX/XX/XXXXXXXX  Ally auto blocked wire transfer marked my account as fraud. Requested I pay three payments via certified check XXXX  Sent certified check for full statement balance. 
XXXX Certified check cashed. 
XX/XX/XXXXXXXX  - Contact Ally Auto - Request lean release Response- Sending XXXX Contact Ally Auto - Request lean release. 
Response - Sending release XXXXXX/XX/XXXX Contact Ally Auto - Request lean release XX/XX/XXXX - Ally Auto limited my web account. 
XXXX  Contact Ally auto request Lean release. 
Response - sending release
Product: Debt collection

unauthorized use of estate 1 ) Name and address of the holder in due course of the alleged Debt, 2 ) A copy of the original signed Contract and all of its amendments, addendums, between the parties, 3 ) Copy of the original signature for each item listed on the account statements, Verification is to be attested, under penalty of perjury, by a wet ink signature.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax XXXX XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax / XXXX 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's/ Experians 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax XXXX XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

The Following Agency is not bonded in FL and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed. 

Commonwealth Financial XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Mortgage

In XXXX I completed a loan modification with Mr. Cooper/nation star. This modification was from XXXX when my husband lost his job and that modification of partial claim was created for the amount of {$12000.00} which I was aware of and went to the back end of the loan. Fast forward to XX/XX/XXXX and I am told by Mr. Cooper that the amount was an error and we owed around {$2700.00} more. That modification was amended for the amount of {$15000.00}. The issue Im having is they did not release or modify the lien for the {$12000.00} so now I have a lien of {$12000.00} And a lien for {$15000.00} showing on my title. I became aware of this after applying for a HELOC with a different company and they ran the title to the property. I have since made numerous emails and phone calls to Mr. Cooper rectify the situation. Mr. Cooper admits its an error but to date still has not since XXXX fixed the issue. They created a lien release form which has not been executed because now theres argument on whether or not they believe they should release the lien they should because the lien for the {$12000.00} was posted in XXXX the second lien was not posted to the title until XX/XX/XXXX. Mr. Cooper executed both liens while they have a different company ( PHH ) managing the partial claim. XXXX only has the partial claim for the {$15000.00} because Mr. Cooper made an error by not correctly adjusting the lien and refuses at this point to fix it. this is a VA loan and I have been working with the VA as well. I have tried several avenues on my own and Im getting nowhere and it was suggested I turn to you for your assistance. this is affecting me being able to close on my HELOC because they will not release the lien even though they admit the error. This was my original complaint that CFPB closed with no resolution. 

To date, I spoke with Mr. Cooper again yesterday. After explaining to them since XX/XX/XXXX they released the wrong lien on the property. There are two liens. One from XXXX and one from XXXX. The XXXX lien should not exist because it was replace by the one in XXXX, but the VA and Mr. Cooper failed to do their job and have that lien removed. This is why I am unable to finish getting My HELOC because of this lien. I have provided them with their own paperwork proving the lien from XXXX needs to be removed. I am attaching the subordinate note from Mr. Cooper and literally in the second paragraph it states as much. The {$15000.00} would replace the {$12000.00} amount. I do not understand how this is so hard for them to understand and comprehend.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX XXXX XXXX XXXX has ignored my request stop reporting the negative account that was fraudulently opened using my personal information with their company. I have provided them with my police report and identity theft affidavit supporting this. I have also disputed this account on numerous occasions because of the inaccuracies reporting across all the different credit bureaus. Payment dates, open dates, and close dates are not consistent. 

Please resolve this matter as soon as possible. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous attempts to remove fraudulent items from my credit file. Despite my efforts to address and rectify this situation, it appears that unauthorized parties are persistently attempting to manipulate my credit report, raising serious questions about the security and accuracy of my credit information. 

On multiple occasions, I have observed and documented several attempts to remove fraudulent items from my credit report without my consent or validation. These actions not only jeopardize the accuracy of my credit history but also indicate a potential security breach. 

Despite the significant impact of these removal attempts, I have not received any communication from your agency to verify or authenticate such changes. The absence of proper verification procedures is deeply concerning and contributes to the ongoing vulnerability of my credit information. 

