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

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of 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, Transunion '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 the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX XXXX XXXX XXXX ) ( Open XXXX XXXX ) ( COLLECTION )
Product: Checking or savings account

On XX/XX/XXXX {$17000.00} was withdrawn from my account. I have no knowledge of where the money was sent.
Product: Student loan

Submitted payments that never posted to my account. 
Changed my monthly payment and payment plan without my permission. 

They won't accept my public student loan documents even though it has been proven that I work for a qualified employer. 

They placed my loans in forbearance without my permission after I submitted my recertification for public student loan forgiveness program.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate and unverified information on my consumer report which is hindering my ability to conduct necessary banking transactions and is causing harm to my reputation as a consumer. Reporting alleged debt of {$100.00} allegedly owed to XXXX & XXXX who I have no written contract with. Reporting alleged debt of {$3000.00} allegedly owed to XXXX XXXX XXXX  who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly owed to XXXX XXXX who I have no written contract with. Reporting alleged debt of {$2800.00} and {$1100.00} allegedly owed to XXXX XXXX XXXX XXXX. Reporting alleged debt of {$420.00} allegedly owed to XXXX XXXX XXXX  who I have no written contract with. Reporting alleged debt of {$22000.00} and alleged past due amount of {$1100.00} allegedly owed to XXXX XXXX XXXX. Violations of 15 USC 1692b ( 2 ) -stating that I owe debt. Violations of 15 USC 1692d ( 1 ) -harming me the physical consumer and my consumer reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

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

Im accordance with the fair credit act XXXX Equifax XXXX has violated my rights. The following address needs to be removed from my credit profile.XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XX/XX/2020 I received a credit alert from my XXXX Credit report. The report stated that a collection amount of XXXX dollars was owed to CMRE Collections. I called XXXX at XXXX CMRE today XX/XX/2020 and asked her about this debt from account XXXX. I asked her name she Stated it was XXXX. I gave the person my name and phone number, so she could look up the bill. XXXX stated that she could not find my name anywhere in her system or any bill that I allegedly owed. She asked me for my social security number, I told her that I feel uncomfortable giving her that. I called CMRE collection at XXXX. I informed her that I was sick from XXXX and I had no knowledge of this account. She thought that was funny and tried asking how long I had it, She was very unprofessional. I asked to for the legal department of CMRE she refused to give me any contact info. Under account information on my credit it states collection Department/ Agency/ attorney. Makes me belief that they work for a federal agency. In Conclusion I contacted CMRE to dispute this debt allegedly owed. I also told her that I was sick with XXXX and I work for the USPS and I have federal Insurance and I pay my bills. I contracted covid -19 while employed all my medical are being paid. I feel very distrusting towards CMRE rep when she asked me for my social security number and physical address.She stated her office was in California. I asked for her legal and the attorney that represents them. She refused to give me any information or any phone numbers of their legal office. She was very disrespectful in asking me personal questions about my XXXX, I her a laughter in her voice when I explain how XXXX I am.
Product: Credit reporting or other personal consumer reports

I am Trying to Get In touch with experian to speak about my credit report and their stupid Fico 8 Scoring system and I can't Get any type of credit because everyone uses Experian but they are saying im unscoreable based off their fico 8 scoring system however i can't speak to a human because i get the run around via their automated system and Im not going to pay {$30.00}. for premium services just to get a score when XXXX XXXX and XXXX credit bureaus are accurate with a few points of each other on my fico score im almost at XXXX score but experian wont update and i can't seem to reach a human to speak with to get that resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXAccount # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXAccount # XXXX, XXXXXXXX XXXX XXXXXXXX XXXXAccount # XXXX, XXXX XXXX  Account # XXXX 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 instructions15 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

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating any evidence of a thorough investigation. This practice violates the Fair Credit Report Act ( FCRA ), 15 U. S. C 1681 i, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate : XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Debt collection

South Bay Acceptance Corp. kept collecting money from my credit card after I have cancelled the policy in 2016. 
I stopped making payments, nevertheless, SBA continue to take money without my consent or permission. 
I demand the last 6 mos. of payment back. 
The purpose of the insurance policy was to take a State of GA Contractors License test. 
I have failed the test, thus, i cancelled the policy as there was no other purpose.
Product: Mortgage

I sold my apartment and contacted my mortgage bank in mid XX/XX/year>. They gave me the run around on closing procedures for XXXX weeks. I was finally able to get the contact of the bank 's payor agent through the mortgage broker I used. I contacted the lawyer and his office submitted a request for collateral package on XX/XX/year>. They told me it could take 4 to 8 weeks to receive the original stock certificate and proprietary lease. It is now XX/XX/XXXX and no one knows where we stand in the process. My buyer is threatening to walk by end of XXXX. I've contacted the bank many times and they just tell me they don't know. 

I have purchased and refinanced many homes in my life it and it never takes over 2 months for the bank to provide the underlying collateral for payoff and closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX Transunion LLC XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX Transunion LLC XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Debt collection

I am SO DONE WITH YOUR BUREAU regarding the presence of inaccurate and fraudulent accounts on my credit report. I am certain that I do not owe these debts, and the circumstances surrounding these entries are deeply troubling. Despite updating my address with the creditors when I moved, the debtors quoted my old address when I contacted them. This discrepancy raises serious concerns about the accuracy of the information provided. I never received any notifications or correspondence regarding these debts, leaving me no time to dispute them. The impact of these fraudulent accounts on my credit report is not only financial but is also taking a toll on my mental, physical, and emotional well-being. I am distressed by the violation of federal laws, and I implore you to take immediate action in deleting these entries from ALL three credit reports. 
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: Student loan

I received a letter dated XX/XX/XXXX stating I had 129 qualifying payments which would qualify me for PSLF and having my remaining balance forgiven. This letter came after I paid my loans off in early XXXX. Because the letter stated 9 payments more than the required 120, I would like a refund of my payment and to have my loans forgiven through the program.
Product: Credit reporting, credit repair services, or other personal consumer reports

This to me is crazy. So. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Equifax has been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below were opened fraudulently & without my knowledge, consent or authority. I provided it with documents which demonstrated this legal issue but they have ignored this documents. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing it from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. The accounts are as follows - XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$17000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX 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 customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition 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. '' ( Furnisher of information to credit agencies ) 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. Any and all consent to XXXX, 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. '' ( Furnisher of information to credit agencies ) 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 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. '' This account is an adverse item they are reporting again 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 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, credit repair services, or other personal consumer reports

I have previously filed a complaint with FTC # XXXX. ( Please include that detailed report in whatever communication you share with companies ) Never received a response and the condition has become worse. Revolves around XXXX XXXX XXXX XXXX ; my calls them failed to correct. Has spread to credit reporting agencies ; initially Experian, now others. 
XXXX leased vehicles to me and another individual who share similar first and surname ( XXXX ... ... .Jr. ) and nearly identical SS #. XXXX has comingled this info and has exposed the personal info of other individual on my account and credit reports. It appears as an " alias '' on credit reports. 
The other individual contacted me ( likely got my phone # ) from his XXXX account and advised that he was receiving XXXX mail address to me. I was receiving invoices by mail and my online account contained his name. 
I finally gave up and returned my lease early hoping to correct this issue. Now his lease is listed on my credit reports along with a credit card where he is an additional signatory. 
What is wrong with these financial institutions and services? Covid is no excuse for incompetence. 
Attached is a copy of my XXXX account page taken XXXX
Product: Consumer Loan

Huntington Bank has somehow lost my XXXX payment. When asked to pay late charge and XXXX payment all over again, I complied. I had checked my accounts statement from my own financial institution immediately prior to being informed of the late payment. It showed my XXXX payment. After I returned to my financial statement after making the " late payment '', I found the initial XXXX payment was gone. No trace that I had ever made the initial payment showed up at all. That is either some glitch in the universe or an agent with some XXXX type access making moves of my financial assists from within the XXXX banks systems. I would like this matter to be investigated further.