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

Subject : TransUnion 's Violation of the Fair Credit Reporting Act - Urgent Assistance Needed Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing an ongoing issue with TransUnion, who I believe has repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ). 

On three separate occasions, I have disputed incorrect XXXX information listed on my credit report, and each time, TransUnion has failed to conduct a proper investigation. 

The details are as follows : - XXXX : I submitted my first dispute regarding the incorrect XXXX  information. TransUnion claimed to have investigated the issue, but the record remained unchanged. 
- XXXX : I filed another dispute, and on XXXX than XXXX hours laterI received an email stating that they had again investigated the matter and the record remained unchanged. Given the rapid response, it is clear to me that they simply reused the results from the previous dispute without performing a legitimate investigation. 
- XXXX : I made a third attempt to dispute the XXXX  record. On XXXX at XXXXXXXX XXXX, I received yet another email indicating that TransUnion investigated the public record and found no changes. 

I requested in writing that TransUnion provide me with their method and procedures for investigating the dispute, but they have failed to respond appropriately. As of now, they have not provided any proof of proper investigation or compliance with the law. I am left with an incorrect XXXX record on my credit report that is not mine, and TransUnion is continuing to disregard my rights. 

The XXXX record in question belongs to my father, XXXX XXXX, who has a similar Social Security number and previously lived at my address. I have never filed for XXXX, yet TransUnion refuses to correct this mistake. 

I am seeking your help in documenting this neglect and holding TransUnion accountable for their failure to comply with FCRA. If they do not remove this incorrect public record, I plan to take legal action. 

Please help me get the relief I am entitled to. TransUnion 's actions are not only irresponsible but deeply distressing, as they are profiting at the expense of consumers like me. 

Thank you for your time and attention to this matter. I look forward to your guidance and support. 

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

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX, Acct XXXX XXXX XXXX XXXX, Account Number XXXX and XXXX XXXX, Account Number XXXX have all 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 states that a Consumer Reporting Agency can not furnish an account without my written instructions. 

I have reached out to each company via certified letter and asked that they provide me with the original contract or signed statements within 30 days of receiving my certified letter. I have not received any original contracts or anything else from either company and I have given them over 45 days. I have receipts from the United States Postal Service that verify that each company reeived my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account name : XXXXXXXX XXXX XXXXXXXX 15 U.S. Code 1681 section 602a states I have a right to privacy.

15 U.S. Code 1681 section 604A section 2 It also states that a consumer reporting agency can not furnish any account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) Section states know, consumer reporting agency may make any consumer report containing any of the following items of information, other than records, convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 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: Payday loan, title loan, or personal loan

XXXX XXXX XXXX have my employer taking {$350.00} from my paycheck totaling to the amount of {$1500.00}. I never received any documents in the mail and all of sudden the money has been garnished from my payroll. This is against the law. I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my recent credit report from Transunion I noticed that an account under the name XXXX XXXX XXXX XXXX has been submitted to my Transunion credit report without notice as required by federal law 5 business prior. A violation of federal law section 1681 of the FCRA rules.
Product: Mortgage

My mortgage company paid my property taxes and my home owners insurance even though I do not have an escrow account through them. Meanwhile i paid my property taxes and home owners insurance too. Now my mortgage company will not accept my mortgage payments unless I pay them back for the taxes and home owners insurance. I have not received a refund for any overpayment from taxes. I am not nor have I ever been late on my property taxes. This amounts to {$4900.00} and if I do n't pay this amount I will be in default and may lose my home. I have called and discussed this with customer service who admit they do n't understand how this happened. They told me to go ahead and make my regular payments and if and when I receive refund for taxes to send it to them. They then transfer me to payments who will not accept my payments for anything less than {$4900.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX, my wife and I called to AMEX XXXX and asked about my wife 's welcome bonus ( XXXX XXXX   point and one free weekend certificate ). The customer service refused to give the welcome bonus after she completed her spending amount {$5000.00} on XX/XX/XXXX. She insisted that the system told us the system warned my wife would not get welcome offer for this card. However, we did not see this kind of information or any similar things during the application. Otherwise, we would not apply this card for my wife. Ironically, she got instantly approval for this card!! 
Asked to transfer to a manager. Still gave us the same answer. 
This is unbelievable that Amex tricks their customers. And it happens to us.
Product: Credit reporting

Based off the fact that EXPERIAN has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so they have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show there blatant disregard for Federal Law. 
Enclose are all accounts and account numbers. If you need any other information please feel free to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint summery Experian has failed to respond to written disputes in 30 days. Experian has failed to verify and validate inaccuracy 's on my credit report. I am requesting to have these immediately removed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information.

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX and Experian.
Product: Credit reporting or other personal consumer reports

Request for Deletion of Account Due to Repeated Charge-Off Reporting Violations I am writing to file a formal dispute regarding the repeated and inaccurate reporting of a charge-off on my account with XXXX XXXX Account Number XXXX dispute concerns multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681e ( b ), which mandates accurate and timely reporting of credit information. 
Details of the Dispute : XXXX XXXX : The account has been marked as a charge-off for the months of XXXX through XX/XX/year>, without any change in the status or developments. The charge-off status should have been reported once and updated as needed. However, it has been reported repeatedly, which is inaccurate and violates the FCRA Section 1681e ( b ). 

Violation of FCRA : Under the FCRA, it is required that credit reporting agencies report accurate and complete information. Continuously reporting the charge-off status month after month is misleading and inaccurate, and it harms my credit profile. 

Failure to Correct : the information has not been corrected. The continued reporting of this account as a charge-off for more than a year without any updates is detrimental to my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the late payments removed from my report on my Mortgage Loan. XXXX has complied ( attached ) however XXXX and Experian has refused with no method of verification supplied.
Product: Money transfer, virtual currency, or money service

I invested in a XXXX investment company based in XXXX called Donut back in XXXX of last year in the amount of {$180000.00}, they promised a fixed return of XXXX  % with no risk involved, in XXXX of 2022, they froze my account, I can't withdraw anything, based on XXXX XXXX company struggle, now XXXX just filed bankruptcy, and I can't get hold of anybody to see how am I getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To limit the sharing of my information, Equifax suggests there is a way to do it online, but, if there is, it is not accessible via the directions provided in the privacy notice. 

Upon signing up for a free account, I wanted to limit the sharing of my personal information as much as possible. They provide a pdf called " Consumer Privacy Notice '' that provides two options to limit sharing, an online portal or a phone number. The link offered in the consumer privacy notice does not exist, and so I can not use that path to limit the sharing of my information. The relevant text from the pdf is below : Visit us online : https : //help.equifax.com/s/contactsupport and select Customer Service
Product: Debt collection

The tenant and guarantor believe that National Credit Systems and XXXX XXXX XXXX XXXX XXXX are in violation of the Fair Debt Collections Practices Act by attempting to collect on a debt in full too prematurely. Additionally, based on the way the tenant vacated the premises was in avoidance of continued harassment and perceived possible personal injury.
Product: Credit reporting or other personal consumer reports

Credit Bureaus in Question XXXX. Experian XXXX. XXXX Detailed Complaint Background of Dispute I am writing to file a formal complaint against Experian and XXXX for persistent violations of the Fair Credit Reporting Act ( FCRA ), specifically : - Failure to ensure maximum possible accuracy of credit report information ( 15 U.S.C. 1681e ( b ) ) - Refusal to conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ( a ) ) - Non-compliance with dispute resolution requirements ( 15 U.S.C. 1681i ( c ) ) Chronology of Dispute Attempts nitial Dispute - Date of Initial Dispute : XX/XX/year> - Method : Certified Mail - Supporting Documents Provided : * State-issued ID * Social Security Card * Proof of Address Follow-up Correspondence - XX/XX/year> : Experian refuses to act on dispute, claiming the dispute was not initiated by me- XX/XX/year> : Follow-up dispute sent - XX/XX/year> : Comprehensive dispute letter resubmitted with all identification documents- XX/XX/year> : Experian again refuses to address the dispute Specific Errors Requiring Immediate Correction XXXX. XXXX Missed Payments Incorrectly Reported - Account Status : Closed - Current Reporting : Inaccurately showing late payments - Impact : Severe damage to credit score Requested Actions XXXX. Immediate removal of all inaccurate late payment entries XXXX. Complete investigation of disputed items XXXX. Correction of all erroneous credit report information XXXX. Provision of a detailed written explanation of investigation results Supporting Evidence - Copies of all dispute letters- Identification documents- Correspondence from credit bureaus Legal Basis for Complaint This complaint is filed under the Fair Credit Reporting Act ( FCRA ), specifically : - 15 U.S.C. 1681e ( b ) : Requirement for maximum possible accuracy - 15 U.S.C. 1681i ( a ) : Duty to conduct reasonable investigations- 15 U.S.C. 1681i ( c ) : Requirement to note disputes in future reports Relief Sought XXXX. Complete removal of disputed and unverifiable entries XXXX. Correction of credit report to reflect accurate information XXXX. Potential damages for willful non-compliance
Product: Debt collection

