23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2014 balance : Balance : {$0.00}
Product: Debt collection

I received a collection from TSI regarding an account with XXXX opened in my name with all my information. I have sent what the collection company requested to dispute this debt. I will contact XXXX as well. I am not responsible for the account.
Product: Debt collection

In accordance with the Fair Credit Reporting Act and the FDCPA this debt collector LVNV FUNDING LLC 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 states a consumer reporting agency can not furnish an account without my written instructions. 

A debt collector furnishing an alleged debt to my consumer report as an mean 's of coercing you to pay an alleged debt is extortion. Collection of extensions of credit by extortionate means is a violation of 18 U.S.C. 894 and also carries a criminal liability. 

Under the FDCPA, debt collector was required by New Jerseys Consumer Financing Licensing Act ( NJCFLA ) to be licensed as a consumer lender in my respective state this Debt collector Isn't allowed to operate in the state of New Jersey. 

Moreover, According to the FDCPA I'm clearly entitled to XXXX dollars per violation.
Product: Money transfer, virtual currency, or money service

I set up a Binance US account, I made a deposit for {$500.00} and it failed. I ended up making successful deposits totaling {$500.00} the same day XX/XX/21. 
On XX/XX/21 the failed {$500.00} was debited from my checking account and the transaction still says failed, the money essentially disappeared. They debited a total of {$1000.00} and only credited me {$500.00}. 
I filed a ticket # XXXX ( only option for contact ) including documentation the same day, didnt hear back and it wasnt until I started XXXX about it that they responded with We have inquired with our banking partner. That was XX/XX/21 Ive heard nothing back, despite trying to contact them. There are hundreds of other people having the same issue, some waiting for months with no answer. I need that {$500.00} back in my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been using a credit repair service to validate debts and inaccuracies on my credit reports. I've had several inaccuracies with GM financial getting a response or getting items confirmed. The issue is they are reporting several late payments including late payments in 2021 which are false reporting. I've provided XXXX  payment history to the firm representing me and GM has not verified, replied or removed the inaccuracies. They have also reported a repossession of my vehicle in XX/XX/2021 which is not at all true. I paid my vehicle off in XX/XX/2021 and have a copy of my title. Unfortunately they are reporting late payments especially in 2021 and can not or haven't verified with me or the firm I'm using. Now they have put a repossession on my credit. I am seeking for some accountability and fairness in this situation please.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inquiries that have been reported on my credit file, which I believe to be unauthorized. These inquiries appear on my credit report and were not initiated or authorized by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.
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 an 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

The certain personal information reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The information in question has been returned as verifiable ; however, the reporting company has not provided sufficient details on how this information was validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

RADIUSGLOBAL ( Original Creditor : XXXX XXXX ) Account # XXXX Date XXXX Balance : {$680.00} I do not have financial obligation on this account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes.Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please DELETE the account in my Credit Report : XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I was in a non-profit credit management program. Each month I paid a consolidator {$700.00} and they distributed it to my creditors each month. The program has been ongoing since XXXX 2013 until present. One of the creditors was Capital One ( account number ending in XXXX ). During that time period My credit reports show XXXX payments 30 or more days past due for this account while there is no problem with the other credit accounts. The due date for the Capital One account is the XXXX of each month. I obtained electronic records from my credit management company showing that each month funds were always transferred to Capital One electronically within 30 days of the due date. In XXXX cases a double payment was made the following month when a payment was missed, but in these cases the double payment was still within 30 days of the due date the month before and so no payments were 30 or more days past due. I discussed with Capital One representatives 4 times by phone and they refused to fix it. I sent them the electronic records ( attached ), but they still refused to do anything even with the undisputable evidence. I do not think they have anything to gain from this. They are just too lazy to make any effort to fix their mistake. I think this is all electronic and it is not easy to fix and so they just ignore me. This account corresponds to 80 % of my late payments in this period and I have been denied credit due to these incorrect records. My position is that as a reporter of credit information to the bureas the law requires them to correct information when they have clear evidence it is incorrect. By not honoring their obligations as a credit information reporter they are causing financial damage to me. I want them to fix this so that I am not further damaged by their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am grateful for the efforts the Credit Bureaus have done with my Credit Reports. I value the Credit Bureaus ' help to REMOVE a portion of the data on my credit file that came about because of a FRAUD yet I have Accounts and information left that should also be taken out or removed. Per FCRA section 605b, the Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Under the provisions of the FCRA section 605b, I am in need for the removal of the following fraudulent items completely from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX has failed the meet their end of a contract for services. 
They have shut down and are now sending me to collections with XXXX. 
They have not fulfilled their obligation and have stopped services leaving me to seek help elsewhere to fix the mess they left me in. I have disputed this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX bank account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX Bank account XXXX XXXX Has Violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not Furnish a account without my written signature or instructions.
Product: Mortgage

We experienced a loss due to hail, and a claim was submitted to our insurance company. After getting the check, we had to submit it to our Mortgage company, PennyMac, to sign the check. They would not just sign the check, even after signing an notarized affiliated stated we will get the roof repaired with the funds. 

We have been forced into a processes where they deposited the money in a special escrow account, and then made us go through a lengthy process of getting part of the money to start the job. This caused unnecessary delays in us getting our roof repaired. They had even promised to over night the check, after a ~5 day period. It took them almost 2 weeks to get the check out, and it was sent XXXX. 

After getting the job confirmed I called back to get an inspector out so they could inspect the job and give us the rest of our money. They failed to contact the company doing the inspection in the time they said they would ( XXXX hours ). Luckily I had pressed them to give me that companies name and number when I contacted them about getting the inspection. 

We are still trying to get the inspector out here so they can pay us the money to pay the contractor. PennyMac had demonstrated incompetency, lack of commitment, and have processes in place that force all the responsibilities on the consumer, instead of themselves since it is their requirements. I have spent hours on the phone trying to manage them, trying to work with my roofing contractor as he deserves to get paid for the work.
Product: Vehicle loan or lease

Call flagship credit to have them report my payments to the credit bureau spoke with a supervisor and she assured me that she would contact the person who is responsible for reporting to the credit bureau. That was in XXXX and XXXX to no avail they still havent reported to the credit bureau yet. Now Ive paid off the car on the XXXX of XXXX and spoke to a representative who said the info would be reported on the XXXX of XXXX. Now its XXXX XXXX and still it hasnt been reported yet. 
Flagship credit acceptance LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, 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: Credit reporting or other personal consumer reports

Experience has failed to fulfill, is legal obligation under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of dispute information on my credit report leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau, CFPB has recently filed a lawsuit against Experian, alleging systematic issues such as spelling to forward consumers provided to evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes, these failures align with Experian where Experian has neither corrected nor removed dispute items despite the evidence I provided, causing on going harm to my credit Standing. I am requesting immediate corrective action to remove or amend the dispute account, as Experian in action violation, federal law in my right as a consumer.
Product: Mortgage

XXXX title company overpaid my mortgage loan payoff at closing on XXXX/XXXX/2015. I contacted the servicer/lender ( OCWEN XXXX XXXX ) in writing via their on-line support on XXXX/XXXX/2015 and requested a refund of the over-payment. I received a secure confirmation of my request on XXXX/XXXX/2015 from their system. The servicer/lender did not process the refund until XXXX/XXXX/2015 in violation of the regulation. I have not received reimbursement as of XXXX/XXXX/2015. 
XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( XXXX ) Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer ;
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I sent a check to PNC Bank bank to pay off part of the balance on my PNC Premier Traveler Visa credit card. The check that I sent was in the amount of {$490.00}. On XX/XX/XXXX my account was erroneously credited with a payment of {$95.00}. At no point have I ever sent a payment in the amount of {$95.00}. And I have confirmed that my check of {$490.00} was deposited by PNC Bank ( I have included a copy of the cancelled check ). They clearly deposited my check, but credited my account with the wrong amount. 

On XX/XX/XXXX I contacted PNC about the issue of the wrong amount being credited to my account. They opened a case for me ( Reference # XXXX ) and sent it to the Retail Escalation Team. I have since been in contact with this team numerous times including : XX/XX/XXXX - I received a call from the Escalation Team and explained the issue. They said they would try to look up the check internally, but it would be helpful if I could send a copy. On the same day, I faxed a copy of the cancelled check to XXXX XXXX from the Escalation Team. 

XX/XX/XXXX - I called PNC again to follow up and see if their was a resolution. After spending 1 hour on hold trying to get through to the Escalation team, I gave up. 

XX/XX/XXXX - I called the Escalation team again. I was told that XXXX XXXX had the fax, but I needed to wait for someone to review/approve it. 

XX/XX/XXXX - I received a voicemail from XXXX XXXX, but it did not include any information about a resolution to this situation. I attempted to return his call on XX/XX/XXXX, but there was no answer and I left a message. I called again on XX/XX/XXXX and again there was no answer and I left a message. 

It is now nearly a month since they received my original payment, and they still have not fixed the problem. In the meantime, my credit card bill was due on XX/XX/XXXX and I was forced to pay an additional {$400.00} to make sure they did not start charging me interest. While I understand that occassionally mistakes happen, I have given PNC Bank ample opportunity to fix this issue and they continue to drag their feet while I am out an extra {$400.00} due to their error.
Product: Debt collection

First Bank XXXX XXXX  Account XXXX I contact few time the Bank but the Representative not want to talk about this account Is Not possible for a original Creditor to Report a Balance on a Account that they Charge off because by definition of GAAP [ General Accepted Accounting Procedure ] .This Debt was been writing off to a Un Collectable and on a Company Profit & Loss Statement of the Financial Report And also can not be a Due Balance on a Charge Off
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not yet received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be removed promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

Since XXXX I have been going back and forth with American Express to waive the annual fee for XXXX. ( XXXX XXXX service member ) {$700.00} annual fee Multiple times they have enter the incorrect request such as XXXX. They keep apologizing and stated that the correct request is put in now and I need to wait an additional 60 days. I have been going through this with them for almost 120 days and they are unable to provide any update or escalation. 

Meanwhile the interest charges keep accumulating. I find this to be a dis service for military considering it was there mistake in the first place and I'm left clueless and noone has any answers. 

I have sent them my military order, ID, and XXXX letter showing that I am XXXX XXXX and they still keep my status PENDING and have not waive the annual fee.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My card and personal information was obtained and I received a fradulent charge of {$200.00} to my Chase checking account. At the same time I got an email XXXX with hundreds of emails claiming that accounts were open. The charge was to a XXXX XXXX in another state half way across the country. After filing a claim and receiving a new debit card, my claim was reversed and I was charged with no explination of how the determination was reached that resulted in the denial. I was also told that I would be unable to dispute the findings unless my card had been lost or stolen prior to the fradulent charge.