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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Complaint Regarding Failure to Reinvestigate Account XXXX XXXX XXXX. 

Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report, as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). TransUnion has failed to remove a late payment from my XXXX XXXX XXXX  account , despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX. account , which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, TransUnion was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite this statutory obligation, TransUnion has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request that TransUnion urgently investigate this matter and ensure compliance with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with TransUnion and XXXX XXXX XXXX . I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint. I became a victim of Identity Theft, I had received in XXXX, 2023 phone call and been asked to confirm my information, that call was from a very strange merchant, so that time I didn't pay attention about call, but soon later I found out that some strange mail I started to receive. So, I went to my bank and was advised to check my report. Upon checking my report I noticed a hard inquiries that I NEVER AUTHORIZED. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. You are reporting the INQUIRIES that is the result of the fraudulent activities. I must note that I did not apply for a credit account with the below listed company and creditor. Therefore, this inquiry must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record. As a consumer I should NOT be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditor can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. The inquiries were not authorized : XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 ; XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, 2023 Please remove this inaccurate information from my credit report. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, this item does not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that this listed item be DELETED!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve a

ll the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a home improvement loan with Service Finance opened in XX/XX/XXXX. The loan was for solar panels that never worked. The installing company went out of business shortly after the panels were installed. 
I ran into some financial difficulties and missed two payments. My last payment was XX/XX/XXXX. I missed payments in XX/XX/XXXX and XX/XX/XXXX. My account was reported as charged off by Service Finance in XX/XX/XXXX. XX/XX/XXXX I paid the loan off in full. 
My account was listed with the credit bureaus as charged off. When I paid the full amount I owed of {$14000.00} in XX/XX/XXXX the status was not updated to reflect it was paid in full. It does show a XXXX balance but still has charge off as the status. 
I have called Service Finance several times in an attempt to get the account status updated. Each representative I speak to tells me it is not possible to update the status. 
I am currently trying to purchase a home and the status of this account, since it is a home improvement loan is preventing me from qualifying for the mortgage. I do not expect the late payments to be erased, but the refusal of Service Finance to update this account is causing my family undue harm.
Product: Debt collection

NTL Recovery Acgency with the amount of XXXX. The date XX/XX/year>. I do not know about this nor do I no the company that it is from. I do not owe this money that is been showed here.
Product: Debt collection

This debt is not mine. I live with my parents and do not have cable in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

my address has never changed lately someone took the XXXX off the end of my address and added roa. also iI have never lived in the state of michigan at any time in my life
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting

When looking at my credit file I noticed the following companies are reporting negativity to my credit report. The companies in question are XXXX and XXXX has agreed to remove the negativity due to the account not belonging to me and has since been paid to have it removed. XXXX corp is showing a late payment on the account. the account has never been paid late and has been disputed.
Product: Debt collection

XXXX XXXX XXXX XXXX applied for a mortgage and when credit report was run it showed a debt of {$890.00} to credit collection company that we owed to XXXX XXXX XXXX called XXXX, XXXX XXXX and was told the services were at XXXX so XXXX, XXXXXXXX XXXX an address that XXXX and XXXX have never lived at. This was first time XXXX and XXXX had ever heard of this debt, have never received letters or calls regarding this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Attn : Consumer Complaint Database XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Collection Accounts and Charge-Offs Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to bring to your attention the inaccurate reporting of collection accounts and charge-offs on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate and intervene to ensure the removal of these inaccuracies from my credit report.According to my recent credit report, there are several collection accounts and charge-offs that are inaccurately reported. These erroneous entries are damaging my creditworthiness and may hinder my ability to access credit, obtain favorable interest rates, and secure housing or employment opportunities.I am aware that under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and have these errors promptly corrected or removed. The FCRA mandates that credit reporting agencies and data furnishers must conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. These are the accounts below. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have attached copies of my credit report highlighting the inaccuracies in question. I request that the CFPB investigate these discrepancies and take appropriate action to ensure these inaccuracies errors promptly corrected or removed from my credit report. These are the accounts below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I trust that the CFPB will handle this matter with the seriousness it deserves and take swift action to rectify the inaccuracies on my credit report. I appreciate your attention to this issue and look forward to a timely resolution. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX [ Attachments : Copies of credit report highlighting inaccuracies ]
Product: Credit card

On XX/XX/year> my account was credited with a {$390.00} payment reversal and a seperate {$39.00} payment reversal fee. I asked for information on the exact payment it pertained to, but they didn't know and said it was likely from a check. I didn't deposit any checks. I asked how I can get a copy of the check, and they said I'd have to get ahold of the branch. I asked what branch, and they didn't know.
Product: Checking or savings account

Capital One Bank wrongfully paid a fraudulent/forged check drawn on our household joint checking account, has refused to pay it, and prejudiced our ( spouses ' ) effort to have the funds restored or seek another remedy. Despite the obvious forgery and alteration of the check, Capital One paid it sometime in XXXX or XX/XX/XXXX. We did not notice that until summer XXXX, when the XXXX XXXX XXXX XXXX, which cashed the check, informed us of the fraud. Capital One 's voluminous and complicated Account Disclosure, under the boldface heading " Claim of Loss '', discusses what the bank and customer are to do " if you ( the customer ) claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal ''. When we made our claim to Capital One concerning the forgery and alteration, bank officials assisted us with preparing affidavits and evidence. In response to our numerous inquiries about the matter since XXXX, they assured us that the investigation was ongoing and encouraged us to wait until the outcome was reached, likely before the end of XXXX. 

In our most recent inquiry about this matter a few weeks ago, a Capital One official mentioned for the first time that our claim was untimely. The official referred to the Account disclosure document. The above-referenced discussion about a claim based on forgery, alteration, etc., does not refer to a time period. The time period is elsewhere, in section about the bank providing account statements electronically. Why not state the time period for a forgery/alteration claim where it obviously would be most informative and protective of the customer, specifically, under the discussion of claims relating to forgery and alterations? Doing so would be more than fair and forthright to customers who are subjected to reading a voluminous electronic document to be read by scrolling a computer screen. 

Capital One 's unfair practices have interfered with our seeking a remedy on a timely basis. As for the 30 day period, our personal, health-related circumstances at the time were such that our failure to discover the transaction earlier was not unreasonable, but we are not presenting them here.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7900.00} -This is not my account.
Product: Mortgage

I got behind on my mortgage, due to the loss of my job and ask for covid relief and stop payment I am behind on my payment for several months and my lender offer me forbearance, and my forbearance expire in XXXX, in the mean time my former wife 's attorney treating me to sell the house or refinance to remove her name from the loan. 

I do not know if is possible to refinance, because lack of the job and late payments, also I am XXXX years old and prospect of finding new job is not good. 

Please advise what to do? 

Thanks, XXXX XXXX
Product: Debt collection

For over ten years XXXX XXXX and XXXX XXXX of XXXX XXXX , XXXX have illegally tried to foreclose on my home. 

How it works. Select Portfolio Services , Inc ( SPS, Inc a mortgage servicers ) claims to work on behalf of XXXX XXXX. ( the alleged owner of my loan ) SPS, Inc then hires XXXX and XXXX as the foreclosing attorneys on behalf of XXXX XXXX. XXXX and XXXX then claim to work on behalf of XXXX. XXXX. in order to act as if they are running legal public notices and perfecting the steps to perform a non-judicial foreclosure. 

The only problem is that XXXX XXXX. DOES NOT OWN MY LOAN. XXXX XXXX. has written letters and have verified verbally over the phone on several occasions that XXXX XXXX. does not have an interest in the loan or home. I have even contacted XXXX XXXX. certificate holder for the alleged loan ( XXXX XXXX  ) and they also have verified that they do not house or furnish any certificates on behalf XXXX XXXX. for my home or loan. I have documents and emails to prove my stance. 

The main problems are XXXX and XXXX perform illegal foreclosure every month. XXXX and XXXX have been asked to Validate the Debt as a XXXX party debt collector. When they can not legally validate the debt or the relationship between myself and XXXX XXXX. they still attempt to foreclose. XXXX and XXXX also go as far as submitting themselves into state, federal and bankruptcies proceedings claiming to represent XXXX XXXX, in which XXXX XXXX. has no knowledge of. 

They are regularly performing fraud before the courts, act as imposters before the courts and are clouding titles knowing they do not have a right to foreclose upon. The State of Georgia should not allow these individuals to practice law or have a business entity registered in the state of Georgia. I am reaching out to you because I have filed complaints with the Georgia Bar and the FTC but no one seems to care that legally barred professionals are performing illegal foreclosure knowingly. The Supreme Court of Georgia made it clear that only a Secured Creditor can foreclose in that state of Georgia. You vs. XXXX XXXX It seems to be clear that XXXX and XXXX do not respect their oaths, state law, federal law or state supreme court rulings. They STEAL PEOPLES HOMES and just get away with it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, Dispute of Inaccurate Information XXXX XXXX Credit Report FCRA Section XXXX Dispute of Inaccurate Information I am writing to dispute certain inaccurate information that appears on my credit report under your agency, as per my rights under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( 15 U.S.C. XXXXi ). I have recently reviewed my credit report and identified discrepancies that require immediate investigation and correction. The inaccurate information is as follows : LVNV Funding LLC hired by XXXX XXXX Bank, account number ending in XXXX, in the amount of {$2100.00}. There is lack of knowledge of this account. I request that you investigate these items in accordance with the FCRA guidelines. Under Section XXXX ( a ), you are required to conduct a reasonable investigation into any disputed information, and if the information is found to be inaccurate or can not be verified, it must be corrected or removed within XXXX days. Furthermore, under FCRA Section XXXX ( 15 U.S.C. XXXXc ), any outdated or unverifiable information should be promptly removed from my credit report. If any of the information listed above can not be verified, I request that it be deleted or corrected accordingly. Please provide me with written confirmation of the results of your investigation and any corrections made to my report. 

As required under FCRA Section XXXX ( a ) ( XXXX ) ( 15 U.S.C. XXXXj ), please provide me with the results of your investigation once completed. If any inaccurate information remains on my credit report, I expect to be informed of the outcome and the sources used in your investigation. If you fail to investigate and correct the information within the time frame set forth by the FCRA, I may be entitled to pursue further legal remedies under FCRA Section XXXX and XXXX. Thank you for your prompt attention to this matter. I look forward to receiving the results of your investigation and the necessary updates to my credit report. I expect to see these accounts removed from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I uploaded an identity theft report online to Experian. On XX/XX/2023 the dispute was completed & the account remained on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX  XXXX XXXX XXXX : {$2400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$4000.00} ; XXXX XXXX XXXX XXXX XXXX : {$9000.00}
Product: Credit reporting or other personal consumer reports

Security finance in XXXX Georgia made up to 6 hard inquiries and ruined my credit. 5 of the 6 were unauthorized. The asst manager at the loan company told me that they didnt take XXXX XXXX card to pay bill. I XXXX XXXX her personally and she paid with her credit card Im assuming. Late payments reported and I feel like Ive been ruined. My credit was ruined during Covid and I have I believe XXXX because of all. I have repeatedly disputed the hard inquiries with the bureaus and Ive had no luck. Please help!
Product: Credit reporting or other personal consumer reports

I RECEIVED A COPY OF MY MOST RECENT CREDIT REPORT AND SAW ACCOUNTS REPORTING THAT I DO NOT RECOGNIZE.
Product: Debt collection

" I, XXXX XXXX, am writing to express my concern about the actions of LVNV FUNDING. It has come to my attention that the company has been illegally reporting on my account, and I am requesting that all communication regarding this matter ceases immediately. I do not give LVNV FUNDING permission to communicate with me regarding any alleged debts, as stipulated in 15 U.S.C. 1692c ( a ). The negative reporting on my credit report is defamation of character, and I have the right to seek actual damages according to 15 U.S.C. 1692k ( a ) ( 1 ). This negative reporting has caused me to be unable to secure a new car, and I believe that LVNV FUNDING is engaging in extortion by reporting on my credit for this alleged debt. I am requesting that LVNV FUNDING remove its reporting on my credit immediately, or I will fully exercise my rights as a federally protected consumer and seek legal remedies. I will be sending a letter via certified mail to confirm this request. To avoid any misunderstandings, I have included references to the relevant laws for your convenience. I hope that this matter can be resolved quickly and amicably. ''