23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I reviewed my TransUnion credit report and TransUnion is allowing a charged off account, with the last payment date of XX/XX/2009 to remain on my account. The date of delinquency for this utility bill is clearly past 7 years. 

In good faith I filed a written dispute with TransUnion directly, as required under the FCRA to establish a private right of action. TransUnion only verified the amount as being correct and ignored the part of my dispute as it related to the stale reporting. 

I called TransUnion and they still refuse to comply with the FCRA, even after I advised them to please run XXXX through XXXX so they could see that my threat ( promise ) of a FCRA lawsuit should be taken seriously. 

I do not expect them to do the right thing, but the FCRA allows for punitive damages for a willful violation of the Act. I believe I will be able to meet that element with a direct written dispute, a telephone dispute, and a CFPB dispute. 

I am attaching a copy of the letter to TransUnion, which they ignored the actual subject matter of the letter. 

Please let me know if you need anything else. I will also forward you a copy of the Federal Complaint that I am filing. 

Thank You!
Product: Debt collection

I learned of this collection on XX/XX/XXXX when I checked my credit. I have never had any notice of said debt. On XX/XX/XXXX and XX/XX/XXXX I contacted the company via email asking for debt verification, in writing. I then emailed again on XX/XX/XXXX as well as called and have not received any validation of the reported debt at all. I also tried the live chat on XX/XX/XXXX with no verification there either. This company has never tried to contact me, nor have they responded to any verification attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1900.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX. XXXX, XXXX # XXXX XXXX XXXX  XXXX  # XXXX, XXXX XXXX  XXXX  # XXXX and XXXX  ACCOUNT # 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 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
Product: Student loan

My name is XXXX XXXX, I attended XXXX in XXXX, ca. 
I believe I have genesis loans from XXXX colleges and would like to know if they were included in the CFPB settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

checked my reported and noticed misrespresnted accounts and inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my credit reports is not correct. This is hurting me from obtaining credit and providing for myself. These accounts need to be removed and deleted from my credit report. Under laws 15 U.S. Code 1692d- Harassment and abuse, 15 U.S. Code 1692e- False or Misleading representations, 15 U.S. Code 1692f- Unfair Practices, these accounts and misinformation should be removed promptly. I would like for you to cease and desist.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX 2024, I mailed XXXX, XXXX, and Transunion letters providing accounts that was on my credit report due to identity theft. Per the FCRA section 605B I the consumer have the right to have all accounts and information blocked off of my credit report due to identity theft within XXXX business days. The XXXX credit bureau did not remove any XXXX XXXX  off of my credit reports. I submitted a Police report as well as a FCT report all which states the accounts in question. XXXX, XXXX and Transunion has not provided any evidence in regards to there investigations. I should not be subject to this treatment and inaccurate information on my credit reports when I was a victim of identity theft. My information was also I. The XXXX data breach. Ive provided all information needed to remove inaccurate information off of my credit report. If this problem persists I will have to take legal actions.
Product: Student loan

I am writing to request my loans and the actions of Navient be investigated for requiring payments and charging interest during the student loan freeze. Navient did not freeze my loans nor did they stop charging me interest throughout the entire pandemic. I emailed Navient during the summer of 2021 and asked why I was being charged interest and required to make payments. I also requested they remove the late/penalty fees they charged me while I was under the impression that I was not required to make student loan repayments. They told me my loans were not federal loans and did not qualify for the national student loan freeze and did not grant my request for a refund for the fees. When I checked on this website, I saw there were 4 loans listed ; 2 of them show 6.8 % interest and 2 show 0 % interest. I have been being charged 6.8 % and 3.3 % interest on each of the 4 loans listed by Navient. I also paid off other loans through Navient during the pandemic that I feel like I should not have had to pay, but was forced to. I request that an investigation be conducted into the handling of all my loans by Navient.
Product: Debt collection

Portfolio Recovery, LLC claims I owe and continues to report two bogus debt accounts totaling {$4000.00} and {$590.00} purchased from XXXX XXXX. 

I have disputed this debt through various channels including XXXX  and the XXXX XXXX XXXX. Each institution has sided with the debt buyer, claiming that their reporting is accurate, despite the fact that Portfolio Recovery refuses to provide concrete evidence which corroborates their fraudulent reporting and collection efforts. 

I also wrote Portfolio Recovery, LLC a letter citing Texas Finance Code, and demanding substantive proof of the debt they allege I owe, which received no response, in violation of Texas law. 

I am hoping CFPB can resolve this matter by forcing Portfolio Recovery to immediately delete these bogus collection accounts from my credit reports.
Product: Checking or savings account

During the first week of XX/XX/2021 i notified Bank of America that I has lost my device and my card. Possible chance of it being stolen. After i received a new card i was not aware they started closing my account. It is still open and now my available funds which are rightfully mine are being held for no reason. They will not give me a date or time nor explain why said available funds are not capable of withdrawal in person
Product: Credit reporting

Although I have been told on multiple occasions that midland credit has no verification of information from XXXX, a contract was signed or any of the validating information, they refuse to remove
Product: Debt collection

The NATIONAL CREDIT SYSTEM,XXXX has a collection put on my credit since XX/XX/2017 from venetian at XXXX XXXX I did and don't owe them this money they went behind my back never contacted me or anything when I spoke to the lower she said she would speak to nes about a XXXX I spoke to nes and rhey can not pull up records I owe them nothing I wasn't even home barely the last six weeks of living there due to XXXX XXXX black model in apt a theft in my apt by staff and vandalism don't t my vehicles XXXX the wner agreed to remove this and hasn't yet
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report in compliance with the Fair Credit Reporting Act ( FCRA ) and pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, which has resulted in unauthorized accounts and inquiries appearing on my credit file. 
I respectfully request that you block and delete the following fraudulent account : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$1100.00} Additionally, please delete the following unauthorized inquiries : XXXX. XXXX - Date of XXXX : XX/XX/XXXX XXXX. XXXX  - Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX  - Date of XXXX : XX/XX/XXXX XXXX. XXXX  - Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX XXXX - Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX - Date of XXXX : XX/XX/XXXX
Product: Debt collection

