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

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall 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 of 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 by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Transunion Account # : XXXX Account Type - Detail : Unsecured loan Date Opened : XX/XX/XXXX Balance : {$1400.00} According to Cushman v Transunion 1997 , Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses were deleted and added back to my credit report without any notification to me as is required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX  XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX  Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

A method of verification letter was mailed USPS, First Class, Certified Mail ( XXXX ) to LexisNexis on XX/XX/2021 and was not responded to. LexisNexis is in violation pursuant to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give me the method of verification information within 15 days of my request.
Product: Checking or savings account

on XXXX I deposited a check into my business account. No hold was placed for this deposit. Later same day deposited another check into another business account, from same check account and was told hold would be placed. Later that day was told a hold would also be placed on original check deposit of {$1500.00} because bank said had information check would return form issuing bank. This was after deposit made several hours before with no hold. I then provided proof of funds to bank manager XXXX XXXX. He said would release funds on XXXX.On XXXX check still on hold. I then provided copy of front and back of check showing it cleared my account on bank letter head from issuing bank. XXXX XXXX from Bank of the West Said would not release hold. On XXXX sent proof funds and copy again of check on Bank letter head showing it cleared, no reply. On XXXX called Bank manager XXXX XXXX, said he could not release because back office had inside information about my account???. He also said proof funds and cleared check would not work. I then put him on three way call with issuing bank and they verified funds cleared on XXXX. Mr. XXXX then told issuing bank must send letter on their letterhead providing statement funds cleared. Issuing bank also told XXXX XXXX Manager of Bank of the West that TFCU does not verify checks via phone and does no know How Bank of the West got their information. So after four business days and three verifications on bank letter head proofs of funds where good and conference call. Bank released funds and and charged me retuned check fees and caused my tax payments to bounce knowing my funds where good from the very start. I feel I was charged fees when bank is at fault and valid verifications of funds where provided .I also feel i was discriminated against on personal level. I had to go beyond standard banking practice to provide proof of funds to get a check hold released. Bank of The West put my business at risk by not being able to make tax payments. They further had more than enough documentation x 3 showing funds are good and cleared. This is not the first time the have done this to me. It not standard bank practice to provide three separate verifications on bank letter head for proof of funds and payment.Not counting all the time, stress energy to be put into this
Product: Credit card

At the time I had no credit at all i applied with capital one I received my first credit card to build my credit XX/XX/XXXX with a XXXX dollar limit it built my credit with on time payments shortly after I lost my job and was no longer able to make on time payments this was the only think on my credit and it ran my credit score all the way down it went from a XXXX to the XXXX back up to XXXX from me starting to build it back I applied for a loan for XXXXXXXX XXXX XX/XX/XXXX they said it would only drop XXXX points shortly after that out of know where it dropped all the way down back down with no explanation as to why and its been going up and down still so I just want to see if you all would be able to help me with some type of resolution
Product: Money transfer, virtual currency, or money service

I sent money to what i thought was my account called everyone given complete run around. Was told that their was nothing they could do or that I could do except request it back.
Product: Debt collection

On XX/XX/2021 Convergent Outsourcing called me 2 times, both times I asked them to never call me again. They are trying to collect a debt on behalf of XXXX in which the Company I worked for cancelled the credit card. This debt was incurred by XXXX XXXX, not myself. 

On XX/XX/2021 Convergent Outsourcing called me at XXXX XXXX  cst I once again told them to stop calling me and said I needed to call XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the noted accounts, which they denied. I submitted substantial information to do a thorough and reasonable investigation. Unfortunately, Transunion failed to do so. If Transunion investigated properly they would have found the items being disputed are being reporting inaccurately on my consumer report.
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 u Der 15 USC 1681. XXXX Account XXXXXXXX XXXX solution. 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. It also state 's a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

My federal loan servicer is Great Lakes. XX/XX/XXXX they posted an auto draft payment in the amount of {$460.00}. That date is part of the time allotted for administrative forbearance by the CARES act. According to XXXX XXXX Aid I may request this amount returned to me. Great Lakes also sent an email explaining they would not process auto payments during the forbearance. 

I began contacting Great Lakes XX/XX/XXXX. It took them 10 days to respond - they ask borrowers allow 1-2 business days. In their response they explained my refund was being processed and asked I allow 7 days to receive. XX/XX/XXXX, 9 days later, I had no refund and so I used their online complaint form to get the matter resolved. Their new response came the same day. This time they did not mention a refund and said someone may contact me within 7 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian Inc, that XXXX XXXX  XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report. XXXX XXXX has opened an account with a balance and monthly payment. This exact account is factually listed as a closed account. This duplicate account also listed that Ive recently made a payment, which I have not. I have disputed this account with Experian Inc twice, and they refuse to remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans show missed payments on my credit report. This is an error because I completed the forbearance paperwork and submitted it with XXXX  on time. XXXX acknowledged their error with the letter attached. I disputed it with XXXX XXXX, Experian and XXXX  and provided the letter that I have uploaded below from XXXX acknowledging their error. Even though they acknowledged that my loans should have reflected that they were in forbearance it still shows on my credit reports that I missed the payments and my credit has been negatively affected. I filed this complaint to all 3 credit bureaus in XX/XX/2019 and provided them with proof ; the letter from XXXX ( attached ). The late payments are still showing up on my credit reports! They have not done their job by removing these late payments from my credit report. The attached letter from XXXX XXXX shows all of my loans, amounts and account status : forbearance. I am now currently making payments on my student loans and am out of forbearance. I have excellent credit otherwise and would like these negative late payments removed from all credit bureaus.
Product: Debt collection

I received a copy of my credit report from XXXX, XXXX and XXXX and noticed a collection account reporting against my SSN from AWA Collections. Prior to me obtaining a copy of my credit reports, I had no knowledge of this account or alleged debt. I have requested validation multiple times from the credit reporting agencies regarding this account and have only been told it 's " verified '' with no supporting documents. I have also contacted AWA Collections multiple times, the last being on X/X/2017,  for validation of this debt and have yet to receive anything. I have no contract or agreement with this company and have never received any goods or services. I have a right to have information validated that is contained on my credit report or it needs to be promptly deleted. I have not received a copy of a signed contract or any other verification from AWA Collections.
Product: Mortgage

I received a letter dated XX/XX/21 that was addressed to my current lender and me and said Important! on the envelope. I opened it and realized it was just advertising to get me to refinance my current loan with another company. The letter and packaging seem quite deceptive as it's only in the fine print that the letter was sent by Millennial Home Lending and not my lender. There is also " Statement Date '' printed at the top to trick consumers into thinking this notice is a statement from their actual lender.

I have no relationship with Millennial Home Lending ( nor will I, given deceptive advertising ) but wanted to report this shady practice.
Product: Credit reporting or other personal consumer reports

I have mailed multiple letters up to 120 days ago to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting the following information from them : A letter including the following : Validation of the account Inform the business where the account was opened that the debt is the result of identity theft. 
Stop collection activities against me. 
Stop reporting information about the debt to credit reporting agencies. 
If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft. 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX  a significant data breach occurred in which the credit reports of millions of Americans were improperly accessed and publicly released. This breach exposed highly sensitive personal and financial information, including Social Security numbers, credit scores, credit account details, and payment histories. The unauthorized disclosure has created a substantial risk of identity theft, financial fraud, and other forms of misuse. Affected individuals were not adequately notified in a timely manner, leaving them vulnerable and without sufficient guidance on how to protect their information. This breach demonstrates a severe failure to safeguard consumer data and comply with applicable privacy and security standards. Companys such as XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I have was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account and transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
XXXX, XXXX, ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX WI XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX Balance : {$88.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$9800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

