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

On XXXX I asked for VALIDATION of this debt. I DID NOT RECEIVE IT FROM THE CREDITOR. On XXXX I asked for a XXXX because the account is charged off. The company responded that they did not have to provide one. On XXXX I asked from errors on the account to be corrected. The creditor responded that they did not have any errors on my account that was being reported. Today is XX/XX/XXXX and i am requesting that this account be removed from my credit report immediately as proper investigation did not occur. Errors on my credit report : 1.The report states that the account was closed in XX/XX/XXXX, but the charge-off date is listed as XX/XX/XXXX. XXXX. My credit report shows charge-offs ( CO ) every single month from XX/XX/XXXX through XX/XX/XXXX, a charge off is a one time event ( so on my credit report it should've only been charged off one time ). In The letter from XXXX states that the account was charged off on XX/XX/XXXX, not multiple times over XXXX and XXXX. This conflicts with my credit report, which indicates charge-offs from XX/XX/XXXX through every month in XXXX and XXXX. XXXX. Delinquency was first reported in XX/XX/XXXX, yet the payment history shows charge-offs beginning in XX/XX/XXXX XXXX the Letter Response from XXXX XXXX XXXX  The letter states that your account was written off on XX/XX/XXXX, with a balance of {$460.00}, but my credit report shows the account was charged off in XX/XX/XXXX, months before the XX/XX/XXXX write-off stated in the letter. The inconsistency between the charge-off date on the report and the written-off date in their correspondence is significant. 5.The account also reflects negative available credit of - {$230.00}, which is incorrect. My credit limit on this account was {$200.00}, and a balance of {$430.00} was reported. However, negative available credit is not appropriate and may indicate a miscalculation. **ENCLOSED : PLEASE SEE ATTATCHED CORRESPONDANCE FROM XXXX XXXX  XXXX PLEASE SEE COMPLAINTS THAT WERE FILED, PLEASE SEE CREDIT REPORT WITH ERRORS HIGHLIGHTED**
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX DC XXXX Subject : Formal Complaint Against TransUnion for FCRA Violations Dear CFPB, I am writing to formally submit a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) concerning my credit report. Despite my efforts to resolve this issue directly with TransUnion and the creditor, XXXX XXXX, I have not received satisfactory results. 

On XX/XX/XXXX, I received a response from TransUnion stating that they can not reinsert an account ( XXXX XXXX XXXX ) into my credit report because it has not been verified by the creditor. However, I have documentation from XXXX XXXX confirming that the account was opened in XX/XX/XXXX and closed on XX/XX/XXXX, with a credit balance that was sent to me. The account is currently reflecting as " paid as agreed and closed '' on XXXX, yet TransUnion and other agencies have chosen not to report it accurately. 

TransUnion 's policy of only reporting verified information conflicts with the requirements established by the FCRA. According to 15 U.S. Code 1681e ( b ), consumer reporting agencies are obligated to follow reasonable procedures to assure maximum possible accuracy in consumer reports. Their refusal to report accurate information, especially after being informed by the original creditor, constitutes a violation of this law. 

Additionally, XXXX XXXX has indicated that they have verified the account multiple times, which raises further questions about TransUnions practices. 

I request that the CFPB investigate this matter and take action against TransUnion for their non-compliance with the FCRA. I believe their actions have adversely affected my creditworthiness and consumer rights. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Checking or savings account

I received a Credit Score Disclosure in the mail. It said it was prepared for US Bank, my mortgage company. It had a different loan number then my loan number. After speaking with US Bank they said someone stole my identity and tried opening 2 checking accounts. Those accounts were denied opening. But this person managed to open 2 savings account at US Bank, in my name, and even managed to get {$25.00} out of my personal checking account at XXXX XXXX. US Bank is sending me forms to fill out and reimburseing me the {$25.00}. My bank closed my savings account and opened up a new one for me. The date on the credit score disclosesure is XX/XX/22. But I just now figured this out today XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  and XX/XX/2020 I was late on payments on my XXXX loan due to covid and my decrease in hours. This showed a negative report on my credit report
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am formally disputing the alleged debt reported by Zion Debt Holding on or around XX/XX/year>, in the amount of {$740.00}. 

I have no contractual agreement with Zion Debt Holding, nor have I ever authorized or acknowledged the validity of this debt. Additionally, I did not provide consent for this account to be reported to any consumer reporting agency, as required under 15 U.S.C. 1681b ( a ) for permissible purposes of credit reporting. Furthermore, my prior disputes regarding this matter have gone unanswered, which may constitute a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), requiring a reasonable investigation of disputed information.