This debt was paid by NC Medicaid. Please have Optimum Outcomes Inc. review their files notify any credit reporting agency they have reported this item to to delete any item associated with this account # XXXX {$390.00} date XX/XX/2013.
Product: Debt collection

On XX/XX/XXXX, CBE Group, CREATED a debt in the name of XXXX XXXX for {$170.00} and placed in on my credit report. They are reporting that the " Open Date '' is XX/XX/XXXX. I HAVE NOT OPENED AN ACCOUNT WITH CBE GROUP AT ANY TIME. I HAVE NOT OPENED AN ACCOUNT WITH XXXX XXXX ON XX/XX/XXXX as falsely reported. THIS INFORMATION IS BEING FALSELY REPORTED. In XX/XX/XXXX, I filed a bankruptcy and included XXXX XXXX. There is no account number listed or anything. I do not have any accounts owed to either of these companies for {$170.00}. This reporting resulted in a decline of my credit score by 14 points. I want this account immediately removed from my credit report and CBE Group banned from reporting anything on my credit report.
Product: Payday loan, title loan, or personal loan

This lender is usuriously charging interest on this loan, after paying 3x min payment for a year my balance has only gone up. When I signed a contract with them they obligated it would be 18 months no interest. Upon checking records I am paying 40 % interest for every 100 % payment made, meaning the APR is very illegal in the state of California and what this company is doing violates multiple lending laws.
Product: Credit reporting or other personal consumer reports

I am disputing an outdated charge-off from New City Funding Corp that appears on my XXXX credit report. 
Account Number : XXXX Opened : XX/XX/year> Balance : {$4800.00} Under FCRA 1681c ( a ) ( 4 ), negative items can not be reported beyond seven years from the original delinquency date. This account exceeds that limit and should have been removed. XXXX continues to report it, negatively impacting my credit. 
I have formally disputed this with both XXXX and New City Funding Corp but have received no resolution. I am requesting CFPB intervention to have this immediately removed from my credit file.
Product: Credit card

This will be another attempt to get Portfolio Recovery associates to remove the erroneous collection they have reported to the credit bureaus. They are stating that the account ending XXXX with a social security number ending in XXXX is being correctly reported. I have NEVER had a XXXX XXXX account nor does my social security number end in XXXX. It ends in XXXX. Can they please remove this ONCE and FOR ALL?
Product: Credit reporting or other personal consumer reports

I disputed the following accounts on my credit report, as I do not recognize them : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Despite my dispute, the reporting agency failed to conduct a proper reinvestigation or verify the accuracy of these accounts, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), which mandates that the agency must investigate disputed information and remove it if it can not be verified within 30 days.
Product: Debt collection

