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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : XXXX XXXX XXXX TransUnion for XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX am writing to formally lodge a complaint against TransUnion regarding their persistent violation of consumer protection laws, specifically in relation to their credit reporting practices. It has come to my attention that despite the recent actions taken by the Consumer Financial Protection Bureau ( XXXX  ) and the Federal Trade Commission ( XXXX  ) in XX/XX/XXXX, which resulted in a {$23.00} XXXX penalty against TransUnion for illegal practices, the company appears to have reverted to its previous harmful behavior. 

As outlined in the CFPB and FTC findings, TransUnion has failed to adhere to the requirements set forth in XXXX XXXX Code XXXX, which mandates that consumer reporting agencies must implement reasonable procedures to ensure the maximum possible accuracy of consumer reports. Unfortunately, I have experienced firsthand the consequences of TransUnion 's negligence in this regard. 

[ Here, you XXXX include specific details about your experience with TransUnion, including any inaccuracies in your credit report, the impact it has had on your financial life, and any attempts you made to resolve these issues with the company. ] Given the serious nature of these violations and the impact they have on consumers like myself, I urge both the CFPB and the FTC to take immediate action against TransUnion. It is essential for consumer reporting agencies to be held accountable for their actions to ensure the protection of consumer rights and the integrity of credit reporting. 

I look forward to your prompt attention to this matter and hope to see meaningful action taken against TransUnion to prevent further violations of consumer rights. 

Thank you for your consideration. 

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

since XXXX, these companies have been pulling my credit putting hard inquiries on my credit without my authorization. 

According to my most recent credit report, the companies are currently reporting to the three credit bureaus that I had applied for credit with their organizations. I do not recall granting them authorization to review my credit report. If so, they should provide signed documents signed by me where i authorized them to do so. 

Otherwise, they have to remove it as soon as possible. 

These inquiries have affected my credit dramatically. since XXXX, i've been sending dispute letters to them through the bureaus ; i've contacted them by phone, but still they haven't taken any action. 

These companies have requested a copy of my report without my consent. 

These are the following UNAUTHORIZED AND INACCURATE credit inquiries ( Validation is needed ASAP ) : XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX   TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX  TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX   TANGIBLE PROOF NEEDED ASAP XX/XX/XXXXXXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX Credco TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Credco TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX   TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX. 

XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX  TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX  TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681c-2, and to request that this information be blocked and removed immediately. 
I have attached a copy of my FTC Report ( FTC Report Number : ( XXXX ), along with additional documentation supporting my claim. This report demonstrates that the information in question is the result of fraud and should not appear on my credit report. 
Pursuant to Section 15 U.S.C. 1681c-2, when a consumer submits an identity theft or FTC report , credit reporting agencies are legally obligated to block or remove any information identified as fraudulent within four business days.

The information on my credit report was reported without my explicit consent or written authorization. This constitutes a violation of my rights as a consumer under the FCRA. Therefore, I request that this information be blocked and removed immediately.

I would like to inform you that I have been a victim of fraud, as unauthorized accounts and transactions have been reported in my credit history. I have also filed a complaint with the Federal Trade Commission ( FTC ), and I am including a copy of this report for your reference.

All required documentation to support this claim is included in this package and has been sent to your agency via fax and certified mail. I demand that the following fraudulent accounts be removed from my credit report without delay : FRAUDULENT ACCOUNTS : XXXX XXXX XX/XX/year>
Product: Checking or savings account

Navy Federal charged me overdraft fees knowing there wasnt money in the account.
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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021, and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Shellpoint Mortgage is not Honoring an Agreement that they ( Shellpoint ) made up & signed in Federal Court ... .. 

Shellpoint Mortgage is still adding Fraud to my Account, something they said, in writing, that they would stop doing .... 

Please Help Me ....
Product: Credit reporting or other personal consumer reports

Under FCRA XXXX, we should remove any incorrect accounts from my credit report. Please check the documents, as some of the listed accounts have inaccurate reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also SectioI am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. n 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards the data provided is not always accurate complete or update i demand that any wrong incomplete or unsupported material be updated XXXX - XXXX
Product: Credit card or prepaid card

Have been with bank XXXX years Credit card was set to expire at the end of XXXX Called PNC XXXX XX/XX/2022 to inquire - told it was being sent Called PNC on XX/XX/2022 to inquire - told it is being sent on the XXXX Called PNC XXXX XX/XX/2022 to inquire - told it was sent - and not to worry about the end of the month, and it would be automatically extended as they were having problems with their vendor Started getting emails about Credit card not working on XX/XX/2022 from reoccurring charge businesses Called PNC XXXX XX/XX/2022 was told to bad - nothing they can, or will do about it except, send another card, ( 2 to 3 business days ) - at no charge- and again reiterated that it was a problem with THIER vendor XXXX 
I was asked about other cards- I informed them that their DEBIT card I have with them will not allow me to use it as a credit card.
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. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Name : XXXX XXXX  XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX LAKE XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 

This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 
This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA!

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX AUTO ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX CREDIT ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX DELETE & BLOCK ACCOUNTS
Product: Mortgage

My mortgage with US Bank was sold to XXXX XXXX. When I went to pay the XXXX XXXX payment there was a {$450.00} fee added to my payment. XXXX XXXX could only tell me that US Bank had charged a fee that I owed. US Bank said that it was legal fees related to a foreclosure from XXXX and XXXX. I have never made a late payment. They can't explain the reason for the fees. 

I have attached the email chain I received from US Bank saying that this is a common problem, and they don't know what the fee is for.
Product: Debt collection

I certified mailed debt validation request documents to this company XX/XX/year>. I have yet to receive any validation documents or proof this alleged debt is legitimate or being rightfully reported. I have no business with this company, I dispute the validity of this alleged debt. It is not mine.
Product: Credit card or prepaid card

On XX/XX/2023 I took advantage of an offer from my credit card with Chase Visa, called My Chase Plan. This took a large purchase of mine from XXXX in the amount of {$580.00} and broke it into a payment plan of {$32.00} over 18 months, which I accepted. My obligation was to pay the " Interest Savings Balance '' each month, which I complied with. However, because of the way Chase deceptively handles its bookkeeping on various transactions, money was funneled from other credits or purchase cancellations on my Visa account into paying off my payment plan in two months. In essence : Chase took money due back to me on my Visa account and without my authority, paid off My Chase Plan. This left me in a far worse situation in the months following because I had incredibly large purchases in XXXX and XXXX. My Chase Plan is a deceptive marketing ploy that has left me financially worse off than I would have been without it.
Product: Checking or savings account

I have an account with capital one bank and I was depositing a Government check! I was given the impression that the check would be available with XXXX hours. But It wasnt until after I went through the process and I endorsed the check that I was told that it would be nearly 7 days until I could get the funds. I understand banks rules but if its a longer wait, a customer should be given the choice not to!
Product: Credit card or prepaid card

Contacted credit card issuer about fraudulent XXXX XXXX  charges five time with no resolution, company now charging late fees and interest on disputed charges. At least three fraudulent charges were made AFTER fraud reported and the card was cancelled, yet CitiBank refuses to reverse them. On at least four contacts Citi representative indicated the charges would be reversed, have two chat logs saved where they indicated they would resolve the fraudulent charges.
Product: Checking or savings account

In the XXXX of the year, I opened up 2 new savings account and a checking with Capital one. By the beginning of XXXX I had yet to receive my banking card and was only able to deposit money with a linked account from another bank. XXXX XXXX, XXXX, I deposited {$48.00} into the checking, {$40.00} into one of the saving, and {$57.00} in to the last savings account. By XXXX XXXX, and XXXX I was notified of fraudulent activities. On the XXXX, my original deposited {$48.00} was withdrawn. On the XXXX and XXXX there were deposits via ATM for {$980.00} and {$430.00}. I reported these transactions to the fraudulent department. XXXX XXXX  I went and checked my account to see that the money from my locked accounts were being sent out via check and the number I received to call would not call back even after numerous voicemails left. Last few days of XXXX I was finally able to speak with a representative since I had yet to receive the money taken from my account. The representative told me that my accounts were closed and I wouldnt receive the money I had deposited into the accounts due to the bank not being able to determine which money was fraudulent. When I asked for more details they told me they couldnt give me any information on the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has called me 8 time from XX/XX/2021 to XX/XX/2021. On XX/XX/XXXX @ XXXX XXXX  central I told them to stop calling me. They are trying to " repair '' my credit score ( its XXXX ). I have managed my own credit for the past 16 years I dont need or want their help. 

I have even gone as far as changing my voicemail to something extremely long saying how I made it so long to reduce the number of spam calls I get.
Product: Debt collection

Received a bill addressed to somebody else 's first and middle names, and my last name. Clearly not my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking at my credit report, there is some inaccurate obscene personal information being reported. Listed below are the problems with my personal data. 

My correct name is : XXXX XXXX. My correct address is : XXXX XXXX XXXX, XXXX  XXXX, XXXX, North Carolina XXXX Please delete all other names, as they are inaccurate. Please also delete all other addresses from my credit report as no mail is deliverable to me by the United States Post Office, through these addresses and are therefore not reportable as per the Fair Credit Reporting Act ( FCRA ). All items listed are inaccurate and must be immediately deleted. Once complete please send me a copy of my updated credit report which reflects the deletions I have requested. I expect a response within 30 days. 

Thank You.
Product: Debt collection

NACS sent me a collection notice in the amount of {$1000.00}. I have no clue what this bill is for and NACS refused to give me information on the bill. My health insurance was never billed. I have sent NACS a Cease and Desist letter with my health insurance information for proper billing if a legitimate bill actually exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be investigated and removed if they can not be properly verified. 

The accounts in question are : CREDIT COLLECTION SERVICES Opened : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX Opened : XXXX XXXX Balance : {$10000.00} I am disputing these accounts due to inaccuracies and/or lack of proper verification. According to FCRA, 15 U.S.C. 1681i, consumer reporting agencies must conduct a reasonable investigation and remove any information that can not be verified as accurate and complete. 

I request that you : Provide documentation proving that these accounts belong to me- as I never signed any contracts with any of the creditors listed with a wet signature, nor was I provided ID verification of agreement with them.
Product: Credit reporting or other personal consumer reports

Chex system is reporting I owe money to XX/XX/XXXX credit union. That is incorrect. The information is also incomplete.
Product: Credit card

This creditor appears on my credit report, and it is negatively affecting my ability to attain new credit. I have been back and forth with this company for over several months and have had no resolution to this issue. This account was opened fraudulently and without my consent. I have requested on several occasions for the original application and have been sent invoices instead.
Product: Debt collection

I checked my credit report, and saw an account for Kohls/Capital One in the amount of {$1800.00}. At the time the account became delinquent, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to settle with {$500.00} for a deletion.
Product: Mortgage

I modified my mortgage with Bank of America in XXXX XXXX. I have paid my mortgage on time each month since that time. XX/XX/XXXX I receive a package from Bank of America stating that some of the documents from my modification contained errors that prevented them from recording the modification with the county. Included in the package were XXXX separate sections needing signatures : The Loan Modification Agreement, the Amended and Restated Note, and a third signature page with the words, " Page XXXX of XXXX, '' on the bottom, missing any accompanying page XXXX for that particular page. It is a different font and format to either of the other sections, so it clearly is a separate section. 
The package offered a {$500.00} compensation for my inconvenience and offered to send a notary to our home at no cost. 
We ignored the first XXXX sets of paperwork but by the XXXX set we began questioning it. We brought it to an attorney who advised us not to sign it for at least XXXX reasons : the amended and restated note changes the terms of the original modification by adding an entire section titled Grounds for Acceleration of Debt ; and because of the section that includes a page XXXX without the accompanying page XXXX. This is not erroneous, as the packets came with this signature page and no page XXXX in each of the XXXX packets. 
When I called to inquire about these concerns, I was told that the page XXXX was a printing error, and that it was simply a continuation of the page XXXX of the Loan Modification Agreement but that both would still need to be signed. As I noted before, the font and format of these pages are completely different and thus the mortgage company lied to me and is deliberately hiding something from me. They are trying to pressure me into signing this page with false information. With regard to my concern about the additional terms that change the original modification I agreed to, they simply said it had to be signed or the modification would not be recorded and I would have issues when trying to sell the property. 
I am trying to put the property on the market and need this resolved before we find a buyer, otherwise Bank of America 's mistakes will cost me a lot of money. This entire situation is suspicious due to the fact that six years have passed since the final paperwork was signed but only now they 're trying to fix whatever mistake they really made. I need answers and I believe Bank of America 's actions are unethical at best and criminal and fraudulent at worst. 
I have included XXXX sets of documents ; the XXXX is the packet we received XX/XX/XXXX and the XXXX is the original documents from our modification. I have additional documentation if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed an account that is not mine on Equifax I would like them to resolve the dispute in a timely manner. I have filed a ftc report to support my claim so there shouldn't be any problem when removing this account from my credit report.