In XX/XX/2018 I disputed an inaccurate account on all XXXX of my credit reports, The inaccurate account is XXXX XXXX XXXXi # XXXX. All the credit bureaus reported back as the account was verified, I Then contacted the bank which the address that's listed on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX I sent the original creditor a Verification Letter asking for them to send me proof that they have my legal signature on the alleged account in the file.,,, i sent my certified letter on XXXX, XXXX 2018. They signed for the letter on XXXX, XXXX, 2018 ... .Todays date is XX/XX/2018 and they have failed to respond to my certified letter. They had 30 days to respond to the certified letter and they failed to provide me the documentation I asked for by law I am entitled to see and know what account they are saying is mines,,, I needed to see proof and I did my part,, they have violated my rights,,, I have copies of the letter that was sent and copies of the US Postal Service certified mail receipt, and a copy of the delivery noticed that they signed for my letter and today is the XXXX day,,, please delete this inaccurate account from my credit file. This is not Right that these companies don't respond to certified letters, I did my part,,,, and XXXX XXXX XXXX failed to do theirs..
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the loan -- in full -- on XX/XX/XXXX ; that's the day XXXX delivered the check. XXXX XXXX XXXX claims they didn't credit the account until XX/XX/XXXX. 

XXXX XXXX XXXX told me it takes them 30 - 45 days to update their system ( which is outrageous because they IMMEDIATELY report if I miss a payment ). 30 days from receipt of the payoff check would be XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX was still reporting the loan open and now 90 days late. On XX/XX/XXXX ( after 45 ) the account was still listed as open and 90 days late on my XXXX   report. 

As of XX/XX/XXXX, XXXX XXXX XXXX still reporting the account as open and late to XXXX   and Equifax ; thus harming my FICO score and my individual credit rating at XXXX and Equifax at 60 days since I paid off the balance.
Product: Credit card or prepaid card

I have been through a complete downhill battle with USAA and their credit card. We have been loyal customers to this bank and had a low balance of {$1000.00} on a {$6500.00} limit card through USAA that they stopped taking payments for last XX/XX/XXXX. We have changed our checking account numbers and tried every method known under the sun to try to pay this stupid card for the past year. Now, they have reported a 30, 60, and 90 remark on my husband 's credit report because THEY will not take the payment. We have added the accounts through the phone, online, etc. I am now trying to pay OFF this stupid card because they are destroying my husband 's credit for no reason other than negligence. In XX/XX/XXXX they decided to close the account without any notification. When asking USAA why they closed this account, to our surprise, they insisted that a letter had been sent that was NEVER received by the address that has been the same for almost 5 years, now. The same issues present itself over and over again. When recently trying to get fees from their end taken off because of " late payments '' from their system that will not accept the payment from our banking account ( XXXX ) we received hateful attitude and discussions about how it is our responsibility and not their issue that the account is late paid .... even though we have proof and offered to show this proof to USAA that they are not accepting our payment! I guess this will have to come down to harassment clauses eventually because we feel harassed and this needs to be mitigated ASAP.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed some fraudulent accounts on my report. Please remove these accounts from my report immediately as they are hindering my ability to obtain credit. 

I want to emphasize the gravity of this matter and my expectation for an effective, yet prompt response met with urgency. Failure to respond in a satisfactory manner will compel me to pursue legal action against your agency, as allowed by law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statute cost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o Civil liability for negligent non-compliance 5. Violation under 15 U.S. Code 1681n ( b ) Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c Requirements relating to information contained in consumer reports 11. Violation under 15 U.S. Code 1601 Civil liability for negligent non-compliance 12. Violation under 18 USC 1028A Civil liability for negligent non-compliance 13. Violation under 15 U.S. Code 1692a Civil liability for willful non-compliance 14. Violation under 15 U.S. Code 1692b Civil liability for willful non-compliance I am taking this matter very seriously, and I demand that you take immediate action to block and permanently remove the fraudulent account from my credit report. I have provided all of the pertinent information to facilitate this process. I kindly request that you acknowledge this letter along with providing an acceptable timeline for the resolution of these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I noticed a new credit inquiry on my credit report. I promptly contacted XXXX, the lender on my report, about the inquiry and stated that it was not me and that I have been victim to identity theft. XXXX then gave me some instructions to follow up with. They asked that I provide a letter stating that I did not apply for loan and a police report of the situation within 7 days of the notification. I provided that information 3-4 days later. Since that XX/XX/XXXX date I have emailed numerous times about the status of my claim and have received nothing of any value. Generally, I will receive an email along the lines of " Fraud Dept is investigating '' with no additional information. I have tried calling customer support and have been disconnected and other times not able to reach anyone. It is nearing a month since I initially informed XXXX of the fraud and I have not received any meaningful information regarding the status of that claim.