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

I am a natural person. My legal name is XXXX XXXX XXXX XXXX XXXX. The consumer reporting agency continues to violate my rights. The consumer reporting agency continues violate 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting, ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency has caused me and my family immense hardship with there illegal reporting. Their reporting is hurting accessing MY equity in MY home because of illegal entries in my report. They claim to have done an investigation, that they did not do by the letter of the law. Who did they speak to that could speak to my character???

The consumer reporting agency violated:15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
Account : XXXX XXXX, XXXX  XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of an unverified charge-off account from my credit report. The account in question is : Disputed Account Details : Creditor Name : TD BANK USA/TARGETCRED XXXX XXXX XXXX XXXX Status : Charged off with a balance of XXXX XXXX XXXXXX/XX/year>, I sent a certified mail request to TD BANK USA/TARGETCRED, requesting a copy of the 1099-C Cancellation of Debt form associated with this account. They have failed to provide this documentation within the legally required 30-day timeframe. 

Reason for Immediate Removal : 1. Failure to Provide Required Documentation : The creditor has not supplied a 1099-C form, which would indicate that the debt was canceled and should no longer be reported as owed. 
2. Violation of FCRA and FDCPA : Since they did not verify or validate the debt within 30 days of my certified request, continued reporting of this charge-off is unlawful and must be corrected.

3. Failure to Report Correctly : If a 1099-C was issued, the account should be marked as canceled with a {$0.00} balance. If no 1099-C was issued, the reporting of this charge-off as an outstanding balance without proper verification is misleading and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a DISCOVER CARD which authorized 2 charges which put me over my credit limit by {$1200.00} and then negatively reported me to the three major credit monitoring companies. 

They authorized a charge for {$5600.00} on XX/XX/XXXX which was {$110000.00} over my credit limit and also authorized a charge for {$140.00} on XX/XX/XXXX. If I was already over my limit on XX/XX/XXXX why would they continue to authority another charge. 

I also do credit monitoring with Discover and I was surprise to see that Discover negatively reported me for going over my credit limit. I immediately called them and was told there was nothing that could be done about it. How can they allow you to go over and then report for doing so. Are they so hungry for you to use their card that they would allow you to go over by a substantial amount and not inform you or deny the transaction.
Product: Debt collection

Update to my complaint, I was notified that my XXXX could be garnished and was threatened to be. I got a loan and paid off XXXX XXXX for XXXX. I called credit bureaus to notify of illegal debt collection and Law Suit 2016, XXXX XXXX XXXX California XXXX. I was also told by a member of the XXXX XXXX XXXX there a was a lot of information that should have dropped off my credit report, still showing. I also stated to all 3, credit reporting agencies that I was never given a proper subpoena to appear in any court, They sent judgements to my old address 's and failed to contact me VIA e-mail that I have had for at least 30, years to notify me. Again keeping within what DOJ, Ca cited, they served judgements in states where the debtor was not able or given proper legal opportunity to appear. In Violation of Due Process and the 5th amendment in accordance with the OIG U.S. Treasury. They chose to act above the law, for which they again were found of guilty of in 2016. To the best of my knowledge, TSI was collection agency on behalf of USA Distributors in association with XXXX. That I am not sure is or is not the case, I am not able to confirm but hope you can.
Product: Credit card or prepaid card

Hi, I'm writing because I didn't get my referral bonus as promised in the 'Refer A Friend ' program at Discover.

I referred my friend to Discover it, who applied the card via my referral link on XX/XX/XXXX. But I never received any format of the referral bonus. I reached out to a Discover agent on XX/XX/XXXX, and he/she claimed without any proof that it must be me who did not make a referral. The agent was not helping, so I had to reach out to Discover again on this issue, and they simply refused any discussion with " appreciate your feedback ''. 

