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

On XX/XX/2023 I sent letters certified to Transunion regarding my account and I asked them to do investigate the accuracy of this account and I also asked for evidence that supports the findings of the investigations. I attached all information supporting my claims below. 

I do know that the FCRA has laws in place for exact instances such as there and on their website it states according to USC 1681 that the term investigative consumer reporting means a consumer report or a portion thereof in which information on a consumer 's character, general reputation, personal characteristics and mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others he is acquainted or may not have knowledge concerning any such items of information. 

The letter I received back on XX/XX/2023 says this account was verified but how so if this was not investigated properly according to law. This account is still not reporting 100 % accurately as according FCRA USC 1681, it should be accurate reporting.

I also did not give anybody permission to add information to MY consumer report and try to complicate my life! 

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

In accord to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies excise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy ''. XXXX, XXXX and, TransUnion are consumer reporting agencies and I am the Consumer. I have the right to make sure my PRIVATE information isnt shared without my written consent which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of it's customers and protect the security and confidentiality of those customers nonpublic personal information '' ( Furnisher of information to Credit Agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer credit report under the following circumstances and no other : in accordance with the WRITTEN INSTRUCTION OF THE CONSUMER TO WHOM IT RELATES ''. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and, TransUnion ( Furnishers of information to credit agencies ) weather 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 ''. ( Furnishers of information to Credit Reporting Agencies ) NEVER informed me of MY RIGHT to exercise my NONDISCLOSURE OPTION, not only that under 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, other than records of conviction of crimes which antedates the report by more than seven years ''. This accounts is an adverse item they are reporting again without my permission which is against the LAW. 15 U.S Code 1681s-2 ( 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 USC 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 purpose listed under section 1681b of this title ''. XXXX, XXXX and, TransUnion are not maintaining reasonable procedures. Also 12 C.F.R. 1016.7 states that " A consumer may exercise the right to opt out at anytime ''. Also reporting credit transaction history is Illegal under 15 U.S. Code 1666b ( Timing of payments )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting this negative information. 

An investigation needs to be done regarding XXXX abusive and reckless method of verification process. 

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Equifax, A copy of this dispute will be used as evidence if needed. 

The following information is being reported inaccurately, falsely and unfairly by Equifax. 

XXXX 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 don't ever recall paying any of these accounts late/after the due date. 

Attached to this complaint, you will find Equifax 's admission to me of how they investigated my disputes. This method they use is faulty and enables a fraudulent account to be placed on my credit file and also enables inaccurate credit reporting. 

Equifax is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from Equifax 's inaccurate reporting. 

METHOD OF VERIFICATION I would like Equifax to provide me the name of the original creditor, the address and phone number of the original creditor, the person at Equifax who verified the dispute with XXXX XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If Equifax can not send me these simple items, then I demand the accounts be updated to PAID/NEVER LATE. 
I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 

Equifax must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX can not hold in court as per the noted court cases. 

XXXX v Equifax XXXX v XXXX/Equifax XXXX v XXXX ( Equifax ) The Equifax data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent and inaccurate accounts it may create for consumer credit reports! 

At this time, Equifax does not need to falsely verify these accounts again. The only acceptable thing they need to do now is to update them to PAID/NEVER LATE immediately! 

I demand to see Equifax 's method of verification and the documents they relied upon to verify these accounts at the time of my dispute regarding these particular accounts as per the FCRA.
Product: Credit reporting

I disputed an incorrect collection/delinquent account from XXXX XXXX, Acct. No. XXXX. I have letter ATTACHED FROM XXXX STATING IT FILED AMENDMENTS WITH ALL MAJOR CREDIT REPORTING AGENCIES TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT. I have attached that letter to this complaint. Equifax did not remove the item from my credit report. Equifax did not provide any documents supporting its refusal to delete, as I requested and as required by the FCRA, it just said the item was 'verified ' without any supporting documentation. I request you to resolve this issue with Equifax to remove the item from my credit report, as instructed by the creditor in writing on the attached letter. Thank you. Please notify me of any action taken, XXXX XXXX, XXXXXXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) On XX/XX/219, I received a Credit Alert from XXXX. XXXX   Alert shows my XXXX XXXX as " Settlement ''. I never signed a settlement nor verbally agreed to one. 

2 ) On XXXX my Bank of America account shows a balance of {$2400.00} however I paid {$25.00}. The account should show a balance of {$2400.00}.
Product: Credit card or prepaid card

PNC Cash Rewards Visa Signature Credit Card from PNC Bank : I got an offer from PNC Bank to apply for the card. My personal reservation number was XXXX. The promotional terms were : If approved, you will earn a {$150.00} monetary credit on your statement after you have made {$1000.00} in purchases during the first " 3 billing cycles '' following account opening. 

The first billing statement I got was mid XXXX. The third billing statement was in XX/XX/2019. I made the required {$1000.00} purchases before the end of XX/XX/2019. PNC bank did NOT generate any billing statement in XX/XX/2019, either online or by mail. Now they are saying I was supposed to make the purchases within 90 days of account opening, not 3 billing cycles. This is not the offer was, where they said within 3 billing cycles the purchase of {$1000.00} needed to happen. 

I never received that {$150.00} promotional credit and I was told by their rep on XX/XX/2019 that I will not get the credit as I did not make the purchases within 90 days. Please refer to the attached screenshots for what the offer said during account opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS RETALIATING AGAINST ME EVERY TIME I REPORT AN ISSUE TO THE CFPB THEY DO SOMETHING ELSE FRAUDULENT. THIS TIME THEY FAILED TO CORRECT MY SCORE AND ACKNOWLEDGE THE DELETIONS OF MY MORTGAGE COMPANY. THE MORTGAGE COMPANY STATED THEY INFORMED EQUIFAX IN XXXX. I ALSO OBTAINED AN INCREASE IN MY CREDIT. WHILE THE OTHER BUREAUS RAISED MY SCORE THEY DECREASED MY SCORE BY 40 POINTS.  THERE IS SOMETHING VERY FRAUDULENT GOING ON. THEY SEEM TO BE ATTACKING ME PERSONALLY. I WOULD LIKE AN INVESTIGATION.
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against Cash App. ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer Federal protection act specifically. cash app, failed to take time and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected for the more of the dispute resolution process was unfair and deceptive they did not comply with there resolution requirements on the electronic fund transfer act and regulation. These actions has significant interference and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

Dear Sir/Madam, I am writing to bring to your attention a concerning issue that myself and business partner has been experiencing and I have encountered with NOVO. We believe our experience warrants investigation by the Consumer Financial Protection Bureau ( CFPB ) due to potential violations of banking regulations and consumer rights. 

On XX/XX/year>, they closed our account with NOVO. As part of this process, we were informed that a check would be issued to us for the remaining balance in the account, which was {$75000.00} sent to our business address. Despite repeated inquiries and requests for updates, we have yet to receive the issued check or any substantial response regarding its whereabouts from NOVO. We are only able to email them and they only provide the same repeated generic messages. 

Furthermore, our attempts to communicate with them have been met with significant challenges. There are no live representatives available for assistance, and the bank has failed to provide us with a tracking number or any means to verify the status of the check or the closure of our account. This lack of transparency and accountability has left us deeply concerned and financially vulnerable. 

Given the substantial amount of money involved and the apparent disregard for our rights as consumers, we are seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly. We believe that NOVO 's actions may constitute violations of banking regulations and consumer protection laws. 

We have several screenshots of all of the request and screenshots of our account. We trust that the Consumer Financial Protection Bureau will conduct a fair and impartial investigation into this matter and take appropriate action to ensure that our rights as consumers are upheld. 

Thank you for your attention to this matter. We look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX- The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX- The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXXXXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX  - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting.
Product: Debt collection

The credit collection has incorrect information. They have added an address that I have never lived at that is now on my credit report. This debt was supposed to be cleared due to the civil service member relief act. I was on military orders.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. My identity was stolen and there are negative items on my credit report and I believed those are the results of fraudulent activity.
Product: Credit card or prepaid card

I applied for a Discover It credit card in XXXX XXXX 2017. I was approved but for a very low credit limit of {$1000.00} a month ( the average credit limit for the Discover It card is {$3000.00} ). I have an Excellent credit score, long history of credit use and very little debt. I requested that my credit limit be increased. When I asked a manager why I was approved for such a low credit limit, they replied that they do not consider joint credit when determining credit limits. I explained that my credit cards are joint cards with my spouse because we are married and all of our accounts are joint. They replied that they would not consider any of those accounts or credit cards because they are jointly held because they do not know if I am just free-riding on my spouses credit. They said that I would need to build an individual credit history apart from my spouse. I explained that this discriminates against married couples. They replied that this was their company policy, and there is nothing that they can do to change it. In a country where the Supreme Court recently established that marriage is a right under XXXX, I was stunned that a company would discriminate against married couples and would force married couples to separate their finances in order to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra and ftc violations, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you. 

XXXX XXXX XXXX account # XXXX {$1400.00} XXXX  XXXX XXXX XXXX XXXX # XXXX {$26000.00} XXXX XXXX XXXX # XXXX {$34000.00} XXXX XXXX XXXX # XXXX {$390.00} XXXX XXXX  XXXX XXXX {$340.00} XXXX  # XXXX {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Personal Infomation address : XXXX XXXX XXXX XXXX XXXX Alabama XXXX. 
XXXX : XX/XX/1992 Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX XXXX all closed accounts on my credit report and late payments on my credit report. 
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account don't belong to me. Plese remove them from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies 1. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... 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. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 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 ( XXXX ) 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. XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}
Product: Mortgage

I have a conventional loan through Seterus Inc. We pay our payments on time and recently submitted a request for cancellation of PMI. My understanding based on research and Seterus website was that we needed to have 20 % equity on the loan.      Following the appraisal I received a letter advising the value of the home based on the appraisal is {$470000.00}, our loan amount is {$360000.00}. So we have almost 23 % equity but they state in the letter that we need to have 25 % equity.     Are loan companies able to make-up their own rules? I thought the Govt mandated PMI cancellation with 20 % or more equity and on-time payments.     Also, the company states in writing their hours are  XXXX   XXXX  to  XXXX   XXXX  but when calling the number provided it states  XXXX    XXXX   to  XXXX   XXXX , are loan providers not required to be open when customers can actually conact them?