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

TransUnion Denied Fraud Block Request FCRA 605B Violation and Use of Unverified Third-Party Data I submitted a fraud block request to TransUnion on XX/XX/XXXX in accordance with FCRA 605B to block inaccurate and fraudulent information from my credit report. I provided all required documentation to substantiate my identity theft claim, including : XXXX. A valid Identity Theft Report from the Federal Trade Commission ( FTC ). 
XXXX. Copies of my government-issued ID as proof of address. 

Despite meeting these requirements, TransUnion denied my fraud block request, citing irrelevant reasons such as payment history, dispute history, and account opening dates. They also alleged that my request may have been a misrepresentation of material fact, without providing any evidence to support this claim. 

Furthermore, TransUnion is relying on inaccurate and unverified third-party data, as evidenced by a letter I received from the United States Bankruptcy XXXX XXXX The letter, dated XX/XX/XXXX, explicitly states : The XXXX XXXX does not provide information to credit reporting agencies. Credit reporting agencies access the Courts data by visiting the office and reviewing records or by logging into the United States XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX system with an approved login and password. Further, the XXXX XXXX is not responsible for the use or misuse of any information so gathered by third parties, such as credit reporting agencies. 

This letter confirms that TransUnion did not verify the bankruptcy information with the original source ( the XXXX XXXX ) and instead relied on third-party data furnishers. These third-party sources are not legally obligated to provide accurate information, unlike credit reporting agencies, which are required by law to maintain complete and accurate records. 

The fraudulent items I requested to block that TransUnion declined include : XXXX XXXX - Account XXXX XXXX. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX XXXX - case number XXXX. 

Why XXXX Actions Violate the FCRA XXXX. Failure to Comply with FCRA 605B : TransUnion is required to block fraudulent information within four business days of receiving proper documentation, regardless of payment or dispute history, account opening dates, or unsubstantiated allegations of misrepresentation. Their denial violates this mandate. 
XXXX. Use of Unverified and Inaccurate Data : XXXX reliance on third-party data furnishers, rather than verifying information with the United States Bankruptcy XXXX XXXX is a violation of their legal duty to ensure the accuracy of consumer credit reports under FCRA 607 ( b ). 
XXXX. Lack of Transparency and Accountability : TransUnion failed to provide specific evidence to support its denial of my request or clarify how my documentation was allegedly deficient.
Product: Credit reporting or other personal consumer reports

I opened a loan with Countrywide in XXXX, who serviced their own loan until Bank of America bought Countrywide in XX/XX/XXXX. __________ I had XXXX late payments from XXXX to XX/XX/XXXX which I was 45 days late paying with my XX/XX/XXXX payment on XX/XX/XXXX, XXXX Without my knowledge or without any disclosure by BOA much less lack of investigation by XXXX of my dispute that I had XXXX deferred late fees caused by BOA Home XXXX XXXX Countrywide XXXX XXXX for my XX/XX/XXXX payment on XX/XX/XXXX, including consistently reported " ok '' payments for XX/XX/XXXX and XX/XX/XXXX by BOA, after providing XXXX strict proof of my claim that I had sufficient funds to pay for the reversal from BOA of XXXX XX/XX/XXXX payment and that the payment wholly cleared my bank and BOA Home XXXX XXXX {$1400.00} XX/XX/XXXX from a larger payment.______________ BOA and XXXX refuse to take XXXX action and remove the payment reversal and issue an error correction in my payment history, as soon as I discovered the payment cleared my bank and was never returned to my bank by Bank of America Home XXXX XXXX XXXX XXXX XXXX inaccurate payment history at the least at XXXX as I was NOT 30 days late with any payment made to XXXX up to the month they forced me into a 30 days late payment of XX/XX/XXXX when they ceased taking monthly payments and accelerated my loan 's principal debt without legal cause as XX/XX/XXXX was paid XX/XX/XXXX, XXXX was paid on XX/XX/XXXX, XXXX was paid on XX/XX/XXXX, XXXX was paid XX/XX/XXXX, and lastly I was not given credit for the {$1500.00} loan payment for XXXX that I paid on XX/XX/XXXX. I had XXXX late payments at BOA reported inaccurately as XXXX, which I was charged by XXXX for XXXX BOA deferred late fees. ________ On most reports XXXX claimed I was first delinquent to the CRA 's without reporting the inaccurate claim of XXXX or XX/XX/XXXX as disputed for 7 years. ___________ XXXX failed to investigate my XX/XX/XXXX to XX/XX/XXXX XXXX 's claims as well, never mentioned anything about a XXXX reversed payment credit at BOA to which XXXX knew of and omitted disclosing to me at all. XXXX couldn't obtain a BOA account history during this time because of the loan servicing transfer BOA would not accept any phone calls from old customers, and XXXX XXXX having XXXX in their possession and deferred to claiming no error existed or that somehow each agent claimed to have confirmed my late payments as accurate when there were none at XXXX until I was no longer allowed to pay for monthly loan payments in XXXX The error in reversal of my XX/XX/XXXX payment as attached is causing XXXX, after my discovery of willful and reckless fraudulent concealment of the BOA account history, caused me to endure 7 years of inaccurate information being repeatedly provided to all CRA 's and XXXX exists as inaccurate payment information in the attached XX/XX/XXXX Verification of Mortgage from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this removed from my credit report. i never received a loan deposit from NetCredit in XX/XX/2021. I have tried to call to have it removed and they have not removed it. i have attached bank statement
Product: Credit reporting or other personal consumer reports

Transunion has violated my rights. Information is inaccurate. According to the following US Codes 1681 ( b ), US Code 1962, US Code 6801 and US Code 605. They are in violation of my rights. 

Personal information should list : ] the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX employer : XXXX { ; ease remove any other names and address asap an for maximum accuracy In Violation of my rights according to US Code 1692 and US Code 605. The following accounts are reported INACCURATE please remive late status XXXX violation of US CODE 1692 never late XXXXk XXXX  violation odf US Code 1692 never late XXXX XXXX XXXX violation of US CODE 1692 NEVER LATE XXXX XXXX violation of us code 1692 never late XXXX XXXX XXXX violation of US Code 1692 never late XXXX XXXX XXXX violation US Code 1692 never late accounts involved in identity theft -remove late payment ststus asap or civil law suit will take place
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violated 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 the federal law and provides consumers with the necessary proof of investigation. 
These are the accounts I've marked as inaccurate : XXXX XXXX account number XXXX XXXX  Card account number XXXX XXXX XXXX XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single mother to a baby girl, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting information to the credit reporting agencies without my written consent. I contacted the bankruptcy court and they did not release the information to them. My rights have been violated by XXXX and Transunion and my reputation has been damaged as a result of their false reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a victim of identity theft. I have tried for several years to clear my credit up. I submitted FTC identity theft reports and police report. Still XXXX, Experian and XXXX have not properlt investigated the matters. they just call the companies and tell me well the company says the debt is accurate when in fact it is not., this has been going on since XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of my account, XXXX which is inaccurately labeled as " Closed Account. '' I believe this designation to be incorrect, and I am requesting a thorough investigation and correction under the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681s-2 ( b ) ( ii ) and ( iii ). 


The " Closed Account '' status on my account is inaccurate because the is reporting inaccurate late payment dates According to 15 U.S.C. 1681i : The FCRA allows consumers to dispute inaccuracies in their credit reports and obligates furnishers to investigate and correct errors promptly. The late dates are different on all three report dates, The activity dates are different as well. This misrepresentation may negatively impact my creditworthiness and does not reflect the actual history of my account. Due to the inaccurate information this account needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Citizens Bank, on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Citizens Bank, violated federal law. see 15 USC 1681b A2. I did not give Citizens Bank, Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
Product: Credit reporting or other personal consumer reports

in accordance with the fair Credit Reporting act XXXX Account XXXX XXXXXXXX Acconunt XXXX XXXX Account XXXX XXXXXXXX Acconunt XXXX XXXXXXXX Account XXXX XXXXXXXX Acconunt XXXX XXXXXXXX Account XXXX XXXX Acconunt XXXX XXXXXXXX Has violated my rights... 

15 U.S.C 1681 section 602 A. States I Have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I was notified that I had a negative report on CFPB. Don't know who or what the report is about.
Product: Mortgage

when I found out that the loan for my mortgage was in the wrong name, I contacted the XXXX, the mortgage company at that time. They did nothing. I sought legal advice to have it removed. I was told that I had to refinance my house, if I wanted it out of that persons name. XXXX told me they did n't do refinancing or modification. I contacted other companies for modification but unfortunately I was XXXX mailed by the person whose name was in the loan. He requested money to sign the paperwork. After I paid him the money, he left town. This caused my house to foreclose. XXXX then transferred my loan ( with the same fraudulent paperwork XXXX to XXXX home loan. I spoke to XXXX today, XXXX/XXXX/XXXX, for the XXXX time, about the fraudulent name and documents. According to XXXX, there is no paperwork with my name on it. Now that my house is in foreclosure, and I 'm not able to do any transaction or ask any question, unless I give them the info for that criminal that they have all over my paperwork, I have no choice but to report this fraudulent act to the government. I had to declare bankrupt, just to save my house, as I 'm the rightful owner. 
I 'm trying to settle this matter without filing a civil suit, as I 've exhausted all my financial resources. The owner of the loan is XXXX Master Participation XXXX. They are predators, who preyed on innocent people like myself. They falsified the paperwork when I did my refinancing in XXXX, removed me as owner of my house, while they collected money from me for the mortgage. I was not able to enquire about my property, without giving them the info of the criminal that they used to XXXX side me. I brought this man to the settlement at the time of closing in XXXX XXXX, based on what they told me. I never knew that they would put my house in his name. This was a scam and fraud, but I never knew it then. It was n't until XXXX, when I refinanced the house, that I realized that I was scammed! I had no choice but to include the scammer in the refinance process. That 's how XXXX, had it set up. XXXX, kept transferring me from XXXX servicer to another. Finally they sent my paperwork to XXXX, whose plan is to take away my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the attached documents to XXXX, XXXX and Experian yet the information is still reporting incorrectly. 
The XXXX XXXX XXXX XXXX and XXXX XXXX Account are showing past due yet they were paid by XXXX XXXX XXXX XXXX due to COVID19. 


Attached you will find the documentation to support my dispute claim. 

XXXX XXXX are not late and were COVID19 related and paid from XXXX to XXXX by XXXX XXXX XXXX insurance. Please correct the information. 

Also I have submitted documentation to remove late payments from XXXX XXXX XXXX. XXXX - XX/XX/2020 were also paid by the insurance company and never late. 

Please make necessary adjustments and correct mistakes. 

Thank you
Product: Credit card

I did not know that my chase credit card was charging me a min fee for every XXXX transaction I was making since the card was tied to my XXXX account. I was notified on the XXXX side of a fee that they charge but was never made aware that there was also a significant fee on the credit card side. I was using XXXX to pay friends and family members for small reimbursement purposes and sometimes the minimum fee charged by chase bank was 50 % or more of the XXXX transaction. I feel these charges have been unfair and deceptive since the additional charges from the credit card side are not reasonably visible for a consumer to be aware of these charges.
Product: Mortgage

The Ditech Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX was not correct. The statement had a double billing for XXXX XXXX in the amount of {$3200.00} for " Taxes ''. The Ditech error raised my XXXX/XXXX/XXXX payment to {$1900.00}, which is not correct. I contacted Ditech on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for resolution. Noticed a Ditech Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX, which stated payment due of {$1900.00} on XXXX/XXXX/XXXX and payment due of {$1600.00} due on XXXX/XXXX/XXXX. I dispute the payment of {$1900.00} due on XXXX/XXXX/XXXX. I assert the payment due on XXXX/XXXX/XXXX should be {$1600.00} and moving forward the XXXX of each month. Contacted Ditech on XXXX/XXXX/XXXX to dispute their second error, and Ditech stated {$1900.00} due on XXXX/XXXX/XXXX and refused to correct their error resulting in the erroneous amount due on XXXX/XXXX/XXXX.
Product: Credit card or prepaid card

Received the following promotional email from Citi : Just make 3 XXXX purchases of {$30.00} or more now through XX/XX/2018. 

Citi Logo View in Browser XXXX XXXX XXXX Icon Cardmember since : 2018 | Account ending in : XXXX Citi Premier Card AN EXCLUSIVE HOLIDAY OFFER FROM CITI Gifts for them. Plus a gift for you. 

Learn how you can earn a onetime {$30.00} statement credit below. 

Man and his son sledding down a hill, next to a photo of a sled on XXXX. 

Earn a onetime {$30.00} statement credit after you make at least three XXXX purchases of {$30.00} or more each with your Citi card between XX/XX/2018 and XX/XX/2018. 

You will receive a onetime {$30.00} statement credit after you make at least three purchases of {$30.00} or more each at XXXX with your Citi credit card. Your purchases must post to your account between XX/XX/2018 and XX/XX/2018. The statement credit will be applied to your account within 2 billing cycles after the eligible purchases are posted. 

In order to qualify for this offer, the account must be open and current at all times. If your account is closed for any reason, including if you convert to another card product, you may no longer be eligible for this offer. This promotional offer is non-transferrable and applies to the account ending in the last 4 digits referenced in this offer. 

I met the terms of the offer completely and confirmed this with an online Citi representative who assured me that the {$30.00} statement credit would post within 48 hours. It did not. 

Citi has denied me several bonuses due to poor technology, poor communication, and an extremely flawed website. I have grown weary of their incompetence and would like to request a {$30.00} statement credit as soon as possible.
Product: Debt collection

Disputed original claim for acct. XXXX with a certified letter within 30days of receiving Capital Accounts LLC demand letter XXXX/XXXX/2015 for {$210.00}. I asked for validation and never got it. I have my letter and documents of proof certified, signed for that I sent XXXX/XXXX/2015 and a Capital Account 's representative signed for XXXX/XXXX/2015. I do not owe this debt. Even if they " proved I did '', I should have still be given a response and not been sent to all the credit bureaus within 5 days. I want the account deleted off my credit until they legally respond to my validation letter. Give me a chance to respond without sending it to the credit bureaus, the whole point is to take my money is n't it. They are in violation FDCPA by not responding to my valid letter sent within the 30days of their claim. I would like to resolve but they need to follow FDCPA guild lines and regulations.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I notice an account was reporting inaccurately. I had multiple late payments on an account that I was in fact on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. Ive attached a copy of a consumer report to this complaint in the following dates : XX/XX/year> & XX/XX/year>. Also this information is not consistent with all consumer agencies ; as Experian, XXXX and XXXX are reporting different information ; in regards corresponding months and the number of days late. Im requesting you investigate and provide verifiable proof with records showing I have late payments. If this information can not be verified, i demand that these payments be updated to on time immediately. Thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

My paypal account is XXXX I transferred {$1400.00} out of paypal to my personal checking account. 

The money appeared in my personal checking account briefly, but then there was a paypal transaction that took the money back. 

However, the money was never posted back to my paypal account. It is neither in my checking account nor in my paypal account. 

Paypal activity summaries are worthless garbage. They do not use a double-entry accounting system. It is EXTREMELY difficult to decipher their activity summaries. I believe this is by design. 

Please cause them to post {$1400.00} back to my paypal account and apologize for their extreme incompetence. Thank you.
Product: Mortgage

I have received multiple warning letters from Wells Fargo Home Mortgage concerning my property insurance despite the fact that the policies have never lapsed and were always adequate. The latest letter from Wells Fargo was dates XX/XX/2018 and threatened me with force placed insurance if I didn't correct the problem within 30 days. After multiple calls to the insurance company, my bank, and Wells Fargo, I determined that the payment had been received by the insurance 4 days before it was due and it had never lapsed. The Wells Fargo representative ( XXXX ) acknowledged that the policy was in force and she could not explain why I received this letter. I have had the same insurance company for several years and they stated that they sent WF the renewal info in XX/XX/XXXX. 

I consider this harrassment - I have always paid my insurance and should not be receving these letters multiple times. I had to make phone calls at work ( because of the insurance company 's hours ) while on XXXX XXXX military duty which detracts from my ability to serve my country.
Product: Student loan

Upon looking into my credit reports, I noticed that there were Nelnet accounts under my name but with different social security numbers. I am now having to dispute all this information in order to improve my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to a dealership to ask about a car and now i have all these hard inquiries on my credit that i did not XXXX for XXXX XXXX BANK XXXX XXXX XXXX OF XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

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 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! 

Delete the late payments from my consumer reports
Product: Debt collection

I have no idea what this is for, I have tried to request validation and nothing. I did not go to the doctors in  XXXX    XXXX  . This is inaccurate information listed from this company  Commonwealth Financial  {$170.00}