Jefferson capital systems LLC. 
Reported to XXXX a false address. 
XXXX XXXX XXXX XXXX XXXX XXXX FL. 
I've never lived at XXXX XXXX XXXX FL I live at the same address, I called XXXX to have it removed, They wouldn't then the amount was incorrect I paid them on the agreement Amount of XXXX a month which they agreed too.A they stated it hasn't been paid which is also a lie. 
So they are falsely making accusations That they are making up .I believe that they should be entirely need to be removed.. What will the post next? 
Never know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file a complaint serveral disputes with Self/Lead Bank , Self/Lead Bankhas fail to comply under the FCRA they have fail to delete transactions and experiences between XXXX XXXX and Self/Lead Bank XXXX The F.C.R.A. Specifically said XXXX USC 1681a ( 2 ) ( i ) Exclusion accept as in paragraph 2 the term Consumer report does not include transactions and experiences. ( # XXXX XX/XX/XXXX XXXX XXXX days ). Self/Lead has repeatedly reported transactions and experiences here is the list of transactions and experiences that they listed. According to your XXXX according to your F.C.R.A. transactions and experiences or not included on the consumer report. This a formal complaint for and F.C.R.A. Violations by XXXX XXXX for this Person.
Product: Debt collection

Navient is contacting me too frequently : For the week of XXXX XXXX, in these 5 days, I received 22 calls from Navient. Before and since this week, there has been very little change in the frequency of these calls. They are always within the hours of XXXX, but they are very difficult to deal with and each call is usually followed by a voicemail. 

I also receive 5-10 emails per week about my loans from Navient, but half of these only say I have a notification or new balance, not many specifics. 

And I also receive between 10-15 postal letters each month from Navient. It does not matter if my loans are current or delinquent, the calls, emails and letters never decrease in frequency or volume. 

Thanks for your help.
Product: Mortgage

Hello, I need help please! 
My loan was transferred to a new servicer ( XXXX XXXX XXXX ) as of XX/XX/2021. 

But the previous servicer Dovenmuehle Mortgage , Inc. went into my Bank account and took {$560.00} on XX/XX/XXXX without my consent. They were not servicing my loan anymore but yet they took money causing me bank overdraft fees. 

I have contacted Dovenmuehle Mortgage , Inc. multiple times asking them where's my money and nobody have a clear answer. 
They keep saying that they already sent everything over to the new servicer XXXX XXXX XXXX but they don't have any records of any money from Dovenmuehle Mortgage , Inc . 
They took money illegally from my bank account and I want it back! This is ridiculous and beyond frustrating. I need help please!!
Product: Credit card

I am a XXXX and in XX/XX/XXXX, I applied for and received an American Express Gold Card with no annual fee. In XX/XX/XXXX, I incorporated a second business and spoke to Amex who assured me that if I apply for and receive a second Gold Card, that only the new card will be charged the annual {$170.00} fee, while the original Gold Card will continue with no annual fee. So I have had the XXXX cards, XXXX for each business all these years. On this month 's statement ( XX/XX/XXXX ) for the original card, there now appears a {$170.00} fee. To my knowledge, I did not receive notification nor an alert that this annual fee of {$170.00} would now be charged and that Amex would no longer be honoring the original program I have had for the past 15 years. I called Customer Service and spoke to an agent, XXXX, for over 20 minutes who was not helpful at all, kept repeating over and over that I had been paying a {$95.00} annual fee ( which I had not ) and now I would have to pay {$170.00} and there was absolutely nothing she could do to change that, nor was there any supervisor or another dept. that I could speak to. XXXX said she could not look up any annual fee history for this card. Today I invested another hour, calling customer service, asked for a supervisor, put on hold again, spoke to XXXX the supervisor of customer service who said he would transfer me to their Membership Consulting Services, put on hold until XXXX answered, went through the whole story for a third time only to find out that she was in customer service & would transfer me to their Consulting Svrs, held again until XXXX came on. Explained the whole story again and learned that XXXX can only look back on 10 months of history & insisted that I had been paying a {$120.00} annual fee ( which I had not ). She also was not offering any assistance to the resolution of this problem. While she was speaking to me like I was a new business owner and did not understand my arrangements with Amex, the phone disconnected and she did not call me back, even though she knew she was the fourth person I had explained my story to and had my full account profile visible to her including my phone number. To make any customer invest so much time, be transferred to one person after another, and dodge any business solution with integrity is disrespectful and truly reflects that they do not appreciate customer loyalty, nor acknowledges their accountability when they make an error.