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

Transunion using Redlining in the Credit Files of Consumers Transunion whose mailing address is XXXX XXXX XXXX XXXX, CA XXXX, has failed to release my credit file to the creditor that I have authorized. Transunion continues to place unauthorized credit file holds on my credit reports causing creditors to withhold credit approvals from me. The actions of this credit reporting agency have caused tremendous hardship to me and my family. Transunion actions are also a violation of the Fair Credi Reporting Act. This credit reporting agency is attempting to blackball me and destroy all opportunities for me to be creditworthy or receive the credit opportunities I deserve in violation of the united state fair Credit Act. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ XXXX ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ XXXX ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.
Product: Credit card or prepaid card

KEY Bank Breach of contract under Expectation Doctrine Good Faith Doctrine Good Clause Doctrine the bank held XXXX of my money for a secured credit product they offer with the promise there secured credit card product will graduate to a unsecured product will graduate in a year held my XXXX for 14 months and product never graduate the account was managed by consumer correctly with no problems my deposit was returned in full however the credit product was denied Key Bank was only interested in deposit accounts and had no internet on honoring there credit card product this is also discriminatory!
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX # XXXX
Product: Debt collection

I have been contacted by what appears to be XXXX XXXX XXXX ( XXXX ). I have received calls several times a day, for a couple of weeks now, from several different numbers. I do not know why they are calling, and they do not leave a message. 

Numbers used : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX recently pulled my credit report and noticed an account youre reporting, The status states, Account charged off. {$690.00} written off. {$690.00} past due of XX/XX/year>. Date Opened XXXX. 

For this charged-off/written-off account, I never received a 1099-C ( Cancellation of debt ) form, nor did I receive a debt validation letter. Please send me a 1099-C form and a debt validation letter to the address you have on file, email me a copy, and permanently remove this account from my credit report.

FCRA 1681 ( e ) ( b ) and 15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these erroneous items to be authenticated ( A ). I will take legal action against you if you do not fix these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Money transfers

On XXXX XXXX of 2015, I sent XXXX XXXX dollars to a friend of mine in XXXX ; that same day he tried to get the money, but was unable to get the money because they said that he needed to fax his picture ID, and when he tried to do so, they told him that the fax number was not correct. He was unable to get the money, then he tried again the following day but still he was n't able to get the money. On Wednesday I called Western Union and asked for my money back, they kept transferring me to a different person and later hung up on me. On XXXX XXXX I went to the place that represents Western Union and told me that my routing number did not exist.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed. 

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: Mortgage

In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to Ocwen. I am also XXXX and was wrongfully terminated in XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of Discrimination in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership, Ms. XXXX XXXX, team on more than one occasion. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. Instead of providing these accommodations, XXXX  XXXX XXXX hired an attorney, XXXX XXXX, to harass me even further. I requested from them to provide reasonable payment terms. They refused and when I told them that their client engaged in predatory and discriminatory behavior, they responded by sending me a loan modification via express mail that had conditions that I could not refuse the package. I have been contacted by Ocwen at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least five times. Ocwen a has reported me as delinquent to the credit reporting agencies and ruined my credit. I am now in not only a situation of severe financial hardship but recently learned that I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX my account was locked and got told to upload my information like i.d social security pay stub proof of address so i did. is now the XXXX of XXXX and customer service as well as supervisor just been giving me the run-around telling me to re upload that they haven't received it. I had even did my i.d and selfie to the actual website Im a single mom of XXXX i need my account unlock to access my money from Texas unemployment. I got rent to pay little mouths to feed
Product: Credit card or prepaid card

I am a victim of identity thief and that should have never came by verified. I recently went to XXXX 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses below are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

Capital One - authorized user- account opened XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Vehicle loan or lease

XX/XX/2015. XXXX XXXX  said I applied for a car loan, which never happened.never heard of these people, now all of a sudden when I submitted a complaint to the credit bureau, they said it was legit.Dont know how, s When?
Product: Debt collection

I disputed the debt with all three credit bureaus, two of which have taken the debt off my report. One hasn't and it's hindering my score. The debt was proven to not be mine/ owed by me. I would like this matter handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to credit reporting agency to correct my personal information as it is appearing incorrectly on my report. It has been over 30 days and they still have not corrected this issue with the proof of ID and address I provided them twice now. Per FCRA, they are to be reporting it 100 % accurately. I don't know how they can do that when I have sent them the proof and yet they have not corrected my record.
Product: Debt collection

This collection company put this collection on my credit report with XXXX, IC Systems for a bill with XXXX XXXX on XX/XX/XXXX. I reached out to XXXX on XX/XX/XXXX to state this was not my collections and that on XX/XX/XXXX another collection company tried to place this same exact debt on my credit which XXXX took off my credit on XX/XX/XXXX. Apparently this collection company bought this debt and has again violated my consumer rights because I reached out to XXXX XXXX and they are aware this was not my debt. I asked XXXX to please dispute and remove this collection. XXXX in turn did an update to my credit file on XX/XX/XXXX trying to delete this collection but allowed IC Systems to put the collections back on my credit on XX/XX/XXXX. 

I have attached documentation showing it was removed the first time and would like it taken off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items. [ accounts/items ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX {$7400.00XXXX XXXX  XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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, MI XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX : {$1800.00} XXXX XXXXXXXX XXXX XXXX {$25000.00} XXXX  XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Ok so I opened an account at truist-during a time where i was going thru some crypto scam and my account at XXXX XXXX XXXXXXXX had been compromised. Plus credit cards were being opened in my name by " someone ''. anyway i opened an account online w Truist and deposited {$10.00} then " someone '' deposited checks x 3 totaling around {$5500.00} and now I am responsible. I dont understand if these checks were cashed why were they when only {$10.00} in account? why were they cashed? I did not deposit these checks nor do i know who did but now I am somehow responsible for {$5500.00}. I just sent in a payment plan -- -bc basically i dont want it to go against my credit -- I value that too much and also its embarassing. I did file complaint w fraud but account was dismissed quickly -- at time i was going thru so much w XXXX  that i was exhausted w it all. Please advise. XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled all three of my credit reports and noticed that XXXX XXXX attached my bankruptcy to my report without permissible purpose and they have caused me and my family undue burden and stress and have violated 18 U.S. Code 1028A - Aggravated identity theft. I contacted the u.s bankruptcy court in XXXX XXXX and they provided me a letter stating they do not furnish the bankruptcy information to the consumer reporting agencies. I am expecting this to be removed from my reports immediately and the agencies to send me an updated report showing the removal of the bankruptcy.
Product: Mortgage

On XXXX XXXX XXXX  I submitted an application with Carrington Mortgage Services . Throughout the process I have been totally transparent. All income information was submitted and verified by 1099 's, W-2 's and pension statements. I meet all requirements of credit worthiness. I have been in my home since XX/XX/2003 and not delinquent on my payments. I have more than {$220000.00} equity in my home. The home is valued at XXXX the existing mortgage is {$100000.00}, I requested a refinance for XXXX. I have been undergoing the loan process for approximately 90days and no closing has occurred. There were some hiccups along the way, but all have been rectified by being fully cooperative. Today ( XXXX ) I received a letter from Carrington Mortgage stating that my application has been withdrawn citing no reason for their actions. I called the company to speak with the loan officer and underwriter, the results were negative. I am angered because I began this process when the rates were low ( 3.625 % ), now they have reached almost 4.75 %.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DPT EDXXXX : # XXXX, XXXX XXXX : # XXXX*, DPT EDXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, DEPTEDXXXX XXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : # 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, has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a negative account that has been reported on my credit report for more than 7 years. According to the Fair Credit Reporting Act ( FCRA ), the statute of limitations for pursuing negative accounts is 7 years. As such, I kindly ask that Equifax remove this outdated negative account from my credit report within the next 30 days. 
Account name : XXXX XXXX Account Number : XXXX Status : Charge-off Date open : XX/XX/year> amount : {$560.00} The FCRA outlines XXXX statute of limitations for reporting negative accounts on a consumer 's credit report. Section 605 ( a ) ( 4 ) of the FCRA states : " Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' Given that the negative account in question has been on my credit report for more than 7 years, I am requesting its immediate removal in accordance with the provisions of the FCRA. I trust that Equifax will take the necessary steps to ensure the timely removal of this outdated negative account.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 the transactions were authorized, I was charged fees due to lagged posting of charges and credit. 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 an investigation into my account transactions.