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

The following accounts listed on my credit reports are being reported illegally and are fraudulent for the following reasons : XXXX. XXXX XXXX XXXX XXXX Acct # : XXXX XXXX. XXXX XXXX XXXX. Acct # : XXXX There are several issues concerning these accounts that make them fraudulent and/or illegal. The above items are being illegally reported as charge-offs. I was never provided LEGAL details of what would happen if any of my accounts were to go into a default status. The Credit Card Agreements do not provide any LEGAL definition of an account going into collections or being noted as a charge-off. I have attached the credit card agreements for you to see. There are several very important issues that are not addressed. XXXX ). What is the LEGAL definition of an account in collections? XXXX ). What is the LEGAL length of time that an account is in default that it can go into collections? XXXX ). What is the LEGAL definition of a charge-off? XXXX ). What is the LEGAL length of time that an account is in default that it is considered a charge-off? Neither the credit card agreements nor the FCRA give any type of LEGAL definition of the terms above. It appears that companies can just make up the rules to whatever suits them at the time. Meanwhile, it is the people who suffer. I demand these accounts be removed from my credit reports due to a lack of informed consent, according to 15 USC 1602 ( k ), which makes them illegal to be reported as a charge-off. As you can also note, the 3 credit bureaus are not reporting the same information, which also makes them less than 100 % accurate. According to 15 USC 1681 602 ( a ) ( 1 ), " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' Also, for this second reason, I demand the accounts be removed from my credit reports.

The basis of my complaint is there are no LEGAL definitions of terms provided to me by the creditors. TransUnion has not addressed this is any way whatsoever. I have tried 3 times to get answers and it comes back " UPDATED ''. They purposefully ignore my complaint.
Product: Checking or savings account

On XX/XX/2023 chime closed my account which contained XXXX dollars for unknown reasons. When I reached out to the company they said I needed to provide proof that my deposits were legit and meant for me which I provided and I still do not have access to the funds nor my account. They will not give me my money back and are not providing further information on my funds or the account being closed for illegitimate reasons.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states that it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX, XXXX, XXXX ( XXXX XXXX XXXX ), XXXX, XXXX, XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX, XXXX, XXXX ( XXXX XXXX XXXX  ), XXXX, XXXX, XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, whether it be verbal, non-verbal, written, or implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, someone attempted to open an account with Wells Fargo using my personal information. The bank declined the application as they could not properly identify me with the information provided. Wells Fargo reported the hard pull to XXXX on XX/XX/XXXX. I contacted Wells Fargo, and they are investigating the situation. I have also, contacted the three reporting agencies as of today and placed freeze on all accounts. I'm not sure what else I need to do to protect my personal information or correct this fraudulent act from happening again. Please let me know, if I need to get a police report as I'm not sure if that is necessary. I do not have any accounts with Wells Fargo at this time and would like any fraudulent pulls removed from all of the reporting agencies that may have been affected. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 had been applying for a home loan, and my lender told me that my credit report showed two credit card accounts with XXXX XXXX, one of which had outstanding payments due since XX/XX/XXXX. I only have one account with XXXX XXXX, so I called XXXX XXXX about the error on XX/XX/XXXX. On that date, I spoke with XXXX, employee XXXX who determined that XXXX XXXX likely opened a duplicate account as both my current, real account and the improper account had the same application date and parameters. XXXX promised to have this information corrected with all three credit bureaus and to send me a letter confirming the same so I could share with my lending bank. An entire MONTH later, I had received no confirmation or return from XXXX XXXX. I called again and spoke to XXXX employee # XXXX who told me that the first agent had never filed the proper paperwork to remove the erroneous account from my credit history with the credit bureaus. She ensured me that she would file the dispute and all necessary paperwork and fax me a letter saying the same. By XX/XX/XXXX, I still had not received a letter or any confirmation or update so I called XXXX XXXX again. This time, I spoke with XXXX employee # XXXX who stated that she could not provide a status update on my account and would have to investigate further. After 5 weeks of delay and XXXX XXXX not correcting its error, I am left with no option but to seek assistance from the XXXX.
Product: Mortgage

In XX/XX/XXXX I knew that the we wouldn't have XXXX 's mortgage payment because we were evicting the tenants. I contacted Mr. Cooper in XXXX to let them know and begin working on the loan modification process. Since XXXX I have uploaded and emailed over 40 times to get them the required documents. They have lost several, allowed others to expire, and ignored several. We have spoken with numerous supervisors that promise to help but afterwards we are never able to reach them again. People call us to tell us we are missing documents and when I tell them I resent said document they suddenly are able to find it. I have emailed XXXX XXXX ( she uploaded documents for me on XX/XX/XXXX ). I spoke on the phone with XXXX XXXX ( supervisor ) on XX/XX/XXXX and we emailed back and forth the things he said they still needed from me. I sent those forms to him on the XXXX. He promised to help, call me back, and respond to my emails, but I never heard back from him. On XX/XX/XXXX I emailed him requesting an update on the loan modification and I didn't get a response. On XX/XX/XXXX is when we spoke with XXXX XXXX and he told us " this will be the biggest headache of your lives and at the end of the day they are still going to take your house ''. Nonetheless, we continued to send forms in and I tried to reach out to XXXX XXXX again and to XXXX XXXX ( my personal loan specialist ). XX/XX/XXXX I spoke to XXXX XXXX ( another supervisor that promised to help but didn't ) and I emailed her forms to upload. I had to email to request uploads because their website can't upload documents that are " too large '' .On XX/XX/XXXX I spoke to and emailed documents to XXXX XXXX ( another supervisor that didn't help ). I was sent a response email stating to call Mr. Cooper for any questions or concerns. I emailed forms to XXXX on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. This is not counting the forms I was able to upload myself via their website. This company is so disorganized. They are liars and scammers and they play with peoples emotions hoping that we will get tired and give up. We have been trying for months to resolve this issue and they are not doing their part. In the meantime my account if accumulating outrageous late fees and penalties and this is destroying my credit. We have since gotten new tenants and they are harassing them with visits and mail about foreclosure.
Product: Credit reporting or other personal consumer reports

