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

I am filing this formal complaint to report a SERIOUS violation of my rights under the Fair Credit Reporting Act ( FCRA ) by Transunion. On XX/XX/XXXX, I mailed Transunion a certified dispute letter regarding several derogatory accounts reported by XXXX ending # XXXX, XXXX XXXX, XXXX, and XXXX XXXX. In this letter, I specifically requested that Transunion provide the method of verification for this account. I also asked that if they could not provide this information, they must remove the derogatory entries as required by the FCRA. Despite my clear request, I received a letter dated XX/XX/XXXX from Transunion ( see attached ), informing me that the accounts had been verified by the company who reported the information and that the accounts would remain on my credit report. Transunion failed to provide the method of verification, as required under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). They did not disclose the procedures used to determine the accuracy of the information or identify who exactly provided this verification, which is a direct violation of the FCRA. Per the FCRA, Transunion is obligated to provide this information upon request. Specifically, Section 611 mandates that if a consumer disputes the accuracy of information and requests the method of verification, the credit reporting agency must furnish the procedure used to verify the information, including the name, address, and contact information of the furnisher. Transunion has blatantly ignored this legal requirement. Given Transunions non-compliance and refusal to provide the requested documentation, I am formally requesting that the derogatory information related to these accounts be immediately deleted from my credit report. Transunions refusal to provide the necessary information regarding the verification process means that they have failed to meet their obligations under the law. I request that the CFPB take swift action to investigate this matter, hold Transunion accountable, and ensure that these accounts are deleted from my credit report as they have not been properly verified. Please update me on the steps you will take to resolve this dispute promptly.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, XXXX, XXXX 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 a personal credit card account opened. They are XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX  Now owned by XXXX  XXXX  XXXX  on XX/XX/XXXX, XXXX and reference ID XXXX the account number XXXX ). an auto loan account opened at XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX XXXX XXXX XXXX ) and ( XXXX XXXX XXXX XXXX ) an auto loan account opened at XXXX XXXX XXXX Now owned by XXXX XXXX XXXX Under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have disputed with all three major credit bureaus those accounts and they continue coming back verifiable the consumer has Provided with certified receipt and notices to each company including all three major Credit bureaus That dose accounts are Fraudulent accounts. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I the consumer has the right to privacy Pursuant to the California Privacy Act of 1974. ( a ) The Congress finds that ( 1 ) the privacy of an individual is directly affected by the collection, maintenance, use, and dissemination of personal information by Federal agencies ; SECTION 2 ( a ) Through ( 5 ). 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: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of myXX/XX/XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, MA XXXX. 

XXXX XXXX
Product: Credit card

Ive encountered significant issues with Chase Bank Credit Card representatives. They seem to be biased toward a particular merchant, even though I didnt receive the complete service I paid for. Despite presenting evidence, documents, and witness statements that clearly demonstrate the merchants failure to fulfill their promises, Chase continues to reject my claims without providing satisfactory explanations. To make matters more perplexing, each time I call, the representatives offer varying accounts of the situation.

Ive been inundated with lengthy documents that unequivocally prove the service was not delivered as promised. However, Im at a loss regarding how to persuade them that merchants arent infallible.
Product: Checking or savings account

Chase decided to terminate our relationship. They didn't give a reason and stated legally they don't have to. I have called several times trying to get my money that's sitting in the account. Chase states that it could take up to 10 days for complete closure. Supposedly my paycheck should have been kicked back but they deposited it even though the account is restricted. I just want to receive my money. I'm single mom and have bills that can't wait. I can't wait 2 weeks for them to release my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked, XXXX, Experian and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However they have stated everything was accurate and complete, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not 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.

Also they are not compliant with Metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting

Debt Collector has placed a charge off onto my credit file and I have made several phone calls and message to this company and this company has not returned any of my phone calls.
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  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXXXXXX  account XXXX XXXXXXXX XXXX XXXX account XXXX XXXXXXXX XXXX  XXXX account XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

Im writing because this has gone on far too long. There are accounts in pending litigation on my credit report that simply shouldnt be there. Ive contacted you multiple times about the error, yet nothing has changed.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its illegal obligation under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
XXXX  XXXX bankruptcy discharged US BKPT CT XXXX XXXXXXXX Reference Number XXXX
Product: Checking or savings account

Bank of America account, Im XXXX XXXX XXXX and Im the Executive/Member of XXXX XXXX XXXX I have been dealing with all the deceptive practices of Bank of America and Im just disgusted by the level of fraud and corruption and how many Idiots actually can work at one company. The worst company by far is XXXX XXXX! But close 2nd is BofA. I got a response from the executive escalation team acknowledging everything and saying it will all be resolved in a couple days your checking account will be opened again and your XXXX dollars will be credited back and available to you. Well XXXX the specialist was a liar.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the following account from my credit report, as I have been a victim of a data breach, and this account was fraudulently opened in my name. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent information blocked and removed from my credit report. 
Fraudulent Account to Block and Delete : XXXX Account Number : XXXX Date Opened : XX/XX/year> Amount : {$2200.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I opened an account with PNC bank. After opening it, it would not let me deposit or transfer funds into the account. Since PNC clearly does not want me as a customer or they would allow me to use the account, I attempted to close it. When I tried to close the account the person just kept arguing with me and refused to help me close the account. So they will not let me use it, but will not let me close it.
Product: Checking or savings account

XX/XX/XXXX Sallie Mae Bank : 1. I requested written responses to be sent to my address on file and via the bank secure mail to unresolved issues for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
2. XX/XX/XXXX, via phone I spoke with " XXXX '' " Office of the Consumer Advocate '' for immediate payment of any check written.

3. Sallie Mae declined check # XXXX and # XXXX with available funds. 
4. Inability to add/utilize the external account transfer and limited account applications?
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau is reporting an inaccurate, incorrect and insufficient debt as of XX/XX/2020 for {$18000.00} listed on my credit file from General Revenue Services. I do not owe this debt and I have not received any type of written notification of this debt prior to this debt being placed on my credit file. I have placed a lock on my credit file to prevent these fraudulent measures in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with TransUnion dropping my score 28 points without proper explanation. I received an updated score today XX/XX/19 and my TransUnion score dropped 28points whereas my XXXX report increased 29 points and my XXXX score also increased. When I asked TransUnion to give me an explanation of the large score discrepancies, they claim it is because I opened a new account and had 1 late payment. The same information is on all 3 reports, yet TransUnion is the only company reporting a low score. Their score 82 points lower than my highest score! It is beyond frustration and unfair that these companies can get away with ruining our lives without explanation or a standard calculation system. I have the right to have a detailed explanation, including specific numbers and how each item on my report is scored. This blind reporting has got to stop.
Product: Debt collection

i recently sent a letter to the Portfolio Recovery associates llc and in That letter also clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since THEY HAVE continued to call and harras me after receiving that letter that clearly stated for them to provide relationship documents between origional creditor because i did not receive my formal notice of the debt being sold to a third party that fcra clearly states they must do and follow. they are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$250.00XXXX XXXX XXXX account years old was paid off and closed the bureau is refusing to take it off violating my consumer rights by posting it on my credit profile without my permission which has had a negative effect on my life, its making it hard for me to any kinds of credit cards etc XX/XX/XXXX {$500.00} account is years old was also paid off and closed out contacted the company was informed that I needed to contact the correct bureaus they weren't aware that it was showing ob my report I called XXXX and informed them and also let them know they were in violation of my privacy by posting on my credit profile and they are also in violation of U.S.15 01/31.2022 {$170.00} I informed XXXX that I was a victim of identity theft and asked for proof of validation and also informed them they were in violation of my consumer rights by posting on my credit without my permission and due to this they had caused me severe hardship I have a tough time with getting cars a place to stay etc because of this is on my profile they are all in violation of FDCPA 807, misleading false reporting and more my next step will be to bring litigation against XXXX if not removed all bureaus has also placed inquiries on my report without my permission or verifying also has inquiries on my reports that I do not know about as I have said I was a victim of identity theft all three bureaus are in violation of my rights and are breaking the law they need to be held accountable or go to jail for the laws they are breaking {$3700.00} XX/XX/XXXX account was paid off as soon as they took my car therefore I owe no debt and they are in violation of law 15 US code 1681a and also law FDCPA section 807 XXXX {$520.00} is in violation of my privacy that account was paid and closed off they are still showing it on my credit as late payments which has also affected me I get denied for things because they see what was posted on my profile my next step is litigation if not removed right away XX/XX/XXXX {$1400.00} I no longer owe any debt to that company when they sold my file I am not responsible for that debt and I informed experain they were in violation of my consumer rights for privacy and did not get my permission per law FDCPA 807 I asked the company to remove it all but they refused my next step is to file a suit for violating my consumer rights
Product: Money transfer, virtual currency, or money service

Today I have contacted y'all to open a fraud case, and y'all did, and my dispute number is XXXX, and I need y'all to enable my online bank account, so I can log in back into it every time I do. It says this Online access is currently unavailable. 
To access your accounts online, please try again later or re-enroll for online access : Online Banking customers, please visit wellsfargo.com and select Sign Up at the top of the page, or call XXXX Online Brokerage customers, please visit wellsfargoadvisors.com and select Sign Up, or call XXXX About Us Careers Privacy, Security every time I call, y'all agents transfer me to different departments and tell me a different story. I need y'all to enable my online bank account to log in again and credit back my payment. My account number is XXXX, and my username is XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Money transfer, virtual currency, or money service

Multiple unauthorized transactions and fraudulent activity on my account in and throughout 2024. On all transactions, I requested that it be looked into and refunds made readily available. My claims were dismissed, and no refunds were given
Product: Credit reporting

Name ( XXXX XXXX XXXX ) and address of XXXX are not correct. Seems as if someone at that address might have tried to get credit card
Product: Student loan

Contacted Navient to get a head start on the topic. My student loan is currently still in grace period and starts on the XX/XX/XXXX. I owe {$27000.00} from a loan I originally only took out XXXX. It has built so much interest since I have been in school since 2010. I have been making the requested {$25.00} dollar fee to keep the interest from going up, however my rate is currently at 12 %. I have a son and am the breadwinner for my home and Navient expects me to pay {$400.00} dollars a month on the loan. I called and tried to get the loan amount down with no such luck. The only option that was offered to me was the filing for forebearance with no other available options. I am so stressed and dont know how we will survive ... trying to get as much help as possible and figure out the best options. This is not even including my fed loans either.
Product: Debt collection

Received a bill in the mail from online information services for a debt owed to XXXX XXXX XXXX. In the amount of {$280.00}. I checked the box stating that I want to dispute this because it is not my debt and mailed it back the same day, XX/XX/XXXX. When I received another bill from Online Information Services, a few weeks later, called them and found out someone had stolen my identity. I didnt realize at first that it was two separate accounts to two different companies.