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

I am filing a formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the account reported under XXXXXXXX XXXX XXXX. ( partial account number : XXXX ). The reported information contains multiple inaccuracies and inconsistencies, and despite previous disputes, TransUnion has not corrected the issues as required by law. 

Specific Violations and Detected Inconsistencies 1. Inaccuracy of Reported Information ( FCRA, Section 607 ( b ) ) : - The account status is reported as " Derogatory '' by TransUnion, while XXXX reports it as " Closed. '' - Dates for account opening, last report, last activity, and last payment are inconsistent when compared to data from other agencies. 

- Fields in the payment history are incomplete, with blank spaces instead of accurate information. 

2. Lack of a Reasonable Investigation ( FCRA, Section 611 ( a ) ) : - Despite previous disputes submitted to TransUnion, the inaccuracies in this account have not been corrected. This indicates a failure to perform the reasonable investigation required under the FCRA.

3. Impact on Payment History ( FCRA, Section 605 ( b ) ) : - The payment history section is completely blank, which fails to accurately reflect the actual activity of the account.

4. Incomplete or Missing Credit Limit Information ( FCRA ) : - The reported credit limit of {$2700.00} shows discrepancies when compared to information reported by other credit bureaus, raising concerns about its accuracy.

Additional Concerns TransUnions continued failure to address these issues after previous disputes reflects noncompliance with 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct timely and reasonable investigations.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX, XXXX, XXXX Former : XXXX XXXX  Former : XXXX XXXX XXXX Previous Address XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Employers : XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$63.00} XXXX XXXX XX/XX/XXXX {$53.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$430.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$750.00} Late Payment XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was advised by XXXX XXXX at omni mortgage that he could doing my mortgage and after 6+months and tons of personal documents and all, there is no information or whereabouts where my documents are. There is a big concern on how they do business and XXXX XXXX uncle who owns Omni Mortgage XXXX has not reached out to me after numerous calls to him and their staff XXXX. 
I 'm filing a complaint with the attorney general as well.
Product: Prepaid card

This is for the CA XXXX XXXX XXXX Refund, {$350.00} that the state of California sent me and they were through the company " Money Network, '' website XXXX the refund was giving through a prepaid card. I knew about this refund, I never received it in 2022, when i saw it on the news that many people were not getting their refunds, i did a research and called the company that was supposed to issue this prepaid card. This was around XX/XX/XXXX, I contacted them and they told me they had sent me the card and the money was deposited from CA in XX/XX/XXXX and they sent me the card, and the funds had already being withdrawn from the account. I asked them, how is this possible? I never received it, and my mail was never stolen either. They sent me another card and filed a dispute for the charges I didn't make. XXXX  months later, they deny to give back the funds that I never spent, they said they were legit, which its a complete lie. I filed an appeal, which they said it was XXXX  months to resolve. This should have been resolved in XXXX, as of this day, I never got an email back or a response from my appeal. This thieves either kept the money themselves or the postal office knew about this and they are stealing it and never emailing them, the card they actually sent me and I received it with XXXX funds looked like the envelope had been tampered with.
Product: Checking or savings account

I have been using the chime banking service for 3 years with great results. on friday XX/XX/2022 my checking, savings and Credit card were closed suddenly at XXXX via this email. 
" XXXX XXXX, Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2022. 

If you have ACH Debits or recurring debit card payments, please notify the originators immediately to avoid disruption with your future payments. ACH debits and recurring debit card payments may be rejected after XX/XX/2022, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. '' I was never call or contact out side of XXXX emails. I attempted to call the customer service only to be deferred to the support chime email. I contacted Chime through intsagram and XXXX only to get the same prompt telling me to expect an email regarding the matter. on monday XXXX XXXX 2022 i received and email form customer support to send documents stating my case " Thanks for reaching out to Chime Member Services. Let me inform you that I was able to see that Chime has identified loads to your account not in compliance with its internal policies & the member agreement executed at enrollment. 

