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

I am writing to express my deep dissatisfaction with the multiple unsuccessful attempts to remove unknown inquiries from my credit report. I have diligently followed the dispute process outlined by your bureau, yet the unauthorized inquiries persist on my credit file. 

I have attached copies of the dispute letters, along with the supporting documents, for your reference. 

This situation is not only causing undue stress but also has the potential to harm my creditworthiness. I am particularly concerned about the negative impact this may have on my ability to secure favorable terms for future financial transactions. 

I request that you conduct a thorough investigation into this matter and provide a detailed explanation for the persistence of these unknown inquiries. Furthermore, I expect prompt action to rectify this issue and a confirmation of the removal of these unauthorized entries from my credit report. 

If this matter is not resolved within the exact timeframe from the date of this letter, I will have no choice but to escalate my complaint to relevant consumer protection agencies and legal authorities. 

I believe in the importance of a fair and accurate credit reporting system, and I trust that your bureau will take the necessary steps to address and rectify this situation promptly. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX  Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, u
nless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit card or prepaid card

The merchant never delivered its product. Agmented Glasses worth {$470.00} despite numerous calls/emails. I filed a claim with disputing department of my credit card bank, Bank of America. The purchace was made on XX/XX/XXXX this year. 
The company is XXXX located in XXXX XXXX, CA
Product: Credit reporting

some one used my social securty number to open utility accounts now i can not create social security account
Product: Credit reporting, credit repair services, or other personal consumer reports

Unlock my balance, I never put any outstanding balance please remove it from my account. This account is not mine
Product: Student loan

I submitted for my repayment plan to be from Income Drive Repayment to Extended Graduate Fixed on XX/XX/XXXX. On that day, I called in and I was told that it would take 10 business days to process. That time passed so I called in again on Thursday, XX/XX/XXXX, I called in again and I was told the repayment would be processed by Tuesday, XX/XX/XXXX. On the XXXX, I called in again and I talked to XXXX - ID XXXX and he told me my plan would be changed start XX/XX/XXXX for {$310.00}. I asked him to send me written confirmation and he said it would be sent that night or the next day. I expressed to XXXX that I did not feel comfortable leaving the call until I received written confirmation because it took me so long to get this information after being told different information on each call. He refused to send an email for written confirmation to me. I expressed again that I didn't feel comfortable leaving the call until I got that information and he said, " you can hold all day but you are not getting an email ''. I asked to be escalated to a manager which lead me to XXXX - ID XXXX. XXXX started with the call that I would not receive an email and if I wanted to wait on the call, she would just put me on hold and I would be forced to wait. I found XXXX who claims she was a supervisor at XX/XX/XXXX to be disrespectful, rude and not qualified for her position. Each time I tried to explain why I was looking for the written confirmation, she would speak over me. I asked why she kept speaking over me and she would not answer. Instead, she told me my request would never happen. I started trying to go into my detail about my position and XXXX hung up on me. 

I would like to report both employees, get written confirmation, and have both employees written up as well.
Product: Mortgage

Residential construction loan. Bank and title company failed to disclose XXXX requirements that would have influenced decision to enter into construction loan agreement with bank. Bank failed to properly administer loan during draw and final funding processes. Title company failed to pay property taxes with funds collected directly from borrower. 
Specific issues : The day before closing the bank notified me that they needed certified funds of {$110000.00} from me at closing to complete the construction agreement. The funds were to be held in a " loans in process account '' and given back to me through the construction draw process. This was never disclosed prior to scheduled closing. I was stuck at that point. I paid the funds and never received any accounting of the funds being held nor was I paid interest on the funds that were held for months for disbursement. In order to recover the funds I was required to submit notarized affidavits to the bank certifying that all work was completed before it actually was completed. Final draw funding was refused by the bank until I complied with a different set of requirements, separate from prior draw requirements. After final funding and modification to fixed rate loan, title co. Collected 2016 taxes not yet due. They failed to pay the taxes when they became due and taxes remain delinquent and unpaid.
Product: Checking or savings account

I have had a trust account with Arvest bank in XXXX, MO. since XXXX, solely in my name and I am sole trustee of the trust. In XX/XX/XXXX I mistakenly signed a Durable Power of Attorney naming my grandson as my DPOA when I thought it was only Medical POA. My grandson and his mother immediately put me in a XXXX XXXX  and tried to sell my house and auction my belongings, he denied any of my family visiting me and frequently yells and curses at me that I am incompetent. He was reported for XXXX XXXX by my extended family, I hired an attorney, and I was moved back into my home by my extended family XXXX XXXX XXXX 
While I was in the XXXX XXXX my grandson went into Arvest branch XXXX on XXXX XXXX on XX/XX/XXXX requesting through XXXX XXXX XXXX to take over my account showing them the DPOA form. He was declined by XXXX XXXX. Then on XX/XX/XXXX, an Arvest employee named XXXX XXXX ( who is friends with my grandson ) signed over both of my accounts to him. And listed him as trustee of my trust. I am still sole trustee of my trust, and DPOA does not amend a trust. Since then, my grandson has not consulted with me at all or allowed me any access to my money. 
My attorney informed Arvest manager XXXX XXXX that I have not been deemed incompetent and no event has happened to trigger a DPOA taking over my finances. And even if it had I can not be removed from my account and cut off. XXXX XXXX responded that we would have to take them to court and subpoena them. My attorney issued a subpoena XX/XX/XXXX, requesting all documents that showed how and why my accounts were given away. We received the documents XX/XX/XXXX and all Arvest provided was the documents mentioned above - the DPOA being declined and then removing me from my accounts totaling over {$100000.00}. 
I have revoked my grandson as my DPOA and it was also sent to XXXX XXXX. It was ignored. My grandson only speaks to me to yell at me and tell me I am crazy and he is in charge and there is nothing I can do to change it. 
I also have an account at XXXX XXXX, that I still solely manage and have full access to. My grandson also tried to take over these accounts in XX/XX/XXXX but was also denied. XXXX XXXX has been linked to my Arvest accounts for years to transfer funds back and forth. I authorized my advisors to pull {$80000.00} out of Arvest and into my XXXX XXXX account XXXX XXXX XXXX On XX/XX/XXXX my grandson called XXXX XXXX demanding his money be returned to him because Arvest is his account only in his name. He was told he is not their client and they can not share account information with him. He then called me to cuss me out and yell at me again and to get me to return the money to Arvest. When I wouldnt he called my advisor back and yelled at her that he was filing a dispute with Arvest to have his money returned, and that he is going to get guardianship over me so my XXXX XXXX accounts would be his too. My advisor consulted with XXXX XXXX management and they said to report this and file a police report.
Product: Credit reporting or other personal consumer reports

Negative comments and constant negative credit reports on my credit report as well as inquiries without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Your company checked my credit report and put a inquiry on my report without my consent i never authorized your company to check my credit report without my knowledge. Please remove the inquiry i did not give you permisson to check my credit report. I dont have a account with your company. I wrote letters to you in XX/XX/2021 asking you to remove the inquiries i have not heard anything from you and wrote letters to XXXX  XXXX  and XXXX  credit bureaus.
Product: Credit reporting or other personal consumer reports

WHILE GOIN OVER MY CERDIT REPORT I NOTICE A NUMBER OF UNFAMILIAR ACCOUNT IN INQURYS THAT I DID NOT AQRIUE AFTER REVIEW THIS INFORMATION IVE TOOK STEP WITH THE LOCAL PD TO HAVE THESE ISSUE INVESTIGATED IN WOULD LIKE THEM TO BE REMOVE OF MY FILE.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX Balance Owed : {$7000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair Credit Reporting act XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A States I have the rights 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 XXXX XXXX account XXXX
Product: Checking or savings account

Chase Bank has willingly and knowingly giving out my banking information to XXXX XXXX XXXX dating back to XXXX without my consent with no regards to my privacy rights. I have a right to privacy. I was not aware of this until i requested my early warning services report that displayed my banking transactions and I did not give Chase Bank authorization to give out. This directly violates, their own privacy policy that states they only share banking information to Affiliates. XXXX XXXX XXXX is not listed as an affiliate and their list for non-affiliates displays for marketing purposes only. The have also violated as the Privacy Act of 1974 5 USC 552 ( a ) that states No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 
The 12 Exceptions do not apply for my situation. 
Please remedy this situation or I will have to take further civil action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account ending in XXXX was opened fraudulently. I talked too the original creditor and they have stated in a letter that they did a fraud investigation and determined I am not responsible for this debt. The debt was sold to another compony called XXXX XXXX XXXX. Attached is my FTC report and the letter from XXXX XXXX Bank stating I am not responsible for this debt
Product: Debt collection

