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

I reached out to the three credit reporting agencies via mail with copies of my written letter at the end of XX/XX/XXXX. I received no response from any of them in regards to opting out. 
According to the Family Educational Rights and Privacy Act of 1974 it protects me from my school records becoming public. 20 usc ( 1232g ( b ). In my particular case all three credit reporting agencies and the loan company ( Aidvantage ) are in direct violation of the act. 
XXXX, Equifax, XXXX, and XXXX are in direct violation of 15 usc 1681b permissible purposes of consumer reports. Not one of these companies asked for my consent before furnishing these reports.

Also, in violation of 12CFR 1022.3 for identity theft. This was directly added to my report again without my consent. This is reported every month and it has been going on since XXXX of XXXX, which means it has been 135 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Recovery Bureau LLC File Number: XXXX Original Creditor:XXXX XXXX Original Creditor Acct. #:XXXX / Current Creditor:XXXX XXXX XXXX

The Fair Credit Reporting Act (FCRA, Title 15 U.S.C.  1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically  1681s-3(b)).

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 cannot furnish a account without my permission.
Product: Credit reporting

For starters, I am locked out of seeing XXXX of my credit reports because the information they are asking me is so wrong and fraudulent that I am only left to think my identity, social security number and credit has been compromised. I do n't know what documents I could upload to prove anything, since I should have barley any credit as it is.
Product: Credit reporting or other personal consumer reports

The report is full of errors and considered invalid. They have failed to investigate issues raised over the last few years and continue to report false information that has prevented me from moving due to the low score that is populated from old information reporting and invalid information despite me proving that some if not all of the information is false. Also I have proven that they are reporting on a predatory loan that company admitted and its still on my credit report. 

I am filing this complaint because [ XXXXTransUnion ] has failed to properly investigate and correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, XXXX and more. 

I want to bring to your attention that both XXXX and TransUnion have faced legal action for similar violations. Specifically : XXXX XXXX TransUnion Settlements : These credit bureaus have been sued for failing to properly investigate consumer disputes and for reporting inaccurate information. 
Recent CFPB Enforcement : In XXXX, the CFPB took action against [ XXXXTransUnion ] for failing to meet their obligations under the FCRA, including failing to remove errors even after consumers provided proof. 
XXXX XXXX Data Breach LawsuiXXXX : XXXX has also been held accountable for negligence in handling consumer data, which further underscores the importance of thorough and accurate reporting. 

Given this history of legal violations, I am requesting that [ XXXXTransUnion ] promptly and thoroughly investigate my dispute in compliance with the FCRA. If the disputed information can not be verified as accurate, it must be removed immediately per federal law. 
I expect a response and resolution within the required 30-day period. Failure to comply may result in further legal action or escalation to the appropriate regulatory authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX, 2023. 

I have a medical bill reporting as a collection on my credit report from an out of network provider named, XXXX XXXX XXXX XXXX, who is trying to collect a debt for medical related services without my prior authorization, in the amount of {$1400.00}. 
XXXX XXXX XXXX XXXX is violating my right under the " No Surprise Act of 2022 ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting 1 inquiry from a company XXXX ON XXXX I have no knowledge of this inquiry and never ran my credit or applied for credit with this company.

TransUnion is reporting 1 inquiry from XXXX XXXX  reported on XXXX also I have no knowledge of this inquiry or applied for credit with this company. 

I disputed this information with these companies and neither company provided me with proof. Just verified the information
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX and it was closed immediately. I submitted a complain again last XXXX XXXX XXXX and XX/XX/XXXX and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and filed a dispute on numerous occasions with transunion, XXXX and XXXX to have inquiries that I did not approved removed, and accounts that are reporting inaccurate on my credit profile and they have refused to delete these items. 

XXXX Last dispute was done on XX/XX/2020, amount is said to be {$420.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of Last activity, last report, and date opened was all reporting inaccurate which is a violation of the Fair Credit Reporting Act. They failed to investigate and remove the inaccuracies. 

Appliance Warehouse- Last dispute was done on XX/XX/2020, amount is said to be {$1200.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of last activity, last payment, and the date of the date opened is listed inaccurately, Also the monthly payment, credit limit, and terms are missing from the report. I ask them to delete it as they are reporting inaccurate information and they failed to do so. 

XXXX XXXX XXXX Last dispute was done on XX/XX/2020, amount is said to be {$840.00} dollars, he actions taken was a dispute letter was sent to the Bureaus stating that the monthly payment, terms, credit limit, past due, and the date of last payment was all missing on this account. Also, the fact that medical bills should not be reporting as it is viloation of my privacy. I have disputed this account multiple times and they have failed to remove it from my report. 

Inquires that need to be removed as I did not give any permission. 

XXXX-XXXX XXXX XXXX ( XX/XX/2020 ) and XXXX XXXX XXXX XXXX ( XX/XX/2020 ) TransunionXXXX XXXX XXXX ( XX/XX/2020 ) and XXXX XXXX XXXX XXXX ( XX/XX/2020 ), XXXX ( XX/XX/2020 ), XXXX ( XX/XX/2020 ) and XXXX/XXXX ( XX/XX/2020 ) XXXX US SM BUS ADMIN ODA- ( XX/XX/2020 and XX/XX/2020 )
Product: Credit card

XXXX : I spoke with the legal assistance office, and they reviewed my previous card member agreement and the current agreement that they recently changed, and it appears to violate the MLA in numerous ways. Additionally, I have requested them to call me or contact the military legal assistance office because they are attempting to determine why they believe I am not covered by MLA when I am in the MLA database, moreover, they believe that AmEx might be misinterpreting the rules which are clearly defined in the final rule and the interpretive rule according to Federal Law and US Regulations. 
I have contacted them numerous times since XXXX, most recently in XXXX and XX/XX/XXXX, regarding my covered borrower status under the Military Lending Act ( MLA ). Despite my inquiries specifically about MLA, they initially ran an SCRA check and informed me that I did not qualify under the Servicemembers Civil Relief Act ( SCRA ) because I opened the account while on XXXX XXXX, even though I had not asked about SCRA. Then said I qualified for MLA and they would need to apply it. In fact on their website it states, " Credit must be acquired while on XXXX XXXX '' which it was and has been. Eventually, they conducted an MLA inquiry but denied my eligibility, claiming that my account, opened in XXXX, was not covered because MLA protections apply only to accounts opened after XX/XX/XXXX despite me being on XXXX XXXX in XXXX and currently still being on XXXX XXXX. However, when I consulted the XXXX XXXX Legal Assistance Office, I was informed that this interpretation is incorrect. According to the legal office, credit card companies were required to comply with MLA provisions for all relevant accounts starting from that period, regardless of when the account was originally opened, if there were certain changes to the card member agreement or additional services added on or rendered after that date. Additionally, I had no balance on the account until recently, which means all transactions I am being billed for likely occurred after XXXX. Any changes to terms or agreements made after that date should have been subject to MLA requirements. Despite this, American Express continues to refuse to comply with the law despite me informing them numerous times and for years of my status. Just stating that someone is not covered by MLA does not make is true especially when I have proof of what they say is not true. I have included proof of my MLA protected status.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Kindly remove asap as these are suspicious : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX Mortgage Reporters
Product: Checking or savings account

Money was deposited into the Credit Karma Money XXXXXXXX Account. I received a notice saying that the account was now locked/frozen. There was no explanation given. I've spoken with several individuals and none are able to tell me the reason the account was locked or how long the issue will take to resolve. I have no access to my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation XXXX XXXXXXXX  is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness. 

XXXX. The date, time, and who exactly verified this account XXXX. A detailed explanation of how the account ( XXXX ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Status -Date of last payment -Entire payment history The specific account ( XXXX ) in question are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX If the accounts can not be properly verified or validated , they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

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


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

Synchrony Bank used an unethical practice to charge me a late fee and potentially end an interest-free promotion. My credit card with Synchrony was being auto-paid directly from my checking account. Last month, Synchrony did not deduct my payment and I did not notice it. This month I got a bill showing a missed payment and a late fee. I called them, and they said I had been unenrolled from autopay. I asked why, but the agent was never able to explain what happened. I demanded that they remove the late fee and any record of late payment from my account, which they did. If I had not caught this, it could have potentially wiped out my interest-free promotion and I would've been charged the full rate of 27 %. This is one of Synchronys many predatory and unethical practices. I will never use them again.
Product: Prepaid card

