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

TransUnion has been willfully negligent in its non-compliance with the federal trafficking law, Trafficking Victims XXXX XXXX ( XXXX ) by not removing the requested information within XXXX business days. All information necessary according to XXXX was supplied when the request was uploaded via TransUnion 's website and via XXXX certified mail. TransUnion remains in violation of federal law and did not address ALL issues in the CFPB complaint # XXXX. TransUnion HAS RECEIVED, via its website and the e-Oscar system, the non-governmental agency letter certifying that I have been identified as a victim of human trafficking. TransUnion also received via the CFPB complaint # XXXX additional supporting documentation which ALSO CONTAINED ALL OF THE DOCUMENTATION REQUIRED UNDER REGULATION V to take action after receiving information on a victim of human trafficking. TransUnion has and is CAUSED FURTHER VICTIMIZATION TO ME by willfully refusing to act according and under the federal XXXX act and under the rules outlined under REGULATION V. TransUnion has caused and is causing FURTHER VICTIMIZATION TO ME by being deceitful in its responses to my complaints via the CFPB and claiming they have not received the requested documentation from me when that is NOT accurate. 

TransUnion 's inaction and willful negligence and violations of Regulation V and TVPA on numerous occasions proves their willful defiance and contempt of the laws and rules set forth by the US federal government and its regulators. These actions have now given rise for a sufficient claims to be pursued and filed against them in federal court. ALL documents are ONCE AGAIN, for the 3rd time, attached to this complaint and were provided to TransUnion 4 different times previously via its website and via certified mail.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and Reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently disputed inaccurate/invalidated accounts with equifax over 90 days ago and those same accounts still appear inaccurate. Also i never received a response back from the last dispute over 45 days ago explaining why these accounts are inaccurate. this really has put me into XXXX seeing this. i tried looking to dispute these with the collection agency but equifax is in serious violation because they have no information on the accounts as in address phone number or nothing so i could dispute. im seeking litigation. i just XXXX fcra section 611 and it states these accounts must be removed as well.
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. 

1. XXXX XXXX  acct # XXXX 2. XXXX XXXXXXXX XXXX XXXX acct # XXXX 3. XXXX XXXX acct XXXX XXXX 4. XXXX XXXX  acct # XXXX 5. XXXX ( original creditor XXXX XXXX XXXX  acct # 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Payday loan

I signed an on line contract for a XXXX loan ( I live in the State of Illinois ) the loan is for XXXX payments in the amount of XXXX XXXXXXXX98.4 % interest rate. 
The loan started in XXXX XXXX XXXX and I have made 7 payments, sometimes paying before the due date and extra. The company has taken all of the payments except for approx. XXXX and has applied it to interest. 
I was not aware that this was illegal in Illinois and that the max pay day loan is for 6 mos. 
I tried to speak with them to change my contract per IL law and they refused. My last loan payment is due in XXXX XXXX please help me to void this illegal contract
Product: Credit reporting or other personal consumer reports

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

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



I demand the following accounts be verified or removed Immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and legitimacy of several hard inquiries listed on my credit report. Upon reviewing my credit report, I have identified the following inquiries, which I believe were unauthorized and made without my consent : 1. XXXX XXXXXX/XX/XXXXXX/XX/XXXX 2. XX/XX/XXXX XX/XX/XXXX 3. XX/XX/XXXX: XX/XX/XXXX 4. XXXX XXXX : XX/XX/XXXX 5. XXXX : XX/XX/XXXX 6. XX/XX/XXXX : XX/XX/XXXX 7. XXXX FOR : XX/XX/XXXX 8. XXXX : XX/XX/XXXX According to 15 U.S. Code 1681 ( Fair Credit Reporting Act ), you are required to ensure that the information contained in my credit report is accurate, complete, and verifiable. Hard inquiries should only appear if I have given explicit authorization or initiated a request for credit.

1. If such evidence can not be provided, promptly remove these inquiries from my credit report.

Failure to investigate this matter fully or to respond within the legally required time frame of 30 days may constitute a violation of my rights under the Fair Credit Reporting Act. I expect to receive a detailed response explaining the actions taken as a result of your investigation. 