I have files multiple complaints about this company and how they do not do business right. XXXX does bad business, first they sent my debt to XXXX and XXXX who entered a judgement against me never served me the court papers also seized my bank account and tried garnishing my paychecks. I filed a complaint they investigated and found out they did not serve me. The judgment entered against me was set aside on XX/XX/2018, XXXX advised of this in the previous complaint response CFPB Case # : XXXX, which means its no longer valid, they can not collect or try to collect. Now I have Central Portfolio Control-CPC calling my parents house which I do not reside, and they are calling frequently. I spoke with a gentleman XX/XX/XXXX who advised me of an Active Judgment case # XXXX and they are trying collect a deb, I told him that judgment was set aside, no longer valid and he said no he shows it active, mind you I have not received and notification of this judgment becoming active again. So I called XXXX County Civil Courts this morning XX/XX/XXXX and spoke who confirmed that this judgment case # XXXX has been set aside XX/XX/2018 and is not valid. Also as of Today this specific debt was removed from my all 3 of my credit reports.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2200.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}. Inquiries : XXXX credit, XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I contacted US Bank for a $ XXXX investment property loan with a down payment of 25 % and more was available if needed. I originally spoke with, XXXX XXXX ( Originator ) and once XXXX received taxed returns and a credit, he spoke with his supervisor and ran it through their system and approved the loan. The whole time he did not disclose the terms of the loan ( interest rate, apr, general basics of the loan ) I had to extract this information out of him piece by piece, but only after he said that he would provide this information once he received a purchase agreement, and when he did give information I had to make sure to follow up with additional questions, as he was not forthcoming and transparent with the information that was eventually extracted. When the information was finally given, the credit report was pulled, tax returns were submitted and the loan was ran through the system and approved by the system as well as the supervisor. The week ended with him saying on a Friday that he was going to get started on the closing paperwork since the system approved it. The loan was then sent over to XXXX XXXX ( Loan Processor ) she proceeded to tell me the following week that the loan was not approved. I asked " why ''. She stated the income was not there, which being self employed and the deductions that were taken was said by XXXX that they were able to calculate some of that income back in, hence the approval by the supervisor and system at 25 % down. I asked by who and she stated " us ''. I asked her " who is us, was it the underwriter? ". She replied " no, me ''. I proceeded to tell her that something did not seem right, that she is acting as the underwriter without the underwriter ever seeing it. In addition, the loan was already ran through the system and approved, both manually by a supervisor and the system itself, this should be sent to the underwriter. Meanwhile, all this has taken three weeks just to get to this point, I submitted everything to them immediately, it has been three weeks of waiting on them, not getting any/or clear answers on anything including basic disclosures.
Product: Payday loan, title loan, or personal loan

I am attempting to make my XXXX payment but the company has removed the ability to pay online from their Account website. They are hassling me about calling them to make regular payments or penalize me for mailing a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

The former address Equifax has listed on my consumer file is incorrect. Equifax will not delete incorrect former address. I have notified them in writing about this incorrect information. During the Equifax breach my file was mixed and merged with someone else consumer file and the incorrect address remains on my consumer file.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All above referenced accounts have 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.
Product: Debt collection

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX ( XXXX ) XXXX Date Reported Opened XX/XX/XXXX Date Reported Closed XX/XX/XXXX Individual Account Revolving Account CHARGE ACCOUNT Balance : {$510.00} Company named above claims I have as : Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$510.00} dollars on : XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so ; 7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.
Product: Credit card or prepaid card

I paid XXXX XXXX credit cards off..I had 2 cards one for XXXX the other XXXX ... Don't know why it's on my credit report saying close and sold.. please check your file and you will definitely see that I been paid this ... this is hurting my credit report..
Product: Payday loan, title loan, personal loan, or advance loan

I was a victim of identity theft and reported to local law enforcement and an FTC report. I had a theft occur in XX/XX/year> which resulted in my social security and personal information getting compromised and this caused me to have identity theft committed against me. The following identity thefts need to be removed from my credit immediately as I am a XXXX veteran. 

1. The following accounts with New Rez/Shellpoint that are the result of identity theft or account numbers XXXX, account number XXXX, and account number XXXX. 

XXXX. XXXX account number XXXX XXXX. XXXX XXXX XXXX account number XXXX XXXX. Account with XXXX XXXX XXXX XXXX.
Product: Bank account or service

I had an account with XXXX, they got bought out by Wells Fargo Bank. I was cold called by a company who was offering me services/home apliances insurance, they had my bank account number!!! I told them that I did NOT want anyone to take money out of my account each month, but to send me information & if I liked it I would pay for the year. I gave them my address & they never sent me their information. I noticed a few months later that some unknown company was taking money out of my account without written or verbal permission. I called Wells Fargo & they investigated saying " I gave them permission by giving them my address over the phone '' How did I know that I had this insurance? I never signed a contract, I never got anything in writting, I did not have their phone number to call them if one of my " covered " apliances needed repair. This was a SCAM. Wells Fargo owed me {$120.00} for the money they removed from my account & an apology for all of the anger & mean thoughts I have had & expressed to everyone I meet about this criminal enterprise/bank. If they want to make amends for their fraud, they could payme {$35000.00} as I could use a new car. I am an XXXX, & my car is getting old. 
Thanks for letting me tel my story
Product: Credit reporting or other personal consumer reports

" I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX