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

On XX/XX/XXXX  TransUnion received my certified letter from me asking them to update inaccurate information on my credit report. Previously TransUnion responded to me in XXXX that the account information reported regarding XXXX XXXX was accurate and verified which is COMPLETELY false I have proof from XXXX XXXX that the account tied to my name is closed and paid in full with no balance owed. TransUnion failed to conduct a proper investigation & respond within 30 days of receiving original complaint and within 30 days of receiving my certified letter in the mail, TransUnion has went over the extended time period to conduct an investigation into a dispute being that 30 day period started when I originally submitted my complaint in XXXX which is 60 days over the allowed time period, TransUnion has went over the extend time period allowed to conduct an investigation from the date of receiving my letter which was XX/XX/, today it is XX/XX/XXXX  and that is 35 days past the time period the law allows. By failing to abide by these FCRA federally protected laws, TransUnion & XXXX is in violation of the FAIR CREDIT REPORTING ACT. This will be my last complaint/letter attempting to rectify the inaccurate information of TransUnion fails to comply with the FCRA within 2 days after receiving this complaint, the credit bureau will be held liable to for statutory damages up to {$1000.00} per violation. The law states if the credit reporting agency does not conduct a proper ingestion within 30 days the account must be DELETED from my credit report, the law also states if the credit reporting agency doesnt respond to my certified dispute letter within 30 days of receiving the letter the account in dispute must be DELETED from my credit report. I am a human and I will no longer accept computer generated responses. I will be taking this matter to Civil court against TransUnion & XXXX XXXX for violation FCRA & violating contract agreement. 
I will also provide documentation supporting my claim such as my most recent billing statement from XXXX XXXX as well as my settlement agreement contact with XXXX XXXX, I will also be providing proof of my certified letter sent to TransUnion that TransUnion failed to respond to and conduct a proper investigation of. 

Account : XXXX XXXX XXXX account number XXXX
Product: Checking or savings account

I disputed fraud charges on my account with Regions Bank XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$62.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XX/XX/XXXX XXXX # XXXX XXXX. {$17.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$41.00} XX/XX/XXXX XXXX XXXX XXXX {$90.00} XX/XX/XXXX XXXX XXXX # XXXX XXXX {$27.00} XX/XX/XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$750.00} XX/XX/XXXX XXXX XXXX   XXXX  XXXX {$26.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$48.00} XX/XX/XXXX XXXX # XXXX XXXX {$1400.00} I disputed some charges as well XX/XX/XXXX XXXXL XXXX {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$30.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$30.00} They did not investigate or contact the merchants rather they sent me a letter stating that the transactions passed their automated system fraud thing and therefore there would be no credit on my account
Product: Credit reporting or other personal consumer reports

This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).
Product: Credit card or prepaid card

XX/XX/2022 i applied for a wyndham credit card the card i applied for i applied fo was denied i was given a card that had less favorable rates and a very low credit limit i have excellent credit according to XXXX XXXX  XXXX on XXXX XXXX and XXXX on XXXX i feel the only reasioon i was denied is because of my XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : ADDRESSES NOT RECOGNIZED XXXX OLD XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX - XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX, XXXX FINANCIAL Mortgage Companies - Credit Union XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX, XXXX Mortgage Reporters XX/XX/XXXX Experian Creditor Name Account Number Balance Opening Date Status Trans Union Experian XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 30 days late ( 2 ) 30 days late ( 2 ) 30 days late ( 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 30 days late ( 3 ) 30 days late ( 3 ) 30 days late ( 3 ) XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 30 days late ( 3 ), 60 days late ( 2 ), 90 days late ( 1 ) 30 days late ( 3 ), 60 days late ( 2 ), 90 days late ( 1 ) 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I obtained copies of all 3 of my credit reports from XXXX XXXX, Transunion XXXX, and XXXX XXXX on XXXX. 

I noticed an inconsistency regarding the account XXXX 

It does NOT appear on XXXX. This is because they, XXXX, honored previous inaccuracy disputes and obliged deletion. 
It DOES STILL appear on Transunion as XXXX XXXX XXXX It DOES STILL appear on XXXX as XXXX XXXX XXXX XXXX XXXX These inconsistencies are deemed INACCURATE and must be DELETED, please, from my credit report from your agency listing. Please delete XXXX XXXX XXXX / XXXXXXXX XXXX XXXX XXXX XXXX from my credit report and confirm completion ASAP. This inaccurate and inconsistent data is defaming my character and causing unnecessary damages and loss of credit obtainment. 

Thank you so much for your help. 