The persistent nature of these removal attempts has heightened my concerns about the risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a thorough investigation to prevent further unauthorized alterations to my credit file. 

I am formally requesting that your agency conducts an immediate and thorough investigation into these incidents. I also seek regular updates on the progress of the investigation and detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There is information on my Equifax credit report that is not accurate. The information from XXXX XXXX XXXX, XXXX XXXX, XXXX WI XXXX was removed from my XXXX credit report, Equifax refused to remove it. Equifax stated : " The results are : This creditor has verified to OUR company that the balance is being reported correctly. '' This debt is not mine and I have no knowledge of it. I have never received a bill from XXXX XXXX XXXX, the debt is not mine. 

The second item disputed with Equifax is from XXXX XXXX, XXXX XXXX XXXX, XXXX WI XXXX. Equifax stated : " We verified that this item belongs to you. '' Like the other debt above, I never received a bill from XXXX XXXX and the debt is not mine. This debt is not on my XXXX credit report. These charges are either fraudulent and/or they are the responsibility of a person with the same name that lives in the same geographical area. This person in the past was confused with me and the university I was attending at the time almost billed me for his tuition. 

My name was inaccurate and then corrected on my Equifax Credit file. I have attached the report stating that my name was now properly reported.
Product: Vehicle loan or lease

I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. I demand the accounts listed below be removed because ; According to 15 USC 1681 E ( B ) : I have the right to accurate reporting of my accounts and the information reported by this company is incorrect. Acct number XXXX. In XXXX of XXXX  XXXX  illegally repossessed a vehicle I had with them. XXXX XXXX then sold the car at auction and failed to either notify me of the sale or accurately record the sale to my account. The account is reported as if I still owed the full balance ( not including the sale of the vehicle ) when in reality the car should have sold in excess of { {$13000.00} } and I should have been due some amount of equity returned from the sale.
Product: Checking or savings account

{$660.00} dollars inserted into atm to deposit Atm said it had a technical error and was unable to return my deposit I have receipt to prove atm error amd amount taken Keybank will not return my money or issue provisional credit XX/XX/21 at XXXX, XXXX XXXX XXXX XXXX, XXXX colorado Spoke to customer service XXXX, spoke to XXXX  named XXXX, spoke to XXXX, someone from the branch called be but all I am getting is sorry but no solution other than waiting XXXX weeks
Product: Mortgage

my Morgage company ( XXXX ) changed service company to Roundpoint morgage services company. The electronics payments still went to the former service agent for three payments. XXXX and there agent were listing me as default, and charging me late fees and threatening foreclosure. I worked with my Bank, proved that all the payments were made after 7 phone calls and two years with promises to correct this, and the fact the the prior servicing agent sent two of the three payments to Roundpoint, and the fact that I have reconciled receipts, they are still charging me late fees, and not crediting the third payment.
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that Bank of America has reported an unpaid debt under my name, XXXX XXXX XXXX. I have verified that I have no legally binding obligation to pay any alleged debt with them. 
Again, you have failed to provide me with a copy of any viable evidence submitted by Bank of America. Be advised that I hereby request a description of the procedure used to determine the accuracy and completeness of this information, and it must be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, I request the name, address, and telephone number of each person contacted at Bank of America regarding this alleged account. 
I am formally requesting a copy of any documents provided by Bank of America, bearing my signature, that prove I have a legally binding contractual obligation to pay this amount. A bank clerk looking at their computer screen and seeing my name listed in their database is NOT verification or validation of any alleged debt. 
This is my final goodwill attempt to have you clear up this matter. The item listed is entirely inaccurate and incomplete, and it represents a serious error in your reporting. 
Failure to comply with federal regulations regarding credit reporting agencies will be investigated by the Federal Trade Commission ( FTC ), per 15 USC 41 et seq. I am maintaining a careful record of our communications for the purpose of filing a complaint with the FTC, the Consumer Financial Protection Bureau ( CFPB ), and the Minnesota Attorney General 's office, should you continue in non-compliance. 
As a reminder, in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX ), non-compliance may result in your liability for damages