23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

This complaint is also related/reference to CFPB complaint # XXXX XXXX XXXX XXXX ( documents were already uploaded onto the above case ) I am writing to file an complaint against Trans Union and XXXX for : Failing to keep accurate tradeline on my credit report, Refusing to provide Method ( s ) of Verification and information requested by me. 
Refusing to remove inaccurate tradelines when XXXX, did not provide sufficient requested info to back up their claim. 
Allowing XXXX attempt to " re-age '' negative trade-line, a violation, even in situation when XXXX failed to back-up their claims first. 

XXXX XXXX, 2016 I submitted a dispute with TransUnion, a credit rating agency after reviewing my free credit report, complaint # XXXX ( see attached letter ) At issue is inaccurate negative trade lines submitted by XXXX. 

TransUnion and XXXX could not provided any solid documents to back up their claims. XXXX, was not the original creditor and they claimed they purchased this alleged account, but failed to provide any valid Bill of Sale/ assignment/ affidavit ( s ). 

TransUnion further let XXXX to make another/ recent entry to mark " OK '' Current status, next to section 30 days late/ 60 days/ 90 days late, as " an new information '' / reply to my dispute. I did not make any payment to XXXX ever. Any attempt to " re-aging '' is a violation of the rule. 

I would like to have the inaccurate negative tradelines submitted by XXXX to be removed from my credit report. Thank you.
Product: Debt collection

This company has never reached out to me to collect any type of debt. I looked on my XXXX report and my credit score dropped drastically for this collection debt. I called and asked them to provide me with the invoice or any written documentation, which they would not provide me. They asked for my SSN multiple times and were trying to reach someone named XXXX, who is not me. I informed them this was not me ; however, they told me there is nothing they can do unless I provide my SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

My name is XXXX XXXX. I am writing this letter to dispute a credit card transaction and late fees and interests due to an unauthorized transaction on my account. 
I got a statement from ( XXXX XXXX  ) concerning XXXX XXXX XXXX XXXX by XXXX with an amount of {$300.00}. I also got a letter from collection agency -radius- for the same amount. 
When I called XXXX XXXX, they referred me to their recovery department, they stated that this is the fee for XXXX membership renewal. 
I closed my membership of XXXX two years ago and closed my XXXX credit card issued from XXXX XXXX two years ago. 
When I checked online at ( XXXX ), I found that somebody at XXXX XXXX  opened a new credit card for me ended with XXXX and charged me on XX/XX/2018 an amount of {$120.00} for XXXX membership renewal and a late fee and interest was placed on my account since this time and now the total amount is {$300.00}. 
I called XXXX membership department and they stated that my account was closed, and they did not request to authorize XXXX XXXX  to renew my membership. 
I did not authorize anyone to renew XXXX membership or to make a new credit card for me. I am out of the States for one year now. 
When I contacted XXXX XXXX, they stated that my account is closed, and I have a XXXX balance and they referred me to collection department who refused to dispute the transaction and the late fees and interests. 
XXXX XXXX openend a new credit card without my authorization and charged me without my authorization. 
This affects my credit score significantly for a transaction that I have never performed, and it was sent already for collection. 
Bank information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Here you are my contact information : Address : XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, IN XXXX Email : XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I went into Security Finance at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA and applied for an installment loan. After the approval process, I went to sign the contract via an electric device. The associate read over the various items of the contract and handed me the device when it was time for me to initial the specific line item. However, when the associate explained add-on insurances and services, she did not have me initial those specific agreements. The associate electronically initialed those agreements on my behalf without my permission. She also did not disclose that these items were optional. I did not agree to have these items added on : Single Life Insurance, Accidental and Health Insurance, Property Insurance and Involuntary Unemployment Insurance. Security Finance of Louisiana performed multiple consumer rights violations against me. Because of this, the contract associated with Account # XXXX is null and void due to multiple breaches of contract. I first contacted Security Finance about this issue on XX/XX/year> when I was looking through the contract for information related to my due date and interest rate. Once I noticed the optional add-ons that were added without my consent I contacted the local office that I took the loan out with. The representative told me that I did agree to these add-ons and she will have them removed. 

These add-ons were not removed, so I filed a complaint with CFPB. The company can simple review their cameras to verify my claims. I also have notarized statements from XXXX other customers of Security Finance that attest to this same situation happening to them. Security Finance has some very deceitful practices and I no longer wish to do business with this company. This company has breached the contract that I signed with them by way of Unauthorized Contract Modification and Failure to Disclose Optional Products. My consumer rights were severely violated and I will see to this not happening to anybody else!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple certified written letters to Santander Consumer USA asking for the removal of a 7+ year old auto loan that is being reflected as negative information on my report. They have refused to do so. As I am aware that consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years. I am submitting this claim in an attempt to have them fix this issue. Thank you.
Product: Credit reporting or other personal consumer reports

TransUnion is violating my rights by continuing to report inaccurate information to my consumer report the other two agencies have removed the information TransUnion is refusing to uphold its legal obligation and I demand that all inquiries and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry all be deleted immediately from my report
Product: Mortgage

In regards to my Mortgage I have been was under a forbearance because of the hardship due to the Covid Virus since XX/XX/XXXX with a company called Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO. XXXX. 
In Late XXXX I filled out all documents requested by Specialized Loan Servicing for Loan Modification. In early XXXX this company confirmed receiving all my paperwork. Then while I have been under the Forbearance this company has reported negative credit information on my wife 's Credit and my credit the amount that is owed and protected under the forbearance. They have refused to correct this and because of their reporting of this negative credit Specialized Loan Servicing has destroyed our credit. Before this negative credit reporting our credit was XXXX and above. 

The loan Modification that I applied for in late XXXX has now been in process for over three. I call three time a week I spoke to a manager XXXX XXXX number XXXX that has been assigned to my account once XX/XX/XXXX stating he was taking care of everything he made call appointments with me for several days and has since never called me back. I called and requested a supervisor call me back no return calls. When I call the recording outgoing message for my account tells me I have been approved when I ask what the delay is I'm told that they are awaiting signature from investor. I have been told this now for months now. I fear when my forbearance is over XX/XX/XXXX and when the protection is over they plan to a foreclosure. No one can give me a reason why would they allow an investor to take three months plus to sign and review the documents for my Loan Modification. I have contacted them three times a week and been told over and over again they awaiting Investor review but the people I speak to tell me that this isn't right and my account for the Loan Modification she be taken care of but I just get talk and no action no returned calls. 
XXXX XXXX
Product: Checking or savings account

This is a Fraud account opened when my information was stolen. i called and put in a fraud report. Now the credit union has this on my credit report as a high risk account. I want this off my account, i Did not open this account. I already belong to a credit union and i don't need 3. Navy Federal Credit union needs to take this off my entire world is in shambles because my information has been stolen.
Product: Credit reporting or other personal consumer reports

Hello, Sir or Madam. 

I have been a victim of identity theft. I recently found out that my personal information was taken to open an account with your North Cash I did not open or authorize this account, hence I beg that it be closed right away. I also request that you absolve me of any charges on the account and take all necessary actions to delete information regarding this account from any and all records as soon as possible!!!!

A copy of my Identity Theft Report, which supports my argument, is enclosed, as well as copies of my Clarity Report and FTC ID Theft Report.

A copy of the CFPB 's Notice to Information Furnishers is also provided, which outlines your responsibilities as an information provider to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumer 's written request accompanied by an Identity Theft Report, you must cease giving identity theft-related information to any CRA.

The Notice also defines your responsibilities when a CRA notifies you, pursuant to section 605B of the Fair Credit Reporting Act, that information you gave to the CRA may be the product of identity theft. These responsibilities include ceasing to supply misleading information to any CRAs and not attempting to sell or transfer fraudulent debts to another party for collection.

Please examine this situation, cancel the account, clear me of any charges, follow the Fair Credit Reporting Act 's requirements, and write me a letter outlining your findings and actions.

All the Best,
Product: Credit reporting or other personal consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute of Inaccurate Account Information - XXXX XXXX  Dear Sir/Madam, I am writing to dispute the following inaccurate account information on my credit report. I believe the account listed below is not mine, and I have no contract or relationship with the company. Therefore, I request the immediate removal of this account in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. 

Account Information Account Name : XXXX XXXX Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$520.00} Past Due Amount : {$520.00} as of XX/XX/XXXX Since this account is not mine, I request that you remove it from my credit report immediately. Please verify the ownership of this account, and if it can not be substantiated with accurate documentation, it should be deleted from my credit report. 

I kindly request a prompt investigation into this matter, and I would appreciate receiving written confirmation once this error has been rectified. If you require any further information or have any questions, please feel free to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX i am reporting a federal violation that i need to be resolved immediately transunion is reporting XXXX XXXX XXXX pursuant to 15 USC 1681 b ( 2 ) without my written permission Transunion. I demand that this be removed from my reports no consent is identity theft, and I need for this to be removed immediately if not I will take legal actions. I sent Transunion a letter stating these violations. This is illegal
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

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

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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: Student loan

In XXXX  of XX/XX/XXXX I had my loans transferred to XXXX because as a XXXX XXXX XXXX, I wanted to work towards loan forgiveness. Up until this point, I had no issues with my income based repayment applications being processed and I made timely payments. Since working with them, i have received conflicting information regarding my application status. Forms that were to be mailed to me were not. They claimed to have not received one form but inexplicably received the other. Most recently, I entered a doctoral program. I initially wanted to continue on my IBR and requested to continue to pay. they denied it and said i had to pay {$1400.00} which I could not afford. I then reapplied for in-school deferment while the situation was rectified. I was told in XXXX that I would receive a form in XXXX and all would be well. I received the form in XX/XX/XXXX immediately faxed it back - was told that it would be taken care of immediately only to find that {$1400.00} had been deducted from my account that I did not have money for and could not afford. The website does not allow you to remove bank account information from the profile as it states. I have just had horrific customer service, representatives who know absolutely nothing and they have now created a financial hardship for me and my family.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, Experian and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax 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, 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. 

The following account have been disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order I have reached out several times to have unauthorized inquiries removed and Equifax will not do their due diligence and remove. I was negatively affected by their breach and I want all unauthorized inquiries removed. The inquiries are as follows : - XXXX XXXX XXXX XXXX BankXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXThese are unauthorized and fraudulent and have no open accounts on my credit report. Per my rights under the FCRA, they should be removed immediately. remove inquiries from CRA as does not show true depiction of credit history.
Product: Student loan

I 've attempting to apply for  XXXX   XXXX   XXXX  that is up to {$17000.00}. I have worked in a   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  for the passed 21 years, and meet all the requirements but have received no assistance.     I 've completed all the necessary paperwork but to no avail. I continuously receive emails notifying me I eligible for the assistance ... ... then complete the paperwork and nothing happens.     Why?     Can you help.     Sincerely,  XXXX  in too much debt.
Product: Checking or savings account

On XX/XX/year> & XX/XX/year>, I applied for credit at Well Fargo application # XXXX. At this time, my application was not return to me. So, I have gave Wells Fargo XXXX XXXX aka my application. I want my Application/securities RE TRACKED from wells fargo because all application approved or denial can be sold, transfer or assigned & I'm don't want my wells fargo to profit from my security since I never received anything from them. And, I'm requesting the 1099b tax form to completed and forward to me, since i did Barter transaction with wells fargo according to IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated on each and every one of these accounts! 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX and 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. My legal rights have been violated. 
FCRA RIGHTS HAVE BEEN VIOLATED UNLESS REMOVED I WILL BE SEEKING DAMAGES FOR THESE WILLFUL VIOLATIONS Paid Account / Late Payments Account Name : XXXXXXXX  Account Number : XXXX Please investigate every piece of information is correct. If the late payments arent reporting XXXX percent accurate, please remove them from this account and update the account as paid as agreed Account Name : XXXXXXXX XXXX Account Number : XXXX Please investigate every piece of information is correct. If not please remove it from my credit report. 


Account Name : XXXXXXXX XXXX  Account Number XXXX Please investigate every piece of information is correct. If not please remove it from my credit report.
Product: Checking or savings account

Opened Bank of America XXXX XXXX XXXX checking account on XX/XX/2022. Confirmation number is XXXX. Terms of the promotion : {$20000.00} deposit in 30 days and maintain balance for 90 days to receive {$500.00} opening bonus. Deposit was made on XX/XX/2022. The bonus never arrived. Called customer service who logged the ticket with the promise to contact back with resolution. After not hearing back for several weeks another contact via chat stated that I dont qualify.
Product: Checking or savings account

On XX/XX/XXXX multiple unauthorized ATM & debit transactions were made on my business account totaling {$14000.00}. I reported this to the bank as soon as I found out upon checking my account balance as I was not notified. I found out that someone falsely represented me on the phone and called to change my business address in XXXX 2017. I was told account notifications were turned off and that my limit on the amount of money to withdraw in one day was raised. In XX/XX/XXXX a new debit card was sent to the fraudulent address. XX/XX/XXXX a pin # was sent out to the same fraudulent address. On XX/XX/XXXX, a {$3000.00} account transfer was done from my personal account to the business account and {$2500.00} from my business savings transferred to my business account and then multiple ATM withdraws ranging from $ XXXX {$3000.00} were made along with 2 transactions at XXXX totaling {$2900.00} each. Total amount stolen was {$14000.00}. <P/>I filed a claim with Chase and had to file 2 separate claims : 1 for the ATM transactions the other for the debit transactions. <P/>I filed a police report, claim # XXXX. <P/>XX/XX/XXXX, Chase informed me they 're denying the dispute for the debit transactions because someone called representing me and " authorized the transactions '' and had the debit card & pin # for the card and they are reversing the temporary credit on my account in the amount of {$5800.00}. <P/>All of these unauthorized transactions occurred because Chase allowed someone claiming to be me to make changes to my account, including my address, account notifications, travel suspension, increase spending limits, and request new debit & pin #. Chase failed to protect my account and my personal data which was used to steal XXXX. Chase has failed to fully investigate this situation fully and to resolve it in a reasonable manner. <P/>I have been in contact with XXXX corporate regarding the debit transactions, they have video footage available and are willing to give the money order numbers that were purchased. They said Chase bank would need to open a claim with XXXX 's loss department, but Chase has not contacted them regarding my situation, neither has the police. <P/>I am a small business owner. I own a XXXX XXXX  licensed by the state that can not move locations easily or frequently. I am disappointed that Chase failed to notify me at my address, email address, or phone number regarding any of these changes or transactions and that they failed to protect my money and are failing to take corrective action to resolve this issue.