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

XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute and Demand for Removal of Late Payments from My Credit Report Account Number : XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute the late payments reported by [ XXXX XXXX XXXX on my credit report with XXXX I have been disputing this matter through the CFPB, and while I have received a report indicating that the information has been verified, I have not received any proof or detailed documentation supporting this verification. This lack of response, coupled with the lack of evidence, is a clear violation of my rights as a consumer. 
The late payments in question are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As you are aware, under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, consumers have the right to a thorough investigation into reported information and to receive clear documentation supporting the accuracy of the late payments. However, XXXX has not complied with these requirements, sending me only a credit report with no proof of the investigation conducted. This is not only a violation of the law but also a violation of my right to privacy and to accuracy in my credit report. 

Additionally, I already sent a formal letter to XXXX XXXX on XX/XX/XXXX, requesting the removal of these late payments due to the lack of evidence. I have not received any response within the time frame stipulated by law. This lack of response from the creditor further reinforces the lack of validity of the reported late payments. 
Under the FCRA, if the accuracy of the information on my credit report can not be verified, it must be removed. Therefore, I demand the immediate removal of these late payments reported by [ XXXX XXXX XXXX XXXXnd the updating of my credit report to reflect accurate and positive information. 

If TransUnion can not provide evidence of the accuracy of this information or does not conduct a proper investigation, I will be forced to take further legal actions, including formal complaints with the FTC and the CFPB, which have already been filed. 

I expect a prompt resolution of this matter. If this issue is not resolved immediately and in accordance with the law, I will proceed with the appropriate actions to enforce my rights. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : Copy of the letter sent to [ Name of Bank or Provider ] Copy of the credit report showing inaccurate late payments Copy of the complaint filed with the FTC Let me know if you need any further adjustments.
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 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 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 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

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a text message notification from XXXX XXXX XXXX XXXX ( credit monitoring service ) notifying that XXXX XXXX had reported my account 30 days late to TRANSUNION on XX/XX/XXXX. I immediately contacted XXXX XXXX and spoke to their Customer Service Supervisor. He went over my account and acknowledged I shouldn't have been reported late to TRANSUNION, since I was 27 days late when I made a payment in the amount of {$220.00} on XX/XX/XXXX ( which covered 2 installments in the amount of {$110.00} each, due on XX/XX/XXXX and XX/XX/XXXX ). The next payment in the amount of {$240.00} made on XX/XX/XXXX was also 27 days late ( which covered 2 installments in the amount of {$120.00} each, due on XX/XX/XXXX and XX/XX/XXXX ). A subsequent payment in the amount of {$370.00} was made on XX/XX/XXXX ( which covered 3 installments in the amount of {$120.00} each, due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX plus a {$17.00} late fee. The Customer Service Supervisor promised he would contact me again in the next few days and assured me it would be taken care of by notifying TRANSUNION of the mistake made by them. That same day ( XX/XX/XXXX ) I also filed an official credit dispute with TRANSUNION. I never received the follow up call I was promised from XXXX XXXX 's Customer Service Supervisor. 
Finally I received a Complaint Acknowledgement letter from XXXX XXXX dated XX/XX/XXXX stating the reason I was reported 30 days late to TRANSUNION was due to a late fee charged to my account in the amount of {$17.00}. 
I replied to XXXX XXXX on XX/XX/XXXX stating my disagreement with their decision to report my account 30 days late to TRANSUNION. The female Customer Service Representative who processed the payment in the amount of {$220.00} on XX/XX/XXXX advised me a late fee in the amount of {$20.00} was being assessed to my account, clearly stated there was no need to pay it at that time and would be added to my account balance. She did not warn me at any time if not paid at that moment I could be reported to the Credit Bureau. As a matter of fact, when I made a payment on XX/XX/XXXX I inquired with XXXX XXXX XXXX Customer Service Representative XXXX and he advised me there was no need to pay any outstanding late fee in order to bring an account to current status. 
I never received a reply to my letter dated on XX/XX/XXXX. I sent a second letter to XXXX XXXX on XX/XX/XXXX and received a reply on XX/XX/XXXX stating they had completed their investigation of my dispute and the information furnished to TRANSUNION was accurate. 
I had an unblemished credit record until XX/XX/XXXX and this has seriously hurt my credit score and credit worthiness since then. I had never been reported to any Credit Bureau in the past. I find it extremely unfair and a non-ethical business practice for XXXX XXXX to provide inaccurate information regarding the assessment of late fees and not warn the customer to fulfill it at the time a payment is made or face the consequences of being reported late to the Credit Bureau.
Product: Mortgage

Nationstar Mortgage ( d/b/a Mr. Cooper ) has cashed all of our insurance checks we received for damage on our home from Hurricane Irma and from plumbing floods. Those checks total {$190000.00}. Nationstar has had the bulk of that money for 6 months, with another {$78000.00} in the last month. They have refused to disburse funds to us, except for {$37000.00} after we had already spent {$90000.00} of our funds. We submitted all the documents they asked for. We have been financing the repairs at 5.75 % using an equity line on another home. The loan to value ratio on the house is less than 50 %. The loan is approximately $ 300K and the value of the house is approximately {$660000.00}.

We have spent countless hours on the phone ( mostly on hold ) and have sent faxes and emails and have gotten no response. This is a deliberate plan to hold our money, even after the work is about 75 % complete. They sent an " inspector '' who spent 5 minutes, took a few photos, then demanded I sign a blank form as to the current status of the repairs.
Product: Vehicle loan or lease

I purchased a car with my mom at XXXX XXXX XXXX. I was experiencing transmission issues and I was told that I need to take the car to the XXXX dealership. At the XXXX dealership I waited a month to find out the car needed a transmission replaced and I was going to be the one to foot the bill. I personally performed oik changes which XXXX XXXX XXXX found no issues with oil or engine performance. The failure of the transmission was the only thing that was wrong with the car. I was told that the warranty was included with the purchase of the car and because of the amount of mileage I had put on the car i had to have receipts for the oil changed. I don't understand why they failed to cover the warranty stipulations during signing. The finance company offered no assistance. Now we have a repossession on our credit and we're out of car which cause the loss of my job
Product: Debt collection

After reviewing my credit report I found a collections on my report from IC Systems Inc. The original debt that was stated on my report was from XXXX XXXX. I have never had an account with XXXX XXXX. My mailbox was broken into several times over the last 5 years. This account was open fraudulently and I contacted the collections agency several times to delete this from my credit reports. The collections agency has not delete this account yet. This is not my debt and I have never had an XXXX XXXX  account and want this collections deleted ASAP.
Product: Mortgage

I was approved for a loan above what I could afford or even the actual value of my home, by neighborhood loans, which was sold to us bank. At the time I was working part time making XXXX an hour. I got approved for a loan for {$88000.00}. I have been trying to sell the home for months in order to break even but no one is willing to purchase. At the time the under writer mentioned that the appraiser didnt even compare homes in the area but went outside my district. Also I was told by the broker that I didnt need to get someone ' to inspect the home because it was a condo. I feel like it was extremely predatory of them to try to just close the deal without my best interest, especially as a first time buyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
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 Delete this account.
Product: Money transfer, virtual currency, or money service

A women named XXXX XXXX friended me on XXXX, sent me a message and we began chatting. Here account link is XXXX XXXX XXXX XXXX XXXX She asked to chat on XXXX and gave me her number and I gave her mine. Here number is : XXXX XXXX XXXX. She first messaged me on XX/XX/2021 and said she lived in XXXX and New York. 
After two weeks of chatting on XX/XX/2021 she brought up the subject of crypto currency and investing in mining in ETH crypto mining in my Coinbase Wallet. She said that it is a safe investment with good returns and she could show me how to do it. She said I could start out with {$1000.00} and would be making {$5.00} dollars per day mining ETH crypto currency and the more USDT crypto currency I had in my Coinbase Wallet the higher my returns. She also said that the mining platform is a part of Coinbase which is safe and secure. 
She instructed me how to set up the platform in my Coinbase Wallet and I added {$1000.00} dollars. I began to see the returns that she promised. She began to message me every day telling me I should add more funds and I am missing out on great returns. By XX/XX/2021 my total funds invested were {$37000.00}. Later that day the total amount of funds was withdrawn from my account without my permission. I messaged her to ask why this happened and she said I would have to deposit funds totaling {$150000.00} to withdraw the original funds which I did not do. I reported this to Coinbase and they said that my Coinbase Wallet was compromised and there is nothing that they can do. 
After researching this I found out it is a scam out of XXXX called XXXX XXXX  run by the XXXX XXXX or XXXX and that many people have had hundreds of millions of dollars stolen. What is worse I recommended this crypto mining scan to two friends who lost {$32000.00} and {$52000.00} from what I thought was a secure investment. 
The crypto mining websites I was using were : XXXX, XXXX & XXXX all of which are registered in XXXX XXXX XXXX Coinbase has done nothing to help me recover these stolen funds.
Product: Money transfer, virtual currency, or money service

I have {$1700.00} in my USD wallet on Coinbase. OnXX/XX/XXXX XXXX Coinbase closed my account without warning or reasoning. Coinbase is not providing me with an option to get my money back and there is no linked bank account for me to recieve my funds. On XX/XX/XXXX I contacted their support and had ticket number # XXXX assigned to my case. OnXX/XX/XXXXI recieved an email from their support team asking for a screen shot of the issue i am having in which i replied the same day.I informed them that i have only made wire transfer deposits and never linked my bank account. It is now XX/XX/XXXXand i have still not gotten any help. I need my money back and every time i call support nobody will help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all accounts that have dates that are old and affecting me obtaining credit.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v grabens ( mo ) 281 SW715.719 resume that no proof of the alleged debt. nor therefore any such that in fact, therefore exist. ( please remove these accounts before I seek litigation defamation of character. ) XXXX XXXX XXXX XXXX balance {$310.00}, XXXX XXXX {$0.00}.
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 Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX 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 XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX  ) XXXX ( Original Creditor : XXXX XXXX ) XXXX ( Original Creditor : 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

Submitted dispute stating XXXX XXXX XXXX account on my report not showing current balance of zero and account being closed/transferred to another servicer with Transunion, XXXX, XXXX XXXX. All disputes were submitted on/around XX/XX/XXXX and XX/XX/2022. On XX/XX/2022 received dispute results stating all information was verified. There was no change to the account balance or account status. Additionally XXXX XXXX has an announcement on their website that they are no longer servicing federal student loans. My federal loans were all transferred to XXXX on XX/XX/2022 which are currently showing on my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX Tx XXXX Current Employer : XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. These items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$8300.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}