Please see attached documesants. Do not close this complaint stating it is not me. I am a natural person and a coansumer.
Product: Debt collection

I've disputed these negative accounts with all three credit agencies- XXXX, XXXX, and XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX and I've contacted the collection companies who place the information on my credit report. They did not answer any of my letters. XXXX XXXX XXXX XXXX XXXX XXXX, and JEFFERSON CAPITAL SYSTEM and XXXX ) Therefore, I contacted all three credit agencies again ( XXXX, XXXX, and XXXX ) to get answers relating to how they validated the debt - since I'm not able to reach anyone by mail. I received no valid answer, and they did not remove any of the negative information from my credit report. They told me to take my issues up with the company to have the information deleted. 
XXXX XXXX - AMOUNT : {$230.00} XXXX XXXX XXXX - AMOUNT : {$470.00} JEFFERSON CAPITAL SYSTEM - AMOUNT : {$1500.00} XXXX XXXX - AMOUNT : XXXX or {$1500.00} HOW CAN I RESOLVE THIS ISSUE IF NO ONE IS COMMUNICATING AND DOING WHAT IS REQUIRED BY LAW.
Product: Checking or savings account

Claim numbers XXXX, XXXX, XXXX and XXXX. The bank was suppose to have closed and replace the card on a recorded like weeks ago, never did, and has not refunded me for the fraud they were aware of, made me aware, yet allowed to happen since they did not cancel the card they confirmed would be canceled, between XXXX they owe me
Product: Debt collection

Hello, these accounts been on my credit report for 1-2 months now. The only response Ive gotten back was that they were verified. I want to know who verified them. Because by law after 30 days with no real response the accounts are suppose to be remove.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

I applied for a personal loan through Lending Club and received an email stating I was not approved on the XXXX XXXX XXXX. On XXXX XXXX I noticed that my XXXX XXXX XXXX XXXX account had an additional XXXX. I checked my email again, and on the same day Lending Club approved my loan. I called them immediately and informed them that I did not want the loan and was informed that I had to pay it back and the interest which included a XXXX fee. If you would look at the document, the email states pre-approved to not approved on the same day. After, the denial I assumed the loan process was invalid yet, the deposited the money into my account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent a letter on XX/XX/XXXX to remove the fraudulent that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items that I want to remove : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX Balance XXXX {$600.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Product: Credit card

I would Like to File a complaint on Capital one bank inference to reporting negative info to the major credit reporting agencies. I have sent them proof of payments and they still claim that my payments were late. Capital One is in violation on the FCRA.
Product: Credit reporting

A combination of being the victim of the Transunion Inquiry issue and Identity being stolen. I have had multiple inquires that were not from me or initiated by me on my Transunion credit report. I have attempted to speak with supervisors about the issue and have written multiple letters in regards to this matter with no avail. The inquires that are to be removed are as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I was a long time credit card holder of the LL Bean Visa with Barclay Bank. I received a letter on XX/XX/2017 that was dated XX/XX/2017 that my credit card would not be reissued because the ratio of payment too outstanding balance is too low. '' I attempted to discuss the matter with them. They are the ones which figure the payment amount. I have not been late on payments. I used the card for a balance transfer of XXXX for the life of the balance transfer and only used the card for LL Bean purchases. They continually lowered my credit limit over the years. I only used the card before it expired so I did n't loose the LL Bean points towards my next certificate. I have n't had any other credit card companies drop or not renew my credit cards. Barclay is the only one. I tried to resolve this issue with them directly and there was no resolution because they did n't feel they were wrong in the determination.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of credit card account number XXXXXXXX XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing credit inquiries with Transunion and have not had successful results. A computer glitch that was Transunion 's problem caused my inquries to be deleted and later on they were added back on to my report without giving me the legally required written notice 5 days prior to them being added back on. I have contacted the credit bureau in good faith to delete these but they are still on my reports. My rights were violated by Transunion and these inquiries have caused me to lose points on my credit score. Will the CFPB please stop Transunion from victimizing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there, I hope this message finds you well. I'm reaching out because my rights to privacy under 15 USC 1681 have been violated XXXX times. I have not given Experian written permission to furnish these accounts/ inquires on my credit report. 



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

I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX TEXAS XXXX while my credit report shows an outdated address of XXXX XXXX XXXX XXXX, FL XXXX. I request that my current address be updated accordingly. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.