{$50.00} were gifted to me using a XXXX prepaid giftcard. I was trying to check the balance both online and via phone number, and the gift card and pin were invalid. When trying to submit a report on their website using my address, the XXXX digit barcode, and all of my card information, it errored out saying I'm unable to submit a request. Following the instructions to call on the card, nothing could be done since my card was deemed invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX XXXX to report fraudulent activity on XX/XX/2023 from XXXX. The lady then closed secured credit card- after I asked her not too. Opened myself a new credit card account and I believe this is why my credit score dropped XXXX points. She told me over the phone she was closing and reopening a credit account for myself.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

My first cashapp account someone hacked into and sent {$60.00} to someone and when I got access to my account I had changed the password and saw that there was {$60.00} sent to someone. I contacted cash app and they denied my claim and didnt refund me my money. On another occasion they completely shut down my account for now reason and the {$100.00} I had on the account was missing and when I contacted them all they told me was I needed to make a new account and they didnt give me my money back.
Product: Debt collection

United revenue corporation acct. # XXXX balance XXXX. This companie has illegally obtained this debt 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. 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 a 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. And all of this info is inaccurate. Also last but not least none of them have any of my correct information and my rights are directly being violated because none of these companies can validate this debt. They are not mine. My privacy has also been violated and I need them removed immediately. These are unfair and deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$340.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00}
Product: Credit reporting or other personal consumer reports

on XXXX of XXXX, I contacted Bank XXXX XXXX to set up auto payments for my account ending in XXXX. When I called they said it XXXX take 2 months for the auto payments to take place so I have started to do manual payment for a few months but in XXXX & XXXX I have travelled to XXXX for a family emergency and I have thought the auto payments would take care of the monthly payment in XXXX but XXXX did not trigger auto payments, causing a XXXX day late mark for month of XXXX. Also, my credit card has expired in XXXX XXXX and have not received a new card from Bank XXXX XXXX and this could have also caused for the auto payment issues due to the card expiration. 

I have a reached out to Bank XXXX XXXX to dispute this and they have said they have sent this information to the credit Bureaus but have not gotten any resolution yet. 

I have worked so hard to keep my score above XXXX and because of this error my score has dropped from XXXX to XXXX on XX/XX/XXXX. This is impacting our plans to secure a mortgage. I have a strong payment history and ask for understanding to restore my credit report and to remove the XXXX - day late mark caused by auto payments issue.
Product: Mortgage

In XX/XX/XXXX we contacted XXXX XXXX to ask them to change their XX/XX/XXXX report to the credit bureaus from late to no info due to the fact that we had been adversely affected by an unexpected lay off, a circumstance beyond our control. ( See attached letter ). They are currently reporting our account as late, which is hurting our credit score and has made it difficult for us to obtain needed financing to make urgent repairs to our home.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of multiple late payments by XXXX to TransUnion. Their records incorrectly show several payments as late, despite the fact that they were made on time. This false reporting is negatively impacting my credit score and causing unnecessary harm to my financial standing.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 

Equifax XXXX XXXX XXXX - {$2300.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX {$1300.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX Amount - {$280.00} Account number - XXXX Dated Opened - XX/XX/XXXX XXXX XXXX  Amount - {$6000.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX Amount - {$14000.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX Amount - {$720.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX Amount - {$180.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX XXXX Amount - {$19000.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX Amount - {$200.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX XXXX XXXX  Amount - {$700.00} Account number - XXXX Date Opened XXXX XX/XX/XXXX XXXX  Amount - {$340.00} Account Number - XXXX Date Opened- XX/XX/XXXX XXXX  Amount - {$730.00} Account Number - XXXX Date Opened XXXX
Product: Mortgage

I made a large payment with a recast on my mortgage before the first payment. The recast was done after I paid the full first payment. I was told since the large payment would bring the loan down below 20 % that the PMI would automatically be removed. It was not. I called and they refused to remove the PMI multiple times even though my mortgage was well below the 20 % threshold. I am requesting a refund of the PMI paid to SLS as I did not need the PMI.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.