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

I am writing to submit a formal complaint to the Consumer Financial Protection Bureau regarding the handling of my request to block information in my personal credit report due to identity theft. My interactions with TransUnion have led me to believe that my rights under the Fair Credit Reporting Act ( FCRA ) have not been adequately respected. I made a request to block specific information on my credit report due to identity theft, citing the relevant case of XXXXXXXX XXXX  XXXX as grounds to contest the accuracy and validity of the alleged debt. I have not been supplied with proof of this alleged debt, nor therefore any such debt, in face exists, However, TransUnion has declined my request based on assumptions of error or misrepresentation without appropriately investigating the matter. As per the doctrine of estoppel by silence, my failure to provide explicit proof does not imply acceptance or acknowledgment of any alleged debt. Despite my efforts to assert my rights and highlight the potential consequences of identity theft on my financial well-being, my concerns have not been addressed appropriately. Under the provisions of FCRA XXXX XXXX XXXX ) ( XXXX ), I am hereby requesting a detailed description of the procedure employed by your agency when providing all information to the creditor in connection with the aforementioned dispute. Specifically, pursuant to FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it is imperative that your agency forwarded all relevant information I provided during the dispute process to the creditor for their thorough investigation. Duty to Investigate : As evident from XXXX v. XXXX, the court emphasized that credit reporting agencies have a duty to thoroughly investigate when consumers dispute items on their credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that I have NEVER provided any consumer reporting agency with WRITTEN INSTRUCTION to report these specific accounts on my consumer report. This unauthorized inclusion violates my rights as a federally protected consumer. NO CONSENT WAS GRANTED, and the unauthorized reporting of these accounts amounts to identity theft. This duty is essential in ensuring the accuracy and integrity of credit reports and protecting consumers from the harmful consequences of identity theft.
Product: Debt collection

Transunio n Consumer Relations     XXXX   XXXX   XXXX       XXXX , PA  XXXX  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting  Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded  and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under   Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of th  e verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.     Name of Account : Account Number Provide Physical Proof of Verification :  XXXX   XXXX  Unverified Account-No Contract   XXXX   XXXX    XXXX  Unverified Account
Product: Vehicle loan or lease

Credit Acceptance has been weighing heavy on my credit report for over 6 years and I have been denied all credit, from Morgage loans, car loans and/or credit cards. I would like for them to be removed indefinitely off all 3 of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

These ITEMS are in litigation. Please delete these items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I opened a small business in 2014 with a term loan and a line of credit from Comerica Bank. We signed a term sheet that did not disclose any prepayment penalty and it was not discussed with us. The final term loan contract included a clause about a large prepayment penalty that was difficult to understand. We are now trying to refinance the loan and are being told we owe a {$6100.00} prepayment penalty on a {$150000.00} balance.
Product: Student loan

I was informed that refinancing my private student loan with Fed Loan Servicing ( Federal Student Loan ) would qualify me for the XXXX XXXX XXXX XXXX. I have been making on time payments since I XXXX XXXX XXXX XXXX XXXX  and have XXXX for a XXXX XXXX XXXX since XXXX to the present. I refinanced my loans in XX/XX/XXXX and my credit score was negatively impacted by over XXXX points. I applied for the Public Service Loan Forgiveness program in XX/XX/XXXX and sent an updated one in XXXX of XXXX. I have seen a number of people have their loans forgiven in this time period in which they applied after I did. I now received a letter from XXXXFed Loan that my loan would be transferring to a new Federal student loan servicing company, XXXX. In the letter, it states that this transition may affect my credit score. I have been waiting patiently for an updated count on my public service loan forgiveness since XXXX. It is now XXXX and my loans are being transferred to another company and my credit score will be impacted again. I am unable to make purchases and receive good interest rates because of this. The public was told that in order to qualify under this new waiver in XXXX of XXXX that we had to refinance. There was no choice. I have done everything required and I know that my loans should have already been forgiven under the new waiver. I have called numerous times to Fed Loan Servicing and to XXXX XXXX with no information be given. They continually tell me that they have no further information for me and that I just have to wait. It would be ok if it was just waiting, but now it is impacting my credit so negatively that it is unfair to me as a consumer. I have also filed a complaint with XXXX XXXX and they were reviewing the complaint. I later logged on to check the status weeks/months later and it shows that it was closed, but there was never any email or feedback to me. This is extremely upsetting and concerning that there is no rhyme or reason as to the processing of Public Service Loan Forgiveness applications. Again, I originally consolidated in XXXX and filed in XXXX right after my consolidation. The state of XXXX  can verify that they have certified my XXXX  twice already and still no movement from Fed Loan or XXXX XXXX. I am very concerned that on XX/XX/XXXX my loan again is going to be transferred and my credit score impacted significantly. This has impact on future home buying ( mortgages ), car purchases, etc. I am hoping that someone can assist me.
Product: Credit card or prepaid card

