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

I am writing to file a formal complaint against Transunion for their failure to respond to a dispute letter I mailed on XX/XX/year>. The dispute letter requested an investigation into inaccurate items on my credit report. I sent the letter via USPS certified mail, tracking number XXXX. 

In addition to disputing the inaccurate items, I also challenged the incorrect personal information listed on my credit report. According to USPS tracking, the letter was delivered to Transunion on XX/XX/year>. Despite my detailed and valid request, Transunion has failed to provide any investigation results. More than 30 days have passed since the delivery of my dispute letter, yet I have not received any communication or resolution. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Transunions inaction and failure to respond to my dispute appear to be a direct violation of this requirement and deny me my consumer rights. 
I am including a copy of my dispute letter sent to Transunion and the USPS certified mail proof of delivery as evidence to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates I received responses to one of the many disputes I submitted to each of the Credit Reporting Agencies regarding accounts on my reports : XX/XX/XXXX - Transunion, XX/XX/XXXX - XXXX. On these responses the Credit Reporting Agencies stated the accounts I disputed were updated. Not only are they still reporting the incorrect accounts they are also reporting a bankruptcy I have disputed with them many times. They are staying they verified the information with XXXX XXXX which is a third party company. I have disputed this bankruptcy with XXXX XXXX and they responded to my dispute stating they, they received the information from another 3rd party, XXXX, and this information was sold to the Credit Reporting Agencies. ( See attachment titled " Response - CFPB '' ). I have received a letter from the courts in XXXX stating they Do Not report any information to the credit reporting agencies. I have submitted this letter to XXXX, Transunion and XXXX XXXX several times since XXXX. Each Credit Reporting Agency state on the credit reports, with the exception of Transunion, the bankruptcy information is being supplied by XXXX XXXX. Transunion does not say this on their report however they say to find out where the information is coming from to go to the website they have listed on the report. I have included attachments of the credit report pages with this information as well as a copy of the Transunion website that shows they are also supplied bankruptcy information from XXXX as well as another third party company.
Product: Credit card

A radio control toy was purchased using XXXX  XXXX XXXX credit card on XX/XX/XXXX for {$240.00}. On XX/XX/XXXX the battery failed on the radio control toy resulting in a crash which rendered it inoperable. 

I submitted a claim to the purchase protection benefit under claim # XXXX. The claim was denied using the following language : " This benefit does not apply to boats, aircraft, automobiles, and any other motorized vehicles and their motors, equipment or accessories, including trailers and other items that can be towed by or attached to any motorized vehicle. Please refer to your Guide to Benefits, which outlines what items or losses are not covered. '' The above statement should be reasonably assumed to cover things like automobiles, aircraft, and boats that people can ride/drive in. Large, motorized vehicles that are registered and covered by vehicular insurance, NOT motorized toys. 

A subsequent call for further details indicates they cover nothing with a motor that can propel itself, negating these benefits for anything with a motor that moves. While understanding that a company must limit its liabilty for financial exposure the overall claim being asked is {$240.00} that is NOT covered by any automobile, aircraft, or boat insurance. The above benefit is not operating in good faith towards the assumed benefit to consumers -- and using terms in a broader context to deny claims than reasonably assumed.
Product: Bank account or service

I recently opened an account with Wells Fargo bank. The account was opened inside of the branch, and the opening process was fairly easy. Upon opening the account, I was provided with a temporary debit card in order to have immediate access to available funds. The day following the opening of the account, I made several unsuccessful attempts to use the debit card. I called Wells Fargo 's customer service and informed them of the situation, and was told the issue was due to an earlier data breach, and that I was to go to the nearest branch and request another card. Per Wells Fargo CS instructions I went to the nearest branch, told a banker of the situation and was issued another card. I immediately went to the teller to make a deposit, but was not able to make any transactions due to a hold on my account. I went back to the banker 's desk to find out the reason for the hold. After hours of searching and conversations with SEVERAL departments, I was told the hold was due to alleged " misuse '' of an account from 2008 reported by XXXX XXXX ( according to Loss Prevention ), but was not given any other information. I repeatedly stated that I NEVER had a banking relationship with Wells Fargo, and requested the account information for the past account. I also contacted XXXX to request information on the supposed report, but was told XXXX had NO KNOWLEDGE of the alleged report. I returned to Wells Fargo the following day to inform them of the inconsistency of information provided by the Loss Prevention department. And after several more hours of research, I was told by a banker the account in question was in fact with Wachovia BEFORE the acquisition of the bank 's accounts via Wells Fargo, and that they had no other information ; no account number, no NOTHING! The bankers are basically echoing what Loss Prevention is saying, and NO ONE has been able ( or willing ) to give further information. The account with Wells Fargo is effectively closed, which is a NEGATIVE reflection on my banking file! This practice of PIGEONHOLING with NO real information is UNFAIR and UNREASONABLE, especially since I 've NEVER banked with Wells Fargo. Furthermore, I find the lack of record keeping and POOR CUSTOMER SERVICE APPALLING!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Violation of Fair Credit Reporting Act 15 U.S.C. 1681o ( a ) Dear Equifax XXXX XXXX, I am writing to formally notify you of a potential violation of the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681o ( a ), related to the handling of my credit report. 

I have disputed the XXXX XXXX XXXX # XXXX account XXXX times explaining my case. I've sent you all supporting documentation supporting my claim. Now you are being non-compliance under the Fair Credit Reporting Act. 

As per the FCRA, I believe I have been adversely affected by your willful noncompliance, which has resulted in denial of credit, emotional distress, XXXX XXXX. I am requesting that you investigate this matter and provide me with a resolution. 

In accordance with the provisions of the FCRA, I am seeking 1. Deletion of XXXX XXXX XXXX Account. 
2. Compensation for any damages incurred as a result of this violation.

3. Documentation of your investigation and the results. 

Please respond to this letter promptly. I look forward to your prompt attention to this matter. 

Thank you for your cooperation. 

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

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Experian and XXXX is governed by 15 USC 1681 and they violated my rights numerous of times, and the accounts listed below should be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Experian or XXXX written permission to furnish these accounts. 

XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Between XX/XX/year> and XXXX an inquiry made by SYNCB and XXXX XXXX was added to my credit report. I did not authorize or apply for credit. My credit score dropped XXXX points.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for inaccurately reporting XXXX duplicate collection accounts from XXXX XXXX XXXX on my credit report. 

Details of the Duplicate Accounts : Account XXXX Account Number : XXXX Date Opened : XXXX Reported Balance : {$17000.00} Past Due Amount : {$17000.00} Original Creditor : XXXX XXXX XXXX XXXX Account XXXX Account Number : [ Duplicate Account ] Date Opened : XXXX  Reported Balance : {$17000.00} Past Due Amount : {$17000.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Experian has reported these two accounts as separate collection entries on my credit report. Both accounts reflect identical balances, dates, and original creditors, indicating they are duplicates. This duplicate reporting is inaccurate, misleading, and a clear violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires credit reporting agencies to ensure maximum possible accuracy.

These duplicate entries falsely inflate my debt obligations and have caused unwarranted harm to my creditworthiness. Despite attempts to dispute this matter, Experian has failed to resolve the issue or provide justification for retaining both entries on my credit report.

Request for Action : I am requesting the immediate deletion of the duplicate XXXX XXXX XXXX account from my Experian credit report. 
I ask the CFPB to investigate this issue and ensure Experian complies with its obligations under the FCRA. 
I request written confirmation from Experian once the duplicate account has been removed.

Experians failure to address this issue has caused unnecessary harm and frustration. I urge the CFPB to take prompt action to ensure this error is corrected and that Experian complies with federal regulations. 

Thank you for your assistance in resolving this matter.
Product: Credit card or prepaid card

CapitalOne illegally charges me a interest fees of {$22.00} even after making a monthly full payment on time, my payment due day is on every XXXX of each month I made the full payment on XXXX XXXX and didn't use my card until on XXXX XXXX where they choose to add interest fee why not on XX/XX/XXXX.
Product: Debt collection

This person keeps calling me at work her name is XXXX. She says that I co-sign for a somebody student loan of ( {$50000.00} ). The person 's name is XXXX but I don't remember the last name. She only has my name and keeps asking for my dob which I refused. 
I don't own any student debt and I have never co-signed for anybody for anything. I keep telling her it is not me and she keeps calling me and harassing me even when I keep telling her not to call me. She keeps leaving me messages in my voice mail at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method off investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  I am writing to dispute the accuracy of the information reported to your bureau regarding the above-mentioned account. The account was opened on XX/XX/2021, but I did not use the card or incur any charges.

Despite my inactivity, the account has been sent to collections, which I believe is an error. I request that you investigate this matter and take the following actions : 1. Verify the accuracy of the information reported by XXXX. 
2. Remove the collections status and any associated negative marks from my credit report.

3. Update my credit report to reflect a " closed '' or " inactive '' status for this account.

Please investigate this matter and correct my credit report accordingly. I appreciate your prompt attention to this matter.
Product: Student loan

I am reaching out to bring to your attention a distressing and frustrating situation concerning the mishandling of my student loan discharge by MOHELA ( Missouri Higher Education Loan Authority ). I believe my experience highlights potential systemic issues that may impact numerous individuals nationwide, necessitating urgent inquiry and intervention. 

In XX/XX/XXXX, I received notification from MOHELA that my loans had been forgiven under the Public Service Loan Forgiveness ( PSLF ) program. However, I subsequently discovered that while my graduate loans were appropriately forgiven, my undergraduate loans still showed a balance. Upon contacting MOHELA, I was advised to reapply, and after doing so, a few weeks later, I was informed of a refund of over {$4900.00} for overpayment. 

To my dismay, when I inquired about the refund in XXXX, I was told it had been sent to the US Treasury and would likely be paid out by the end of the year. However, upon further investigation in XXXX, MOHELA provided conflicting information, asserting that no refund was due. They explained that the overpayment had been applied to my outstanding undergraduate loans, which were forgiven under the Income-Driven Repayment ( IDR ) plan, not PSLF. 

On XX/XX/XXXX, my account displayed a {$0.00} balance, confirming the discharge of my loans. However, a few hours later, I received an email from MOHELA stating my account was in " Administrative Forbearance. '' Upon contacting them, I was informed that my loans had been erroneously discharged and subsequently reinstated, now reflecting a balance exceeding {$46000.00}. 

I am writing to express my complete and utter disgust with the handling of my loan discharge by MOHELA. The inconsistency in information provided during my interactions with their representatives is both bewildering and distressing. It raises serious concerns not only about the accuracy of the information disseminated by MOHELA but also about the legality of reinstating loans that were purportedly discharged.

I implore you to investigate this matter urgently, as I believe there may be numerous individuals facing similar situations. The emotional and financial toll on borrowers subjected to such erratic and unexplained actions by loan servicers is immeasurable. It is crucial that steps be taken to rectify this issue promptly and prevent further harm to borrowers who rely on the integrity of student loan forgiveness programs. 

I appreciate your attention to this matter and trust that your office will take the necessary steps to ensure a thorough examination of MOHELA 's practices and accountability. If there is any additional information or documentation needed to aid in your investigation, please do not hesitate to contact me.
Product: Debt collection

I just received a letter from XXXX XXXX to collect in a target account {$1400.00}. I have disputed this account with target 3 times and they never resolved the fraud issue!!!! 

My card was stolen and used around XXXX time XXXX XXXX The balance is not mine is a result of fraud!!! 

I filed XXXX fraud claims with Target! They never supported or provided the results of their investigation, rather sent me bills!!!! They then sold the account to a collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, SYNCB add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent inquiries I have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

they dont have time to talk and they sugest me to talk to XXXX credit company and i called XXXX they told me to contact ftc to resolve my problem
Product: Mortgage

I have NEVER signed any wet ink contract with this alleged 3rd party. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Has 4 Alleged Assignments of Notes filed in County Records. The first assignment of note XX/XX/XXXX was filed by XXXX  XXXX XXXX employees as XXXX  for XXXX XXXX for {$1.00} XXXX  dollar in a secondary mortgage market by XXXX  mortgage " brokers '' in Virginia, and not recorded until 8 months later in XXXX with an additional unrecorded note stuck in my file with the wrong index # at county records. Plus, 3 additional later assignments of note by XXXX XXXX XXXX employees that I was never notified of by the original XXXX XXXX from XXXX that has not satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the document below advising information on my report was incorrect and it should be deleted. According to the FCRA if the information is incorrect it should be removed off the consumer report. Instead the account was updated to what I pout in the letter. How did you verify the information to updated it. What if I was not telling the truth. They never send me a method of verification and I have asked plenty of times for the XXXX XXXX  account that is on my report. Everything they have been doing to my report is illegal and in violation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Final Request for Removal of Inaccurate Late Payments XXXX XXXX XXXX Account Dear CFPB, I am filing this complaint regarding the failure to correct inaccurate information on my credit report for the XXXX XXXX XXXX account ( # XXXX ). Despite submitting prior disputes on XX/XX/XXXX and XX/XX/XXXX, the incorrect reporting of late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has not been addressed. 
The inaccurate late payment reporting contradicts the following laws : Fair Credit Reporting Act ( FCRA ) Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information reported in consumer files. In this case, no updates or corrections have been made to rectify the discrepancies, which continue to harm my creditworthiness.

Truth in Lending Act ( TILA ) Violations According to 15 U.S. Code 1666b, creditors are mandated to provide periodic statements at least 21 days prior to the due date. The continued reporting of these late payments raises questions regarding compliance with this statute and has caused unjust damage. 
Discrepancies and Errors Noted Across the Credit Bureaus Account Information Account Number : XXXX High Balance : {$24000.00} Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Term Length : XXXX Months Account Type : Auto Loan Discrepancies Across Credit Bureaus XXXX XXXX Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite the account being current. 
The account was last verified on XX/XX/XXXX with no updates or corrections since the previous disputes. 
Experian : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which do not align with the payment history listed. 
The account was last reported on XX/XX/XXXX but remains inaccurately reported as having late payments. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, even though the payment status shows " Current. '' The account was last reported on XX/XX/XXXX, with no correction made despite previous disputes. 
Desired Resolution I am formally requesting the immediate removal of the inaccurate late payment notations from my credit report across all three credit bureaus. Additionally, I request : Written confirmation of these corrections.

An updated copy of my credit report reflecting the accurate status of this account. 
If this issue is not resolved promptly, I will escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for damages caused by these inaccuracies. 
Thank you for addressing this matter promptly. I look forward to your written confirmation of the correction. 
Sincerely, XXXX XXXX XXXX