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

In XXXX of XXXX, I submitted a letter to TransUnion regarding XXXX XXXX showing on my credit report that is not mine. TransUnion responded with a letter that the account was verified. On XXXX XXXX I submitted a letter directly to the source that TransUnion stated they verified the account with. The Public Record listed on my report shows XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Within my TransUnion report, the address of verification is listed- this is the address I submitted a letter to. I am attaching a copy of the response letter I received from the Court stating they DO NOT verify any information with any credit bureau. I then submitted this letter to TransUnion stating the court did not verify the information with TransUnion. TransUnion refused to remove it from my credit report. I submitted a letter to XXXX XXXX- a 3rd party verifier of information for Credit Bureaus stating there was a public record on my TransUnion credit report that is not mine. XXXX XXXX sent me a letter dated XXXX stating the XXXX XXXX is unverifiable and they have removed it from my credit report. I submitted this to TransUnion immediately and they again refused to delete the incorrect account from my credit report. On XXXX, I obtained a new TransUnion credit report and it still shows a Public Record on my account that is not mine. I again submitted another letter to TransUnion dated XXXX stating that this is incorrect and again requested that it be removed. I also sent a copy of my credit report, along with a new letter to the address of the Public Record that is showing on my TransUnion report. The Court sent a letter back to me dated XXXX stating that they did NOT verify any information with TransUnion. I am demanding that this Public Record be deleted from my TransUnion credit report immediately.
Product: Payday loan, title loan, or personal loan

First let me say I 'm a member of the Armed Forces for this great country & take a huge pride in protecting it but I 'm totally against people being taken advantage of. I obtained a loan through this company & made payments on time. Shortly after I spoke with customer service & asked if i made a large payment could it be forwarded to future payments so I would n't have a payment due for about a year, they informed me that this was okay for me to do so I made the large payment. About a week after making the payment I checked my account status online & yes it stated that I indeed do n't have a payment for a year. 6 months down the road I get a notice about a payment being due so I called in & explain the arrangements that were made & they told me that it was a mistake & payment was now due. Of course I 'm furious, the rep advised me that they would escalate the issue & someone would call me back. I even had the rep look into my payment schedule & he agreed that he didnt know why i have a payment due when the online payment schedule even states that its not due for another 6 months. When a higher up called me they informed me that my payment was past due & a mistake had been made, i even looked online & behold they had changed that status to reflect that my payment was now due instead of the aformentioned 6 months. I 'm on a fixed income & ca n't afford to be swindled out of my hard earned money. This company has even reported negative marks on my credit report. I want this bad report removed from my credit profile. I 'm already considering contacting the local media about this issue in addition to letting all my family, friends, & co workers know what kind of business practices Avant is in to!
Product: Debt collection

On several attempts I have tried to explain the Medical Data Systems to stop contacting me ... .... This company has repeatedly placed a negative item on my credit report.. i am informed that this is a collection agency who are violating my rights as a personal consumer because I have never had any type of relationship or contract with them ... Also I feel as I'm the victim being they are buying my identity from companies or venders that I have no knowledge of ... ... This goes against FCRA and definitely goes against HIPPA consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

All Credit bureaus broke federal law and violated my consumer 's rights. XXXX, XXXX, 2022, I written a letter to All three bureaus to remove the accounts listed in my letter due to the fact there is no written consent from me ( consumer ) to place the accounts on my consumer profile. XXXX XXXX Never sent me any results from the first round of letters I mailed out to credit bureaus Violation 1- 15 USC 1681 ( b ) Permissible Purpose- A consumer must provide written instructions to the CRA on what is needed to be reported on a consumer report. The CRA do not have a written consent from consumer for the accounts listed on the consumer report. 

XXXX, XXXX I sent another letter out to request the method of verification from the credit bureaus but No one provided the information I requested. Equifax, XXXX and not even XXXX XXXX responded to may request. 

Violation 2- 15 USC 1681a ( e ) - Request of Method of Verification was not provided by the bureaus. As consumer, I have the right to know what method was use to conduct an investigation by the CRAs. 

There are collection reporting on my consumer report that I did not give any consent to have my personal information. This is a violation of my right of privacy. 

