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

To whom it may concern, This is my second time filing a dispute with Transunion and they are still refusing to properly investigate and remove a bankruptcy that is not mine even when I sent in documentation proving that the bankruptcy is not mine. XXXX and XXXX have since deleted the bankruptcy as I provided them with the necessary documentation which I also sent in to Transunion but they refuse to remove the bankruptcy. They continue to send out investigation results fromXX/XX/XXXX and have not made any attempt to actually review the documents that were sent in. This is against the law as only accurate information can be reported on my credit report.
Product: Vehicle loan or lease

Purchased used XXXX with XXXX cash downpayment. Cosigner, provided fraudulent documents without my knowledge, filed fraud with Veros Credit, vehicle was a lemon, in accident, had GAP coverage. Vehicle never returned, XXXX XXXX XXXX and XXXX XXXX refuse to give deposit back, they resold car after my insurance covered repairs
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681i ( a ) Reinvestigation of disputed ( I ) Reinvestigation information Notice is of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than b business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency, ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) - ( 1 ) a statement that the reinvestigation is completed ; ( li ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( li ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information/contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. " XXXX XXXX XXXX # XXXX Accounts : XXXX XXXX XXXX # XXXX Accounts : XXXX XXXX XXXX # XXXX Accounts : XXXX Bankruptcy XXXX # XXXX Accounts : XXXX XXXX XXXX # XXXX Accounts : XXXX XXXX XXXX Accounts : XXXX XXXX XXXX # XXXX Accounts : XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Inquiries on Credit Report Dear Sir/Madam, I am writing to dispute an inquiry on my credit report that I believe to be unauthorized and in violation of 15 U.S. Code 1681b of the Fair Credit Reporting Act ( FCRA ). The inquiries in question appears on my credit report under the name of [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] needs to be deleted immediately .

Upon reviewing my credit report, I discovered this inquiry, which I did not authorize nor have any association with. As per the FCRA, access to my credit report is only permissible for specific purposes outlined in 15 U.S. Code 1681b, and I have not granted authorization for this particular inquiry.

I request that you promptly investigate this matter and provide me with detailed information regarding the source and purpose of the inquiry. Additionally, I demand that this unauthorized inquiry be removed from my credit report immediately, in accordance with the provisions of the FCRA.

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry, as well as any supporting documentation relevant to this dispute.

I expect your full cooperation and prompt resolution of this matter within the time frame specified by law. Please inform me in writing of the results of your investigation and any actions taken to rectify this issue.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX Account # : XXXX and Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX and Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX and XXXX, Account Name : XXXX XXXXXXXX XXXX Account # : XXXX, Account Name : XXXX XXXX XXXXk Account # : XXXX and XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting

Experian slammed me into a credit monitoring service when I requested a copy of my credit report. Their website is confusing and it was not clear that when I requested my credit report they automatically enrolled me into the Credit Monitoring Service for a charge of $ XXXX/month. This practice is deceptive and not very honest.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

My funds have been locked up in this account since XXXX. I tried to withdraw them several times and there always seems to be an issue where I can't just withdraw the funds. The site wants me to purchase crypto or give them more details for a wire transfer. I did this and despite that it would not allow me to withdraw the funds to am external account. There is also no way to get ahold of someone to get help. I sent an email on my web browser as well just to receive an automated response with the same information about wore transfer.
Product: Debt collection

On XX/XX/XXXX I sent 31 requests for validation of collection accounts to Credit Associates Inc. by USPS Certified Mail. I have the mail receipts and the USPS tracking verification that all 31 letters were received by Credit Associates Inc at their mailing address on XX/XX/XXXX. As of XX/XX/XXXX, Credit Associates Inc has not responded to any of the my written requests for account validation and for proof that they have authority or right to collect the debt for the original creditors, and also that they are legally authorized and licensed to collect debts in the state of Washington. Additionally, of the 31 accounts I requested validation for, they did not update 10 of the accounts to disputed status with the credit bureaus within 30 days as required by law.
By not responding to my letters within 30 days of receipt they are guilty of 10 separate violations of FDCPA Section 807 ( 8 ) ( they did not update 10 of the accounts to dispute status within 30 days of receiving the validation letters ), 26 separate violations of FDCPA Section 805 ( c ) ( 5 of the accounts were previously paid by me to try to avoid negative credit ) and 26 separate violations of 809 ( b ) for continuing to try to collect a debt that has not been validated after receiving a validation request.
Product: Mortgage

I closed on a cash out refinance with Quicken Loans ( now Rocket mortgage ) in XXXX of XXXX at an interest rate of 3.99 % for a 15 year mortgage. 

About three months later they contacted me repeatedly ( over 20 phone calls ) to tell me that they could refinance my mortgage at a lower rate ( in the 2.5 % range ). I agreed to go through the process as it would decrease my interest costs. Over the next 4 months I repeatedly responded to multiple requests for documentation. I responded to every request. They told me the closing was delayed due to Covid and kept extending the process. Eventually they decided that they wanted to run my credit report again ( the third time in a year ) and then suddenly ended the process in XXXX. The process lowered my credit score and prevented me from obtaining a home equity line because of their false promises of an imminent closing. 

One month later they began calling me again to say that they had a new process and could now refinance my loan. They called me over 30!! times. Eventually I decided to try again ( given they had completed the first mortgage in XXXX I assumed they were being sincere and maybe just had a Covid related hiccup ). With that said, I again fulfilled every information request they had. After two months of providing documentation to them, they contacted me to say that due to a change in underwriting requirements which they refused to explain ( XXXX XXXX from the Leadership Team called me to tell me that ) they could not complete my refinance.. 

After closing my loan they have begin calling me again to refinance my mortgage. 

Their abusive process has cost me significant time and money due to the negative effect it has had on my credit score and the associated additional interest costs I have incurred. Tey have tied me up for over 9 months with promises to close on a loan that apparently they never had any intention of completing. 

Thanks, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I paid these highlighted bills on time as agreed but Credit Reporting Agencies continued to report them under Negative Accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

The family educational rights and privacy act ( FERPA ), a federal law enacted in 1974 that protects me from the privacy of student education records for XXXX Any public or private  elementary secondary or post secondary school under 20 USC 1232g ( b ) this needs taken off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  XXXX & NCB Management Services XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C 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.at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. a debt collector may not communicate, in connection with the collection of any debt 15 U.S.C 1692 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has been receiving letters from me since XXXX of 2020 but hasn't done a proper investigation on accounts that I feel are inaccurate. I've sent several letters with no response on some. 
XXXX XXXX XXXX XXXX Bankruptcy These accounts are negatively affecting my report and I just want a proper investigation done so that these accounts are either deleted or reporting accurately on my credit report.
Product: Debt collection

In early XX/XX/XXXX I received a notice of a collection account placed on my XXXX credit report from Williams, Rush and Associates, LLC at XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX, TX XXXX. The original creditor is noted as XXXX ( educational ) for a debt from XX/XX/XXXX. This is an unknown account to me so I took steps to dispute the transaction with XXXX. A few days after the appearance on my credit report, I received a phone call at home from the collector. I explained that I was unaware of this debt and had no idea what it was. The agent said a letter had been sent back in XX/XX/XXXX, however, the address they had on file was an address I have not lived at since XX/XX/XXXX. Interestingly, upon further review, I see that Williams Rush had done a soft pull on my credit report in XX/XX/XXXX, which means they would have had access to my correct address as well as the fact that a debt from XX/XX/XXXX should have had the correct address listed with the original creditor. I asked for something be sent to me in writing at my correct address so I can dispute the debt. To date I have received nothing from Williams Rush giving me the opportunity to respond with a validation request. 

Currently, there is an extended fraud alert placed on all three of my credit reports in late XX/XX/XXXXas it was discovered that someone was using my social to try to obtain credit cards throughout XX/XX/XXXX and XX/XX/XXXX. The second call I received from Williams Rush in XX/XX/XXXX, the agent claimed that I would have to prove identity theft with them in order to not be liable for the debt and I would need to file a police report. Per discussion with my local police department, they do not do identity theft reports unless actual theft has been proven, which it has not. I am very frustrated that I can not get anything written or sent to me from this collection agency regarding a debt for me to be able to validate or dispute it. They are also responding to credit report disputes as valid without proof. 

My research shows that XXXX ( the original creditor ) is a tribal payday lender, who is not licensed to lend in the state of Texas.There are multiple complaints against this company for their illegal practices. I find it very concerning that a collection agency is reporting collection accounts on unproven payday loans on credit reports.
Product: Credit reporting or other personal consumer reports

XXXX with XXXX stating late XXXX XXXX but unknown information XXXX how is that possible when I closed in XXXX. 

XXXX XXXX XXXX not even on the report XXXX XXXX late payments XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Auto Loan Account Number : XXXX Balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Debt collection

The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX  XXXX and XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ACCOUNT RESOLUTION SERVICES does not have any documentation, they need to retract this from my credit file immediately.
Product: Credit reporting or other personal consumer reports

I reached out to this company and gave them my information ie name, telephone number, and email was told I was on a recorded line to which I also recorded the conversation with a lady named XXXX, customer service and was told they were unable to locate any record with my information. I informed her that they were reporting fraudulent charges to my credit and asked to be transferred she told me again I was on a recorded line and that they had no information for me in their system and could not help me further, however they are reporting two fraudulent accounts to my credit report and violating my rights under the FCRA. I would like these removed immediately
Product: Checking or savings account

XXXX withdrawals totaling XXXX XXXX  were made in XX/XX/XXXX from my XXXX XXXX XXXX  checking account without my authorization. I learned about it that same month XX/XX/XXXX. Additionally in XX/XX/XXXX, I received a letter from XXXX XXXX XXXX that there was a XXXX breach about a cybercriminal act and that my personal information could have been taken. I reported it to Dimes and after they investigated, they concluded that I made the withdrawal because they saw me on camera. I did not steal my own money. This tells me that they never investigated and used pure speculation to come to this conclusion. I've been a loyal customer with dimes for over XXXX XXXX. I hope dimes will do the right thing and return my funds and you could help me resolve this issue. These are the unauthorized charges : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

XXXX account # XXXX has been paid directly to company and should not be reporting as debt collection. 

According to FCRA section 605b, it is illegal to report information on my credit report without my permission, please remove this from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX in the amount of XXXX} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.