My suspicion is that they are doing fake promotional referral program.
Product: Debt collection

I PULLED MY CREDIT REPORT AND FOUND THIS COLLECTION THAT WAS UNKNOWN TO ME. ON XXXX XXXX XXXX, VIA CERTIFIED MAIL WITH RETURN RECEIPT, I SENT A LETTER TO THE COMPANY TO REQUEST DEBT VALIDATION, PURCHASE AGREEMENT, THE ORIGINAL PURCHASE AGREEMENT AND PROOF OF AUTHORIZATION TO COLLECT THIS DEBT. THIS LETTER WAS DELIVERED TO THE COMPANY ON XXXX XXXX XXXX TO THIS DAY, NOW 10 MONTHS LATER, I HAVE NOT RECEIVED THE REQUESTED INFORMATION. I DISPUTED THIS DEBT WITH THE 3 CREDIT BUREAUS AND IT WAS REMOVED FROM XXXX AS VALIDAITON WAS NOT RECEIVED. I RECEIVED NOTIFICATION FROM MY EMPLOYER THAT A WAGE GARNISHMENT WAS ENTERED AGAINST ME. I CONTACTED THE COURT AND WAS NOTIFIED HAT A SUIT WAS FILED AGAINST ME WITHOUT ME BEING NOTIFIED OF THE COURT DATE OR ANY INFORMATION REGARDING THIS. I CONTACTED THE COMPANY AND WAS TOLD THAT THE INFORMATION WAS NOT SENT AS THERE WAS A CEASE CONTACT ON THEIR FILE WHICH WAS NEVER FILED WITH THEM BY MYSELF. THIS IS VERY UNFAIR PRACTICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this problem over and over but once XXXX XXXX XXXX send info to CFPB or the credit bureaus it is taken as accurate instead of looked at and investigated. So once again I ask CFPB to investigate the reporting of my account to the 3 credit bureaus by XXXX. My account is being reported as 30 days late when my payments to the fall between 1-29 days late. Example : My XX/XX/2021 payment was made on XX/XX/2021 which would make it 5 days late. XXXX reported my account as 33 days late to the credit bureaus. My XX/XX/2021 payment was current and paid on XX/XX/2021 so my account was current. XX/XX/2021 would have made my account 33 days late if I hadn't made the payment on XX/XX/2021 or anytime before XX/XX/XXXX but my account was reported to the credit bureaus before that time which makes it fraudulently reported. The Fair Credit reporting act states that an account can only be reported to the credit bureaus 30 days after the due date. My due date each month is on the XXXX of each month. XX/XX/2021 is 5 days not 33 days late. I called XXXX  and tried to get answers as to why their reporting and accuracy of my account is so different from when I made payments and my bank statements and again the answers that I got was all over the place. I spoke to two different employees one of which was a supervisor XXXX whom I ask about reversals of payments that were made. None of my payments have been reversed or unpaid by my banks. I pay with a debit card every payment and if there is no available funds the payment will not even submit to XXXX. I was told that I had made payments by giving my checking account info, never and the last four of the checking account that he gave me isn't associated with me or any of the 3 bank accounts that I have made payments thru. Again I have NEVER made a payment to XXXX  using checking account information. I have always paid with a debit or credit card. XXXX has also charged a NSF fee to my account when none of my payments has ever been denied or returned. This entire conversation was recorded by myself and supposedly by XXXX and yes I informed both employees before during and after the conversation that they were being recorded, both said XXXX XX/XX/2021 is just one of 19 times that XXXX has reported my account 30 days late when it wasn't. I don't understand their calculations of days but the FCRA and federal government makes it clear that reporting is 30 days after the due date not 30 days from your last on time payment!
Product: Credit reporting or other personal consumer reports

Complaint Regarding Unauthorized Inquiries on Credit Report Due to Identity Theft Introduction I am writing to formally lodge a complaint against TransUnion regarding the persistent unauthorized inquiries on my credit report, which I have disputed multiple times due to identity theft stemming from various data breaches over the years. Despite my efforts to rectify this issue, I find myself in a frustrating cycle of disputes that have not led to a satisfactory resolution. 

Background of Identity Theft and Data Breaches Over the past several years, I have been a victim of identity theft, which has resulted in unauthorized accounts being opened in my name and numerous inquiries made without my consent. These incidents are often linked to significant data breaches that have affected millions of consumers. As a result, my credit report reflects inquiries that do not accurately represent my financial behavior or creditworthiness. 

Dispute Process with TransUnion I have initiated disputes with TransUnion on more than four occasions regarding these unauthorized inquiries. Each time, I provided documentation supporting my claims of identity theft, including police reports and affidavits. However, despite following the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ), TransUnion has failed to remove these inquiries in a timely manner or provide adequate explanations for their persistence. 

