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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Dispute of Charge-Off under XXXX5 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by TransUnion. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report. 

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity. 

XXXX correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. 

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. 

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that TransUnion will handle this matter with due diligence and compliance with federal regulations. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.
Product: Credit reporting or other personal consumer reports

Equifax has claimed that they have investigated and verified an account that was disputed by me but the information was not clear and they did not provide and or prove how this account was investigated.
Product: Student loan

I have contacted Navient via telephone regarding co-signed loans requesting information to be sent in writing showing the amount of the loan ( s ), distributions, date of all transactions ( payments credits, fees, interest ). I informed Navient that i just started receving notices about the loans in the last few months, nothing prior. Also that one of the loans was fully paid in XXXX 2013. I have also requested information for a release of this co-signed loan and the status of the application.on the second student loan. 
Navient will not provide the requested information in writing and has ignored all my requests. Previously Navient filed false and inaccurate information with credit bureaus which has caused me financial harm. Navient stated they investigated my complaint saying the false statements were accurate even after I sent proof of their false statements to both Navient & CFPB. No further action was taken on my behalf by either Navient or the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am having issue with a freeze block on my credit that I did not request!! Please remove it at once. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX my SS is XX/XX/XXXX.I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX XXXX , XX/XX/XXXX, Equifax. I am in the process of buying a home and I need access to my files asap. This is a very frustrating.
Product: Consumer Loan

I have an account with Conns and my payment are due on the XXXX of the month. I was told originally that my payments will be due on the XXXX of the month. I receive up to 35 calls per day and have advised the representatives that this is harassment. Today I received a phone call at my employer and advised them not to call. The representative hung up. Then I called back and was told they do not have an employer phone number on file for me. When I asked to speak to a supervisor, I got XXXX ID XXXX and asked her to take my employer out of the system that this is not a contact number for me. She advised that she was able to locate the number in the system and has marked it as do not call. I advised of the multiple phone calls to my cell phone daily and she advised that the company is within there rights. I advised her that as a consumer this is harassment and I that I will be filing a complaint with the Federal Trade Commission. I was also advised that I would have 12 months of no payments, no interest and during one of the phone calls, I was advised that once you are late, this goes away. I explained that I was not advised this at the store and told the representative that I was deceived upfront. They also added some kind of insurance on my account automatically for an additional {$500.00} that I was not aware of until I received a letter in the mail. I explained to them that I have my own homeowners insurance and that has yet to be removed. And I also advised them that my balance on my credit report show over {$5000.00} but I only purchase {$3400.00} worth of merchandise. This still has not been corrected.
Product: Debt collection

XXXX XXXX  need to STOP reporting false information and fraudulent charges on my credit report now and they need to remove permanently this information of theirs from my account as soon as possible. Because I strongly believe that I do not owe them any money for something that I never used or lived in nor rented from them. 
They are falsely accusing me of being in debt with them for about {$2300.00} for an apartment I have never rented. I have never even seen nor obtained any paperwork from this supposedly apartment complex.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to login Equifax for my free credit report for a week. It says to call XXXX. Called that today XXXX at XXXX. On hold for 45 min then XXXX answered and said he didn't know how to fix it. Apparently all he has to do is give me a pin so I can sign in, but he wouldn't do anything to help. I cant get any contact info or even an address, to talk to someone to get my supposedly free annual credit report. Had no problem getting it from the other 2 bureaus, XXXX  and XXXX XXXX.
Product: Checking or savings account

I deposited a check back in XXXX and chase bank, they verified it and everything but now almost 5 months later they bounce back the check leaving me with negative savings. They also said there is nothing they can do
Product: Credit reporting, credit repair services, 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. 

Bankruptcy XXXX XXXX # XXXX, Bankruptcy ch XXXX : # XXXX, XXXX XXXX : # XXXX ( XXXX ), XXXX loan XXXX # XXXX, US Dept . of Education, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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 an 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 7 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.
Product: Debt collection

I recently found out about this problem with XXXX XXXX. i am very upset about this due to the fact that I was never served any legal paperwork, and due to this poor service they have a default judgement against me. I have been losing sleep over this problem, as they are wanting to steal {$12000.00} from me. I remember this Home Depot debt was less than {$5000.00}, and the problem was HOme depot tried to debit my account for {$11000.00} instead of {$1100.00} dollars that was agreed upon. When this happened my bank called me and informed me of this, so home depot was blocked from withdrawing from my account. This caused me many problems. I have been trying to work with XXXX but they are not very nice people, they are difficult to work with, aggressive and not cooperative. If I had money to hire an attorney to file a motion to vacate the judgement because I was never served, I would do just that. unfortunately the justice system is broken and since I have no monies, I can't obtain justice.
Product: Credit reporting or other personal consumer reports

