23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Transunion, XXXX, and XXXX has not provided the information I requested To Whom It May Concern : I am writing to file a complaint against Transunion, XXXX, and XXXX. 
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX, Transunion to date.I am requesting your assistance in putting an end to this matter. 
I am requesting the removal of bankruptcies ( below ) on my XXXX credit report due to Civil Case No. XXXX, XXXX , Et Al., v. XXXX, I did not know the source of their information on those judgments and bankruptcies and due to this, XXXX has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. They have yet to provide the information I been asking. I called XXXX and a lady name XXXX they do not have the right to obtain any information without my permission. 
I also sent a letters informing them 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 do n't 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 the 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. 
They responded account verified without any proof. I trying to fix my credit situation and they are constantly giving me the run around, and are not providing the information I asking for. Can you please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to access my free Credit report, but Equifax refuses to give it to me. In some of their questions to verify they ask about accounts I don't have, so either someone is using my credit with Equifax ( due to their breach ) or Equifax has made errors. There is no way to correct them and Equifax provides no contact information whatsoever other than mail a hand-written form to a random PO box .
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, regarding in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately, they informed me that recovering lost funds was impossible, and that tracking these transactions was unfeasible the CFPBs findings indicate that Zelle have not only neglected to protect consumers, but also allowed repeat offenders to exploit the system leave users vulnerable to scams. This lack of accountability and transparency is unacceptable and XXXX. Serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I am not acquainted with them, and the company acted without obtaining my consent.
Product: Credit reporting

Equifax is reporting a 30 day late from XXXX XXXX XXXX this account was never late please remove the late asap
Product: Credit reporting, credit repair services, or other personal consumer reports

They change the remark back to PayPal close my account and they didnt. I closed the account on the day of my last payment. Check recording on the last day i paid. I was not 60 days late paying. One of paypal representatives told me i was on payment assistance and told me to give her {$20.00} for XXXX. I found out later i was never on payment assistance which put the account late. PayPal refuse to give covid 19 assistance. My credit history was good with PayPal until XXXX. They refuse to give me assistance. They fix my PayPal on my credit the change it back to the old reporting. On my my PayPal credit account its saids i closed the account and Im not 60 days past due nor collection. Please talk to the account manager at paypal not customer service s to get the right credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following 8 POSITIVE Authorized User ( XXXX ) Tradelines have been ILLEGALLY removed, deleted, or suppressed from my Equifax Credit File : ( XXXX ) ( Account # XXXX ) ( Limit {$1200.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$2000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX XXXX  ( Account # XXXX ) ( Limit {$5000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX 'S ) ( Account # XXXX ) ( Limit {$13000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX 'S ) ( Account # XXXX ) ( Limit {$1500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account XXXX ) ( LIMIT {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED These XXXX positive credit lines are currently REPORTED ON XXXX and XXXX XXXX but have been ILLEGALLY REMOVED from my Equifax Credit Report XXXX These / positive XXXX XXXX SHOULD BE REPORTING on Equifax, as the Creditors told me that they ARE STILL REPORTING THE POSITIVE INFORMATION TO EQUIFAX NOW. Equifax is apparently attempting to ILLEGALLY SUPPRESS my Positive Credit History. This type of suppression or deletion of my positive Credit History has been occurring from Equifax for more than 3 YEARS. Please REPORT THESE ITEMS ON MY EQUIFAX CREDIT REPORT. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX has violated my rights.

15 USC1681 Section 602 States I have the right to privacy.

15 USC 1681Section 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

This is a violation of the No Surprises Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX Balance : {$0.00}
Product: Bank account or service

I open HSBC account, seeing his ads of XXXX bonus. I meet all the requirement, and now HSBC did not get me bonus and said I forfeit it, there is no point with it. They also saying they would allow do global transfer with XXXX service fee with premier account, the fact is they just give an error code and froze my account without my agreement and deny me do transfer money to US. It is definitely they sell fake service or they refuse to serve me ( transfer funds, having bonus ) as they promised.
Product: Money transfer, virtual currency, or money service

I received a check with a postmark year XXXX from AMSCOT FINANCIAL LENDING SERVICE. I PAID A {$200.00} DEBT IN FULL ON XX/XX/XXXX, AMSCOT REFUSED TO ACCEPT THE ELECTRONIC PAYMENT STATING IT DOES NOT HAVE THE CAPABILITY, THE PAYMENT WAS MADE VIA XXXXXXXX XXXX XXXX & DEDUCTED FROM MY ACCOUNT. I RECEIVED A CHECK COPY OF THE PAYMENT ON MONDAY XXXX IN THE MAIL AMSCOT CALLS ON THE TELEPHONE & DEMANDS PAYMENT OF THIS ALREADY PAID DEBT. I HAVE ASKED THEM TO STOP CALLING, THEY REFUSE.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX, this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRTTEN instruction of the consumer whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized by me and I request removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft caused by the XXXX Data Breach. My personal information was compromised and found on the dark web, leading to fraudulent accounts, names, addresses, and inquiries appearing on my credit report.

Despite providing proof of identity theft through my FTC Identity Theft Report, TransUnion has failed to remove fraudulent information and has not provided the legally required Method of Verification ( MOV ) for these accounts. 

This letter serves as formal legal notice to TransUnion regarding its ongoing violations of the Fair Credit Reporting Act ( FCRA ) and my demand for immediate correction of my credit report. 

VIOLATION # 1 FAILURE TO BLOCK FRAUDULENT INFORMATION ( 15 U.S. Code 1681c-2 ) Under 15 U.S.C. 1681c-2, TransUnion must block fraudulent information within four ( 4 ) business days after receiving a valid identity theft report. 
TransUnion has failed to comply with this law by continuing to report fraudulent accounts and inquiries despite my FTC Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint in response to the recent investigation. I do not agree with your findings and I am demanding complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX XXXXXXXX Balance : {$2100.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Your record keeping is inadequate. This item is reported as past due but the account is closed with a XXXX balance. Correct it now. Provide evidence that false information hasn't been reported or remove it. 
Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the items have been updated or erased. Once this has been accomplished, please forward me an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquiries on my equifax credit report ... XXXX XX/XX/XXXX,,, ,XXXX XX/XX/XXXX ... .XXXX XXXXXX/XX/XXXX andXX/XX/XXXX ... XXXX XXXX XXXX XXXXXX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... I have been a victim of identity theft per my fraud alert and I have not received proof by equifax I authorized a hard inquiry per frca..I was also affected by the equifax breach
Product: Bank account or service

I have been trying to get a loan mod for a home equity line of credit that I got before the XX/XX/XXXX crash ... Bank of America had sent me a letter stating they can modify it through a Government Program HEMP since I can not afford my house payment to go from XXXX to XXXX a month. For OVER a YEAR now they have been playing games and have done little to nothing even after I went to the Federal Government and they told me to just go on line and file the necessary paperwork and submit it to Bank of America .... They still continue to play games even after I was told by the Federal Government that if I do n't qualify for the program NO ONE DOES! I am now at the end of my rope and the bank is raising the mortgage on XX/XX/XXXX which is after the Federal programs expire from what I 've been told ... I suppose me and my family will have no choice but to stay and fight when they come to evict us ... A sad epitaph for a former Elected Official and person who has ALWAYS PAID HIS MORTGAGE on time to a bank that was BAILED OUT with XXXX of Our Tax Dollars!
Product: Payday loan, title loan, or personal loan

I been in the Hospital for 5 Months due to having XXXX from XXXX, 2020 as of now my Bank XXXX Bank of America XXXX states I own {$1600.00}. I have wrote to this company bank to waive this amount due to unable to pay due to my illness. 
I have Not hear anything back from bank of America except calling me all Hours seven Days a week including Sunday that I own this Amount. I can Not get up from my bed to attend them due to all Medication I am taking. 
I need to solve this issue before this Loan raises to the XXXX which due to me having XXXX having very low income and unable to work to pay this Loan I have been pleading to Bank of America for being a Member for over 28 Years to waive off this Loan
Product: Student loan

Went into forbearance for the past two months And also made a payment. Navient then posted me 90 days past due on my credit report after telling me that my account was current and they couldnt do anything to fix the ninety days past due which I had in deferment! The rep I talked to was not truthful and that Navient could do nothing about the situation!
Product: Checking or savings account

I made a mobile check deposit to my account in XX/XX/year>. At the time of deposit, the notification informed me that {$220.00} would be available on XX/XX/year> and {$430.00} would be available on XX/XX/year>. As of today, XX/XX/year> {$0.00} of this deposit have been made available. 

I contacted Wells Fargo by phone on XX/XX/year> and was advised that the check was not processed by the check writers bank because of suspected fraud and that Wells Fargo would try to collect the check again on XX/XX/year>. They informed me to contact the person who wrote me the check and have them send funds another way. I contacted the check writer and they sent me the funds through XXXX. 

I contacted Wells Fargo back to make sure the check would not be processed again since the check writer issued the funds electronically to me. I was then informed that the check writer will need to place a stop payment on the check to prevent it from going through. 

Later that evening, the check writer contacted me to let me know the check that I deposited had in fact cleared their bank account. I then had to return the funds that were sent electronically and incurred a fee during this process. 

I contacted Wells Fargo once again to let them know that the check cleared the other persons account and inquired how the check could have returned as suspected fraud if it cleared the account. I was then informed that there may have been an error between banks when Wells Fargo tried to collect the money, however I will have to wait until XX/XX/year> for the funds to be credited to me account. 

Wells Fargo has arbitrarily placed a hold on my account and is refusing to release funds to me. The only information that has been provided in writing is that my funds would be available on XX/XX/year> and XX/XX/year>.
Product: Credit reporting or other personal consumer reports

It has been drawn out that 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. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XX/XX/2019 we contacted our lender regarding a loan assumption process on our existing twelve year loan the underwriter denied our request because we do not live on the property, we have never lived on the property. This was an investment for us we refinanced appx six years ago it was not required for us to live on the property at that time why is this an issue now? Our son is on the mortgage and has always lived on the property due to his recent divorce this is the reason for this assumption. We gave always paid our payments on time, why is it now a requirement after twelve years with this lender?
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Request for Deletions Under CFPB Action and FCRA Compliance Dear XXXX XXXXXXXX XXXX , I am writing to formally dispute inaccurate, unverifiable, and outdated information on my XXXX credit report. As outlined in the Fair Credit Reporting Act ( FCRA ) and further supported by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX for failing to conduct adequate investigations into consumer disputes, I demand the immediate removal of all items that fail to comply with federal law. 

The CFPB 's enforcement action highlights XXXX  's responsibility to ensure disputes are resolved through proper investigation, as mandated by 15 U.S.C. 1681i. Despite previous attempts to resolve these issues, XXXX has failed to provide sufficient verification or correction of the following accounts : XXXX XXXX XXXX Dept. of Education/NELN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specific Issues with These Accounts : Reporting beyond the allowable time frame Incorrect or inconsistent personal information Paid-off or settled accounts inaccurately reported as open or delinquent XXXX 's actionsor lack thereofnot only violate the FCRA but also contradict its legal obligations, as detailed in the CFPB lawsuit. The law explicitly requires that any disputed information that can not be verified within the statutory time frame be deleted. 

I hereby request the following : Full and transparent verification of the disputed accounts within 30 days. 
Immediate deletion of any account that can not be verified or is inaccurate. 
Written confirmation of all corrections made to my credit report. 
Failure to resolve this matter will result in the filing of formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and other regulatory bodies. Additionally, I reserve the right to pursue legal remedies for any damages caused by Experians failure to comply with federal law. 

Enclosures : Copy of my credit report with disputed items highlighted Copy of my government-issued ID Proof of address Please treat this matter urgently and provide written confirmation of the resolution within 30 days of receipt. 

Thank you for your prompt attention to this matter. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the creditor " Credit Acceptance Corporation '' violated : 15 USC 1681 section 602 Right to privacy 15 USC 1681 section 604a section 2 A credit reporting agency can not furnish an account without my knowing.

15 USC 1666 B A creditor may not treat a payment as late for any purpose.