Violation 3- 15 USC 1681a- consumer have the right for privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous collections listed on my credit report that I have no knowledge of. This was a result of malpractice or an error which is negatively impacting my credit worthiness.
Product: Mortgage

I did apply for Home refinance with equity loan and I provided everything all documents XXXX XXXX XXXX asks me too along with 30 days Pay stubs, XXXX form for XXXX years, Assets such as XXXX, stocks, all Bank accounts include with my husband information. 
I am assuming my application is approved because I signed and initial all documents, consent, etc. thru Sofi online account. 
The last document I attach missing paystubs, XXXX form, XXXX, Mortgage statement week ago and he needed the appraisals receipts which I am confuse because he did not tell me will be provide by Sofi company. 
I send him an email this Monday XX/XX/XXXX asking if I have to hire the appraisals person, and he replied that the Sofi company unable to use from other lenders. 
I made a schedule appointment with him XX/XX/XXXX and Ive talked to him the afternoon, and he states that my application will not be forwarded due to Texas law because weve taken equity loan many years ago and cant be a HELOC and I ask if there is another way he said for me to go to my current lender. 
I was very disappointed that all documents related to me and husband personal information were sent to him and all signed. Not only that our 3 credit report requested and this how he handles customer service professional?
Product: Checking or savings account

On XX/XX/year> followed an online marketing from Regions Bank for cash bonus promotion of {$400.00} for new checking account, {$100.00} for new saving account and {$200.00} for new credit card I opened all these accounts at the branch situated on XXXX XXXX, XXXX, TX XXXX. 

I met all the requirements for {$400.00} cash bonus of a new checking and {$100.00} cash bonus for new savings. However, the bank adamantly refused to honor their marketing advertisement without any justification. Worst Regions also denied my credit card application without a good reason. The Bank unreasonable refusal leave me no other choice but think they have discriminated against my race. Their deception, unfairly dishonoring their cash bonus promotion on all banking products leave me no other choice but file this complaint against Regions Bank with CFPB organization.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

Account : XXXX XXXX number XXXX XXXX ( CLOS ED ACCOUNT ) payments late year XXXX. 

In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE APPEARING ON MY REPORT. 
I HAVE NEVER RECEIVED A COLLECTION LETTER FROM XXXX XXXX BEFORE SUBMITTING THE BELOW ACCOUNT AS A COLLECTION ACCOUNT TO YOUR BUREAU IN DIRECT VIOLATION OF THE FDCPA ( FAIR DEBT COLLECTION PRACTICES ACT ) THIS ACCOUNT IS NOT MINE, AND I DEMAND IT TO BE DELETED. THIS ACCOUNT IS TO DELETE IS XXXX XXXX, XXXX, # XXXX. REFER TO THE ATTACHED IDENTITY THEFT POLICE REPORT. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
THIS ACCOUNT WAS NEVER LATE, REFER TO ACTUAL PAYMENT HISTORY AND THERE WHERE NEVER LATE PAYMENTS EVER MADE, REFER TO ATTACHED REPORT SHOWING CREDIT XXXX AND XXXX HISTORY WHICH SHOWS NO LATES. I DEMAND THAT YOUR AGENCY AMEND THIS ACCOUNT TO SHOW NEVER LATE IMMEDIATELY. THE NAME FOR THE ACCOUNT THAT YOU ARE REPORTING LATE HAS A DIFFERENT NAME FOR THE SAME ACCOUNT FROM XXXX, XXXX  AND EQUIFAX
Product: Credit card

I have had a charge card with Bank of America for awhile. The card was stolen and transactions were made that were not mine. I filed a few fraud claims but they were closed. I even sent a police report showing the theft.
Product: Debt collection

This letter sent by Barclays is a false report. It was a resolved issue over XXXX XXXX  ago. I did receive a letter stating it had been cleared off my record. It was a fraudulent use of an XXXX account credit card which someone had used several times. After working with the company itself, I closed the account and sent in all the information. It took several tries but it was finally resolved an taken off my record. It was a credit card charge of about {$200.00} which I did not owe. 

Please notify the company to remove all the information about myself from their records to AVOID A LEGAL ACTION.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received several emails alerting me to a hard inquiry added to my credit report. This inquiry was from Capital One bank. I have two accounts with capital one credit cards, however I did not contact them or request any services that warranted this inquiry. I called capital one bank on XX/XX/XXXX and XX/XX/XXXX. Both times I couldnt get an answer for what the inquiry was and was redirected to checking credit karma or calling transunion. The representatives were not so helpful. I reached out to transunion on XXXX and was able to determine this was likely fraud, especially since Ive had two incidents with credit card fraud on my capital one accounts in the past two years. I was able to put a freeze on the account and given further directions to file this complaint.
Product: Money transfer, virtual currency, or money service

It has been well over 15 days since I have spoken to someone in the Fraud Department at BOA. Last Thursday - I got a phone call from a person of BOA - Stating there is still nothing they can do. 

After myself I am reaching out to XXXX and XXXX XXXX to find out if anyone else has noticed fraud activity with these accounts money is being sent to - Both banks are requesting XXXX XXXX   from BOA. They are not responding to any type of phone calls or emails regarding my claims.
Product: Debt collection

I am writing you in response to the medical that was submitted to my credit. regarding the alleged debt referenced above. I do not acknowledge this debt and am requesting that you provide validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information : 1. The name and address of the original creditor. 2. The account number and amount of the alleged debt. 3. A copy of the signed agreement or contract that proves I am responsible for this debt. 4. A detailed payment history, including any fees or interest added. 5. Proof that you are legally authorized to collect this debt in my state. Until I receive this information, I request that you cease all collection activities, including reporting this debt to credit bureaus. Any attempt to collect without proper validation violates my rights under the FDCPA. If you can not provide the requested documentation, I expect you to remove any negative credit reporting and cease further collection attempts. Please respond within 30 days of receiving this letter. All future communication regarding this matter must be in writing. Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I filed a dispute with Experian ( certified mail ) about a bankruptcy/Reference # XXXX on my credit file that Experian maintains XXXX my Social Security Number. On XX/XX/21 I called Experian and spoken to a woman who stating that the bankruptcy verified as accurate. On XX/XX/21 I certified mailed XXXX more documents, ( 1. ) A RE-INVESTIGATION/METHOD OF VERIFICATION letter and to inform Experian that I was execising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). ( 2. ) A document from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  stating they DO NOT report/verified to Experian or any credit bureau for that matter. ( 3. ) A document informing Experian that their original response of them verifying the item with the court was either an error or a lie, and that either way the reporting requirements do not comply with the FCRA section 611 ( 15 U.S.C. sectection 1681 ) and that the information must be deleted immediately. On XX/XX/21 I checked my Experian credit report and Experian only replied to those documents " verified as accurate and unchanged ''. I immediately called Experian and spoke to a guy named XXXX, I informed XXXX of they ( Experian ) DID NOT respond to my request for the METHOD OF VERIFICATION. XXXX went to inform me that it was against their policy to give me their METHOD OF VERIFICATION. I then moved forward to inform XXXX that they ( Experian ) are in full violation of my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) by denying my request for the METHOD OF VERIFICATION. I also inform XXXX ( Experian ) that the item in queustion is inaccurate and represent a very serious reporting error. XXXX than said hold on for a minute, I was on hold for an hour and 37 minute until a lady picked and said " We can not give you our METHOD OF VERIFICATION and as he told you its against our policy and have a great day now '' and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent off letters to all three credit bureaus to investigate. All of them came back as accurate I know they didnt investigate because my credit report still shows different showings on each of them
Product: Debt collection

I rented a home from XXXX XXXX XXXX XXXX in XXXX XXXX. I paid a {$1200.00} security deposit, I was informed by my employer that I needed to transfer out of state in XXXX XXXX. I paid XXXX XXXX rent in the amount of {$950.00} on XXXX XXXX, XXXX. I informed XXXX XXXX XXXX XXXX at the first of XXXX XXXX that I would need to break the lease due to being transferred out of state. XXXX XXXX XXXX XXXX stated that I would forfeit my full security deposit as my early lease termination fee and I agreed. i vacated the home on XXXX/XXXX/XXXX and I received a email the following week from XXXX XXXX XXXX XXXX containing XXXX attachments. The first attachment was a letter dated XXXX/XXXX/XXXX stating that my security deposit had been forfeited for the early termination fee and to see additional attachment pertaining to additional charges. The second attachment with the breakdown of charges reflected these additional charges : {$300.00} for repainting XXXX rooms ( I was given verbal permission to paint these rooms and i had a professional contractor paint them. {$170.00} for rekeying the locks and a {$100.00} cleaning fee all totaling {$570.00}. The statement reflected my security deposit as {$950.00} which was not correct and leaving a the statement reflected i owed a total of {$400.00}. I called XXXX to dispute this matter and could not get the issue resolved. The rent credit for the 11 days that I did not occupy the home from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX in the amount of {$330.00} was not credited back to my account. I am not legally responsible for these 11 days due to the fact that I was not occupying the home. In XXXX XXXX I checked my credit report and found that a collection agency ( NCC Business Services ) had placed a account on my credit for XXXX XXXX XXXX XXXX in the amount of {$1700.00}. I immediately contacted the collection agency to dispute and I was informed to send a dispute to them via email in which I did. I then disputed this account with all XXXX credit bureaus providing proof of all written correspondence that I have previously mentioned in this complaint. The credit bureaus responded back stating that consumer disputes and this account meets FCRA requirements. I want this matter resolved and removed from my credit report.
Product: Mortgage

Hello I have been working with XXXX XXXX  XXXX, XXXX department since XXXX of XXXX. I have faxed documents to the phone number they provided on their official letter head. I have mailed and emailed documents that they claim not to get since XXXX of XXXX. They have finally confirmed receiving documents and we have been stuck with them telling me the loan is with the underwriter for more than 90 days. Since XXXX of XXXX  they have not provided me with a closing date for the house I am purchasing. I suspect this company is committing some type of fraud or engaging in false practices and lying about actually being a legitimate mortgage company who can process a loan or provide a mortgage on a home.
Product: Money transfer, virtual currency, or money service

i went to td bank to make an international transfer to XXXX to td bank the bank worker set it was going to be there the next day the transaction was on XX/XX/2021 for XXXX dollars and the money is not there i went to the branch on XX/XX/2021 and the manager told me international takes three to four business days today is the XX/XX/2021 i call td bank and now they are saying that its going to take 10 business days.
Product: Credit reporting or other personal consumer reports

In the attachment you will see that the " date opened '' dates on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX show discrepancies. These inaccuracies are causing a negative effect to my credit 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 under 15 USC 1681. 

Account name : XXXX XXXX account number XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX - XXXX XXXX ACOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX XXXX  ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX, ACCOUNT NUMBER 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

Re : Dispute of Unauthorized Furnishing/Access of Credit Information for Closed Accounts To whom it may concern I am writing to dispute the reporting of the following accounts on my credit report. These accounts are reported as closed, and I assert that I never provided written consent to these entities to furnish or obtain my credit information, as required under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). 

Disputed Closed Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX Under the FCRA, a permissible purpose is required for any entity to access or furnish my credit information. I have no record of authorizing these entities to report or access my credit file, particularly after the accounts were closed. Additionally, I challenge the accuracy of any reported information associated with these accounts. 

Requests for Investigation : Verify Authorization : Provide documentation demonstrating that each entity had written consent or another permissible purpose to furnish or access my credit information.

Confirm Reporting Accuracy : Investigate the accuracy of all information reported for these accounts, including account status, balances, and payment history. Delete Information : If the investigation finds that these entities lacked permissible purpose or that the reporting is inaccurate, I request immediate removal of the disputed entries from my credit report. 
To assist in your investigation, I have enclosed : A copy of my credit report with the disputed accounts highlighted. 
A copy of my government-issued ID for identity verification. 
A utility bill or other document confirming my current address. 
I request a written response to this dispute, including the results of your investigation, within 30 days as required by the FCRA. If the disputed information can not be verified or is found to be inaccurate, I expect it to be deleted promptly from my credit file. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this issue. 

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

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Bankruptcy chapter XXXX-dismissed XX/XX/XXXX {$0.00} XXXX US BKPT CT GA XXXX - Bankruptcy chapter XX/XX/XXXX-dismissed XX/XX/XXXX {$0.00} XXXX US BKPT CT GA XXXX - Bankruptcy chapter XX/XX/XXXX-dismissed XX/XX/XXXX {$0.00} XXXX US BKPT CT GA XXXX { dispute_item_and_explanation } XXXX XXXX XXXX XXXX {$3700.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} {$300.00} 17 % Revolving Negative XX/XX/XXXX XXXX