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 comply with my rights as outlined under the Fair Credit Reporting Act ( FCRA ) Section 605C, which provides protections to survivors of XXXX XXXX I am a survivor and XXXX XXXX XXXX XXXX and TransUnion has failed to appropriately address adverse information in my credit report that is a result of the circumstances of my XXXX experience. FCRA Section 605C specifically mandates that credit reporting agencies must block adverse items of information in a credit report when the information is a result of XXXX XXXX  or related situations. Despite my attempts to inform TransUnion of my status and the relevant legal protections, they have not taken the necessary actions to remove the harmful information from my credit report. This failure to act is a clear violation of my rights under federal law. As per the FCRA, credit reporting agencies are required to respond within four business days after receiving proper documentation from a survivor. I have submitted documentation in accordance with the requirements of Section 605C, but TransUnion has not fulfilled its legal obligation to block or remove the adverse information. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion is held accountable for violating my rights as a XXXX XXXX  The agencys refusal to act is causing undue harm to my financial wellbeing and is exacerbating the trauma I have already endured. Enclosed, please find copies of all relevant documentation, including communications with TransUnion and evidence of my status as a XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file. XXXX - XXXX BANK XXXX Date opened XX/XX/2020 Balance {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX, IA XXXX XXXX XXXX XXXX Box XXXX XXXX, PA XXXX To Whom it May Concern, I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone Errors : XXXX XXXX XXXX XXXX XXXX XXXX Name Errors : XXXX XXXX XXXX My correct social security number is XXXX. With the amount of identity theft going on, I am very fearful that some could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Synchrony Bank, the issuer of Sam 's Club credit cards, has a rewards cash back program for using their card. We receive monthly cash back for using the card on/or around the XXXX of each month, according to Synchrony, and reviewing our past transactions. 
In XX/XX/2023, Synchrony is stating that {$41.00} was rewarded to us. I review records, and see that we are supposed to receive the amount of {$41.00}, but the funds have never shown up in our account. Somewhere between issuance, and delivery of the funds the money goes missing. After several attempts with Synchrony, including talking to management to resolve the issue, I receive letters stating that rewards have been distributed. We don't know where the rewards were sent, but they are not reflected in our account for XX/XX/2023. We are requesting we receive the rewards we are due per the agreement for using the credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX I did a dispute with for account that show on my credit report XXXX XXXX account # XXXX I disputed this as not accurate not mine and it came back as updated as investigated correct. It stayed on my credit report. so I called XXXX to find out what information they had, I was send to there special accounts dept. they ask my SS #, MY ADDRESS, MY FULL NAME AND THEY HAVE NOTHING on record. So my question is where did these credit reporting agency 's get there information to say it is correct and leave this on my credit report. I would like this off my report it is negative and hurting my credit score. I hope you can help?? 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this May concern, I am contacting you regarding some discrepancies with my credit report concerning my address and telephone numbers. I would like the following addresses to be removed:XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX , MI XXXX XX/XX/XXXX I am also need the following numbers removed from my credit 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
Product: Credit reporting or other personal consumer reports

I had a identity breach in my business account with XXXX. And I'm finding more things reporting on my credit that are not my debt. For example : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Opened XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) For the amount of {$71000.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Opened XXXX. XXXX, XXXX ( XXXX XXXX XXXX XXXX  ) For the amount of {$5600.00}. 

XXXX XXXX  XXXX XXXX, GA XXXX Opened XXXX. XXXX, XXXX ( XXXX XXXX XXXX XXXX For the amount of {$4000.00} As well as hard inquiries from different companies like. 

XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX
Product: Credit card or prepaid card

A credit card was opened in my former name with charges with XXXX XXXX. The card was opened and {$1900.00} was charged. I reported this to all my credit reporting companies and notified the credit company companies.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting

I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$2000.00}.
Product: Checking or savings account

Bank of America allowing payments from my account that's not authorized and adding overdraft fees and my checking account is overdrawn in fees by {$400.00}.

I have contacted with XXXX XXXX and XXXX XXXX XXXX in XXXX, California to make payments arrangements of {$60.00} @ month until the {$230.00} and {$300.00} debt is paid for payday loans. 

My checking account ending # XXXX has a negative balance of {$400.00}. 
I am in a financial hardship and Coronavirus issues has affected everything in California and America. 
I am respectfully XXXX XXXX, XXXX  and a XXXX XXXX XXXX Military Veteran. 
Bank of America is receiving a stimulus funding, and my account should be in positive standing and not negative.
Product: Debt collection

Their has been unauthorized use of my credit report. I submitted a debt validation letter on XX/XX/21 in regards to this alleged debt with National Credit System. This alleged debt has never been validated and I demand it be removed from my credit report. This is unacceptable and in violation of the FDCPA. A furnisher may not furnish information that a consumer has identified as resulting from identity theft according to the FDCPA. No one is supposed to report to my credit report without permissible purpose. I never authorized or gave permissible purpose this company National Credit System to report on my credit report which is a violation of my consumer rights.I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Im a victim of identity theft and someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate this account. I do not validate this account. Therefore, the following account must be deleted from my report. I will seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations if these accounts are not deleted immediately off my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 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 recovering lost funds was impossible and tracking these transactions was un feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Debt collection

I have never had an account with National Credit Adjusters ( NCB ), I have disputed this debt on my credit report and have not had any results NCB is still showing on my credit report.i have not received any correspondence
Product: Credit reporting or other personal consumer reports

