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

TransUnion was the service used to check my credit for a housing application. After completing my housing application via XXXX/transunion, a pop-up for a {$1.00} credit score report from trans union came up. I decided to take advantage of this service. However, TransUnion, without notification or receipt, automatically signed me up for a monthly membership and credit monitoring ( that was not advertised ) for a fee of {$19.00} per month. I called twice to have the fee cancelled and refunded. At first the representative said they did not offer a refund and that I had agreed to this montly billing. This however is not accurate, their terms of service did not state an automatic sign up for a monthly fee. I called back and the second representative was able to file a refund, which should show up on my credit card in 3 to 10 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following accounts that appear on my credit report, without any authorization, they are not mine, they are hurting me Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  ( Original Creditor XXXX  ) Account Number : XXXX This is not mine.
Product: Debt collection

this message is for USAA. i reported to them that the credit card on file and consumer loan on file was the result of ID theft. i filed a police report and ftc id theft/fraud report as well and will upload for them to see. no further contact by business after this. thanks.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

INQUIRIES THAT DOES NOT BELONG ON REPORT
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX  XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. The personal data reporting is inaccurate. 

XXXX, XXXX, XXXX  The following personal information is incorrect. The personal data reporting is inaccurate.
Product: Credit reporting or other personal consumer reports

I have been disputing items on my Transunion Credit Report for over 18 months to date. Since then, Transunion has consistently and purposely impedes my ability to review my credit report. Transunion continues to block my ability to see my report online in an effort to distort the dispute process. Transunion ignores 15 US Code 1681e compliance procedures. Transunion is denying my right under 15 US Code 1681 ( a ) Accuracy and fairness of Credit Reporting. 

I am requesting full access to my credit report during before and after the dispute process. I am requesting Transunion stop blocking access to my online credit report, comply with procedures within the Fair Credit Reporting Act specifically regarding disputes 15 US Code 1692g ( b ). Stop delaying and or stalling on removing unverified accounts immediately. Provide Accuracy and fairness of credit reporting 15 US Code 1681 ( a ).
Product: Credit reporting or other personal consumer reports

I am sending this complaint to convey my deep disappointment regarding the inaccuracies and omissions found in the information provided on my credit report. The data provided for the mentioned accounts is insufficient for proper validation, and I urge you to promptly take action to remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

It's perplexing to me that while other credit bureaus have successfully removed these accounts from their records due to identified errors, you have somehow verified them. I urge you to rectify this discrepancy by expunging these entries from my file, as they are either inaccurate, erroneous, incomplete, or unverifiable. 

I expect a comprehensive investigation into these matters, along with any supporting documentation utilized to validate these debts. According to my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. 

Your persistent failure to adhere to FCRA guidelines and disregard for my rights is unacceptable. I demand the prompt removal of these items from my credit report, as they fail to meet the necessary criteria for accurate reporting. Any further delay or disregard of my rights will result in legal action against your organization. 

It is imperative that you address this matter promptly. I anticipate your compliance with FCRA guidelines to ensure accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX the company I called and spoke with the XXXX and stated to him that their company ran my credit without my consent and I have plenty of inquired from their company as if I were trying to obtain credit and he stated he will not correct the issue that I need to contact the credit reporting bureaus. 

XXXX XXXX, XXXX XXXX XXXX XXXX, and on XX/XX/XXXX : I contact the companies and I let the sale managers know there are plenty of unauthorized inquiries on my credit report and the sales XXXX stated I have to call the credit reporting bureaus to have them remove the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted these XXXX companies by mail and they stated the inquiries are accurate after I stated to them they were fraudulent and unauthorized inquiries made. They replied and stated to contact credit reporting bureaus and add them to add a fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

Until my bankruptcy in XXXX ( discharged in XX/XX/XXXX ), Lakeview ( XXXX ) reported my mortgage to all 3 major Credit Bureaus. I was told by their customer service, that they would stop reporting during the bankruptcy and start reporting again, when the bankruptcy is discharged. I exempted the mortgage from the bankruptcy, even if XXXX showed absolutely no interest in reaffirming the mortgage. 
However, the bankruptcy is now discharged for over 8 month and Lakeview ( XXXX ) is still not reporting to the Credit Bureaus. I called there several times and wrote numerous emails and letters, but did not receive any answers. Their customer service is almost impossible to reach, and if I get through to them, they have absolutely no knowledge about my mortgage and are completely unable to provide any advise or help with this issue. Needless to say, with them not reporting my ( always on time ) payments, my credit score suffers a lot.
Product: Credit reporting or other personal consumer reports

Please see attached pdf files! 

Respectfully, I am writing to dispute XXXX hard inquiries on my credit report that were made by your institution in connection with XXXX XXXX XXXX on XX/XX/2023. I believe that the information related to these hard inquiries is incomplete and inaccurate, which is a violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX credit reporting standards. I kindly request that you investigate and rectify this matter promptly by removing these hard inquiries from my credit report. 

The violations of the FCRA and XXXX XXXX in this case include, but are not limited to : 1. Incomplete and Inaccurate Information : The information related to these hard inquiries is incomplete and inaccurate, directly contravening FCRA requirements for accurate reporting ( 15 U.S.C. 1681e ( b ) ) and XXXX XXXX standards. 

2. Unauthorized Access : I have not provided any form of authorization for your company to access my credit report, a violation of Section 1681b ( c ) of the FCRA, which covers transactions not initiated by the consumer and XXXX XXXX standards. 

3. Lack of Compliance with Consumer Requests : Despite my previous request in accordance with FCRA Section 1681i ( a ), there has been no response to my request for proof of authorization or the removal of my personal information from your records, as required by XXXX XXXX standards.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. 



According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Equifax and XXXX are consumer reporting agencies and I am the consumer. 



I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those consumers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is a financial institution under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " except as authorized under subsection ( b ), no consumer reporting agency may also 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. '' These accounts are adverse items, and they are reporting without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

1. On XX/XX/XXXX I sent XXXX a letter opting out of reporting. Its been over a month and they are still reporting. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805.

2. Family Educational Rights and Privacy Act ( FERPA ) of 1974. As a federally protected individual under this act, I am entitled to the privacy and confidentiality of my educational records. NELNET continued to violate me by disclosing information without my explicit written consent, in accordance with the provisions outlined in FERPA.. FERPA can be found in 20 usc 1232G and codified in 34 cfr 99. 

3. By XXXX still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of 1974, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information by federal agencies, including educational institutions like XXXX. 

4. Please refer to the letter attached for more laws and violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was experiencing issues with my hours and pay from being on leave and I made a mistake in falling behind on this credit card and made an effort to make a payment before XX/XX/XXXX by submitting a payment on Saturday, XX/XX/XXXX. 

I was expecting to receive payment from my employer on Monday, XX/XX/XXXX as my payment had been delayed due to when I started back working. When I returned to work that Monday, I discovered that I would not receive my paycheck until that Friday due to a system error. I called First Progress customer service department immediately to cancel the initial payment and submit a secondary payment from a different source. 

I was informed by the customer service representative that I couldnt do that as the payment was already pending but to not worry as the payment wouldnt be processed until that Friday, XX/XX/XXXX and therefore it would not be reported late. I took the representatives word on this. I checked my First Progress account on Friday, XX/XX/XXXX, and saw that the payment had been deducted and then returned on the XXXX, which contradicted the initial information that I had received. I contacted customer service again and spoke with another representative who confirmed that Id been given incorrect information and that I should have been told to call back the next day to resubmit the payment before it reported out to the credit bureaus on the XXXX as 30 days past due. I truly would have done so had I been initially told this important information. 

I was told that I could attempt to submit a goodwill letter to the company and they may be able to remove the payment as it is my only late payment. I did this and they agreed to remove the payment. I was informed that they had agreed to this when I called in two weeks later to check the status and that my report would be updated in 30 days. The update appeared in XX/XX/XXXX. 

I received an alert in XX/XX/XXXX that the late payment from XX/XX/XXXX had been added back to my report. This is after the company agreed to the removal. I haven't had any late payments at all on this account since this incident and I have kept the balance at {$0.00} each statement cycle. I contacted the company and they could not provide me with any information other than to fax them over what I initially sent. This is unacceptable. I decided to close the card today as this company 's business practices aren't ethical and I do not want to continue doing business with them. 

I have attached a copy of my credit report from XXXX as proof that the late payment has been removed. I also attached a copy of the letter that was initially faxed over to the company in XX/XX/XXXX.
Product: Mortgage

I have USDA government backed loan and called in to complete a Covid -19 forbearance. At the end of the Forbearance I had to make a decision from the choices that as giving. During this time as on all calls they give you the options for assistance. On XX/XX/XXXX I called in and spoke with someone to find out whether I was approved for a deferment to move the payments to the end of my loan he said yes however I would need to sign the loan dock because I havent signed it yet. Theres a deadline to sign and send it back and during this time we also spoke about the money that I was receiving from the Louisiana HAF a government fund to help homeowners pay their back mortgage. After he explained I needed to sign the deferment doc I he emailed it to me, I signed it and emailed it back while we were on the line. He then referred me to the same organizations for help once more and explained to me how they work. Never saying that if I accept the deferment I wouldnt be able to get the friends from the government. He gave me examples of how hes see it work for other customers, still not telling me that I only could have one or the other. Ive spoke to several different reps weekly congratulating me on getting the funds, still never being told I could have 1 or the other. My approval with the state was approved and they moved forward with paying off {$17000.00} to Flagstar. At this time the deferment still wasnt processed thru Flagstar and this was verified thru the USDA rep. Flagstar decides to forward the payment back to the state and proceeds to process the deferment instead. All misinformation from the reps, loss mitigation department and their managers. I need assist with getting them to listen to all of their call from XX/XX/XXXX so that they can correct this issue and request the funds back from Louisiana HAF. There refuse to acknowledge their faults, reverse the deferment, and apply the state funding. Its a company mistake I should not be reprimanded for their negligence.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has severely impacted both my XXXX XXXX  and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought out into my attention that you 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, 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 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$910.00}, XXXXXXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

FCRA law says that if your information is exposed it was a data breech and must be removed
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, I signed a consumer credit contract with BMG LOANS AT WORK. The signing of the contract means that it was endorsed. This contract is subject to the Truth IN Lending Act. This contract has false and misleading statements that violate the CFPB RULES and U.S Codes. 

BMG required that I set up preauthorized electronic funds transfers as a condition for an extension of credit. This requirement violated 15 USC 1693, compulsory use of electronic fund transfers. This requirement was false and misleading and has caused me great harm. 

On XX/XX/2023, I mailed off a billing error according to 15 USC 1666. BMG has failed to respond to the billing error as required by law but continues to attempt to collect alleged debt violating 15 USC 1666a. 

BMG threatens to send late payment to credit reporting agencies, although they have not sent the required disclosures under 15 USC 1666b, timing of payments. Section 1637b of title 15 has over 11 requirements to be disclosed in connection to a payment and I have not received one. Without such disclosures no payment should be treated as late, and to communicate such misleading information is a violation of 15 USC 1692e. 

BMG LOANS AT WORK is stating that there is a positive balance on the account. 15 USC 1666d explains how treatment of credit balances should be handled in a consumer credit transaction. BMG LOANS AT WORK is requiring that I pay the balance although the law states otherwise. Demanding I pay the positive credit balances is false and misleading practice BMG LOANS AT WORK has given false and inaccurate information and failed to provide information which creditor is required to disclose and is criminally liable under 15 U.S, C 1611 and failing to meet the requirements hold the creditor civilly liable under 15 U.S.C 1640
Product: Credit card

Credit card company locked credit card and wont allow me to speak with representative without reference code which would be mailed in 24-48 hours
Product: Checking or savings account

XXXX XXXX Had fraudulent issues nothing was done. The representative said it didn't look suspicious even though I had never been involved with that person or company. U don't know how to find those exact dates but if lines are recorded then they should be their about my complaints.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the 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 is impossible and tracking these transactions was infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving the users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX the account is accurate, without providing any evidence di a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer

Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.