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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX XXXXch falls under XXXX according to XXXXXXXXDebt 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 CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I spoke with someone at Onemain and asked them not to call me at work because I am not the only who have access to the voicemails we have no full privacy at the workplace. I was really humiliated when I received a call on on XX/XX/2019 not only did the person ( XXXX ) call but she left a voice message and the most embarrassing thing is she left the a message with the telephone number and which my coworker looked the number up and knew it was a individual calling about a debt I owed. She then called again on XX/XX/2019 and left another message. 

I also received a call on XX/XX/XXXX from a individual who call from a local cell #.
Product: Checking or savings account

A deposit of a tax return was returned to sender unauthorized my husband is the second card holder on my account he was asked for ca id and ssc and proof of address I sent them all 3 they still sent the deposit back to sender
Product: Credit card or prepaid card

Through personal finance site XXXX, I had heard about the Triple Cash Rewards credit card product from Upgrade, and the fact that it offered 3 % cash back rewards on some very unique spending categories was very intriguing to me. On XX/XX/2021, I began the process of applying for the card directly through Upgrade 's website. 

After providing them with my name, address, Social Security number, bank account information, and  income, I was rather surprised to be informed that I was required to enroll as a member of the XXXX XXXX XXXX XXXX before my application could be processed. Although Upgrade states that they will cover the initial deposit of {$5.00} and the first-year 's membership fee for the credit union , the fact that joining the credit union was a requirement for the card was never disclosed anywhere on the website or during the application process itself ( until after the sensitive information was provided. ).

This seems incredibly deceptive, and had I known that applying for this card would require me to sign up with an additional financial institution that I'd never heard of before ( and that would entail an ongoing cost of membership ), I never would have bothered signing up in the first place. 

After trying multiple times to unsuccessfully proceed with the card application process without joining the XXXX XXXX XXXX XXXX, I was eventually presented with an option on the website to indicate that I was no longer interested in the card and could permanently withdraw my application, which is what I did.

I believe it's only right for consumers to be told of this secondary requirement very plainly and clearly before they begin the application process for the rewards credit card ; I'm sure I'm not the only one who has been miffed by this.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Student loan

My loan was reserviced to AidVantage, and I just received a letter that my interest balance has increased since XX/XX/2020 when interest payments were paused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear Equifax Information Services LLC, I am writing to bring to your attention the continued violation of the Fair Credit Reporting Act ( FCRA ) with regards to my consumer file. I have made several requests to have inaccurate, unverifiable, and invalidated information removed from my credit report, but to no avail. As a result, I am now pursuing litigation to seek relief and recover all monetary damages that I am entitled to under Section 616 and Section 617 of the FCRA. 

Please note that your agency is in direct violation of the FCRA, as unverified items listed on my credit report still remain, which is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that the information is mine and is correct. Despite my requests, you have not provided me with any original documentation or provided the method of verification as required under Section 611 ( a ) ( 7 ). 

Under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' However, it appears that your agency is disregarding the FCRA and has failed to comply with the law. 

I demand that the following inaccurate, unverifiable, and invalidated items be deleted immediately from my credit report : The following personal information is incorrect : Date of birth : XXXX The following personal information is incorrect : Previous address : XXXX XXXX XXXX XXXX XXXXXXXX CA XXXXXXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), this account is in violation for not reporting 100 % accurate information. It lists the bankruptcy court as the furnisher, which is misleading and forgery. The court does not report this type of account. 
XXXX  XXXXXXXX Bankruptcy Case Number : XXXX I did not consent to an unauthorized inquiry. 
XXXX Date of inquiry : XX/XX/XXXX I did not consent to an unauthorized inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX Account involved in litigation with " an incorrect high balance, '' an inaccurate date of last activity, " REAGED ACCOUNTS, '' " Reinsertion WITHOUT PROPER NOTICE, '' an undated late pay, a charge off listed as open, and a collection account with a limit. Your improper practices have resulted in inaccurate information on my credit report. 
XXXX Account Number : XXXX I urge you to take immediate action to correct the above errors to avoid litigation. Failure to comply with this request will result in a formal complaint to the Federal Trade Commission, and the items listed above will be used as evidence in pending litigation. 

Thank you for your attention to this matter. 

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

I reached out to Experian regarding inaccurate personal information that they are reporting on my credit report, and each time I call and ask for this to be removed, they keep verifying and updating the incorrect information. 
Now, according to the Privacy Act of 1974, There is a law that protects personal information held by the federal government by preventing unauthorized disclosures. It also gives individuals the right to review their information, request corrections, and be notified of any disclosures. I have called at least five consecutive times regarding this, and I hope my letter finds you so the correct information can be updated and verified.
Product: Checking or savings account

I was a navy federal credit union member and at one point of time I had lost my wallet which add my debit card and checking and routing number in it. I did end up going to the bank to get a new debit card but after a while someone started using my account with my checking account and routing number and my account started getting overdrawn and it ended up getting over {$1000.00} overdrawn i tried working this out with the credit union but I just couldn't get thru them now i am receiving letter from a collection company stating I owe {$2600.00}.
Product: Debt collection

I have this phoenix recovery group reporting negative. I disputed it and it came back as my. I contacted the source themselves and learned that it was a apartment lease that they said it was a broken lease. This was at XXXX in XXXX XXXX TX. my apartment had caught fire. It 's still online at XXXX XXXX. We were relocated to a hotel for about a month. Then we were released from the lease. We signed release papers.I tried finding the release paper and could n't. I talked to Phoenix recoveryour group and explained what happened and they did n't care one bit. They said they want their money and that 's all. I asked for proof of it being my so I can find the management company that was there at the time in 2009. They told me they do n't have to show any proof at all to me. I was released from the lease and should n't have to pay for it. I want this removed from my credit report ASAP. If failing to do so in a timely matter I will be urged to take legal actions as it has been harmful to my credit when it should n't even be on there in the first place.
Product: Mortgage

We have what seems to be a unique situation. Due to a serious medical issue we got behind on our mortgage and exhausted much of our savings. My husband and I are over XXXX. I am XXXX and he is XXXX. We decided to pursue a reverse mortgage and were approved ; however, the reverse mortgage is less than the principle balance, accrued interest, penalties and fees. We have asked Bank of America to accept the reverse mortgage and we can bring approximately {$10000.00} cash to closing to cover the principle. We provided all of the HAMP documentation to their liking and they are telling us that they can not take a settlement. They also tell us that if we were asking for a short sale they would be able to do this. This does not make sense because if they foreclose and do a short sale they will get less than if they accept our proposal. Is there anything you can do to help us? We have until XXXX to get this closed otherwise the reverse mortgage will expire and with the new rules the XXXX, XXXX, has told us that we will not qualify.
Product: Credit card or prepaid card

I was notified XX/XX/XXXX that Wayfair was closing my account with no reason attached. I sent a message to ask why it was being closed. It was opened in XX/XX/2020. All payments made on time and in full. They said that they were no longer doing business with Comenity Bank, the account would be closed XX/XX/2020 and the balance needed to be paid in full. There were secure messages sent back and forth about this. 

I called Wayfair, they said I had to contact Comenity Bank. I called Comenity bank and was told they were no longer doing business with Wayfair and my account was being closed and needed to be paid in full. 

I recently made some purchases that were on a promotional - No interest for 6 month. They said it needed to be paid in full by XX/XX/2020 or I will be paying the interest on those purchases. 

On XXXX XXXX they closed the account which dropped my credit score because of the percentage of available credit, and I still do not know why it was closed. I asked if mine was the only card being closed. No response. I have secure messages with me asking why and they only response is that Comenity bank is no longer doing business with Wayfair. But Wayfair is still issuing credit cards.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, we we reached out to about available XXXX XXXX tickets from XXXX  ( the id of the account ) on XXXX. This user informed us that she had tickets available that she would not be able to use and just wanted to get what she paid. We paid {$900.00} for the tickets as indicated in the transfer request. I am including a copy of the transfer request as documentation. 
Here are the key details from the Transfer request in clear text : To : XXXX XXXX at XXXX From : Interest Checking - XXXX Sent : Thursday, XX/XX/XXXX Deposited : Thursday, XX/XX/XXXX Speed : Within minutes Reason : XXXX XXXX XXXX XXXX Payment ID : XXXX After the payment went through XXXX asked for a screenshot of the transaction which we sent to her. Further XXXX noted that her partner would verify that he received the payment and she would transfer the 3 tickets to my XXXXXXXX account. XXXX then said her partner was working and would let us know when off. Later that night we were informed her partner was working a double shift and she would get it all sorted out in the morning. XXXX continued delay tactics and we sent a request for a refund of the {$900.00} which remains un-fulfilled. 
Zelle portion : On XX/XX/XXXX, XXXX XXXX sent a formal request for refund to Zelle at https : //www.zellepay.com/support/report-scam including all of the details reported above. We have still not yet received a refund of our fraudulently stolen money.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX I requested an increase of my credit limit to {$20000.00} on a credit card I have had since XXXX XXXX XXXX This request was denied because of a credit freeze on my account. The date of the notice from my XXXX XXXX was XX/XX/XXXX, account number assigned was XXXX. When I was submitting the request through XXXX on XXXX I was told the credit agency was Equifax. I immediately tried to login to my personal account with them, an account I have had since the early XXXX 's when a breach had occurred and I was offered the freeze capability. Since that time I have used the service quite often, temporary specific account, etc. 

When I attempted to login I was told that my login ID was an invalid email address. That address was one that I had established through my XXXX when I lived in XXXX XXXX, AZ. When I moved to XXXX WA I terminated my relationship with XXXX because of coverage. XXXX has advised me that I needed to keep the address active but without a login to them it was impossible. Earlier this year XXXX terminated my email account. 

A secondary issue complicated the matter because of a cell phone issue with my current carrier, XXXX. They refused to transfer my cell number and deactivated the cell number. 

These two issues make login to my Equifax account impossible and complicates any attempt I might make to delete the previous obsolete login and establish a new account with them. I have since found exactly the same issue with both XXXX and XXXX. In fact, all 3 agencies have now added a security freeze on top of the credit freeze. I have not attempted to obtain a copy of my credit report but I believe the request would fail. 

As it turns out my wife has exactly the same problem caused by the exact same issue. She has tested her access and had the same result.
Product: Consumer Loan

Creditors called my aunt and uncle 's home and cell phones looking for me. I had never given them their information to contact them. I called Ally Financial to tell them not to call my family and they assured me that they would not. They told me that their number was not one they used to contact me. When I asked how they were able to obtain such information that said they did not know how or why they were being called. They said a third party may be responsible but they were not able to give any further information when I requested it. They reassured me that they would not be calling them again. However a few weeks later my aunt and uncle called saying they had more harassing phone calls from the company.
Product: Debt collection

Dear Sir/Madam : I have written several request of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : Perfection Collection Opened XX/XX/XXXX - {$4500.00} Original creditor : XXXX XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from MY credit reports. I demand the account be verified or removed immediately! 




If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 )  costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 


XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Transunion. I have already contacted the bank and they agreed to delete this account from my report but the Transunion has some internal block that they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. Please REMOVE this account ASAP : XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent police reports XXXX is taking more than 45 days to remove my items that was taking off by their competitors
Product: Payday loan, title loan, or personal loan

Interrest rates are too high origainal loan {$1700.00}. The loan is up to {$2100.00}. I have been paying on this loan for 4 months now. {$440.00} every 2 weeks. I called XXXX XXXX site they told me only {$8.00} a pay went towards the principle the rest was all interest. So now I am going to just pay the whole loan off with my next pay.
Product: Mortgage

I have a mortgage loan with Ocwen who took over from my previous lender. I have been paying my mortgage on regular basis. Now they are claiming they I owe them  XXXX . I asked them to let me know what months of the past they did not receive the mortgage payment. Instead they send me confusing statement in which they apply my most recent payment to months in the past going back  one to two years