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

I am filing a complaint against Transunion regarding an inaccurate credit reporting on my Transunion Credit Report. They are reporting a bankruptcy which was reported to them by XXXX. This was totally wrong and I contacted XXXX right away to get this corrected. As of XX/XX/2021 XXXX deleted this inaccurate bankruptcy from my records. After this was deleted I immediatley contacted Transunion and informed them that this bankruptcy was deleted by XXXX and that I want it now removed from my Transunion report as this was corrected by the data furnisher. Transunion AGAIN verified this fraudulent bankruptcy as accurate. This is my final complaint regarding this same issue before I file a lawsuit against transunion for violations of the fair credit reporting act. I need this bankruptcy number XXXX to be deleted from my Transunion credit report.
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 1681 I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more are incorrect?

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602A. Stated I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

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.
Product: Debt collection

On XXXX XXXX, XXXX I mailed a check # XXXX in the amount of {$2800.00} to pay in full statement due on XXXX/XXXX/XXXX. This check was cashed and never applied to my credit card account. A letter dated XXXX XXXX, XXXX from XXXX XXXX a collection company was sent to me stating they were collecting on a past due debt. I responded with a dispute. On XXXX/XXXX/XXXX, I received a letter from XXXX services stating they investigated how they were reporting my information. They confirmed the information as accurate that my account was closed by the credit grantor on XXXX XXXX, XXXX. They received my last payment on XXXX XXXX, XXXX and my account has a XXXX dollar balance. After they continued to report my account as past due with a balance I again disputed the information. The executive office first claimed they never sent the letter stating the account was paid so I sent them a copy. They they sent me a letter dated XXXX XXXX, XXXX stating they never received the payment and only issued a temporary credit on my account and reversed it because the information was illegible. This is all 8 months after sending me a letter saying its a paid account and closed. They have been paid and I have a letter from the company stating just that. This account should not be reported as past due, delinquent or have a balance. This is only damaging my credit score and credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake service inc. illegally reported a charge off, repossession, redeemed account on XXXX, XXXX XXXX on a account that was discharged in a bankruptcy in XXXX. I under stand the law and its illegal to report the wrong information on a consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX XXXX has posted a auto loan dating 7 years back without my approval balance XXXX XX/XX/2015 date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all of these companies have posted negative information on my credit report without my written instructions per FCRA please dispute this information with the furnishes as I have tried and failed on multiple occasions directly
Product: Credit reporting or other personal consumer reports

ATTN : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Or XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Re : XXXX XXXX XXXX. Account # XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the NY State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

My vehicle was totaled XX/XX/2023, the car was considered a total loss at no fault of my own I called XX/XX/XXXX to receive my payoff amount which I was told was XXXX good thru XXXX 2023 My car was valued at XXXX by XXXX XXXX XXXX which would leave me {$2300.00} to be paid directly to me by XXXX The manager of the branch turned in fraudulent paperwork to XXXX which I have all documentation stating I owed over XXXX which is as much as my i initial loan amount that I have made XXXX payments on by doing this XXXX gave them all of the money for the payoff Now he will not give me the overage owed to me, I reported to XXXX  as well and he responded to them which I can provide that he has decided to give me my overage of XXXX which shows just from the math he lied to XXXX about XXXX  payoff amount. 
This has been over ten days now where if he had told the truth I could have another car I feel he should be held responsible for his lies as well as one of the financial assistants who provided the false paperwork to the insurance company In managers response to XXXX  he mentions a second account for clarity that is an account I cosigned on a totally different vehicle for my son and has XXXX to do with my vehicle or my account for my vehicle also I tried to have him allow me to take over oayments if he would put sons truck in my name and he said he could not do that so I cant help him I wont pay something off that I am not primary on I already paid A year of notes myself on that account trying XXXX help I can provide all documentation and names that are requested PLEASE HELP MAKE THIS COMPANY DO WHAT IS RIGHT IF THEY DID THIS TO ME HOW MANY PEOPLE THAT DONT CATCH THEIR LIES DO THEY GET OVER ON Sincerely
Product: Debt collection

To whom it may concern, I am filing a complaint with Transunion due to willful negligence. I have submitted many disputes as it pertains to the unverified bankruptcy that remains ONLY on my TransUnion report. Transunion refuses to reinvestigate and continues to provide me with the same generic response from XXXX of 2021 which is against the law and violates my consumer rights as the credit report should have maximum correct information. Transunion continues to state the bankruptcy was verified through the XXXX  bankruptcy court which is inaccurate since they have been provided with documentation directly from XXXX bankruptcy court denying such. If this matter is not properly investigated, I will be forced to start the litigation process. Please properly reinvestigate and remove this erroneous information immediately.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. The Accoount from Department of EdXXXX XXXX XX/XX/year> and XX/XX/year> has a status code of 3 90-119 days past due this is totally wrong as you can see that this account was open after this time there is no 30days late, just 90-119 I was never late while paying on my account. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Money transfer, virtual currency, or money service

I am following this complaint Against Cash app, due to an adequate customer service and unfair practices which violate the consumer financial protection act Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution 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 am seeking appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Dear Sir or Madam, I am writing to file a complaint against XXXX, XXXX, and XXXX for potential violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I am writing to you today because I believe that XXXX, XXXX, and XXXX have engaged in unfair and deceptive reporting practices against me. Specifically, they have continued to publish the full amount of debt owed to Credit Acceptance despite a court ruling in XXXX XXXX XXXX on [ XX/XX/2024 ] that reduced the amount owed from {$3200.00} to {$1700.00}. 