Thank you for your prompt attention to this matter.
Product: Credit card

I took an offer for a balance transfer promotion from First National Bank of Omaha ( First Bankcard ) in or around XXXX XXXX. The promotion was for a lifetime 5.99 % APR. Then in XXXX of XXXX, I made a purchase for {$3100.00}. Since then my minimum payment every month has gone to reducing the balance of the lower APR promotion while the bank has continued to charge my the higher 15.25 % on the purchase from this year. I was under the impression from the XXXX Act that my payment would go to the higher interest charge and would allow me to continue to take advantage of the promotional rate on the balance transfer. Upon calling I was informed this was incorrect. That they can apply the payment as they see fit, first to interest and fees, then to the lower APR. If this is true, it certainly is not in the spirit of the XXXX Act and was not disclosed to me at anytime. I would not have used this card again until I had taken full advantage of the lower APR promotion. Now in effect I am not getting that promotion because my payments are being applied to the lower APR balance first. I take the bank at their word that this is legal, but it is definitely not consumer friendly. This was not disclosed in any way, in effect voids the offer that I accepted from the bank on that balance transfer, and actually increases my interest payment each month. As the lower APR balance is paid first, the remaining balance accrues interest at the much higher rate.
Product: Money transfer, virtual currency, or money service

Hello so my problem is I been contacting PayPal for the longest regarding this complaint I did a PayPal pay in 4 plan For a stay at XXXX the hotel was disgusting I have pictures it didnt have heat I contacted PayPal they couldnt help me but then I also contacted my bank I spoke to numerous reps from PayPal that said if I can provide proof my bank ruled in my favor then Im able to have everything waived which I provided proof already regarding that problem I get told by numerous reps from PayPal its a technical error and thats coming from executive escalations department of PayPal one rep says its good the other rep says its not good a rep that said it wasnt good at first email now says its a technical error as well I have emailed them countless of times trying to figure out whats right and whats wrong I have received threatening phone calls from them and being told they are going to mess up my credit report if I dont pay it back but I told them its a technical error and they will say yes I see it dont worry but I just got told today by a rep that its 70 days over due and I need to pay it and now the rep Im speaking to is saying its a technical error nobody is giving me factual information the only factual information is getting that they will mess up my credit report but another thing is a rep giving XXXX dollars and change if a rep is doing that I dont think my account is in the negative because no way would a rep from payola give you XXXX dollars as an inconvenience if you owe money so I need help getting to the bottom of this I just sent PayPal executive office more emails that said Im going to file a complaint with you guys I dont think my credit should be in jeopardy for misinformation and I will be proving screenshots of this problem
Product: Mortgage

On XX/XX/2022, I had an offer accepted to purchase a home. I reached out to a LoanDepot agent to apply for a VA loan. I started the VA application process and during that process, the LoanDepot agent emailed me stating that I needed to pay for a VA home appraisal. I was sent a payment request for {$1000.00} for " Appraisal Fee payment request. '' The LoanDepot agent informed me that this would cover the VA appraisal and any excess money would be refunded. I paid the {$1000.00} with my credit card on XXXX XX/XX/2022. The {$1000.00} charge was completed on XXXX XXXX on my credit card statement. 

The VA appraisal was completed on XXXX XX/XX/2022. LoanDepot sent me the appraisal report on XXXX XX/XX/2022. 

Due to having issues with getting LoanDepot to approve the loan in a timely manner, I switched to a different mortgage company on XXXX XX/XX/2022. I requested that LoanDepot transfer the VA appraisal to the new mortgage company. 

LoanDepot refused to transfer my VA loan appraisal to the new lender ( even though they are required to do so if requested ), and I had to call the VA directly and ask the VA to assist with transferring the appraisal. I purchased my home with the new lender on XXXX XXXX. 

However, to my surprise, the {$1000.00} " Appraisal Fee '' collected by LoanDepot did not go to the VA appraiser. Instead, at closing, I paid a separate {$650.00} bill for the VA appraisal. LoanDepot had kept my {$1000.00} and never paid for the appraisal. 

I immediately emailed LoanDepot on XXXX XXXX after closing and asked them to refund the {$1000.00} VA appraisal fee, as they never paid for the appraisal. The LoanDepot loan officer responded on XXXX XXXX refusing to provide a refund.
Product: Checking or savings account

Hi my name is XXXX XXXX .I got a call from Citizen Bank saying that if you were the one who withdrew {$80.00} and {$200.00} from an ATM machine at XXXX XXXX XXXX MA XXXX. I replied saying no that was not me and mentioning to them that it must have been a fake card because mine was in my wallet at that time. They asked me to file a fraud claim and said that they would send me a new card, so I filed a claim three times and they only refund {$80.00} not the other {$200.00} and they said that the other {$200.00} was me although I told them that it was not me when called. I tried to call them multiple times but they would not cooperate with me. 
This is my claim number XXXX The company is Citizen Bank . 

Thank you
Product: Debt collection

Received an email this morning from XXXX stating legal action will be taken for debt owed to XXXX XXXX XXXX. They had my personal info including name and SS number. I closed and paid all my dues to XXXX XXXX nearly 10 years ago. I know I do not owe them anything. I check my credit report weekly and have never seen anything pop up from XXXX XXXX or another collections agency. They didn't give any specifics to who they were and signed the end of the email as 'Sincerely, National Credit Adjustor '.
Product: Debt collection

On XXXX XXXX XXXX I discovered Enhanced Recovery Corp ( XXXX XXXX ) had been re-inserted into my credit file. I 'm aware that the credit bureaus are required to notify me within five ( 5 ) days of re-inserting a previously deleted item, I did not receive any such notification. This item should be delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off in XX/XX/2023 I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts XXXX XXXX XXXX Account # 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 Autopay. 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 USC Code 1681eb. 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 in XX/XX/year> 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

Per federal regulations, any debt exceeding 7 year-old can not show up on the consumer 's credit report. The debt in question is over 7 years-old. Debt Recovery Solutions is falsifying records and stating the debt was establish as of XX/XX/2018 on my credit report. This is a false statement and against the law to falsifying records. This company is engaging illegal collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report is showing XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Par both open XX/XX/XXXX That information is incorrect.
Product: Checking or savings account

I received an offer in the mail from citibank. They offered {$1500.00} for opening a checking account and depositing at least {$200000.00}. I opened an account at the local branch in XXXX XXXX. I deposited more than {$200000.00}. Also signed up for electronic statements. Now almost a year later I have not received any bonus. I am unable to get through with anyone on the phone. In an online chat they said I would receive it in XXXX XXXX. That did not happen.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX. - # XXXX violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX. XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to Privacy. And according to XXXX XXXX XXXX ( b ) they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX ( a ) ( XXXX ) section states : no consumer reporting agency XXXX make any consumer report containing any of information. Any other Adverse item of information other the records of convictions, of crimes which antedates the report by more than XXXX years. 
XXXX XXXX XXXX ( A ) XXXX. A person shall not furnish any information relating to a consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate or incomplete. 

UPON the receipt of documents herein and of this notice. You are hereby notified Pursuant UCC XXXX - XXXX. Your prompt attention and response are both requested and required. XXXX XXXX XXXX. # XXXX Signature XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I sent XXXX letters to all three company and the companies hasn't responded in the 30 days .I reached out to the companies and notified them as well with a XXXX follow up letter that they haven't responded in the time allowed and now I'm requesting to have theses items removed from my credit reports. 


XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a chapter  XXXX  Bankruptcy and  XXXX  public records on my credit report that does not belong to me. The courts do not report to the credit reporting agencies nor do they report to third party companies such as  XXXX ,  XXXX , Experian, Collection agencies, or   XXXX   XXXX  . I have sent a method of verification letter to  XXXX  and Experian asking them to fill out the verification form that I sent to them and got no response. These are the accounts in question that are an identity fraud issue : Reference number for Bankruptcy is  XXXX ,  XXXX ,  XXXX , and  XXXX  are the other   XXXX    accounts that do not belong to me.
There is a slew of inquiries that I did not authorize nor did I sign any paperwork to run my credit for any of these inquiries. I called the companies and none of them can send me a signed credit application with my signature stating I authorized these inquiries.
  XXXX   XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX  & f  Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX    Inquiry from  XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time.

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX Balance : {$2600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$28000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$220.00} Date Opened : XX/XX/XXXX
Product: Checking or savings account

My phone was involved in theft and several XXXX charges were processed using my online credentials before I noticed phone was missing and could lock the phone. Have asked the bank twice to investigate this theft under two separate case numbers and told by employees at my local branch that there would be reimbursement, only to later receive a letter both times that nothing can be done because my online credentials were used in the theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX. account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions