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

I am writing to express my dissatisfaction and frustration regarding the multiple unsuccessful attempts to correct the late opening of my account with Credit Bureaus.

Initial attempt to open the account was made, but I encountered an issue with the process.

Contacted customer service and was informed that the issue would be resolved promptly.

Followed up on the progress, only to find that the problem persisted. Customer service assured me that it was being addressed.

Another attempt to open the account was made, yet the issue persisted.

Numerous calls were made to customer service, each time receiving assurances that the matter was being escalated and would be resolved urgently.

Despite these efforts, the late opening of my account has caused inconvenience and frustration. I have patiently cooperated with your representatives, but the lack of resolution is unacceptable.

I understand that errors can occur, but the repeated assurances without tangible results are disappointing. As a customer, I expect a higher level of service and a timely resolution to such matters.

I kindly request the following actions : Immediate investigation into the root cause of the issue.

Transparent communication regarding the steps being taken to resolve the problem.

Assurance that this issue will not affect my account 's functionality or standing once it is resolved.

Compensation for the inconvenience caused during this period.

I appreciate your prompt attention to this matter and expect a resolution withinthe specified timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Enclosed with this complaint, you will find copies of my dispute letters sent to the Credit Bureaus. I have been disputing with XXXX, XXXX and Transunion since XX/XX/year>, of this year. Thank you for your attention to this matter. I look forward to your guidance and assistance in resolving this issue. 

Despite my follow-up letters that I have mailed out on several occasions the Credit Bureaus has failed to conduct a proper investigation or correct the errors as required under the FCRA, specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). These actionsor lack thereofare clear violations of federal law, as credit reporting agencies are mandated to ensure the accuracy of the information they report and to investigate disputes within a reasonable timeframe. The continued inaccurate reporting has caused me significant financial harm and emotional distress, as it negatively impacts my creditworthiness and ability to obtain credit. 

Thank you for your attention to this matter. I look forward to your guidance and assistance in resolving this issue. 

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

in accordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights 15 U.S.C 1681 section 602A, 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency il the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : 1-XXXX XXXX XXXXXXXX - XX/XX/XXXX 2-XXXX XXXX  XXXX - XX/XX/XXXX 3XXXXXXXX XXXX XXXX - XX/XX/XXXX
Product: Mortgage

On XX/XX/2020 I contacted Chase in regards to a deferment of my mortgage payment due to the COVID-19. Representative said she enrolled both my mortgages into the 90 day deferment  payment assistance program. I was told on a recorded line that I would not have to make my payments for 90 days and before that time was up they would call me with my options at this point its to early to say what will be done at the end. On XX/XX/XXXX I received an alert on my credit report that I 30 days late on my mortgage. I contacted Chase in regards to this, they reviewed my account and will listen to the phone call to review. Chase did waive the late charge for XXXX. I heard back from Chase and they said the correction is being sent to the credit team and it will be 3-4 days. I explained that due to the COVID-19 i may need to get a loan and this will change my credit report in a very negative way, I have never been late and have paid an extra {$110.00} payment each month for many years, I have called back various times and they are still working on it .I have been denied a loan due to my credit score which has went down due to chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion on XX/XX/2020 to dispute 4 items on my credit report. The items are either inaccurate or unverifable. It has now been 50 days and Transunion has not replied to my dispute and/or deleted the items from my credit report. This is a violation of the FCRA 's time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2500.00} ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion Failure to Remove XXXX Fraudulent Hard Inquiries To Whom It May Concern, I am filing this formal complaint against TransUnion for its repeated failure to remove XXXX fraudulent hard inquiries from my credit report, despite multiple dispute submissions and an official FTC Identity Theft Report. These inquiries were made without my authorization and constitute clear violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and my consumer rights. 

I have contacted TransUnion multiple times and have submitted the required documentation, including : My FTC Identity Theft Report A detailed dispute letter listing the fraudulent inquiries A request for immediate removal under the FCRA Despite this, TransUnion has failed to take appropriate action, which is an egregious violation of federal law. Their inaction is damaging my credit profile, limiting my financial opportunities, and causing undue distress.

Legal Basis for Immediate Resolution : 1. Failure to Conduct a Reasonable Investigation ( 1681i ) TransUnion has not adeq
uately investigated or resolved my disputes in a timely manner.

2. Failure to Remove Fraudulent Information ( 1681c-2 ) Under the FCRA, a credit bureau must remove fraudulent information once a consumer provides an identity theft report.

3. Willful Noncompliance ( 1681n ) and Negligence ( 1681o ) TransUnions failure to act constitutes reckless disregard for my rights, making them liable for damages, legal fees, and penalties.

Requested Resolution : Immediate removal of all XXXX fraudulent hard inquiries from my credit report. 
Written confirmation of their deletion within 15 days of receiving this complaint. 
A full investigation into why TransUnion failed to act despite multiple formal disputes. 

If TransUnion continues to ignore its legal obligations, I will have no choice but to pursue legal action for damages under the FCRA. I am also prepared to escalate this matter to the Federal Trade Commission ( FTC ), my states Attorney General, and legal counsel.

I expect CFPBs intervention in ensuring TransUnion complies with federal law. Please contact me at your earliest convenience with a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX XXXX XXXX  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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

This inquiry was unauthorized and unverified please delete this off my report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed 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 failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
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 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to delete the items attached to this file from my credit report. I am a victim of Identity theft and did not make the charge. I demand these items be deleted to correct my consumer credit report. I reported this theft to the Federal Trade Commission. I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please remove these items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with a representative from both Transunion and XXXXXXXX XXXX XXXX in regards to a collection item on my credit report. First call was to Transunion and the representative said that I needed a letter from the XXXXXXXX XXXX XXXXXXXX stating the account was paid off in full. She also said I can mail it in or submit a dispute online. Second call was to XXXXXXXX XXXX XXXXXXXX. I spoke with a representative and she stated she will mail out a letter and would arrive in XXXX weeks and I said that is fine. On XX/XX/XXXX I submitted a dispute online on Transunion website and attached the letter received from XXXX XXXX XXXXXXXX. I received a email confirmation that if a dispute was submitted online something would arrive in the mail, but nothing came. On XX/XX/XXXX I submitted another dispute on XXXX XXXX website for the same issue because nothing changed. On XX/XX/XXXX I received a email that it was updated, but the only thing that was updated was the balance and not taken off my report. I called Transunion on XX/XX/XXXX and spoke with the representative and informed her what was going on and she said you need a letter from the collection agency stating to take it off your report and I told her that they do not provide such letter. I had asked why is this the first I'm hearing of this and why was the letter provided to them was not acceptable to take it off my report as initially stated on XX/XX/XXXX. She couldn't answer and I demanded a supervisor. Once connected to the supervisor I told him what was going on and he proceeded to say another letter was needed and I once again stated the collection agency does not provide such letter. He basically said there is nothing I can do about getting this of my report besides getting another letter that do not exist for XXXX XXXX XXXXXXXX. I'm just overly exhausted and frustrated about this issue. Hopefully this complaint help with this exhausting issue with Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection with Florida Dept of Revenue is reporting inaccurately on my report. These accounts do not belong to me and were removed and have reappeared on my credit report. This derogatory information is lowering my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report, which I pulled on XX/XX/2024. Specifically, XXXX XXXX XXXX XXXX account is incorrectly reported as closed, with inaccurate multiple payment history dates. Despite this, you have continued to verify and report the information as accurate, without providing any supporting documentation to substantiate its accuracy. 

This failure to correct the error is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i, which requires credit bureaus to investigate and verify disputed information within 30 days. As such, I request that you promptly investigate this matter and remove or correct the inaccurate information from my credit report. 
If the inaccurate information is not corrected within the required 30-day timeframe, I will be forced to pursue legal action under 15 USC 1692g .
Product: Credit reporting or other personal consumer reports

I reviewed my credit report in XXXX of 2023 and seen that all three reporting agencies XXXX, Equifax, & XXXX has been reporting multiple accounts in which has been reporting inaccurate information. These accounts has be caused damage to my creditworthiness due to inaccurate reporting. I have disputed these account several times with each reporting agency and they have not resolved these issues. According to 15 U.S.C 1681 there should not be any damages on my consumer report, that is a deformation to my character
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

On XX/XX/XXXX I logged into my Amerihome Mortgage online account and entered 8 payments. I received confirmation numbers for each payment in separate emails. On XX/XX/XXXX I noticed that only one payment was debited from my bank account. I called Amerihome Corporate office and was transferred to customer support, who told me that although I had payment confirmation numbers, only one payment would be processed and the others were canceled. I was allowed to enter these payments and I did not receive emails about the cancellations. I then asked for and received payoff information and was told that I would receive a fax with the same information within two hours.After two hours I called back to see where my fax was and requested an email with the payoff information as well. I was told the email would arrive within 24 hours. It has now been 24 hours and I have not received either the fax nor the email. I do not trust Amerihome and would appreciate cfpb involvement so that I can payoff my loan.

Also, the information about my loan on the Amerihome website is incorrect, showing incorrect interest and principal amounts.

Thank you
Product: Credit reporting 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

When pandemic unemployment was authorized via the cares act, I was told I would qualify so I applied, was approved, and so I certified for the weeks, and bank of America mailed the funds via an XXXX card to an address in XXXX, ca. I was homeless in XXXX at the time. 
Someone at the XXXX address opened my mail, put a pin on the card, and proceeded to withdraw and spend the entire XXXX dollars. When I finally received the card, there was only enough money left to buy a burger at XXXX. 
Throughout the past entire year,. I have made numerous calls, filed the required police reports, filed the required claim numerous times, faxed all of the required documents and information to bofa fraud dept., And have gone into bank of America and shown " proof of my identity '' to bank personnel with bank of AmericaXXXX on the phone and speaking to the branch employees. 
I continue to get excuses from bank of America, which is extremely frustrating because the funds on the card are Federally Insured. Bank of America continues to give me additional tasks to do, but fails to give me one cent of the XXXX dollars I am owed. I have attached copies of the most recent Fax to the big a claims dept sent on XXXX and faxed again on XXXX XXXX. XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX  ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX  XXXX per the XXXX opinion.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( Bureau ) brings this action against XXXX XXXX XXXX XXXX XXXX ( XXXX or the Company ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C.

SHAM INVESTIGATIONS As a Federally protected consumer I have personally been a victim of these furnishers of information companies they call Credit reporting agencies XXXX, TRANSUNION, AND XXXX sham investigations. Between XX/XX/XXXX through XX/XX/XXXX I have filed 4 complaints via the CFPB portal about these CRAs reporting inaccurate, Incorrect information that I do not want reporting on my Credit Report. These complaints was back with documentation proving that the information the CRAs were reporting was inaccurate, incomplete and that they are reporting improperly. In return I received an automated response via the XXXX XXXX XXXX XXXX ( XXXX ) and the XXXX system. Each time these so called investigations came back as verified without any proof of the investigations pursuant to the laws of the FCRA on investigations. These CRAs are public traded companies that are selling and bartering their consumers information without their consent in return for these data furnisher companies to report any and everything on a consumers report, which is identity theft, extortion, and fraud. the CRAs have assumed a vital role effecting my credit worthiness, credit Standing, credit capacity, general reputation, personal characteristics, and Mode of living as I have not been able to be granted credit for personal, family, and house hole use. I am also getting notifications from the CRAs about my information being apart of data breaches which is effecting my credit report while still reporting negative accounts on my consumer report. Per FCRA 605B this needs to be addressed within 4 business days. My credit Report is a big mess and needs to be cleaned up ASAP. 

I give my full consent to the CFPB to use this complaint as evidence of these Sham investigations by CRAs in current lawsuit against XXXX. This lawsuit will be used as case law to bring my own federal case against these CRAs