The glaring absence of tangible evidence validating its accuracy, along with the XXXX  of unsubstantiated information, represents a clear breach of the legal framework delineated in XXXX XXXX XXXX ( XXXX ). This regulatory violation is not only XXXX but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the XXXX XXXX  from the disregard for legal standards.
Product: Checking or savings account

On XX/XX/XXXX, and XX/XX/2020 I attempted to transfer funds through XXXX from my Chase Checking Account, to my mother 's XXXX  XXXX XXXX checking account. After a couple of unsuccessful attempts, I contacted Chase for assistance on this matter, which at that time I spoke to a Chase representative on the above days over the phone and in the branch to get assistance on transferring funds from my account to my mother 's XXXX  XXXX XXXX account. Unfortunately, due to the misinformation received from the chase representative, I kept attempting to transfer funds, which was unsuccessful, and Chase closed my account due to suspicious activity.
Product: Checking or savings account

In XX/XX/2023, I has spoke to a gentleman by XXXX XXXX, and never returned or answered my. calls and I found out by XXXX of my coworkers that he was no longer an employee at the company. I have been trying to get my refund retuned of {$3500.00} back. I had been emailing the company in order to have my refunds retuned and specifically advised them in writing to mail me a refund with my address and advised them that my bank account was closed. I have been having issues since XXXX XXXX. I have called my bank Wells Fargo numerous of times and advised me that there was a several attempts that they tried to deposit the monies but could not go in to a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - In 2012 I had my car loan with XXXX XXXX. After making the decision of relocating to USA, I requested to have my loan transferred to XXXX XXXX XXXX. XXXX XXXX  claimed that this was not possible and I had to voluntarily surrender the vehicle if I decided to move ( I come to find out now that this was not true ). After following their only recommendation, they agreed to not affect my credit with a negative remark since it was voluntary and I was in good standing with them. During this past year, XXXX XXXX has been updating the account on the credit reports inconsistently and with inaccurate information. Every other month they change the account status on Equifax and XXXX to repossession, delinquent, owes money, add monthly payments ( account is closed and has been for 7 years ) change the dates of the accounts etc, and only change it back to the right information after every dispute I make ( over 10 already ) It changes from month to month. The original agreement and as it stood for 6 years was : Account is closed, voluntary, no negative remarks, no delinquency no derogatory remarks, no monthly payments are being made or owed. If you can not accurately keep track of the correct information each month, remove it from the credit report. Inconsistent reporting, inaugurate information and malicious intents are illegal.
Product: Checking or savings account

I have been charged at ATM 's. They were supposed to be free for me. I was charged at locations like stores. There wasn't supposed to charge me for taking money off. Also I have canceled cards more than one time. Somebody keeps hacking my account using money out of my account without permission. I keep having to do a far climb, and it happens every so often. And it's getting tiresome because sometimes. I don't get the car for a whole month. Or sometimes they don't want to do anything about it. And they don't speak proper English or the phone. You have to speak talk text on the online app for chi 'm. And it's just getting to the point where I might have to switch. Because the deposits are not posting. When I supposed to post a post? Money keeps coming out of my account. It's not supposed to be coming out and it takes too long to dispute it. You have to wait a long time. I understand that but at the same time. I have to pay things when I get paid
Product: Credit reporting, credit repair services, or other personal consumer reports

on the one inquiry dated on XX/XX/2022 the company check into XXXX XXXXXXXX telephone # XXXX would put me through a series of diffrent departments then the phone call would alw3ays drop on numerous calls. Inquiry # 2 company name XXXX phone # XXXX i spoke with an associate to inform them i had no recollection for this credit account, i was told to pursue the matter with XXXX in order to have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX, and Experian are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA. <P/>XXXX XXXX, {$1300.00} XXXX XXXX , XXXX, {$950.00} XXXX XXXX, XXXX, {$580.00} XXXX XXXX XXXX, {$330.00} XXXX XXXX XXXX, {$310.00} XXXX XXXX XXXX XXXX I have NEVER done business with any of the above companies. The above collection companies can not provide an original signed contract with my signature and therefore MUST be deleted from my credit report. <P/>Please remove all non-account holding inquiries over 30 days old.
Product: Payday loan, title loan, or personal loan

Theyve been constantly taking the amount of {$26.00} out of my account quite some time now and I was told itll be XX/XX/XXXX once Im through paying I would like to stop these payments from coming out of my checking account please here are a few dates showing where its been taken out XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and etc
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian regarding fraudulent accounts on my credit report that were opened by someone who stole my identity. I provided them with an FTC affidavit and a copy of my Florida driver license. Per the Experian website, police reports should only be filed when one can identify the person who stole my identity, or if I have specific information that can aid a police investigation, my information was used in an encounter with LE, or a creditor requires me to file a police report. None of these apply to my situation. Furthermore, I have already made contact with local law enforcement prior to disputing this information or filing FTC report. I was advised that they are not making house visits for such reports at the moment due to COVID-19 and the officer stated that unless I have evidence that will help their investigation ; I should instead file a report with the FTC and send it to the credit bureaus. Which I have done. However, I received correspondence from Experian tonight stating that I need to provide a police report which ( in their words ) would hold me accountable to  XXXX   charges should I be providing false information. I am appalled that they would report fraudulent information caused by an identity thief, but will make me jum through hoops even though they themselves advise against the police report! I am so distraught with everything that is happening, my entire livelihood is at stake and this credit bureau is illegally maintaining damaging information on my credit report against my will and against their own guidelines!! I am attaching id theft guidelines provided to me by my local sheriff department as well as Copies of Experian guidelines as stated on their website. I am also providing screenshot of the email I received from Experian this evening invalidating my dispute. Please help! The following is quoted directly from the email I received from Experian I. Response to my dispute and FTC affidavit : If you do not provide Experian with the required information specified below, you will not have submitted a valid request to block information in your personal credit report due to an identity theft and no information will be blocked.

The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : It was not filed with a law enforcement agency which subjects the person filing the report to XXXX  penalties relating to the filing of false information Law enforcement sent me to FTC, which acts as the primary law enforcement agency for identity theft. This should be more than enough to block and remove these fraudulent entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 A letter was sent to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, & on XX/XX/2020 a letter was sent to XXXX, XXXX XXXX XXXX XXXX XXXX. Under the cares act it was stated that during the pandemic there is to be no negative reporting to the credit agencies including late fees. I recieved notices and alerts I am being reported for late payments and my score has been affected tremendously. I reached out to the reporting agencies and they refused to help me and ignored a statewide message that was put into law due to COVID -19. I am an XXXX XXXX for a school in XXXX XXXX and everyone know the school systems were shut down half the year last year and partially this year and online schooling is limited or not at all. In order to relieve the financial blow to americans it was said for the creditors and reporting agencies to cease collection activities as jobs were closed and americans suffering with no income due to no fault of ours. They didn't want Americans choosing between feeding their families or paying a bill. We are still in a pandemic and I have asked for forebearances and late payment removals. I suffer from XXXX and this is stressful. I have a daughter and a family I have to support and a mortgage and child care. I am reaching out for clarity because im put in the situation of choosing food over my finances. im not trying to avoid them I just need some help from my creditors until I can get through this crisis and request for them to remove the late payments and not tell the credit agencies to hurt my report and please the legislates that have been passed regarding the debt collections and negative reporting to peoples reports.
Product: Credit card

In accordance with the fair credit reporting act this creditor has violated my rights under 15USC 1681 section 602 states that i have the right to privacy, 15 USC 1681 section 604 A section 2 also states that the consumer reporting agency can not furnish my account without written instruction under 15USC 1666B A Creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted 2 certified letters early 2022 and again just recently in XXXX. Confirmed with Equifax that they received copies of my social security showing my name as XXXX XXXX and my license showing XXXX XXXX. I even faxed. Ive submitted more than 5 disputes advising that the name XXXX is incorrect and needs to be removed. Equifax had yet to correct the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment of {$290.00} to Discover in XX/XX/2022 at which time I also entered into a temporary hardship relief program that lowered my monthly minimum payment to {$53.00} for 12 months and also lowered my APR to XXXX  %. I have paid the monthly minimum payment on-time in XXXX and XXXX of 2022 both on the XXXX, however the payments have still been reported as late to all XXXX major credit bureaus. During these months my balance was below the credit limit. 

Even though I have entered into the new payment program, my monthly statement still reflects a higher monthly amount due when my balance is below the credit limit. If the issue is that there is still a higher monthly payment due for whatever reason, Discover should demand that amount be paid BEFORE entering into a new payment program with a lower monthly due amount, so to not make matters confusing by providing multiple minimum payment amounts to the consumer. Once entered into the new payment program, all previous monthly payment amounts should be voided to allow future payments to be reported accurately and consistent with the payment program.