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

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-XXXX Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Debt collection

UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with Bank Of America HELOC states late payments where there was never one. 
Payment History is incorrect, and I am requesting that this item be deleted in order to adequately reflect my true credit history.
Product: Checking or savings account

I closed my joint checking and savings account back in XXXX  when my relationship ended and moved back from XXXX  to XXXX. Have contacted bank less than XXXX  times since to ask to stop sending mail and confirm account was closed. Just received email that mother 's deposit went through to a Navy Federal account and called bank to close it ASAP and they want me to pay to close it. XXXX?!
Product: Debt collection

Submitting another complainr as more has come to the surface now about misconduct by both XXXX ( the leasing office ) and " Columbia Debt Recovery ( dba as Genesis ) ''. XXXX sent our " rental debt '' to collections saying that me and my roommate XXXX owe them {$22000.00} from back in XXXX. I just happened to take a look at my credit score the other day and it was lowered by XXXX points and their was a huge derogarotry collections mark. I had NO notification about this. I just happened to stumbled across. This is The leasing office that sent us to collections -- >XXXX XXXX XXXX Not only did the collections agency " Columbia Debt Recovery ( dba as Genesis ) '' never contact me or present a right to dispute, but the are also charging interest 7 % interested on this " rental debt '' and have tacked on hundreds of dollars already on top of the XXXX. They are NOT allowed to do this since we filed for economic hardship under the COVID 19 tenant relief act XXXX which clearly states " Landlord may not charge late fees for nonpayment of rent between XX/XX/XXXX and XX/XX/XXXX to tenants who have attested they are experiencing a COVID-19-related hardship ''. 

We filed for this on XX/XX/XXXX. Our XXXX Application number is XXXX however the " Genesis '' collections agency has claimed they are charging us 7 % interest as a late fee on this debt! They are not allowed to do that. 

The second issue that the landlord at XXXX XXXX XXXX XXXX  notified us past the date they were supposed to about renters asssitance before it was wayy too late. It's stated in the COVID 19 tenant relief act SB91 that it " Requires landlords to notify all tenants who owe back rent about the availability of their rights and the rental assistance program via an informational notice by XX/XX/XXXX ''. They first notified us about this on XX/XX/XXXX as shown in the screenshots from the email. 

All of these factors should be considered. Both me and XXXX would like all of these derrogatory marks whiped clean from our credit reports as there was misconduct on multiple levels here by both the leasing office " grey star '' and by Gensis.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, Wells Fargo Bank is continuing to report this ( 2017 ) Charge Off INACCURATE account on my credit profile. Wells Fargo is well aware that I'm disputing these inaccuracies with XXXX, XXXX  and XXXX, however they continue to report erroneous information. 
I gave Wells Fargo a written request for Validation Of Debt numerous times and they failed to do so. Wells Fargo informed the XXXX  XXXX  XXXX that they were working with me and provided a Validation Of Debt, but instead they mailed me a copy of Wells Fargo Terms and Conditions in multiple languages, which that was NOT a proper validation. After disputing with XXXX, XXXX  and XXXX  Wells Fargo started BULLYING ME by reporting MONTHLY : MISSED PAYMENTS, LATE PAYMENTS, CREDIT LIMIT DECREASES, CREDIT INCREASES, CHANGING REMARKS, DIFFERENT PAYMENT HISTORY, DIFFERENT ACCOUNT NUMBERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the CFPB on XX/XX/XXXX. All three reporting agencies responded ; Equifax, XXXX and XXXX responded on XX/XX/XXXX, closed the complaint and did nothing. All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not give my consent. That is also a violation of 18 USC 1028A aggravated identity theft and The Privacy Act of XXXX, seeing as they shared my Social Security Number. According to 15 USC 1681C-2 the consumer reporting agencies have 4 Business days to block information resulting from alleged identity theft. It has been more than 4 days since they opened their investigation and no action has been taken.
Product: Payday loan, title loan, or personal loan

Ive been paying on my title loan for going on 6 years, maybe more. Ive moved across the country since and I dont know where I placed the paperwork. They forced me to get the payment protection so if I were to XXXX they would consider the debt paid. Im paying about 100 % interest on the loan with almost {$6000.00} left to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Fraud Alert with Equifax on around XX/XX/XXXX.
I have not heard back from them since then.
I did get a letter in the mail from XXXX on XX/XX/XXXX.
It is my understanding that if I have a Fraud Alert no one can open an account under my name unless they contact me.
Today, XX/XX/XXXX, I received and e-mail from from XXXX XXXX that XXXX XXXX/XXXX  and XXXX XXXX had run a Hard Inquiry on my credit. 
A few minutes later XXXX sent me a similar e-mail and called me on my cell phone. 

I call XXXX. They started an investigation in the Hard Inquiry.
A Hard Inquiry not only lower my Credit Score ; but, is also an  indicator of fraud. 

I filed and Identity Theft Report at www.ftc.gov. 
The FTC emailed me instructions to file a Fraud Alerts with the Credit Bureaus and later to contact the Fraud Department of XXXX XXXX and XXXX XXXX. 
so both companies could remove the Hard Inquiry off of my credit reports. 

I followed the FTC 's instruction and contacted XXXX the credit agency that conducted BOTH Hard Inquires. I filed an Initial Fraud Report with XXXX. 
They e-mailed me back quickly. 

I tried to file another Fraud Alert with Equifax today, and I received an ERROR MESSAGE. 
Something is WRONG with this Credit Bureau. 

I then called XXXX XXXX/XXXX, XXXX, Florida, XXXX at XXXX. 
After one hour on the phone speaking to two of their Fraud Department folks, I found a manager that could help me out. XXXX filed the paperwork to remove the Hard Inquiry off of my Credit Report. IT WILL TAKE 90 DAYS to fix my Credit Report. 
I find this unacceptable, unconscionable, malevolent, and evidence that this company engages in unfair business practices. 

I then called XXXX XXXX, XXXX XXXX XXXX, Utah XXXX at XXXX After one hour on the phone speaking to two of their Fraud Department folks, I found a manager that could help me out. XXXX filed the paperwork to remove the Hard Inquiry off of my Credit Report. IT WILL TAKE 90 DAYS to fix my Credit Report. 
Again, I find this unacceptable, unconscionable, malevolent, and evidence that this company engages in unfair business practices. 

In summary, I need your assistance in ensuring that Equifax posts a Fraud Alert on my credit information. In my opinion, all government contracts should be pulled from this company IMMEDIATELY and an investigation on unfair business practices initiated. 

I also need you assistance in following up with BOTH XXXX XXXX and XXXX XXXX. I do not understand why BOTH are not interested in stopping identity fraud. 
I have a XXXX year old XXXX Veteran. It does not bother me to stay on the phone ONE HOUR to get things done. Hard working taxpayers do have the time to do this. 
The business practices of these two companies needs to be revised and changed. 

I do not understand why it will TAKE THEM 90 DAYS to fix my credit report. 
These two companies should also be investigated for unfair business practice. 
I appreciate you support. 

Very respectfully, XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit, which highlights significant issues with the platform 's ability to protect consumers. My recent experience further underscores these shortcomings and raises serious concerns about the lack of accountability and consumer protection. 

I encountered an issue where unauthorized transactions occurred on my Zelle account. Despite promptly reporting the matter to both my financial institution and Zelle, I was informed that recovering the lost funds was impossible and that tracking the transactions was unfeasible. This response was deeply disappointing and left me feeling vulnerable as a consumer. 

The CFPB findings reveal that Zelle has failed to implement adequate measures to protect its users from fraud and has, in fact, allowed repeat offenders to exploit the system. My experience mirrors these findings, as neither Zelle nor my financial institution thoroughly investigated my case, leaving me with no resolution or recourse. 

I urge Zelle and the relevant financial institutions to take immediate and meaningful action to address these systemic issues. Specifically, I request a re-investigation of my case and a clearer explanation of the efforts made to safeguard consumers from fraud. It is essential to restore trust in the platform by ensuring that all users are protected from unauthorized transactions and fraudulent activities. 

Thank you for your attention to this matter. I hope my concerns will be taken seriously and that steps will be taken to improve the dispute resolution process for all users.
Product: Mortgage

Hello, My name is XXXX XXXX and I have a home located XXXX XXXX XXXX XXXX XXXX Il XXXX. I had been struggling not to loose my home and was in a modification that was too high for me to afford. I was told just keep up with my payments for 12 months and my mortgage would be refinance. I never had the opportunity for apply for a HAMP because I was informed the loan bank would allow and was located in XXXX. My loan was originated in XX/XX/XXXX with Indy Mac Bank who was also who I was making my payments too. I was informed my loan was sold and according to Respa I did not received a 60 day notice that my loan had been sold and now my property has been taken from me by deed. I was also inform that I could contact XXXX Bank who my loan was sold to by my originated lender on XXXX to apply for a Home Affordable Modification since I never had the opportunity to being in a adjustable rate mortgage and my mortgage was under water. I was not notified in writing from my servicers or origination lender that my loan was sold to the bank that foreclosed on my property and will not work with me on not eviction removing me from my property. I really do n't want to loose my property for unfair treatment of adding force place insurance to my modification not allowing me to get my own insurance to reduce my payments to a fair amount I could not afford. Instead my lender would not allow me since they were making a commission off of me. I feel they only cared about themselves not me as a borrower assisting me with a fair fixed rate mortgage instead of a ARM and violated Respa Guidelines by not written notice that my loan was sold to a lender I could have tried to work with to avoid loosing my property. Please assist
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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  : {$620.00} XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Details of the Issue : I am filing this complaint to address TransUnions refusal to comply with Section 605B of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ). Despite providing all legally required documentation, TransUnion has failed to block fraudulent information from my credit report, creating undue harm and violating consumer protection laws. 

The documentation I submitted includes : A valid FTC Identity Theft Report ( including an official report number ). 
A signed police report documenting the fraudulent activity. 
Personal identity verification ( e.g., proof of ID, Social Security number ). 
A detailed list of fraudulent accounts, including account numbers and dates. 

TransUnion unjustifiably rejected this documentation as " not acceptable, '' violating the clear obligations set forth in the FCRA and failing to act on my requests.

Relevance of FCRA 605B Under 15 U.S.C. 1681c-2 ( b ), a consumer reporting agency ( CRA ) is required to block fraudulent information within 4 business days of receiving : A valid identity theft report, such as an FTC Identity Theft Report or a police report.

Identification of fraudulent accounts or activity.

Certification of victimhood under penalty of perjury.

I provided all these elements, fulfilling every requirement outlined in the statute. TransUnions refusal to act is a direct violation of this law.

Additionally, under FCRA 611, CRAs must conduct reasonable investigations into disputed information. TransUnions outright rejection of my documentation without proper investigation constitutes a failure to comply with this mandate. 

Relevant Case XXXX XXXX XXXX TransUnion LLC ( XXXX ) : This case highlights a pattern of systemic noncompliance by TransUnion in handling identity theft claims. The court noted that XXXX failure to block information after receiving valid documentation is a violation of FCRA XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) : This case reinforces the CRAs obligation to investigate disputes and block fraudulent information promptly. Failure to do so exposes CRAs to liability for damages under the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : The court ruled that CRAs must exercise reasonable diligence when processing identity theft claims. TransUnions rejection of valid documentation without adequate explanation violates this standard.

These cases demonstrate that TransUnions actions are not only unlawful but part of a broader, systemic failure to protect consumers.
Product: Credit card

I have an Ulta rewards credit card. I have not used the card since XX/XX/. I made a purchase XX/XX/. I decided to look into my past purchases to see everything i order and the shipping status and noticed there were 5 transactions On XX/XX/XXXX  that I did not make. XXXX of these transactions were cancelled, however, someone made an actual transaction with my ulta credit card and picked up the Item in store. I looked at my credit card transactions and there was the purchase on my statement. I called the number on the back of the card 3 times, tried to get ahold of a real person to talk to but the automated robot would not transfer me. I reported the fraud to XXXX XXXX. I then called the ulta number again and decided to cancel the card and account. The robot said a new account was opened and ill receive a new card soon, but that doesnt help with the charges made from the person who stole my credit card information.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate these accounts/addresses were in dispute within 30 days now these accounts/addresses in violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Did not receive a 1098c of validation of this Suppose to be debt. 


To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. 

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. 

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately. 

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


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

I had a fraudulent credit card opened for Capital One in the amount of {$1200.00}. When I disputed this I submitted documentation from the FTC as proof that this account is fraudulent and they refuse to remove this from my credit profile.
Product: Debt collection

I have never had a contract with this company and they put this debit on my credit then took it off after dispute before then added it back again without verifying the debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already deleted the e-mails regarding my request to see why my EQUIFAX credit report stopped showing the fraud alert associated with my credit data. I did contact and describe in detail what my issue was. I was contacted back with an e-mail saying the issue was resolved. In fact it is NOT RESOLVED. I have been renewing my fraud alert since the data breach was first published. I am allowed to renew some days in advance and do get the verification that a fraud alert is active on my account. Customer service also stated the fraud alert is active. I believe it has been about 30 days since I received the last email that my issue was resolved. If it is possible see if Equifax can determine why a fraud alert is not still displayed in the " Credit Summery '' of my report.
Product: Credit card

I have opted out permanently for prescreened credit card offers, but I still get them from Century Bank. I have also called them directly but the offers still come.