I signed up for a business AMEX XXXX card because they offered XXXX points after I spent XXXX dollars. I called them to ask a question and they volunteered that the XXXX dollars that I had already spent would not count towards the spending requirement because it was spent to pay for federal income taxes ( through a third party which charged an additional fee to me ). They said that this violated the terms of my offer. I read and re-read the terms and this does NOT violate them. Moreover when I applied I specifically asked whether paying federal income tax with the card would count towards their spending requirement and I was told that such spending would count. I want them to honor their offer. At this time I do not know whether to spend more on the card or to close the card account because they are liars. The only way that I can meet the spending requirement within the 3 months period is to charge even more money for tax payment. I do not want to to that unless such spending will count. AMEX lied to me. They should honor their offer.
Product: Checking or savings account

On Saturday, XX/XX/2022, XXXX from the fraud department of Alaska XXXX  in XXXX, Alaska, called me to tell me that someone from XXXX had all of my personal information and called Alaska USA on XX/XX/2022 and had them send him or her a new debit card. They sent it out to the address in XXXX, but they also told the XXXX Police Department after speaking with me. However, Alaska USA did tell me to file this affidavit, freeze my credit and get XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS WERE NOT AUTHORIZED BY ME. I WOULD LIKE THOSE ACCOUNTS TO BE REMOVED OFF MY REPORT FOR THEY HAVE BEEN CAUSING SERIOUS DAMAGE TO MY REPORT.
Product: Debt collection

I subscribed to XXXX in XXXX 2014, but cancelled within my first 30 days of service. I also shipped back the equipment to XXXX within the 30 days as well, and now they are saying that I owe a fee of {$98.00} in which I refuse to pay, because I do not owe that.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Information once again posing up wrong address and information. 
phone numbers not my numbers address never lived at need a full credit report due to same old thing as before wrong information and things not mines on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017, a check, Number XXXX, in the amount of XXXX was presented to XXXX XXXX XXXX in XXXX PA. This account is an XXXX dedicated account ; all disbursements must be by check. I am the custodian on this account, which belongs to a XXXX XXXX XXXX XXXX. The custodial relationship is listed on both the check and the account. 

On that day, the check was declined without good cause by " Certegy ''. 

After such decline, a Consumer File Disclosure Report was requested from Certegy.That report 's control number is XXXX The information on that report consists solely of the fact that they declined the check, and that there is no other information on file. Six pages of FCRA legal boilerplate, and NO useful information provided at all. 

Note that this account is over 8 years old, and carefully managed. There has never been an overdrawn check on this account. Typical use occurs while the XXXX XXXX XXXX or XXXX XXXX, and a declined check could spell a disaster, so having a valid check declined out of hand for NO justifiable reason is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Hurricane Irma. I have had 5 addresses in 3 states since XXXX due to Irma. I have been working on looking for transportation, a place to live and reducing my debt. As such, I have had to apply to a few financial institutions to see what my options are. 
**Hence all three credit reporting agencies are stating, 'Too many inquiries in the last 12 months '. That is unavoidable due to Hurricane Irma. Please help me remedy the issue. 
**I have no credit card debt or home loan, yet XXXX and XXXX XXXX are reporting 'Proportion of balance to high credit on bank revolving or all revolving accounts ' is high. 
**I do not owe anything on any credit card or revolving accounts yet XXXX XXXX is reporting 'Amount owed on revolving accounts is too high. ' **I have no delinquent accounts, yet all three reporting agencies are showing that I have recent delinquencies. I do n't have any revolving debt. I only have a car payment and I have not been late. 

Hurricane Irma has disrupted my life. I have always had impeccable credit and should not be punished further by credit reporting agencies by trying to recover from a natural disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON  XXXX / XXXX / XXXX   PNC B ank reported me to  XXXX  for suspected fraud activity and closed my bank account. About 8 months later due to moving, I had another bank account at another commercial bank that I decided to move to another bank so I closed the account and went to the new bank tried to open a checking account and Due to the  XXXX  report from  PNC  Bank, I was unable to open a new checking account When I found out tha t PNC  placed me in the  XXXX  I contacted them via phone and paid them {$690.00} on  XXXX / XXXX / XXXX  that I did not know that I owed them and requested relief from the   XXXX   report. That  Relief  never came.     on  XXXX / XXXX / XXXX  I wrote them asking for the report to be deleted because  PNC Bank Previously Confirmed  to  XXXX  the suspected Fraud was accurate and Verified it as accurate to my dispute with   XXXX  . on  XXXX / XXXX / XXXX  I have requested specific documentation of the alleged fraud how such fraud was committed, Documentation and proof of me doing suspected Fraud. Documentation of how such said suspected fraud was committed. I have also asked for  PNC  Bank to give me  PNC B anks    XXXX     Reporting policies of how they report customers to  XXXX  and the procedures they must follow. To Date, I have gotten Nothing From PNC Bank.     It 's now  XXXX / XXXX / XXXX  and demand relief from PNC Banks Report of me in    XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. 
The family educational rights and privacy act protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that the credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. Also, the credit bureaus responded that some of my disputed items were deleted but nothing deleted nor same items can be seen in my updated report. In the event that credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$5300.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9300.00}, XXXX XXXX XXXX Owed : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Hello I have savings and checking accounts with the US Bank. 
Im currently located in XXXX Tx for a year and 6months now and they have my address from texas on file. There are no branches here in Tx. But A teller from KS allowed around 8 transactions withdrawal from my savings and checking accounts They thiefs even deposited ficticios checks and withdrew money to XXXXhe point bt my balance is - XXXX XXXX  The amouths withdrawn from my savings account reach to XXXXXXXX XXXX in 3 days from XX/XX/XXXX to the XXXX. 
I reported the issue as soon as I realized what was happening, the agent from the Fraud department at US bank said on XX/XX/XXXX they were sending an affidavit on the mail for me to sign and start the claim process to get my money back. I haven't received that affidavit but I have received other letters and notices from them dated XX/XX/XXXX. I called today twice The first agent was rude and misleading she said their fraud department was behind and that my affidavit was not even out yet. This raised a flag ... How many fraud cases do they have? So our money is not safe in that bank? 
During my second call another agent said the affidavit had been sent on the XXXX ... and that she requested it again to be sent by mail or e mail I was never explained before that could be sent by e mail. 
I don't trust they are giving me the right info, they are not consistent in what they are saying They are misleading and withholding information I need my money back as soon as possible my son is having a XXXX on XX/XX/XXXX If they are misleading about sending the form to start the process to get my money back, how Iam going to trust they are giving it back? 
They are also misleading about the time frame up to 4 weeks, or up to 90 days to resolve this issue?
Product: Money transfer, virtual currency, or money service

I HAVE BEEN SCAMMED BY DOING WESTERN UNIONS TO 2 DIFFRENT PEOPLE ABOUT TIMESHARES. I PAID {$870.00} ON XX/XX/XXXX AND {$900.00} ON XX/XX/XXXX TO XXXX XXXX. I ALSO PAID {$1400.00} ON XX/XX/XXXX AND {$800.00} ON XX/XX/XXXX TO XXXX XXXX. THESE 2 COMPANIES DID NOTHING FOR ME AND I CAN'T CNTACT THEM. THESE PAYMENTS WERE SENT FROM XXXX 'S XXXX XXXX AND XXXX XXXX LOCAYED IN XXXX. I HAVE ALREADY REPORTED THIS TO THE WESTERN UNION RESTITUTION PROGRAM AND THEY RESPONDED. IT WAS NOTHING THEY COULD DO.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor : - 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 under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604A section 2 ).

It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX, XXXX PULLED MY EXPERIAN WITHOUT PERMISSION. I HAVE CONSIDER FRAUDULENT.
Product: Prepaid card

On or about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   began debitting my XXXX XXXX card account. A totaI of @ {$900.00} was debited from my card account. I didn't become aware of this until XXXX XXXX XXXX XXXX XXXXXX/XX/year>, when I went shopping at XXXX XXXX XXXX XXXX XXXX. Netspend is claiming that since I still had my card no one else could have accessed my account. However, it was only after going to the store that I was given a receipt with my balance on it. It was at this point I contacted Netspend to let them know someone had stolen my information. As my card was never out of my possesion I believe I was the victim of skimming. I just recently learned of this practice so I wasn't aware of it when I contacted Netspend. Although it is a 5 hour drive from my home to XXXX XXXX Netspend claims there was no error and that the debits were authorized. I obtained police reports. I requested a provisional credit, and contacted the California Department of Protection and Financial Innovation and filed a compliant without success. I also closed my Netspend account. As I stated I just recently learned of the practice of skimming which is why I am now filing this complaint. Netspend was of no help to me at all. Other than basically calling me a liar and stonewalling me at every turn. I have since learned that there are several ways Netspend could have determined if it was me or someone in possession of my card info such as the IP adress the person was located at during the time of the debits.I am a XXXX Veteran and I am on a fixed income. It took me decades of fighting with the VA to get my benefits and to have someone tell me it's no big deal is an outrage. If there is any remedy available to me I would be extremely grateful for any direction you could give me. Thank you in advance for any and all help you may be able to give with matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report by XXXX XXXX. I dont have ANY contract or transaction with this company nor have I authorized any transactions to be transferred to this company. The account information on both of these accounts does not show my COMPLETE and ACCURATE information as required by the FCRA. It does not show my social or date of birth therefore it ca n't be verified to be an account owned by me.