As this debt is unverified, unauthorized, and potentially erroneous, I demand its immediate removal from my credit file in accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the reporting of inaccurate information. If this matter is not promptly resolved, I will be compelled to escalate this dispute to the appropriate regulatory agencies, including but not limited to the Federal Trade Commission ( FTC ), and consider legal remedies available under the law.
Product: Credit card

Unauthorized credit card charges were made on my discover credit card. I immediately called and reported the card lost and filed a police report. 
Discover is refusing to refund the unauthorized fraudulent credit card charges.
Product: Vehicle loan or lease

i asked transunion to validate this debt because i dont know where it came from and i have not got a response from them yet.
Product: Debt collection

I recently purchased furniture from a local furniture store ( XXXX XXXX XXXX ) for a purchase price of {$2400.00} not including tax. They said I could do a lease option purchase with Acima with no interest and a fee of {$50.00} as long as I paid it off in 90 days. I decided to go this route. 

My total purchase amount should be {$2400.00} plus {$50.00} ( acima fee ) & taxes ( {$220.00} acima indicated ) for a total of {$2700.00} for the couch if paid off in 90 days or less. Acima has since sent me paper work that raised that amount to {$3200.00}. Also the initial price of the couch was wrong. 

My physical paperwork from XXXX 's says I owe {$2400.00} plus taxes to acima and that is it. It doesn't say anything about extra fees. This is false advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.DIVISION IF CHILD SUPPORT : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes particularly me in the light of the reason CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times. And reporting discrepancies. My financial institution and Zelle have failed me to investigate. My claims adequately. They informed me that recovering lost funds would be impossible and tracking these transactions was unfeasible. The CFPB. Findings have noted that they have failed. I neglected to. Protect consumers. But have also allowed offenders. To exploit the system. Leaving users to vulnerable scams.
Product: Credit reporting or other personal consumer reports

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 : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXXXXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number : XXXX- Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Credit reporting or other personal consumer reports

Greetings! 

Credit Bureaus are not doing there jobs of monitoring my report. According to the Fair Credit Reporting Act, Section 605B, it is illegal to report information on my credit report without my permission. There are multiple accounts that did not receive my permission, such as Dept of EducationXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

Beginning XX/XX/year>, I requested verification from all companies in question. Companies have not reached out, even though I sent letters certified mail. XXXX, Equifax, and XXXX have all failed to explain the methods used to verify these accounts and have not provided the correct documentation to leave report as is. I have been made to pay those in question due to negative effects happening on my credit report. I have provided copies of my license, bank statement, and bill verifying my identity. XXXX has blocked me from online access and mobile calling after stating, " I could not speak with a supervisor without verifying my middle name '', after giving my social security over the line. I no longer have access to see my full report unless I pay. Credit Bureaus, specifically XXXX and Equifax, only respond through consumer finance.gov. They still DO NOT prove verification. Only one item has been removed inaccurately and all other accounts in question were submitted along with it. If the Credit Bureaus are not able to confirm my permission or show me how debt was verified, then the information submitted needs to be removed. 

Please remove the items that were not given my permission to report to the credit bureaus from my report. 

According to the FCRA Section 605B, it is illegal to report information on my credit report without my permission. Please remove all items from my report.
Product: Credit reporting or other personal consumer reports

My student loans were forgiven in XX/XX/year> pursuant to the Public Service Loan Forgiveness program after I completed my 10 years of qualifying payments. My loan servicer was XXXX. And my balance according to XXXX and XXXX is {$0.00}. 

The balances on these loans should be XXXX on my credit report but it doesnt appear that XXXX has told the credit reporting agencies. My credit report still shows balances of : {$6300.00}, {$10000.00}, {$27000.00}, {$45000.00}, and {$43000.00}.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Formal Complaint Regarding Inaccurate Reporting of Inquiries, Addresses, Employment History, and Names on Credit Report To Whom It XXXX Concern, I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which XXXX have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting. I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring that the credit bureaus conduct a thorough investigation and promptly correct these inaccuracies. These errors are affecting my credit profile and could impact my ability to secure credit, housing, and employment.
Product: Checking or savings account

Online message sent to Chase on XXXX XX/XX/2020. Promised a response in 1-2 business days. NEVER RECEIVED A RESPONSE ... ..
Product: Checking or savings account

