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

I recently ordered my consumer credit file from Transunion, XXXX and XXXX and notice these late payments with XXXX XXXX XXXX XXXX XXXX  # XXXX. I am requesting all late payments be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on me in the first place. The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.
Product: Student loan

Pursuant to USC - 1691 : It is ILLEGAL to be denied credit. If you are denied credit it is an adverse action and it is UNLAWFUL for any creditor to discriminate against any applicant. 

So in other words the fact that I was provided with an application and asked to submit my social security number, from that instant I was blinded to there contract and they after the fact denied my application. Therefore they are blatantly operating against the law and discriminating against me. And to make matters more interesting they are breaking the law...
Product: Student loan

I have to re-certify my Income-Based Repayment ( IBR ) plan each year. My monthly payments because of this plan are around $ XXXX/month. In XXXX of this year ( XX/XX/2019 ) I had to re-certify again, like I do each year. Last year my household income decreased from previous years. Well, my student loan payment has now tripled to over $ XXXX/month from last year. Why? I have no idea. If you compare my tax returns, which I submit each year, you'll see the decrease.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX  Balance : {$11000.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a phone call from XXXX. This caller was a man who was calling from the XXXX XXXX XXXX department, threatening to arrest me for misdemeanors ( missing court date for a warrant ). I asked for verification and they called me from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) on a separate call line. I was able to verify this number on the XXXX XXXX XXXX website. They asked for {$3500.00} payment via XXXX as a hold payment until I showed up to the XXXX XXXX XXXX XXXX. The recipient information as provided on XXXX was XXXX XXXX at XXXX. The caller was intimidating and threatened to come to my workplace to arrest me immediately and repeatedly pressured me to make a decision as to which way I would be willing to proceed ( either arrest or payment ). After I sent the initial {$3500.00}, they asked for additional banking information to send the remaining {$1500.00}. As I had no other methods to send money, they hung up. Immediately after getting off the phone with them, I called Bank of America to report the scam and to try to block payment. They said they would investigate this- they sent me documentation on XX/XX/XXXX that they were unable to do anything and would look into the recipient bank to see if anything could be done to recover funds. I received additional documentation from Bank of America on XX/XX/XXXX that nothing can be done to recover the funds from the recipient 's bank. I have contacted Bank of America on XXXX separate occasions but they are unable to provide me the XXXX payment ID to report it as a scam to XXXX. A police report was submitted to XXXX XXXX Police Department - report number XXXX as it is a crime to impersonate a police XXXX. This was reported to the Federal Trade Commission. 

I submitted a complaint through this website as well. Bank of America did not assist in this situation- the response I received from them included the wrong amount of money transferred. In XX/XX/XXXX, XXXX reported that XXXX banks are to start reimbursing victims of scams that were claiming to be government agencies. I reached out to Bank of America XXXX team XX/XX/XXXX and after speaking to various individuals, they said my claim did not fit the requirements for reimbursement. Im reaching out through this form again to bring awareness that banks are publicly saying one thing but then privately doing nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have been filing a complaint against XXXX XXXX XXXX XXXX and Transunion XXXX XXXX XXXX - Account XXXX XXXX  XXXX XXXX XXXX Account XXXX, XXXX and Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Transuninon and XXXX No investigation has been opened on my behalf. Also have sent request for Debt validation and have not received anything back from the creditors or collection agencies regarding my dispute. The bureaus are now considered being in direct violation of the FCRA guidelines and also the collection agencies are now in direct violation of the FDCPA guidelines. The timeframe for an investigation has now passed and I am requesting within my consumer rights for a permanent deletion of the accounts listed above. I have attached the disputes that was sent in the to creditors/collections agencies and to the bureaus with no regards are response back. I have also attached my Driver 's License, Utility Bill and Social Security card for proof of my identity. Please consider this my written authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). 
This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Debt collection

I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. It distresses me that the information included in my credit profile has not been maintained with reasonable procedures to ensure maximum accuracy, as mandated by credit reporting laws. The accuracy of credit information is crucial, and I believe every effort must be made to assure that information reported is entirely accurate and correct. I am specifically addressing the following information, which I request to be reinvestigated : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I respectfully request that you provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. In the absence of such documentation, I insist on the immediate deletion of this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX  : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$2200.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX BL 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. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have reason to believe that XXXX XXXXXXXX refused to drop my name from their books and continued to charge loans in my name. I enrolled in the in the school and quickly found out that their accreditation were questionable, so I dropped the classes. Years later, I notice that all of those classes were charged in my name.
Product: Student loan

My loans were processed under XXXX XXXX XXXX on XX/XX/year>. I was promised refunds of all payments made within 90 days of that date and have received only a partial refund. I have proof of all payments and screen shots of my account with Mohela. No one can tell me where my refund is. I have received two partial payments, one in check form and one direct deposit. I was to receive all refunds in check form. The loan company is not being transparent and has failed to provide any information regarding the remainder of my refund.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with
an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on account is incorrect or in accurate. Myself as the consumer has the right to dispute any information that is not correct on credit report. Several disputes have been filed and has been unanswered with no information provided on the Account that is showing inaccurate. 
When looking at file it is saying that information has been verified yet no information has been sent to myself. 
Account information is as follows XXXX XXXX XXXX XXXX  XXXX {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was hacked and failed to notify consumers. I was a consumer that was impacted by this hack. Managers sold stock before notifying customers. Unacceptable. My private information has now been shared with the President 's best XXXX buds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Transunion I bought XXXX XXXX from a dealer 2016 I put {$1000.00} down paynent Obe month and half later they took tge car from my drive way.

I was workibg and able to make my payment.

No notice, no warning & took the with all my belonging.

I complained with the other 2 credit repirting companies & is corrected. Trabsunion refused to do so.

I need your help XXXX   XXXX
Product: Debt collection

XXXX violated my XXXX rights by providing my actual medical information ( Person Health Information ) to a collection agency, AllianceOne ( in an attempt to collect a debt ) in which there was no previous SIGNED authorization to do so. This serious violation occurred on or around XX/XX/2017. 

In doing so, XXXX provided this information to a collection agency ( AllianceOne ) which included information not required to to collect a debt : -- " Detailed Summary '' of Patient Accounting -- Patient Number -- Medical Record Number -- Department ( i.e., Trauma, General Surgery ) -- ICD 9-CM Procedure Codes -- Pathology of Condition The information collected by the collection agency clearly was a GROSS and TORTIOUS effort to disregard my privacy and clearly violates my XXXX rights as well as FCRA and FDCPA laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, I recently learned a former care provider used my social security number and a made up birthday to open accts, some of them my family paid not knowing how they were opened. I have sent in copies of my state id and birth certificate several times and XXXX removed all the errors. However Equifax and XXXX still show accounts, XXXX XXXX XXXX showing a balance. 
the act was opened in XXXX, and wrote off in XXXX, I turned XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I am wanting to file a complaint on experian for there continuous inaccurate reporting and for there illegal practices by changing the date of first delinquency, charge off date and Last Payment on a account on my credit report. 

XX/XX/XXXX I sent experian a letter based on there inaccurate reporting stating they are reporting a active payment history on this account when it is closed. 

XX/XX/XXXX I viewed my results online and they claimed the information I disputed has been updated. they didn't remove the active payment history of charge offs every month that I requested and they changed the Last Payment from XX/XX/XXXX to XXXX XXXX they changed the date of 1st delinquency from XX/XX/XXXX to XX/XX/XXXX. They changed the charged off date from XX/XX/XXXX to XXXX XXXX if I am not mistaken experian illegally re-aged this account and this a major violation. 

XX/XX/XXXX I responded with a letter stating all of the information as stated above from my results XX/XX/XXXX experian sent me results STILL reporting a c/o monthly and they changed the Balance Updated and Status dates from XX/XX/XXXX to XX/XX/XXXX?? they completed this investigation in 10 days. they still did not remove the active payment history as I originally requested. experian is in non compliance and doing illegal procedures.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2. Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 
Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXXXXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXX XXXX  ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 
Demand for Immediate Action I demand the following actions, without delay : 1. Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2. Provide a comprehensive written explanation detailing your investigation process and results.

3. Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. A few years back i lost my wallet at a party in XXXX. Back in XXXX, I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report to support my claim. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit
Product: Checking or savings account

The statement : Record shows that you already received a bonus in the last 12 months is irrelevant and inapt ( see attached references ) and can not be used to disqualify me from receiving the bonus.

I reasonably interpreted the ambiguous clause and relied on the interpretation ( see attached references ).

The reasonable interpretation of the ambiguous clause : You have received a bonus [ for opening a Wells Fargo Premier Checking account within the past 12 months ]. as 12 months from the date of the previous account opening does not include the actual date of bonus application, thus the actual date when the bonus was deposited is irrelevant and inapt. 
Any other interpretations of the clause are irrelevant and inapt ( see attached references ) and can not be used to disqualify me from receiving the bonus. 
Whether I knew about any other interpretations of the clause Is irrelevant and inapt ( see attached references ) and can not be used to disqualify me from receiving the bonus. 
The attached references are the laws, clearly supporting what I have stated here, including the US Supreme Court ruling, which is : Supreme Court decisions represent the final say regarding the interpretation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}