Evidence : A copy of the court ruling reducing the amount owed. 
I believe that XXXX, XXXX, and XXXX 's actions violate the FDCPA because : 12 CFR 1006.34 ( d ) : This regulation requires debt collectors to provide written validation notices to consumers within five days of the initial communication. The validation notice must include the amount of the debt, the name of the creditor, and other important information. In my case, I did not receive a revised validation notice reflecting the reduced amount owed after the court ruling.

15 USC 1681-S2 ( 7 ) ( A ) : This section of the FDCPA prohibits consumer reporting agencies from using unfair or deceptive practices to collect debts. I believe that continuing to publish the full amount owed after a court ruling reducing the debt is unfair and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

these amounts are not correct and not due to XXXX XXXX  XXXX. 
Please remove from the credit report ASAP. 
Thank you, XXXX
Product: Debt collection

I would like to request another investigation. I am not satisfied with the previous one. The facts are not being delivered. The company has never supplied a copy of the original bill which includes original dates from the original business. 

The date of delinquency on this account has been purged. The original date of delinquency is very clearly stated on the bill and is stated as XX/XX/XXXX. Please have collection agency validate. XX/XX/XXXX is inaccurate. The collection agency must have a different bill than I have. The collection agency has clearly re-aged this account. Re-aging this account according to FCRA is against the law. The first date of removal for this account was somehow changed from XX/XX/XXXX. I providing the information I had which is clearly showed a different date than what the collection agency is reporting. This false reporting of information has been upheld by the both XXXX and XXXX. The company is using the date that the account was sent to them as the beginning date of delinquency. The company continues to report this invalid information to the credit bureaus. Several unsuccessful attempts have been made to have this removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed. 
XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid in settlement. {$1600.00} written off. 
XXXX XXXX  XXXX Potentially negative Date openedXX/XX/XXXX Balance {$870.00} StatusAccount charged off. {$1000.00} written off. {$870.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance {$12000.00} StatusAccount charged off. {$11000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX XXXX times once around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The previous complaints were XXXX and XXXX Each time they noted the record was verified and correct. Even after receiving a letter from the clerk of the court stating they do not verify with consumer reporting agencies. On XXXX website it states public records come from Lexis Nexis. On Lexis Nexis website it states that the public records it reports it contains errors and information is not 100 % accurate. By doing this violates my consumer rights reporting not 100 % accurate and complete information to my report. Violated by not maintaining an 100 % accurate information on my consumer report. Violations includes including 15 U.S.C. 6802, 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681b, 15 U.S.C. 1681q, and 15 U.S.C. 1681c-2. This wrong information is hurting me from obtaining credit and purchase an home. Its also embarrassing having this inaccurate not true information on my report. I was told by an agent XXXX XX/XX/XXXX it would be removed in XXXX. Its still on my report this was initiated XX/XX/XXXX for reinvestigation. XXXX also use the complaint from the CFPB as an dispute. This is not to dispute but to investigate XXXX handling in this already disputed account on my report.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my Equifax credit report. My consumer credit report with Equifax is displaying inquiries that I never made for credit. From XX/XX/2024 to XX/XX/2024, inquiries were made on my credit report from lendors or creditors that I do not have relationships with ( with the exception of XXXX XXXX because I have had accounts with them, however, a recent and unauthorized inquiry was made. ) I believe this is a result of identity theft before earlier in the year, I tired to open a checking account and I was denied by the bank due to a XXXX XXXX XXXX that showed multiple identities linked to my social security number. I have already submitted a dispute with XXXX XXXX and they claim to have removed any accounts associated with my ssn that do not belong to me. However, I am under the impression that my information is still compromised. As a result, I have frozen all of my reports with all of the main consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

Transunion failed to do a proper investigation. I asked Transunion to update inaccurate and or incomplete information on my credit report they ate still reporting inaccurate and incomplete information on my credit report which is hurting my ability to get lines of credit. 


I will provide documentation that I sent last month and you will see nothing was done, the inaccurate accounts are still reporting. 

Transunion must do a Reinvestigation of these accounts that will be mentioned in my documents listed below.
Product: Credit reporting or other personal consumer reports

I am reporting unauthorized credit inquiries that I did not authorize. XXXX and XXXX have removed these inquiries after an investigation, but TransUnion has refused to do so. The companies that made these inquiries include : XXXX XXXX XXXXXXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX )
Product: Money transfer, virtual currency, or money service

In XX/XX/year> I opened an XXXX XXXX Business Checking account for my XXXX XXXX. 
I wrote a check from my personal Wells Fargo account to my XXXX business of {$8000.00}. I deposited the check, the money left my WF account, then got to my XXXX business after a week on XX/XX/XXXX. 
2 days later the money bounced back out of my XXXX business ( the XXXX representative informed me that they were missing some authorization from WF ), but never made it back to my personal WF account.

I opened a claim with WF ( the claim i over the period of 120 days and they can not find my money ). 
XXXX says the money actually never made it to my business account. 
WF says they can not get in touch with XXXX even though there is a claim in action. WF sent 3 letters to get in contact with XXXX, but XXXX  says they never received any form of communication from WF. 
The claim was to close on XX/XX/scrub>XXXX XXXX XXXX but has just been extended indefinitely. 
Of course I have been in contact with WF constantly but they can not give me a proper answer on how theyre handling this claim/investigation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you 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 company information from TransUnion. 
Please delete the following accounts : XXXX XXXX XXXX  AMOUNT {$2500.00} acct # XXXX XXXX XXXX XXXX AMOUNT {$14000.00} acct # XXXX XXXX  XXXX XXXX XXXX {$0.00} acct # XXXX XXXX XXXX  AMOUNT {$940.00} acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT {$700.00} acct # XXXX
Product: Mortgage

I have a Land Contract with XXXX XXXX AND THE GAVE MY INFO TO Caliber home mortgages who did a credit check without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Experian claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX This is a follow up so that they can finish removing the rest of the items Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these inquires be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX