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

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against TransUnion and XXXX XXXX XXXX for Failure to Properly Investigate and Delete Unverified Accounts To Whom It May Concern, I am filing a formal complaint against TransUnion and XXXX XXXX XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) regarding the investigation and reporting of disputed debt on my credit report.

Details of the Complaint 1. Dispute with TransUnion & Failure to Verify ( FCRA Violation - 15 U.S.C. 1681i ( a ) ) I disputed multiple accounts reported by XXXX XXXX XXXX with TransUnion under my rights granted by the FCRA 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies ( CRAs ) to conduct a reasonable investigation. 
TransUnion was unable to verify the debt with XXXX XXXX XXXX but instead of removing the accounts as required, they merely marked them as closed. 
This is a direct violation of FCRA 1681i ( a ) ( 5 ) ( A ), which states that if an item can not be verified, the CRA must delete it from the credit report. 
XXXX. XXXX XXXX  XXXX  Failure to Provide Verification ( FCRA Violation - 15 U.S.C. 1681s-2 ( b ) ) LVNV Funding LLC, as a data furnisher, is obligated under FCRA 623 ( 15 U.S.C. 1681s-2 ( b ) ) to properly investigate disputes and provide verification. 
Since TransUnion was unable to verify the debt, this suggests that XXXX XXXX XXXX either failed to investigate or did not have proper documentation to support the validity of the account. 
Instead of removing the unverifiable accounts, XXXX XXXX XXXX had them closed, which misleads the credit reporting process and may still negatively impact my credit score.

Violations & Requested Resolution Violation of FCRA 1681i ( a ) ( 5 ) ( A ) : TransUnion failed to delete accounts they could not verify. 
Violation of FCRA 1681s-2 ( b ) : XXXX XXXX XXXX failed to provide proper verification of the accounts. 
Violation of FCRA 1681e ( b ) : TransUnion continues to report inaccurate information, despite being unable to verify it.

Requested Action by CFPB 1. Order TransUnion to delete all XXXX XXXX XXXX accounts from my credit report as they were not verified. 
XXXX. Investigate XXXX XXXX XXXX for improper credit reporting practices and failure to verify disputed debts. 
XXXX. Ensure compliance with the FCRA and enforce penalties for failing to adhere to federal consumer protection laws. 

I have attached screenshots of the credit report reflecting the closed accounts instead of deletions, along with copies of my dispute letters and TransUnions responses. 

I request that the CFPB take immediate action to ensure my consumer rights are upheld and that my credit report reflects only accurate and verifiable information. 

Please provide a response to this complaint as soon as possible.
Product: Credit card or prepaid card

I have 2 credit card accounts with Capitol One, and thought I had set up Auto Pay using their XXXX-based App starting with XXXX payments, but in XXXX the first payment did not go through and a late fee was applied. A XXXX XXXX phone representative said I never set up Auto Pay, but made only one time payments on the App, and blamed the problem on their App not processing properly. The phone rep did reverse the late fee, and we set up Auto Pay over the phone, but only after a lot of wasted time. Capitol One is setting their customers up of failure by providing an App that conveniently doesn't work, truly enroll their customer in Auto Pay, process payments, and apply late fees, requiring their customers to call in and explain the situation, hoping they reverse fees. The whole point of Auto Pay is ensure that payments are made to avoid late fees, but Capitol One does the opposite the first chance they get, using their Auto Pay enrollment as an opportunity to sew confusion and apply fees. Very sad in XX/XX/2018 to blame an App!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX XXXX Inquiry I did not authorize from XX/XX/19 XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX Inquiry I did not authorize from XX/XX/19
Product: Money transfer, virtual currency, or money service

Here it is again cash app keep denying me my money wen my phone was stolen I was deposited my income tax check witch I never got because b done XXXX stole my phone and had access to my account my card and my money this is why I keep pushing it issue because I already v contact IRS but because it was deposited into my account they can't give me a new deposit I didn't even get my taxes because the stupid persone who stole my phone and I called right away wen my phone was stolen and they said they would close my card and secure my account t then they never did that
Product: Money transfer, virtual currency, or money service

ctyptotopools.com is a XXXX XXXX not be fooled by this platform. You will increase your funds rapidly so it looks legit. I invested {$82000.00} and turned it into a large sum of money. When I went to cash it out, they hit me with a 5 % service fee. None of these payments will come off of the money you have earned. You have to deposit ETH to pay for it. The federal government needs to shut the site down. The site has frozen my account. Now I can not get in touch with Customer Service.
Product: Credit reporting or other personal consumer reports

Global Payments - TSYS, XXXX XXXX XXXX, XXXX, GA, XXXX, ( XXXX ) XXXX made a hard inquiry to my credit that was not authorized on XX/XX/year> on my XXXX report. I have contacted this company several times and they say they can't do anything about it and have no information on me yet they made a hard inquiry to my credit. Please assist with removing this hard inquiry ASAP as it is hurting my credit score. This is entirely fraudulent!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, XXXX XXXX  and XXXX XXXX  XXXX XX/XX/, 2021 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that you send me copies of the documents you used to verify the following inquiries listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bank Credit Cards XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXXXXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX EXPERIAN BUSINESS CRED  XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

PXXXX 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 XXXXXXXX
Product: Credit reporting

The XXXX XXXX XXXX was included in the bankruptcy which was discharged XXXX XXXX, 2015 case # XXXX. The loan should be removed immediately. This bad credit reporting has resulted in dropping my score XXXX points and is ruining my credit rating.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX
Product: Debt collection

They have no way of validating the debt. They have no documentation that confirms that the debt belongs to me, they do not have a debt contract.
Product: Vehicle loan or lease

My husband and I purchased a XXXX XXXX XXXX in a private party transaction in XX/XX/XXXX. The seller 's vehicle loan was with RBS Citizens. First of all, it took over a week for RBS to get our bank a payoff amount ( a process I understand normally takes one business day ). After finally receiving an amount, our bank, XXXX XXXX of XXXX XXXX, WI sent a check for the payoff amount of {$7300.00} to RBS Citizens on XX/XX/XXXX. The check cleared the bank on XX/XX/XXXX. As of XX/XX/XXXX, the title has still not been sent to XXXX XXXX after multiple requests from our loan officer and the previous owner. Each time one of them has made contact with RBS, which has been very difficult to do, they have been assured that the title is on its way. RBS won't speak to us since we never had a loan or account with them.
Product: Student loan

I XXXX XXXX co-sign load for my son XXXX XXXX. Set up paper work. 
Loan wat to start after he got his first job. Paper work took very long time. This is with XXXX XXXX XXXX. We XXXX sign the loan. 
They said due to it took so long. We would have to sign load 2nd time. So we did. They What the did not say is the loan was changed the load so payments would sartin 30 days. Did not know this and had to pay penalty. 
Then I find out Suntrust went into my account and set up autopay. 
I am the cosigner. They did not ask to do this. I let it go. But next payment did not come out. Now they want me to pay for late chargeagain.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my credit report. The Credit Bureau stated my account was properly investigated but how is that possible if XXXX XXXX who reports the information shows it was UNVERIFIABLE and deleted it? This is grounds for removal they also violated my rights under 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 an account without my written instructions. 

Also the Credit Bureau took more than 30 days to complete my investigation. 
I have attached a letter from XXXX XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : 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
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 COMMISSION or XXXX XXXX XXXXXXXX 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 of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; 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 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 XX/XX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I have an auto loan with USAA which has fallen behind due to my husband and I having separated which AI made USAA aware of. Well I am currently pregnant and I lost my job in XXXX and it caused my auto loan payment to fall behind. I called USAA the DAY I lost my job and spoke to someone about being unemployed and I asked them I have Debt Protection for my auto loan payments while I am unemployed, They said NO although I knew I had opted inf or it. So it fell behind. In XXXX, while reviewing my account statements, I realized that debt protection payments were indeed coming out of my account so i called them back and asked why I am paying for a service that I can not use and they advised me that I actually could so that representative I spoke with gave me wrong information. So they retro paid XXXX payment. I was then told be a debt protection agent that in order to keep my benefit going I would need to submit information confirming that I am still receiving unemployment, which I was. So I submitted that info and allowed time to review and pay. I checked my statement in XXXX to find that I was two payments behind and whn I called debt protection they advised me that USAA customer service has cancelled my debt protection. I called customer service trying to find out how and why when I still qualified for the service in the first place. I was advised it was cancelled due to delinquency, which makes no sense because it is only delinquent now because it was supposed to be paid by USAA. I have had disputes put in, talked to like 3 or 4 reps and still have had no resolve, all the while all these late marks remain on my credit that I am desperately working to rebuild, my car note is still unpaid and while I have a new job I have bills to catch up on all while expecting a new baby and I am still owed two months of Debt Protection payments which would bring my account current. USAA used to be a great institution but recently their service and business practice has been TERRIBLE from every single angle.
Product: Debt collection

Clearview Resolution Services XXXX lied to my daughter, by saying she would be required to attend financial education classes at {$50.00} per class for several weeks if she did not pay {$500.00} XXXX. This was a XXXX loan, and my daughter was now XXXX. My wife used a credit card to make payment for my daughter. They provided no information by mail or email that there was any class requirements or judgements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company ( XXXX XXXX ) Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given  name ( XXXX XXXX XXXX : House of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

After seeing my credit report I found items in there that are inaccurately reporting. The Congress grant me the rights to dispute and correct what I know are erroneous from my credit profile.
Product: Debt collection

Without my authorization, Navient student loan servicing along with their contracted collection agency XXXX XXXX XXXX attempted a cash advance in the amount over 5,000.00 from my credit card. 

One week ago, I had authorized a one time credit card purchase in that same amount. It was declined by my credit card company because Navient/XXXX  was attempting a cash advance. I would have incurred significant cash advance fees along with a much higher interest rate for cash advance transaction. I refused the cash advance and my credit card company acknowledged. 

Without my authorization, on week later Navient/XXXX submitted a cash advance in the same amount which my credit card company flagged as fraud. Now, I must have my credit card changed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX and there is no third party involved. I have sent out a letter to XXXX mailed certified dating XX/XX/XXXX. XXXX is in violation in regards to the information being furnished on my consumer report. I, the consumer, never gave XXXX XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following fraudulent inquiries from XXXX. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. XXXX. XXXX : XX/XX/XXXX. These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be remove from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I will hold XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( XXXX ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXX.