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

I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectity a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Experian notifying them of the reinsertion of the XXXX XXXX XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Experian has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Debt collection

I am not aware of receiving medical care from this company. Please investigate. 

Thank you.
Product: Checking or savings account

On XX/XX/2020, my ex-husband of 4 years walked into a Union Bank in  XXXX XXXX XXXX, California and fraudulently opened two accounts in my name without my permission. He opened these accounts in my married name, which I have not used for the past 4 years. Union Bank did not verify anything with me before opening these accounts. Today, on XX/XX/2020, I received an email about my " new account '' -- opened in a name I don't even use anymore -- saying that they received my Signature Card. How did they receive a signature card from me if I did not open this account? So I called the Customer Service line to close the account and Union Bank won't let me because I don't have the account number ( because I didn't open the account! ). Union Bank refuses to help me. This is fraud!!! 


ONLINE BANKING Confirmation for your new Union Bank account Dear XXXX : This is a confirmation that we have received your Signature Card for your new account ( s ) opened on XX/XX/2020. 

Thank You, Union Bank Questions? Call XXXX. Representatives are available Monday - Friday XXXX XXXX XXXX - XXXX XXXX. Pacific Time ) ; Saturday ( XXXX XXXX. - XXXX XXXX. Pacific Time )
Product: Credit reporting or other personal consumer reports

My identity verification was not validated and I did make a dispute
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

its very upsetting and has left a disturbing and distained feeling after viewing my credit report and seeing several fraudulent items on my report as an act of identity theft. a XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, i did mot authorize these accounts, and they were updated to my credit report without my knowledge or permission. under 15 US code 6802, financial institutions are required to protect my personal and under 15 US code 6803 they must inform me of thier policies to safeguard my data with a clear and conspicuous notice. these protections were not followed, allowing my information to be stolen and used. according to 15 US code 1681c-2 i have the right to block accounts related to identity theft from my credit report within 4 days of you receiving this complaint. these fraudulent accounts are damaging my credit report and effecting my ability to purchase a home for my family. i am requesting you to remove/block these fraudulent accounts from my credit report.
Product: Mortgage

I apply for loan modification from Shellpoint mortgage from there loss mitigation department due to decreased income but it has been a nightmare as they keep asking me a dozen times to submit the documents I already submit I believe I am a victim of preferential treatment one representative tell me one thning and when I call back I hear different story they just want to make me too lose my house for foreclosure by using systematic discrimination I uploaded all the required documents and even I am qualified for the home modification based on my current income to debt ration analysis but they just keep asking documents I already submitted with no solution so far,
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my TransUnion credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with TransUnion, they remain on my credit report, negatively impacting my credit score and overall creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are obligated to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, TransUnion has violated its legal responsibility to maintain accurate consumer credit information. 

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, TransUnion has failed to adequately investigate or remove the inaccurate inquiries. 

These unauthorized inquiries are causing undue harm to my credit profile and may result from identity theft or other unauthorized activity. TransUnions failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my TransUnion credit report and assurance that TransUnion will take appropriate steps to prevent similar inaccuracies in the future. 

Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore accuracy to my credit report. 



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

XX/XX/2022 XXXX I spoke to XXXX at transuion, he said he had a system error and wasn't able to remove i did not request a security freeze. i am applying for mortgage, WHen they asked me i wanted i said no this needs to be removed asap. Thanks
Product: Credit reporting or other personal consumer reports

Creditor Information XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Im not aware of this debt of {$1600.00}. I never signed a payment agreement with this company. Please show me my signature or remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now disputed this 2 prior times and I received a response that this is my collection debt. This is NOT MY DEBT and i have asked and asked numerous times to send verification if they believe this is mine. I show ID and for every medical appointment I go to.This is not my collection and I am in the process of getting a Mortgage and this is holding me loan up. Please remove this from my credit file as this is not MINE. 

First Federal Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I HAVE NEVER BROUGHT A CAR FROM XXXXXXXX XXXX NEVER ALLOWED ANYONE TO OPEN A LOAN IN MY NAME WITH THIS BANK. I HAVE BEEN CONTACTING CHASE FOR THE LAST 3 YEARS TRYING TO GET THIS INFOMATION CORRECTED WITH THEM AND THEY ALWAYS SAY THE DEBIT IS MINE I HAVE NEVER OPENED ANY LOAN WITH THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting have 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 that a consumer reporting agency can not furnish an account with out my written instructions 15 USC 1666B : A creditor may not treat a payment late for any purposes
Product: Vehicle loan or lease

Wells Fargo I was issued a check for XXXX from the overpayment of my deceased spouse 's car loan. I was informed to send the check back with proof of his death certificate and marriage certificate so the check can be reissued in my name, when I called the company they said they never deceived this documentation, which was sent on XX/XX/XXXX. In the meantime, I am out of money that is owed to me and I need that money to eat. Wells Fargo is a scam in every sense of their company.
Product: Debt collection

XXXX, Credit Acceptance and XXXXXXXX XXXX XXXXXXXX got a judgement against me for {$15000.00}. They never received funds, because I was not working to be able to afford them to take wages from me. The judgement disappeared until XXXX. They came after me for wage garnishment, and I believe they received a few {$15.00} payments from XXXX, even tho I wasn't making enough for them to take anything. 
I left XXXX and went to XXXX at the end of XXXX. It's now XXXX and they are now just coming after me again. I am so over this zombie debt! Credit Acceptance is very predatory. They need to be stopped!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX, DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX, XXXX XXXX
Product: Bank account or service

Dear Sir/Madam, Recently, Scottrade XXXX made the following disclosure to customers : https : //about.scottrade.com/updates/cybersecurity.htmlI would like to know if Scottrade Bank was also involved in this databreach. 

Sincerely Yours, XXXX
Product: Credit card or prepaid card

Chase closed all of my credit card accounts without notice. For background information, I have been a Chase checking customer for the majority of my life and I have had credit cards with Chase since 2015. My credit score is in the high 700s and I have steady income from full-time employment. I have also never participated in  manufactured spending or card churning. I was given no notice by Chase and only found out that my accounts were closed when my cards no longer worked. I was able to speak to XXXX, the account supervisor, who was extremely unpleasant and told me that my accounts were permanently closed for the following reasons : 1 ) recent increase in credit usage on a newly opened Chase business card, and 2 ) lack of credit history that shows I can manage a high credit line. She refused to offer any more information when I asked  and declined to listen when I tried to state my case. Regarding the first reason ( recent increase in credit usage ), I explained that I had recently signed up for the Chase business card to which she referred because of a promotional XXXX Chase Ultimate Rewards offer if I met minimum spend requirements. I therefore diverted all of my other spending to this business card because I wanted to meet the minimum spend requirements as soon as possible. My plan was to redeem these rewards points for a vacation flight as I have not treated myself to a real vacation in over a year. I thought this was reasonable as to why I would suddenly increase spending on a specific new account. XXXX 's only response was " we just don't feel comfortable doing business with you '' and refused to provide any more information. Regarding the second reason ( lack of credit history that shows I can manage a high credit line ), XXXX told me that I had insufficient credit history to show that I could manage the high credit line on my newly approved Chase Sapphire Reserve card. I explained to her that it was Chase that not only approved me for the card, but also provided me with that high credit line. XXXX 's response was that the lending department uses different information from the reviews department and refused to provide any more information. I told XXXX that I was more than willing to take lower credit lines, but she seemed to take immense joy in reminding me that all of my accounts were already closed and that this was a permanent decision. I am highly disturbed that Chase would approve me for a credit card, extend to me what it perceives as a high credit line, and then use that as justification to close ALL of my accounts. This line of reasoning is seriously flawed. When I tried to tell XXXX that I was struggling to understand the reasoning behind the account closures, she told me that if I had no further questions, she would disconnect the call. I reminded her I didn't have any questions, but was still struggling to understand, she proceeded to disconnect the call.
Product: Checking or savings account

On XX/XX/2020 I made a Financial Transaction between my Checking Account and my Trading Account ( Returned ). I also made a Transaction ( Credit ) after and hat also has not cleared. The Transactions were  Fraudulently tampered with by Federal Law Enforcement Agents through possible DHS FISA Surveillance Warrant. At this time through FOIA Request to the XXXX for confirmation of a XXXX Warrant I would like to File a Formal Grievance with your agency to investigate this matter on purely a Financial Transaction Investigations for possible Fraud. 

The Financial Transaction Fraud I believe was enacted in were from both my Checking Account [ Insufficient Funds ] and Trading Account [ Debit Declines and Withdrawal Errors ]. By the possible Fraudulent Activity that could have been enacted on a Federal Law Enforcement and I had to investigate XXXX Law Enforcement SurveillancXXXX or Counter Intelligence Operations. 

I am currently a XXXX XXXX Student. I worked in XXXX for the XXXX  XXXX XXXX and XXXX XXXX. The Checking Account [ XXXX ] is located in Washington D.C. with an office right next door to the Department of Homeland Security who are able to Electronically Surveil Americans only if the have a Federal FISA Warrant. At this time I am awaiting determination if my Checking Account has been compromised for Intelligence Gathering Purposes and or Counter Intelligence Operations. 

The other account in question is my Robinhood Investment Account. Robinhood is a XXXX Application that allows Traders to Trade Equities around the world. The possible Financial Fraudulent behavior that was going on that and was Debit Card Denials. Also withdrawals from the Robinhood Account have not made it to the XXXX XXXX Account as well. 

Given the Robinhood Trading Applications has Risk and Min Liabilities I took to Robinhood to remedy the Errors and they have to confirm correction of error. I have documented contact with the Platform, Copies of Transactions and Spread Sheets of all Trades [ Buy/Sell ] that have yet to correct. 

I will like your Agency to Investigate Robinhood and XXXX for possible Fraudulent Warrantless Counter Intelligence Activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to bring to your attention a great injustice done to me by my mortgage company Loancare LLC ( actually XXXX ) by reporting me to Credit Birou with a fake late mortgage payment. 
I have my mortgage on my condominium since XX/XX/XXXX and I paid every month in time. NEVER missing a payment or being late!!!! Working hard for over 10 years to build a great credit score of XXXX!!! 
In XX/XX/XXXX I received my last mortgage statement XXXX , my principal being XXXX ( XXXX! ) $ after I made the payment in time. In XX/XX/XXXX I contacted Loancare for payoff, I send a cashier check of XXXX in XX/XX/XXXX if XXXX. 8 days later I found that the cashier check is lost and I cancelled it and send a new one XXXX in XX/XX/XXXX. I also send it to you the received and the trucking number for the cashier check. 
With shocking surprise I receive in XX/XX/XXXX another bill for mortgage payment in sume of XXXX . 
When I talk with them over the phone they told me that is a mistake, that the system is still generating mortgage payments because my mortgage maturity date is XX/XX/XXXX. They also told me that I should disregard the bill and that they will fix the system and I will no receive another bill for mortgage payments!! 
After weeks of talking with Loancare on the phone, more than 14_15 phone calls and hours spended with them on the phone, I found out that they actually reported me beeing late and they XXXX my credit score from XXXX to XXXX now!! 
Is a big injustice!! Is fake, stressful and very dissatisfied after years of payments in time!! 
I consider Loancare beeing very unprofessional, fake, untrue, never looking for facts or verify the payments, just spreading fake informations. I will never look forward to deal with them for any other loan, never recommend them to anyone!!

Please fix my credit score or I will look for justice in court. Just check all the fact and bring the true to the life. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX XXXX XXXX Loan number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Portfolio Recovery Associates properly investigated this account because there are obvious inaccuracies. 

First off, the balance does not match. XXXX is reporting a balance of {$2700.00} while XXXX is reporting {$3300.00}. If this has come from the same furnisher there is no way the balances can be different. 

The account has been re-aged by XXXX and XXXX. XXXX is reporting the date of the last activity as XX/XX/XXXX while XXXX has reported XX/XX/XXXX. This is a clear XXXX difference and once again it is Portfolio Recovery Associates ' job to make sure this information is correct by conducting a proper investigation. 

Portfolio Recovery Associates has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the XXXX duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. 

Portfolio Recovery Associates has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to.
Product: Credit reporting

Transunion is incorrectly reporting my XXXX XXXX XXXX account as late ; charged off. This account is PAID IN FULL. The reporting was correct and was recently erroneously changed.
Product: Credit card

I hope this letter reaches you in good health and spirit. The reason why Im writing because I purchased a rental car from XXXX on XXXX for {$63.00}, XXXX  put a hold of {$300.00}. The {$300.00} is still in my balance but not in my transactions. This needs to be fixed. My transactions are not adding up with my balance because of that hold. I called yesterday and spoke to XXXX and she was no help and wasnt not even listening at all. I spoke to a man last week that saw what I was talking about. Can you please fixed my balance to reflect my transactions. This is on my credit card with Wells Fargo. Thank you very much for your time and help. Have a wonderful day and please continue to be safe.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to address the inaccuracies on my credit report, despite my efforts to rectify the situation. 

On XX/XX/2023, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. These inaccuracies have adversely affected my financial standing and credibility. 

Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, TransUnion has failed to acknowledge or act upon my dispute within the legally mandated time frame. 

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, TransUnion 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/2023, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to TransUnion, along with XXXX response as proof. I am now demanding TransUnion immediately and permanently remove the disputed items from my credit report.