The FCRA mandates that consumers have the right to dispute inaccurate information on their credit reports and requires credit reporting agencies like TransUnion to investigate these disputes thoroughly. However, it appears that TransUnion is not adhering to these legal obligations, as evidenced by their repeated failure to resolve my disputes satisfactorily. 

Violation of Consumer Rights The continued presence of these unauthorized inquiries on my credit report constitutes a violation of my consumer rights as an American citizen. The FCRA is designed to protect consumers from inaccuracies and fraudulent activities affecting their credit profiles. By allowing these inquiries to remain despite clear evidence of identity theft, TransUnion is undermining the protections afforded under this law. 

Request for Immediate Action Given the circumstances outlined above, I am requesting that TransUnion take immediate action to remove all unauthorized inquiries related to identity theft from my credit report. This request is not only justified based on the evidence provided but also necessary for restoring my credit standing and ensuring compliance with federal regulations. 

I expect a prompt response outlining the steps that will be taken to address this matter. Failure to resolve this issue may compel me to escalate my complaint further through regulatory channels or seek legal recourse. 

Conclusion In conclusion, I urge TransUnion to take this complaint seriously and act swiftly in removing the disputed inquiries from my credit report. The ongoing impact of these inaccuracies is detrimental not only to my financial health but also infringes upon my rights as a consumer.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, requires the removal of any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Mortgage

In 2019, my wife and I received a call from a Wells Fargo Mortgage employee, and they stated that I had let my flood insurance expire, but they were able to get me into a policy. They stated that I would have to pay the penalty because it expired. My flood insurance went from {$410.00} a year to {$6200.00} a year. They also stated that this was going to increase my mortgage payments in order for me to pay the penalty. I began paying my new mortgage payments for several months when I realized that my flood insurance was paid through my escrow account, which is the responsibility of Wells Fargo. When I called Wells Fargo, the next lie that was told to me was that my home was re-zoned in a different flood zone through FEMA, and that was why my flood insurance was so expensive. I reached out to FEMA, and they told me that my home was never re-zoned and that Wells Fargo had lied to me. The third lie that Wells Fargo did was I cancelled my home owner 's insurance with XXXX and went with XXXX. This took my homeowners from approximately {$1500.00} per year to {$1100.00} per year. Then Wells Fargo sent me letters stating my escrow account was going into arrears, so I asked them to send me the paperwork. When they sent me the paperwork, I saw on the papers that they had both my XXXX and my XXXX insurance policies, and that is what was causing the arrears. After this was brought to their attention, they did send me a check because my escrow account had a surplus. Maryland law requires that any overage of {$50.00} or more is to returned to you at the end of the year. My escrow account has been over for several years, and I have never received my overage payments. I was sent mediation paperwork back to Wells Fargo, and they never got back to me. Also, I had made several attempts to speak with them, but they kept handing me off to different employees. This is a scam. I have since refused to pay my mortgage payment after over twelve years on a 20-year note of never being late. My wife and I are nurses and these have been troubling few years and we have been harassed by this company for all of these years. I decided to no longer send in my mortgage payments I am paying them into a separate account because this company has deceived me for the last time. I have asked them to no longer contact me that I will see them in court. They continue to contact my wife and me and I have had it with them. I was recently contacted by the XXXX of XXXX XXXX in Maryland, where I sent them documentation proving my actions. If you have any further questions, I can be reached at XXXX. Thanking you in advance. XXXX XXXX
Product: Money transfer, virtual currency, or money service

Coinbase complaint. ( Case XXXX ) On XX/XX/XXXX a deposit of XXXX euro was made on my coinbase acount. 
When I tried to withdraw it it appeared my account was blocked and I was not able to withdraw. 
A few days later the XXXX euro was gone from my account. 
When I contacted Coinbase they said they can do nothing to restore it and the did not want to give the reason why. 
So my conclusion is that their software is no good or they just stole my money. 
I have in my posession the recording of the telephone call with the person who made the deposit and the screenshot of the moment the XXXX euro was still on my account. 
I hope you can help me get my money.
Product: Debt collection

In response to Complaint # XXXX : If it is to be assumed that I.C. System was given consent to have my identifying information, then according to 15 USC 1692g, you were required by law to communicate with me before a report is furnished. If this is true, please provide the proper documentation such as a tracking number that shows correspondence was sent before furnishing commenced on XX/XX/XXXX. 

You admitted, " The account information IC System furnished to the credit reporting agencies was provided by the original creditor and has been verified by the credit bureaus ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ", while omitting the credit reporting agencies used XXXX to verify information through I.C. System on those 6 different occasions. This admission is proof that I.C. System is committing aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

If I.C. System can not produce documentary evidence, such as a trilateral contract, of your claim that there is any legal obligation to pay you and if collection efforts continue I will file for litigation for actual damages caused and hold I.C. System criminally liable as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being struck by another driver that ran a red light on XX/XX/2019, our financed vehicle was deemed undrivable and towed to an impound lot. 
The other party in the accident was at fault, but her insurance company took a long time to accept the claim ( finally accepting responsibility and agreeing to pay off our auto loan, plus additional  compensation on XX/XX/2019 ). 
Meanwhile our car sat in an impound lot and the towing company, seeking to be paid, attempted to file a lien on the vehicle without contacting us. 
XXXX XXXX XXXX, with whom we have a $ XXXX loan on the vehicle and to whom we have continued to make payments timely and in full, received notice of the lien. They then determined that the damaged vehicle was worthless, and declared it abandoned and placed our loan in charge off status again without contacting us. 
Until XX/XX/2019, we had no knowledge of the attempted lien or negative credit reporting. If we had known, we would have simply paid the towing company and/or XXXX XXXX XXXX and sought recovery through insurance once the claim was accepted. 
We spoke with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 and were informed that once they receive payment from the insurance company they will contact the credit reporting agencies to have that charge off removed from our record. Although they acknowledged the credit reporting needed to be corrected and that we have always paid in full on time ( the loan was never delinquent and is not currently in charge-off condition ), they will make no effort to correct this until they have been paid in full. We offered to pay in full to speed up the correction process, but they advised us to allow the insurance company to complete the payoff process that is already underway. 
Unfortunately, we are currently in the process of obtaining a mortgage ( primary residence ) and this negative and erroneous credit reporting could interfere in our ability to obtain that financing. 
We respectfully request your assistance in encouraging ( if not enforcing ) prompt and accurate credit reporting by XXXX XXXX XXXX in this matter. If this is not remedied swiftly, it could have significant implications for our personal financial situation that are unjust and unwarranted.
Product: Credit reporting or other personal consumer reports

Filed dispute with XXXX on XX/XX/year>. XXXX completed the dispute same day. Therefore, I believe no investigation was attempted. I received dispute results same day I filed the dispute & it was marked completed & updated. In addition, names listed are inaccurate. I've only used XXXX XXXX XXXX. No other names. Phone & addresses are also inaccurate. I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX & my phone number ends XXXX. I am unaware of any other addresses or phone numbers listed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several queries from the same provider ( Equifax Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX ) for the following dates : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, on my XXXX and Equifax accounts. Please delete these queries immediately.
Product: Debt collection

There is an account with XXXX XXXX XXXX reporting an inaccurate collection account on my credit reports. I am not familiar with this account and have reached out to them to get validation of debt to resolve this issue. It has been more than 30 days and I have not heard anything back from them and I know that per the consumer laws it is illegal for them to ignore my request to dispute this information. I am requesting documentation regarding this account or for the account to be deleted from my reports now as they are in violation of the consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX inaccurate inquiries being reported By Transunion and 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 Inaccurate Inquiries being reported by Transunion and XXXX Below : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Over two years ago I had two Comenity Bank cards. XXXX rewards XXXX and XXXX XXXX. I was never late in fact I paid my balance in full but for whatever reason comenity bank has placed me on a blacklist. Every time I try to apply for one of their cards they declined based upon a glitch in their system. There are reasons for Declining me are as if I had a bad debt or paid late ( None Could Be Further from the truth ). I would like comenity to release my entire payment history on both accounts to CFPB and explain why they keep declining me credit When theyre not even basing my credit for a decision but its an internal decision which is a glitch.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX  for {$900.00} was disputed and deleted from my XXXX  account on XX/XX/2020. This account should be removed from my other reports as well as it is inaccurate.