Navient account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the Navient account ( Account Number : XXXX ). The report lists a balance of {$2200.00}, balance updated XX/XX/XXXX, original balance of {$2600.00}, paid off 14 %, XXXX XXXX  monthly payment, account opened on XX/XX/XXXX, last payment date of XX/XX/XXXX, terms 300 months, status open, and responsibility individual. The payment history shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Product: Mortgage

Indymac did not provide a truth in lending statement showing the {>= $1,000,000} I will pay for the {$200000.00} they refinanced. 
I have however paid {$270000.00} in principal payments, all interest due and all taxes and insurance due since 2004. I guess the other {$77000.00} paid onewest bank for the money they had to pay IndyMac federal for my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many mistakes in my report. 
XXXX XXXX MERCHANT - XXXX : Unverified account XXXX CALIFORNIA XXXX XXXX : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint about an unauthorized inquiry from XXXX XXXX  and Credco dated XX/XX/XXXX. Their response is as follows : " By way of background, XXXX XXXX  ( XXXX ) acts as a residential mortgage broker. XXXX  originates mortgages and brokers those mortgages primarily to XXXX  as the Lender. XXXX was the lender for the XXXX XXXX XXXX and  XXXX XXXX XXXX loan. Contractually, XXXX also handles many of XXXX  other back office functions, including legal and compliance. Therefore, XXXX will be responding on behalf of all parties. Please be assured, XXXX  and XXXX  take all complaints seriously and appreciates the opportunity to address the consumers concerns. XXXX has previously addressed concerns received from XXXX XXXX and XXXX XXXX under CFPB Complaint ID XXXX and XXXX. As noted in XXXX  prior responses, on or about XX/XX/XXXX, XXXX XXXX and XXXX XXXX attempted to obtain a prequalification through XXXX, but it was clear that their Debt to Income ( DTI ) ratio was too high and their credit scores were too low to obtain either conventional or FHA financing. Nevertheless, XXXX attempted to assist XXXX XXXX and XXXX XXXX to prequalify for a mortgage. XXXX  initially reviewed XXXX XXXX credit profile on XX/XX/XXXX and XXXX XXXX credit profile on XX/XX/XXXX. XXXX  reviewed XXXX XXXX credit profile again on XX/XX/XXXX. The credit pull made on XX/XX/XXXX, had no negative impact on XXXX XXXX credit score as the credit pull was within the 45-day shopping period. XXXX XXXX and XXXX XXXX contacted XXXX  on XX/XX/XXXX, to advise that XXXX XXXX child support payment was reduced. At that time, a request was made for XXXX to pre-qualify them again. When the request was made, XXXX XXXX and XXXX XXXX authorized XXXX to review their credit profile, resulting in XXXX pulling a tri-merge credit report that same day. XXXX is unable to remove the credit inquires made on XX/XX/XXXX, as it considered the credit pulls valid pursuant to the authorization provided. XXXX  and XXXX  is committed to responsible lending and servicing and we apologize for any frustration or inconvenience this matter may have caused XXXX XXXX and XXXX XXXX. For additional questions or concerns, please contact XXXX  at XXXX. '' There are multiple mistakes with this response. First off, this inquiry was obtained WITHOUT my consent. Second, I never contacted XXXX XXXX XXXX and I never authorized any credit pull. Lastly, my fianc did make contact to provide an update on the child support and an update only. At no time was any verbal authorization or any authorization for that matter given to pull a credit report. This is absolutely fraud.
Product: Debt collection

I recently obtained copies of my credit reports from XXXX, XXXX, and Transunion, and upon review, I discovered inaccuracies in XXXX of the accounts listed : The account in question, labeled as " XXXX XXXX XXXX '' with Account Number : XXXX, appears to be in violation of 15 U.S.C. 1681i ( 7 ) regarding the method of verification. It was reported without valid evidence. Therefore, I request its immediate removal from my credit report.

Your company 's actions appear to be in clear violation of the law, as outlined in 15 USC 1681b, which stipulates that consumer reporting agencies may only furnish consumer reports in accordance with the written instructions of the consumer. I have not provided written instructions for the inclusion of this account on my credit report.

Additionally, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions from a consumer credit report, stating that it does not include reports containing information solely related to transactions or experiences between the consumer and the reporting entity. Since payment history constitutes a transaction between myself and the corporation extending the line of credit, it falls under this exclusion.

Therefore, I demand the deletion of the aforementioned late payments from my consumer report. Failure to respond satisfactorily with the removal of this account, along with the provision of a free copy of my report after the necessary changes, will result in legal action being taken against your company. For each violation, I will seek {$1000.00} in damages for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Violations of the Fair Debt Collections Practices Act 15 USC 1692g Willful noncompliance with the Fair Credit Reporting Act 15 USC 1681, as outlined in 616 regarding civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 card

My name is XXXX and I am a victim of identity theft. There is a fraudulent Santander account reporting on my credit report. I have called Santander to report the account as fraud. Each time I call, I am told that an investigator will call me back. No one has returned my call. The card is reporting open on my credit report. They have not even closed the card down yet because every representative that I have spoken to has been unable to locate the account. This company has been near to impossible to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4200.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

3. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 Section 602 ( A ) States i have the right to privacy 15 USC 1681 Section 604 ( A ) Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( c ) ( 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 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX