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

I sent in a complaint in regard to the debt collector XXXX reporting debt on my profiles that shouldn't have been reported. XXXX and Experian have removed this debt due to not being able to validate the debt however, XXXX has kept the debt on my credit profile. 

Please read below the response from XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results is listed below : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you XXXX visit XXXX With my XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 

Also, Experian has deleted XXXX from my credit profile, please find attached a copy of the report that shows experian has removed these items.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

RE:
Balance Amount XXXX  Is Collection XXXX Open Date XXXX
Payment Status XXXX XXXX XXXX (90 DAYS DELINQUENT)
Status Date XXXX  Name BANK OF AMERICA
Phone XXXX XXXX Business Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX State TX Zip XXXX  
ALL CREDIT-RELATED PARTIES SHOULD BE AWARE THAT THIS CHARGE IS A DISPUTED MEMBERSHIP ANNUAL RENEWAL CHARGE I REFUSED TO PAY BECAUSE I HAD CLOSED THIS CREDIT CARD WITH BOA AS SOON AS I RECEIVED NOTICE OF THIS CHARGE.  I REFUSED TO PAY FOR A CREDIT CARD ANNUAL RENEWAL FEE AFTER I HAVE CANCELLED THE CARD WITH NO OUTSTANDING CHARGES FOR SERVICES OR GOODS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
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 FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I asked the company to take it off because it is expired but it's still on my credit report the
Product: Checking or savings account

I transferred {$300.00} from my XXXX XXXX XXXXXXXX checking account directly to my Credit Karma savings account and Credit Karma held the money according to them from the XXXX to the fourth with funds being available on the fifth. It was a direct transfer and on the website when you login it shows the money is in my account but it doesnt allow me to transfer it or take it out or use it at all. I used the chat system that they have for support twice both times I requested to be transferred to supervisor both times I was told the supervisor were contacting. Neither time did anybody And I was also told that there was absolutely nothing that they could do about it and if I wanted to close my Credit Karma account and I would have to wait upwards of 10 days to two weeks in order to receive my funds back I said that was unacceptable. This is a bank transfer. I did not. Deposit check This is a fund transfer. I said I wanted it released. I wanted to speak to a supervisor that this was unacceptable to hold funds. They were already posted to my account and available and they were rude and I feel like theyre holding money earning interest off of other peoples money, whenever the money is already there, and not allowing people access to their money or allowing anybody to talk to anybody Chick thats not a customer service person that isnt rude and basically says theres nothing they can do about it thats not their policy they dont care well I never signed anything that said that I agreed with that or that that was OK and no worries it posted anywhere to my knowledge that Ive seen that it says they hold money for seven days and I feel like theyre being fraudulent by taking deposits, holding it in an account somewhere collecting interest off of other peoples money to make money while XXXX, American citizens arent able to get access to their homes when the funds are there, they dont let people get access to their funds. They hold them hostage its not right its completely wrong.
Product: Vehicle loan or lease

Around XXXX or XXXX, I had a car loan with Wells Fargo. I did pay the loan, but I think they charged me more than I owed. I let it slide at the time, because they were not pleasant to deal with and I just wanted to be rid of them.
Product: Credit card or prepaid card

I applied for menards capital one card in store XX/XX/21. XXXX XXXX XXXX XXXX, XXXX IL XXXX. I purchased {$4800.00} in appliances. I was told that i would receive the card in the mail. I never received the card. the menards customer service agent incorrectly input my address. i never received the card and the statements. i have always paid by bills on time and never had any lates. i was notified a few months later that i was delinquent on my account and I paid my balance in full. I disputed directly with capital one and they said they will not removed lates. I was also charged {$370.00} in lates and fees. I am trying to buy a home. I have never had any lates before and now my credit is badly damaged. I believe this is not a fair representation of my credit profile. I believe that capital one should remove the lates and should consider my payment in full as evidence of my good will.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is not mine which is a violation of 15 USC 1692B ( 2 ).
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX 5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX 8. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I am requesting a thorough investigation into these items and their removal from my credit report. I understand that you are obligated to verify these items with the creditor responsible for reporting them. If the creditor can not provide verification, I kindly ask that you delete the disputed information. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. I would like to highlight that, as stated in the act, there should be no charge for this updated report. Additionally, I request that you notify anyone who has obtained my credit report in the past six months of any corrections made. 

Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill irs legal 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.im requesting immediate corrective action to remove or amend the disputed accounts, as experienced inaction violates federal law and my rights as a consumer
Product: Credit reporting

On XXXX/XXXX/2015 I mailed Experian a dispute letter of a Federal Tax Lien that they are reporting against me. With that dispute I showed them a letter from the IRS that said the lien was withdrawn. That means it does n't exist anymore. On XXXX XXXX, 2015 I received a letter from Experian saying " verified, no change ''. It 's obvious to me that no resonable investigation was made as the facts are CLEAR. This lien has been withdrawn by the IRS and needs to be removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 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, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion Consumer Solutions for significant inaccuracies, contradictions, and missing information related to the account from XXXX XXXX ( partial account number XXXX ) reported on my credit history. These issues are a clear violation of the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my creditworthiness. 

Issues Identified : 1. Completely Blank Payment History : - TransUnions report shows a completely blank payment history for this account. This indicates unverifiable and incomplete data, violating 15 U.S.C. 1681e ( b ), which mandates accurate and complete reporting. 

- Other bureaus, XXXX and XXXX, have reported detailed ( though inconsistent ) payment histories for this account, further demonstrating the unreliability of TransUnions data.

2. Confusing Comments : - The report from TransUnion states, " Account included in XXXX XXXX XXXX. '' - This contradicts the information provided by XXXX and XXXX. Furthermore, TransUnion has failed to provide supporting documentation to verify this statement. 

XXXX. Inconsistent Dates : - TransUnion reports : Last payment : XX/XX/XXXX Last activity : XX/XX/XXXX - These dates do not match those provided by XXXX and XXXX, reflecting significant discrepancies between the bureaus.

Laws Violated : 1. 15 U.S.C. 1681e ( b ) : TransUnion failed to ensure the accuracy and completeness of the reported data.

2. 15 U.S.C. 1681i ( a ) : Unverifiable information has not been removed, as required by law.

3. 15 U.S.C. 1681g : There is a lack of clear and complete disclosure regarding the details of this account, particularly related to payment history and bankruptcy information.
Product: Credit card

I have had a year long struggle with a cyber stalker/hacker. Several times I have had to change my checking account information, credit card numbers, all financial information. Chase decided to close out on of my cards although I have several times fixed my account numbers, I had put out a federal identity theft alerts, and specifically on that card no missed payments. I still have copies of the police report, all proof and information regarding the scamming and would be more than happy to provide for the company. Its unfair to punish someone who has been through such a severe scamming/ hacking incident with financially destroying them further by closing a credit account based on the assumption someone is a poor credit risk but has not missed a payment. I would like the account to be reevaluated and pay attention to the history on the account not just a rough time in someones life.
Product: Mortgage

On XX/XX/20 we refinanced our current mortgage with Rocket Mortgage. Our loan should have funded XX/XX/20 but to date, our current mortgage hasn't been paid and we've received none of the proceeds. We were told we had to sign new documents because our online documents didn't match the hard copy dates. We signed new documents XX/XX/20 with promise the loan fund XX/XX/20 which it has not. My wife and I are being held XXXX by Rocket Mortgage because of their mistake. We received no phone call at home, emails or texts alerting us to the problem until Tuesday XX/XX/20. The worst lending experience ever.
Product: Checking or savings account

I have been locked out of my account since XX/XX/year>. I have spoken with several representatives and have not been able to get any resolution from the bank. I was able to speak with a representative on Monday XX/XX/year> and she gave me access to my mobile banking, but not my debit card. I called again today XX/XX/year> and spoke with another representative to get access to my funds via my debit card. I was told after waiting 30 minutes that he was unable to assist me. I have received emails from an account specialist that state they reached out but were unable to reach me, which they never called. I have went through their fraud department to be verified so, Im not sure why I dont have access to my money at this point.
Product: Credit reporting

On XXXX XXXX, 2016, I checked my credit report and all my inquires were deleted from my credit report. I filed a complete with cfpb and the issues was resolved. All of the inquiries that were previously on my credit report has been deleted. However, the inquiries on my Equifax and XXXX are incorrect and needs to reflect the same as my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent debt validation to XXXX XXXX, they did not respond. alleged amount {$380.00}. 
On XX/XX/2018 I sent a dispute letter to the Credit Bureaus, EQUIFAX, XXXX, and XXXX, and they did not respond.
Product: Debt collection

Today on XXXX XXXX, per XXXX, my score dropped XXXX points due to a Missed Payment listed by NATIONSTAR MORTGAGE LLC. I have no contract with them or their d/b/a MR. COOPER. I have asked for validation and verification of debt. I have asked for a Request of Accounting per the FDCPA. All they can send me is a statement of account and a copy of my note and mortgage which they are nowhere to be found in my paperwork. Notice, it is a fact, affiant is aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. Per XXXX XXXX it states that my account with NATIONSTAR MORTGAGE LLC began on XX/XX/XXXX. I don't know how that is possible when it was XXXX XXXX XXXX XXXX Who then in XXXX of XXXX sold my information to XXXX XXXX XXXX who then in XXXX of XXXX sold my information to XXXX XXXX XXXX who then in XXXX of XXXX sold my information to NATIONSTAR MORTGAGE LLC. The only one I have a contract with is XXXX XXXX XXXX XXXX. They are not able to produce any wet ink contract between myself and NATIONSTAR MORTGAGE LLC. THEY ARE IN COMPLETE AND TOTAL VIOLATION OF ALL APPLICABLE CODES UNDER TITLE 15.
Product: Checking or savings account

I started getting a lot of overdraft fees and they closed me out
Product: Debt collection

The creditor XXXX XXXX XXXX and collection agency and XXXX   are attempting to collect an expired debt that is over 4 years old. Date of last deliquency is XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit transactions have been reported and furnished without my consent and its mandatory that they keep my written consent and can verify that me the original creditor and natural person can verify the information. I was also never given my right to opt out As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumes of their information sharing practices and provide for a right to opt out of certain sharing, In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( le Transunion, XXXX XXXX XXXX ) XXXX 

According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service performed for the consumer ; or Otherwise obtained by the financial institution.

Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named Transunion, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 

In case your Company admits that the organization named Transunion, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). 


UNDER 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control.

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ill ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons.

Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you to remove the below-mentioned information from my Consumer Report ; XXXX XXXX XXXX XXXX US DEPT ED DEPTEDXXXX  XXXX XXXX PHYSICIAN BILL I XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DELETE THESE ACCOUNTS AT ONCE AND ALSO PROVIDE THE WRITTEN CONSENT THAT IS MANDATORY TO HAVE ON FILE ACCORDING TO YOUR DATA SHARING POLICY.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX and XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX  Account name : WELLS FARGO Account name : XXXX XXXX XXXX Account name : XXXX has violated my rights. 

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

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. 

15 U.S.C 1666b There is no such thing as late payments 42 U.S.C 408 Asking for anyone 's social security number on any loan and or credit card company is considered double dipping and a violation of RICO. 

15 U.S.C 1602g We the people are the credit
Product: Payday loan, title loan, or personal loan

I have fell behind on this loan and Im struggling and have been trying to keep a float with them. I have tried to settle with them in past and Im about to be on FMLA UNPAID however they do not offer and type of help or financial hardship. I can not hardly pay for food for my family and this loan is outrageous and I did not understand the fees and amount I would be paying back to this company. It is double the fees are more than the amount I burrowed, I have a offer I would like to once again submit with the help of CFPB and I will file other complaints as needed.