Hello, this is regarding a BOK Financial 401k account that I have been trying to roll into an IRA for 3 months. For context, I was able to roll a separate 401k account with a different provider into my IRA in about 30 minutes. First, BOK declined to roll my assets because they require a " wet '' signature on the document form ( which was not indicated anywhere ), rather than accept the digital signature I provided. Now, because they are unable or unwilling to implement an electronic transfer system, my rollover bank rejected the check BOK had mailed to them, and in order to cut a new check, BOK is requiring me to fill out a form and get it notarized in order to cancel the old check ( even though they have received it back ). Their process for a rollover distribution is the most dystopian, bureaucratic, embarrassment to human cognition that I have ever seen, and the only logical conclusion is that they are intentionally making it difficult for individuals to withdraw funds from them ( presumably to inflate their XXXX XXXX for their investors ).
Product: Debt collection

Yes my name is XXXX XXXX XXXX. There is a company called Fox Credit company that reported I owe them {$1200.00} from XX/XX/2018. I Have never done any business at all with this company never have been to this company.an have never talked to them in person, or by phone, an I have never got any mail from them telling me I owe them money an why .I have contacted them an disputed this letting them know they either have me mixed up with someone or someone used my identity. That it has nothing to do with me they would they remove these false aligatons off my all 3 of my credit reports. ( XXXX, XXXX, an XXXX ) but they refuse to remove it. So I have no other choice but to contact yall. If it was me they should have atleast contacted me by mail or by phone an told me why I'm being charged this .please help me resolve this matter. For it's hurting my credit score I'm working hard to make as good as possible.
Product: Money transfer, virtual currency, or money service

Mobile phone and debit card were stolen on XX/XX/XXXX. Bank account and electronic payment services information ( XXXX XXXX, CashApp, XXXX, XXXX ) were compromised. Transactions totaling {$35000.00} were processed via CashApp for the dates and amounts listed below : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Cash AppXXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Cash AppXXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Cash App*XXXX XXXX XXXX  - {$5000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Cash AppXXXX XXXXXXXX XXXX  - {$5000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Cash AppXXXX XXXX XXXX  - {$5000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Cash AppXXXX XXXX XXXX XXXX  {$5000.00} XX/XX/XXXX - XXXX XXXX XXXX  Cash AppXXXX XXXX XXXX  - {$5000.00} Disputes were filed with CashApp, in addition to my primary financial institution, XXXX XXXX XXXX XXXX. Reports were also filed with the local authorities, FBI, and FTC. Legal reports were provided to the company for reference. However, no action was taken to rectify the situation and return the stolen funds.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 XXXXXXXX XXXX 

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.
Product: Debt collection

I was checking my credit report after data breach reports received and I detect this collection account. XXXX XXXX XXXX XXXX, doesn't related to me and a hard inquiry of XXXX XXXX. These account has to be removed as FCRA required because is hurting my ability to get credit
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis Opt-Out Form Confirmation XXXX Thank you for your interest in the LexisNexis information suppression program. Your request to have information suppressed from publicly facing public records products has been received and is in process. Please note that it may take up to 30 days to suppress your information from LexisNexis products and services. 

Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet LexisNexis credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 

This suppression request does not expire, and LexisNexis will attempt to suppress all of the information available based on the information you provided in your request. Due to the variations in personal information contained in public records, or insufficient or inaccurate information provided in a request, it is possible that personal information about you may be reintroduced to LexisNexis products in the future. If you become aware that your personal information is available through LexisNexis publicly facing products in the future, please notify the LexisNexis Privacy Hotline and the issue will be investigated so that we may take appropriate action. 

Should you have any questions regarding this confirmation notice, please contact the LexisNexis Privacy Hotline at XXXX. 

Enter another suppression request ... 






filed to not have public records
Product: Mortgage

On XX/XX/18 I closed on a refinance Mortgage with XXXX XXXX NMLS : XXXX  a broker with XXXX XXXX and XXXX XXXX. I was told that I would get back {$8500.00} at closing. They took almost {$6000.00} in fees for the interest rate. I was never consulted regarding this and never informed. I found out only when I received the cash back check several days later. When I asked where the rest of the money was XXXX XXXX   from XXXX XXXX didnt provide me with an explanation, despite my effort to contact him until XX/XX/18 inhibiting my ability to rescind the loan. To add insult to injury, XXXX XXXX  sold my loan to XXXX XXXX shortly after my threats to contact you.