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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Transunion,. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/2024, I submitted a dispute to Transunion, regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate XXXX Process : Despite my detailed dispute, the XXXX XXXX XXXX failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed XXXX Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. XXXX of XXXX : There is a lack of clarity on the timeline of the investigation, including XXXX dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Capio Partners XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim I have a $ XXXX/XXXX  and $ XXXX/Capio charge off. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

My mortgage was with XXXX. I sent so many documents to XXXX. 
For years I sent documents. I had a loan modification with XXXX. My loan was transferred I tried at tell them that I had a plan with XXXX. SLS said they could n't find anything. I had to start over. I have sent many documents to them. SLS even sent me a Summons and Complaint. 
When I learned that my loan was transferred I was confused because XXXX had just approved me for a loan modification. With SLS I had to start over and still sending documents. I do not want to lose my home. 
I paid an attorney to help me over {$5500.00}. ( considered a scam ) he took my money.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. I recently viewed a copy of a credit report, and I notice there are unauthorized credit inquiries made by the companies listed below..

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the name, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing the credit inquiries, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized these Inquiries. I ask that it be removed immediately from my credit file. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 


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 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 XXXX
Product: Debt collection

An agent from the company call Me on XX/XX/2018 @ XXXX. No consent was ever given by me to speak to her concerning the debt in violation of the Fair Debt Collection Practice Act. 805. "  Communication in connection with debt collection '' Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

One day before her call, the agent informed me that a letter was mailed to my home address on XX/XX/2018 in violation of 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice The agent I spoke with was both abusive and oppressive with me, and used obscene language to abuse the hearer of her words. I was also harmed with a threat of my reputation being ruin if the debt was not paid in full. In violation of 806. Harassment or abuse 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Product: Debt collection

On XX/XX/2020 I received a copy of my " Equifax '' credit report in the U.S. mail. Yet on it was a " False '' debt notation under the " Credit Management '' section of " Page 5 of 36 '' that incorrectly stated that I owed " $ XXXX '' to some unnamed " Cable/Cellular '' company effective " XX/XX/2020. '' I have NEVER owned a " Cable '' T.V. NOR owned a " Cellular '' ( cell ) phone.

This " Debt '' is NOT mine!!!
Product: Mortgage

In XXXX, due to a medical emergency that was not covered by insurance, I had to use my money to pay for the procedure and missed two mortgage payments. In XXXX, for two months, I made my regular mortgage payment and an additional payment which should have brought the account current. I have not missed another payment since that time. The mortgage lender has not properly credited my account. The lender at the time was XXXX XXXX. The sold the loan to Midland Mortgage. They continue to send me letters stating I am three months behind ( they count the current month ) and inform me that I am on the brink of foreclosure. I have been in my home since XXXX. I have sent them information to show them where those additional payments were made, but have been unsuccessful in my attempts to get them to properly credit my account. They want me to do a loan modification, but i have no desire to start my loan over again and I should not have to do that. If they did not credit those funds to my account, where did the money go? I need help!
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ), as it requires timely access to funds. This situation raises concerns about, consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting

Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from TransUnion, XXXX, and XXXX contains multiple collection items on my credit reports from XXXX even though they are over 7 years old and actually scheduled to be removed in XX/XX/XXXX. If you noticed from the attached file the reporting dates are different and inaccurate this alleged account is from when I was in college which was over 13 years ago considering I started college in XX/XX/XXXX and graduated in XX/XX/XXXX. So considering the time frame either way the items are between 9-13 years old which is passed the 7 year mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reached out to the CEO of Capital One via email. The email I sent over was a goodwill letter asking for forgiveness and an adjustment for 7 late payments that I acquired from XX/XX/XXXX to XX/XX/XXXX. I explained in the letter that my late payments were due to financial hardship. During that time, I had lost my job and suffered XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received a call from a XXXX from the executives office on XX/XX/XXXX regarding the letter basically informing me that theyll look into the matter and by the end of the week, I should expect a response. The following day, I received another call from XXXX at the executives office stating theyre not willing to adjust the payments but refused to inform me why they chose to decline. Attached is the letter that I sent via email to the CEO.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I claimed and declare that I had my XXXX XXXX  since XX/XX/2019, but the XXXX credit bureaus has never reported my mortgage on my credit report. See the attached copy of my credit report and other documents. Please help me resolve this issue as soon as possible. XXXX XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXXXXXX
Product: Debt collection

In 2011, I applied to the University of XXXX, XXXX send the student loan directly to the University of XXXX. I took 3 classes and realized that my online course was not taught by licensed professionals and canceled. 
I kept paying until I realized three classes do not cost {$10000.00}. I wrote the department of Education a letter about that I had paid almost half of the loan and that three classes do not cost the amount I had already paid. However, I did not get any response and filed a docket within the Federal Court in XXXX. This case was dismissed, yet the Department of Education contacted me three years later from the headquarters of the Department of Education from Kentucky. This issue is in my credit reports since 2011. 
Because of this issue my credit scores are down and I suffered personal damages. I was misrepresented and misguided because I was told I have to file a Loan Borrowers defense in order to have it removed. Can you be of help?
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is appearing on my credit report as delinquent when there is a pending Appeal of this case and no decision has been rendered in this matter, therefore this debt collection agency is falsely reporting a voluntary repossession on my account, while this case is being Appealed currently with the Fourth District Court of Appeals.

Please see attached documents
Product: Credit reporting or other personal consumer reports

I currently have a loan with Edfinancial. My student loans were on auto pay for years. Starting back in XXXX the started reversing my payments. I tried to resolve the issue and thought it had been resolved, but the continued to reverse my payments. I had not noticed until XXXX. I called again and they could not give me a clear explanation of why this was happening. I called my bank and they said that Edfinancial was reversing my payments. I reset my autopay which then went through. Fast forward. It continued to reverse and now I have 90 day delquency on my credit report. They still can not give me a valid reason of why this is happening and offered me a hardship application to fill out which I do not want to do. They did however bring my payments up to date but are saying it will not reflect on my credit report unless I do a hardship application. I got online and see that there are a lot of people that this has happened to. Its not fair this is being reflected on my credit report when it is clearly an issue with their payment system and I have taken steps needed to pay my loan and it is a deference on their end. This payment list on their website is inaccurate as I had began my repayments in XXXX, but it only shows me starting payments in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XXXX a false negative report was recorded in the trans unions system. This negative report was received by my XXXX  card and my XXXX card. My XXXX  card noted it in my monthly fico score but took no action and my XXXX card sent me a letter notifying me of a reduction in my credit limit. I contacted trans union on XX/XX/XXXX and rep indicated that there was no record of any negative report on my credit. My complaint is against trans union as the False negative report only could have came from them, as 2 separate credit cards noted a negative report and both get their information from transunion. It is deeply concerning to me as there seems to be no record of where this false report came from. For an entity ( transunion ) responsible for such valuable information these sorts of mistakes need to be taken seriously and investigated through.
Product: Checking or savings account

Last XXXX I received email from keybank get {$300.00} by opening a gold money market savings account, so I opened account with XXXX dollars ( I funded the amount while opening the account, money was funded by another bank ), I kept XXXX for over 60 days, as it require. So far I still got not any bonus at all. Called customer service they confirmed Im eligible for the offer and escalated the issue, submitted internal ticket, long time past, still no bonus.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than XXXX business days after the date reception. It has been XXXX  days and you are in XXXX  of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in XXXX under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 FIRST ATTEMPT/LETTER SENT : XXXX placed INACCURATE and INCOMPLETE information on my EXPERIAN credit report as open in my legal name. XXXX XXXX XXXX placed INACCURATE and INCOMPLETE information on my EXPERIAN credit report as open in my legal name. XXXX placed INACCURATE and INCOMPLETE information on my EXPERIAN credit report as open in my legal name. EXPERIAN claims an investigation was done and received a signed contract from with my signature on it. This is not true and still false information remains on my credit report. XX/XX/2020 2ND ATTEMPT/LETTER SENT and I called to dispute these accounts and Experian refused to file my dispute and advised I contact CFPB. XX/XX/2020 3RD REQUEST to see Verifiable Proof ( an original My Consumer Contract with my Signature on it ) placed on file of the accounts listed before. EXPERIAN failed to positively verify these accounts and has hurt my ability to obtain credit. XX/XX/2020 FINAL LETTER/PENDING LITIGATION According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), CRA are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old account it been ten years on old account where they keep updated after 7 year it supposed to be remove I tried many time disputes these account
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple Accounts on my Report that I am not familiar with
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody trying to get credit and made hard insquires on my credit report that are not mine XXXX to be XXXX yes are mine but others no please help remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three letters to each of the credit bureaus XXXX, equifax and XXXX since XXXX. The letters were sent XXXX, XXXX and XXXX. and I have not received a response from either bureaus. I have a number of incorrect items on my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a complaint with CFPB regarding this identical matter, under case # XXXX. The dispute was resolved in XXXX of XXXX, yet XXXX XXXX has not removed the 30 day late from my credit report. XXXX XXXX CONTINUES TO VIOLATE ME during the period in which I should have already been able to purchase a home. XXXX XXXX has intentionally and spitefully targeted me ever since I chose to close my account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my account. Ive never did any of these inquired someone else be using my information.