To potentially access any remaining funds, send govt ID, secondary ID OR proof of address, an explanation, & any docs you have verifying the source of the account loads & yourself as the intended recipient. '' I sent XXXX government ids, a list of my recurring deposits and returns from the last 3 months. and was told to wait 2-3 days to be updated. As XXXX pm XX/XX/XXXX I had not received anything prompting me to send another email only to be told " I apologize for the inconvenience of this situation. Unfortunately, for security reasons, Chime is unable to disclose further information about the closure of your account. For full details, please reference the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : https : //www.chime.com/policies '' I have read this article thoroughly and determined none of my actions violated their user agreement. as I thought this was a simple mistake ii assumed it would be handled as chime had exhibited excellent customer service to that point. But Chime has be been purposely making this process impossible to deal with via normal means of communication. I've learned many others has experienced the same issue as a part of their fraudulent activity security system. I read their agreement nothing I've done is in violation. All deposits ive made were repeat transactions over the past year.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

Hello! My name isXXXX XXXX. I was looking for interior design school online and found XXXX XXXX company, I started to see info about that course in their website and wrote them that I may apply for the program, but after a few days I called them and said that I will not study in their online school because it was a bad reviews about them and I started to look for another school. After 3 weeks I received a collection Ability Recovery Service letter that I owed XXXX XXXX {$780.00}. I was in shock because I didnt attend even one day of their school online and now I understand why it was a bad reviews about that school who is filing for collections as a fraud. Please help me to resolve that problem, because I called them and they didnt care, they repeated that I owed money. Its a real fraud what they are doing.
Product: Student loan

On XX/XX/XXXX I was placed on a student loan as a co signer without my consent or physical presence to sign the loan. I have finally received copies of the loan documents that prove that fact. i have reason to believe that the Art institute of Austin TX allowed my step daughter to fraudulently sign my name to the loan as it appears to be her handwriting. there is another loan taken out the year prior ( XX/XX/XXXX ) for which i did actually sign and accept cosigner responsibility.. if you compare the signatures you will see vast differences in signature style. At the time of the first loan being taken out, i also provided my drivers license to be photo copied and placed in the record. I believe that for the second loan, the school pulled the copy of the license from the first loan and re-copied it to place in the second loan file. you will also notice the signature on my drivers license matches the first loan from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help to dispute from a friend of mine, he recommended me to start disputing the inaccurate information, So I did, months went by and I was able to remove some of the accounts, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and I saw a new erroneous collection account on it, I am reaching now CFPB website to file a complaint for this account that is not mine, I am expecting XXXX XXXX XXXX XXXXXXXX '' to be remove from my report because I am not the debtor of this account, hopping for good results to come in my next update credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute an item with Equifax and could not ever reach anyone.. My report with Equifax was fine originally, but for whatever reason Equifax decided on their own merits to show it now late. XXXX   has updated their records regarding the student loan account.. If Equifax doesnt comply and soon, then I feel the only option left for me is to pursue a remedy in either small claims court or through the federal court system. The item in dispute is an account from from XXXX ( a private student loan service company ). 

The student loan was in constant deference until it was transferred to another agency where the loans were entirely discharged due to my XXXX  XXXX. XXXX continuously reported the loans late on my credit even though they never were. I have proof from them that now that erroneous information has been corrected. That the credit bureaus are lacking in correcting my data in a reckless and dangerous not to mention callous manner.
Product: Debt collection

XX/XX/XXXX- Called the XXXX Doctors office in XXXX to request information of debt and they could not locate the amount owe. Promised to call back with information but never did. 
XX/XX/XXXX - Called XXXX again and this time the operator asked me to leave a voicemail to the financial department since she could not locate the amount I owe. I attempted to make the payment online too from the bill I had received in XX/XX/XXXX but could not process the payment. 

XX/XX/XXXX - Again called XXXX and was informed that charge must have been resolved with the insurance company XX/XX/XXXX - Charge of {$75.00} dollars delinquency appears in Credit Report ( Score was XXXX and now its XXXX )
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 Western Union charged my debit card a total of {$2600.00} for six money transfers to XXXX XXXX I never authorized. When I called the company to report these unauthorized transfers they refused to reimburse my account. The transfer numbers are as follows : XXXX ( {$950.00} ), XXXX ( {$940.00} ), XXXX ( {$170.00} ), XXXX ( {$180.00} ), XXXX ( {$170.00} ) and XXXX ( {$180.00} ). All transfers were made to XXXX XXXX XXXX in XXXX. I did not know about the transfers until they appeared in my XXXX account. I suspect someone hacked the Western Union transfer system. When I contacted Western Union about these unauthorized transfers, they refused to accept responsibility and would not refund the funds. I send XXXX XXXX {$50.00} on Friday XX/XX/XXXX which he picked up. The unauthorized Western Union transactions did appear in my Western Union account. I noticed them after after noticing the unusual withdrawals from my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Date of Inquiries : XX/XX/XXXX Companies : Exeter Finance XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Vermont, XXXX, XXXX, XXXX XXXX XXXX XXXX hard inquiry done by XXXX XXXX XXXX, P.O. Box XXXX, XXXX, Texas XXXX, XXXX Dear Sir or Mam : Please be advised that all of the above finance companies did a hard inquiry on my account without my permission. I have drafted a letter asking them to take this off my credit report. After my bankruptcy discharge I received letters from each of them but I did not take any action and apply for any loans for an automobile. Please assist me in getting this taken off my credit. I am trying to rebuild my credit and this is so unfair of these people to drag my credit down again after I tried to make a new start. 

I would be grateful for any assistance you can give me. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Please don't publish my identity.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence regarding the unresolved dispute concerning the inaccurate and misleading accounts on my credit report. Despite my earlier attempts to resolve this matter, the issues remain unaddressed, and these errors continue to adversely affect my credit scores.
Product: Checking or savings account

Transactions for Bills or necessities process for several days and then im charged late fees. Transactions that were processed can not be disputed until processed and if the transaction wasn't meant to be transacted my money is not put back in account by bank.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Debt Validation and Cease and Desist Dear To Whom It May Concern, I am writing in response to a recent debt collection notice from your office regarding account number XXXX. To ensure that I am communicating with the correct party, I request that you provide documentation validating the debt in question.

Under the Fair Debt Collection Practices Act ( FDCPA ), I formally request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the amount you are claiming is owed, including documentation of any contract or agreement related to this debt. 
XXXX. Records of all assignments showing the transfer of the debt from the original creditor to your agency. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation of any assignments from the original creditor to a secured trust and back to the original creditor. 

Please cease all collection activities until you provide the requested validation of this debt. Additionally, I ask that you refrain from accessing my credit report or reporting any information to the credit bureaus regarding this debt, as I dispute its validity. Should you have already reported this debt, I request that the dispute be noted on my credit report. 

Please also clarify your permissible purpose for accessing my credit information, as I contest your right to do so. 

Furthermore, I dispute the validity of this debt and request that any future collection agencies you may transfer this debt to be made aware of this dispute. 

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

Sincerely, XXXX XXXX
Product: Credit card

I applied for a credit card under Bank of America Reference XXXX. They keep saying I need to provide tax returns for an application that they said I was already approved for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} Inquiry Included in Dispute : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint on XXXX in regards to Equifax reporting inaccurate information. The complaint was closed stating the account was verified. Equifax stated my account was properly investigated, however the following are still reporting inaccurately : Date Opened, Last Reported and Two Year Payment History just to name a few ( please see yellow highlight for each account attached ). Also 2 accounts were added in XXXX to my credit report and they are not my accounts ( also attached ). This has been an ongoing issue for over 6 months now and my rights have been violated according to the Fair Credit Reporting Act : 15 USC 1681 section 602a states I have the write to privacy.

15 USC 1681 section 604a Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXXXXXX XXXX XXXXXXXX. I do not have a contract with XXXXXXXX XXXX XXXXXXXX. They did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, 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 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 XXXXXXXX has violated my rights. 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: Vehicle loan or lease

The following company is using my information without my consent. I asked the company to validate proof that I gave them consent to use my information and place negative information on my credit profile. After numerous complaints to the company no action was taken. I demand that this company remove these negative remarks off of my credit file due to the fair credit reporting.