15 U.S. Code 1681e - Compliance procedures section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Mortgage

Tried to modify loan they kept dragging it out which resulted in XXXX dollars in fees interest taxes attorneys fees. We paid the taxes and interest when this started but the mortgage was sold to them and they claimed no money was received.I also mail interest payments to XXXX bank who sold the mortgage to Wells Fargo who had server to process the account and they claimed them never received any payments
Product: Mortgage

Hello, we have fallen behind in our mortgage loan and Ocwen Loan Servicing LLC, is the servicer for the loan. We have applied for a Loan modification, submitted all of the documentation to Ocwen and they are stating that the process can take 30 days. The only way to get answers is by making scheduled appointments with a designated Relationship Manager who is only available by appointments. In the meantime, the bank, XXXX has foreclosed on us. I have explained to Ocwen that the Bank has foreclosed and they said to me that they have no records of this information. I contacted a forecloseure lawyer and with his help he did confirm that they did start the Foreclosure. How is it possible that Ocwen does not know. Moreover, why does their loan mod process have to take 30 days. I do not want to loose our home. We have been living in here for the past 15 years and we are back on track with both of us having full time jobs. We are capable of paying our mortgage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Re : Dispute of Inaccurate Late Payments Reporting Dear Sir/Madam, I am writing to formally dispute an inaccurate late payment ( s ) reported on my credit file under the 1666 ( b ) Compliance Procedure. I have reviewed my credit report and noticed that the payment history reported by your bureau contains discrepancies. The late payments listed on my credit report do not accurately reflect my payment history for the referenced account ( s ), and I am requesting an immediate investigation under the provisions of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Below are the specific details regarding the disputed entry : Account Name/Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$28000.00} Account Name/Number : XXXX XXXX*** Date : XX/XX/XXXX Amount : {$340.00} Account Name/Number : XXXX XXXX XXXXXXXX - Date : XX/XX/XXXX Amount : {$2200.00} Account Name/Number : XXXX XXXX XXXXXXXX - Date : XX/XX/XXXX Amount : {$2200.00} Account Name/Number : XXXX XXXX XXXXXXXX - Date : XX/XX/XXXX Amount : {$2300.00} Account Name/Number : XXXX XXXXXXXX Date : XX/XX/XXXX Amount : Paid According to the 1666 ( b ) Compliance Procedure, you are required to investigate and resolve this dispute within XXXX days of receipt of this letter. I respectfully request that you remove the inaccurate late payment entry from my credit report or provide me with detailed evidence if the entry is to remain. 

Please also notify me in writing of the results of your investigation and provide an updated version of my credit report once the dispute has been resolved. 
Please confirm receipt of this dispute letter and keep me informed regarding the progress of the investigation. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, XXXX, and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) from XXXX to XXXX. These violations have significantly affected my credit standing and financial opportunities. I allege the following violations of the FCRA : 1. Failure to ensure accuracy of information ( Section 607 ( b ), 15 U.S.C. 1681e ( b ) ) : The credit reporting agencies have failed to follow reasonable procedures to assure maximum possible accuracy of the information in my credit reports, particularly regarding late payments, delinquencies, hard inquiries, collections, and debt balances.

2. Failure to conduct reasonable investigations of disputes ( Section 611 ( a ), 15 U.S.C. 1681i ( a ) ) : When I have disputed inaccurate information, the agencies have not conducted proper investigations or corrected errors within the required 30-day timeframe.

3. Reporting of outdated negative information ( Section 605 ( a ), 15 U.S.C. 1681c ( a ) ) : The agencies have continued to report negative information beyond the 7-year limit specified by the FCRA, particularly about late payments, delinquencies, and collection accounts.

4. Failure to provide required notifications ( Section 611 ( a ) ( 6 ), 15 U.S.C. 1681i ( a ) ( 6 ) ) : I have not received proper notifications of the results of investigations or information about my right to add a statement to my file. 
Specific issues in my credit reports include a ) Late Payments and Delinquencies : Inaccurate reporting of late payments on accounts that were paid on time. 
Delinquencies that should have been removed after 7 years are still present. 
Inconsistent reporting of late payment severity across the three bureaus. 
b ) Hard Inquiries : Unauthorized hard inquiries appearing on my credit reports.

Hard inquiries remaining on my reports beyond the 2-year limit.

c ) Collections : Collection accounts that do not belong to me.

Paid collection accounts are still reported as unpaid.

Collection accounts older than 7 years from the original delinquency date still appear on my reports.

d ) Debt Balances : Inconsistent reporting of debt balances across the three credit bureaus.

Inaccurate debt balances that do not reflect my actual account statuses.

e ) Reporting Discrepancies : Significant discrepancies in information reported to each bureau, leading to unfair variations in my credit scores. 
These inaccuracies and violations have resulted in an overwhelming negative impact, such as loan denials, higher interest rates, difficulty obtaining housing or employment ] .I request that the CFPB investigate these matters and require Experian, XXXX XXXX and XXXX
Product: Checking or savings account

On XXXX XX/XX/XXXX, I contacted Capital One in regard to an error message that I received when trying to open a checking account. I contacted the Company and spoke with a XXXX representative. She wanted to verify my identity. In doing so, she asked did I open a checking. I told her no. She continued to ask me that and I finally stated, " Ma'am, if you see a checking account in my name then it's fraud ''. " I only have a credit card with Capital one ''. She put me on hold for a long time then came back and said everything was " fixed '' try again in XXXX XXXX. I asked questions and she just said I can't give you any information. On XXXX XXXX, I tried to login, this time the last 4 of someone else 's SSN popped up. So, I called, this time a XXXX representative repeatedly told me I can't give you any information. I explained it's fraud and I wanted to know more about the account that showed my name, address, email and phone number. He also stated, no account was open in your name, that's all I can tell you. Well since then I haven't been able to login my account. Today I called and spoke with a male representative on the credit card side, due to not being able to login my account. He tried many avenues to assist me in gaining access to no avail. He spoke with the banking side, and they told him it was fraud, and someone had in fact opened an account in my name, but it was " fixed '' however, I still can't login my account. He submitted a request for more information as to why. He transferred me to a " Manager '', the XXXX representative got on the phone and immediately said, " there an attempt for someone to open an account ''. When I asked for the information, such as when did this happen, he then stated, " I can't give you that information ''. I said if it was an attempt then why wasn't I contacted and how is it that their SSN shows up and not mine. As well as I still can't login my account due to this fraudulent SSN. My SSN has a fraud alert on due to my identity being stolen in XXXX. I informed him that no one asked me to verify myself as the legal owner. He told me that I had to fax to them a statement requesting information about the account, as well as documents verifying that I am who I am. I informed him that once the fraud was discovered I should have been notified in writing from them and that did not happen. This is very bad business practice for any banking institution.
Product: Student loan

I currently attend the University XXXX at XXXX. Last academic year ( XXXX ) I was enrolled as a full-time student and as such was given an in-school deferment. I am planning to return to school as a full-time student for the next academic year ( XXXX ). However, this summer I was notified recently that my FirstMark student loans were 60-days late and that they had reported this to the credit bureaus. In my surprise, I called and spoke with a XXXX XXXX. I thought that like my federal loans, if I was to be returning as a full-time student the summer months would be included in my in-school deferment. XXXX XXXX rudely informed me that FirstMark requires payment during the summer months. Had I known this, I would have been happy to pay my monthly bills, but because I was never informed of their specific rules I am being penalized on my credit reports. What is very surprising, is that I was in contact with them all summer and no one ever mentioned this to me. When I asked XXXX to remove the blemishes from my credit reports, she refused. I do not think that this is fair and I would like to make sure my credit report accurately reflects my intentions. I do not have any other blemishes on my credit report and I would like to keep it that way. I would like to submit this complaint to not only require FirstMark to inform their borrowers of such rules, but also I would like to have these blemishes removed from my credit report.
Product: Credit card or prepaid card

I have ( ( had now I suppose ) a credit limit of {$4000.00}. I checked my accounts today as I typical do ever month or two and I noticed that Discover had closed my account. This strongly effects my credit score. I intentionally made sure I was paid up and even had my account frozen for security purposes. Im extremely disappointed as to how Im being treated as a consumer and find it absolutely ridiculous that they decided to close my account without any warning whatsoever. Please advise. 


Thank you very much. 

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

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB finds indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Office of the Attorney General is the official child support enforcement agency in Texas. In addition to enforcing payment, the AG 's Child Support Division helps locate noncustodial parents, establish paternity, collect and distribute payments, and review and adjust child support orders.

15 U.S. Code 1681s1 - Information on overdue child support obligations Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which ( 1 ) is provided ( A ) to the consumer reporting agency by a State or local child support enforcement agency ; or ( B ) to the consumer reporting agency and verified by any local, State, or Federal Government agency ; and ( 2 ) antedates the report by 7 years or less.

As noted above in the referenced statute concerning Credit Reporting Agencies, the only permissable purposes of reporting child support payments/non-payments has to come by " A State or Local child support enforcement agency ". The State of Texas is the only child support enforcement agency that's legally authorized to report child support payments/non-payments. XXXX, XXXX, & Experian are violating the FCRA by reporting child support payment history via-third party agency. The State of Texas does not have an account with E-Oscar that allows their computers to communicate with each other. 
The following account is in violation of the FCRA : 1. OAG Child Support Enforcement opened XX/XX/2016 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I received a bill today ( XX/XX/XXXX ) in the mail from a debt collector ( Convergent - XXXX ) telling me that i owe {$2100.00} associated with XXXX XXXX ( XXXX ). Apparently, someone that lived or was associated with property at XXXX XXXX XXXX. XXXX, Michigan used my identity to get electric at this address from XX/XX/XXXX to XX/XX/XXXX. What i can tell you that i never lived in the state of Michigan. I never stayed overnight in the state of Michigan and I NEVER authorized ANYONE to use my identity or my name, etc. to purchase anything from XXXX XXXX. I've NEVER had any agreement with XXXX XXXX ... I NEVER lived in their service area. My identity was stolen to gain these services from XXXX XXXX.
Product: Checking or savings account

XXXX expired with XXXX XXXXXXXX XXXX  allowed charges when account had low funds. 

Plaid was the intermediary.
Product: Debt collection

XX/XX/2018 a debt was posted to my credit report by GENERAL REVENUE CORP. There was no prior notice of a debt owed. I was not notified by email, mail or phone. There was no attempt by GENERAL REVENUE to validate that the debt was owed by me. I mailed a written letter to the said creditor with signature service requesting legal debt validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), their claim is disputed and validation is requested.