On XX/XX/2020 I had a XXXXXXXX XXXX pursuant to an XXXX follow up that my doctor informed me that he saw something light up on my XXXX. Not to mention that I already know about a XXXX XXXX that I have. The XXXXXXXX XXXX was completely unnecessary, and I found out it was the same XXXX I knew about. I explained this to XXXX XXXX and they agreed, but my bill had already gone into collections even though I was told to fax a letter to XXXX XXXX, which I did. On XX/XX/XXXX, XXXX ( XXXX ) called me quite early in the morning and was very rude and nasty. I was extremely upset with her tone and badgering. I don't feel it is acceptable to speak to another person that way especially when you are calling about a scan that not only was unnecessary, but led me to believe that I might have XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently in wrote you and asked that you remove a delinquent account status and you replied that it is not reporting delinquent and that is far from the truth. I have enclosed proof of said account and ask that you correct the information on my report.
Product: Credit reporting

This dispute arises from furnisher not providing information on credit report as to whom the account was sold to. Without the furnisher reporting whom they sell accounts to, consumer are disadvantage for the following reason : any payment, settlement or agreement can not be updated through the XXXX CRA 's. 
IE consumer settles account with debt collector and sends letter from debt collector to XXXX CRA 's, the CRA 's can not honor the request to update original account because there is no information reported by original furnisher linking new owner of account. 

For the above reason, in XXXX 2016 spoke to XXXX at Transunion and I disputed XXXX XXXX ' lack of reporting as to who they sold the account to. Transunion assigned new file # XXXX. However the result of XXXX XXXX ' investigation, from that dispute, was to update the account as paid, this was also inaccurately reported. Leaving the consumer with the only resolution, a direct dispute with the Creditor. This creates a long, laborious and at times, confusing for the unsophisticated consumer to get corrections done to his or her credit report. Are they 're no standards, polices and procedures to address obvious lack of disclosure by the part of the credit furnishers? IE Furnisher reports account sold but does not disclose who sold or transferred to, Furnisher reports account paid but does report correctly. 

This dispute ends up on the door of Transunion as I could find no other way to bring this to the attention of the CFPB and the original furnisher dispute was processed through Transunion. However I always found the staff of Transunion to always be most helpful and I am not writing this as a dispute solely directed at Transunion. This dispute is broader based as it seems to occur across the board with the credit reporting agencies. 

Could you please look into this? 

Thank you in advance for your time. 

Attached credit report XXXX XXXX no disclosure who account was sold to Attached credit report results of XXXX XXXX investigations, still no disclosure of who sold to and now account updated as paid. 
Attached this letter
Product: Student loan

My Student original loan amount without interest was less than {$46000.00} at the end of XXXX. Mohela in taking over as the servicer of the loan is now using the principal loan and the interest added to the principal prior to COVID and now is adding additional interest to their new principal amounts which include the principal amount is {$46000.00}, interest payments, does not include any payments made to XXXX or to XXXX XXXX. This letter received by your agency has not been received by me. Its interesting that Mohela only states what is correct. The totals for original loan amounts is not correct and my knowledge of loans is that principal amounts of a loan can not be changed once signatures are made unless both parties agreed to it. Mohela has taken that right from me and is being allowed to charge whatever and how much they want to. Right now it is my perception that the dispute with Mohela is not being taken seriously and that because my race is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and can not afford to challenge Mohela in a court of law, that I need to accept this erroneous information and get over it.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : TransUnion XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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: Debt collection

There was a garnishment hold placed on both of my checking accounts for {$350.00} from XXXX XXXX XXXX XXXX. It ran both of my accounts negative. When I spoke to the bank I was able to get the creditors phone number and called them. I was informed at that time ( XXXX ) that the amount of the hold was what was owed on taxes from XXXX. I have never received a letter from that company stating it was owed. When the money came out of my account ( which took my rent money ) I called them again ( XXXX ) to have the hold removed from my second account the agent told me they took my tax return from this year and there is still {$110.00} owed to satisfy the debt. Now every time I ask for a copy of the bill stating how much was owed and from when the company hangs up on me. I have yet to get proof that I actually owe for back taxes. Also for the last two years I have received a state tax return so if there was money owed then that would have been taken. I would like to know what my options are at this point since the collection agency is basically refusing to provide me proof of what is owed. Also I have never gotten a court date or any papers about a judgement against me. My job hasnt received any notices about any garnishment either. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian and XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX  Balance : {$40.00} XXXX XXXX XXXX XXXX Balance : {$30.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681m - Requirements on users of consumer reports 15 U.S. Code 1681- Congressional findings and statement of purpose Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) name or social security number. Agencies fail to follow guidelines for handling disputes