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

TO Whom it may concern : I recently received a copy of my ( XXXX, XXXX and TransUnion ) credit report, and i noticed some late payments posted on my credit report : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX  Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

American Express account closed and showed a balance of XXXX that was payed in full on XX/XX/2024. Ive attached a letter to remove the item off of my credit report. 

XXXX  XXXX
Product: Credit reporting or other personal consumer reports

On Tuesday, XX/XX/23, I received an email from a credit monitoring service indicating that an inquiry had been detected on my credit report. Immediately thereafter I received a " Welcome '' email from XXXX XXXX. Suspecting fraud, I called XXXX, the company which issues XXXX XXXX, and it confirmed that a credit card had just been opened in my name. The identity thieves used my real, current email address, date of birth, social security number, my former mailing address and my former phone number in the fraudulent application which was submitted through a link on the XXXX XXXX XXXX XXXX. I requested that the account be closed and the unauthorized inquiry be removed, however, XXXX refuses to remove the inquiry from my credit report per a XX/XX/23 letter. The XXXX police report associated with this incident is XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX, I had to pay around {$900.00} for fees accrued in a loan with Popular Auto, Banco Popular of XXXX XXXX branch for vehicle loans. Merchant phone XXXX and XXXX I had already paid my vehicle loan and was a bit confused as to why I had never received the title. 

Upon contacting them, they told me that they have not sent me the title because I owed them $ XXXX as accrued fees for an extension they gave me back in XXXX when XXXX XXXX XXXX XXXX XXXX XXXX 

I explained that I never requested an extension or for them to stop my recurring car payments, as the payments were set to be deducted automatically every month. 

Their reply was that, back then, they did this across the board, even if the client wasn't informed that such action was being taken. 

Granted, most Puerto Ricans didn't have ways to communicate for months. That said, I never received a letter or a call letting me know that this action was being taken unilaterally. 

I had to pay the $ XXXX because I needed the title of my vehicle, but I had no chance. Otherwise, they told me that I was not going to have that said title. 

Right after I made the payment, I requested to be transferred to dispute the fees I had paid. It has been close to 3 months today since XXXX disputes the {$900.00} fees which, again, I paid with restraint, but haven't received a letter informing me about the decision. 

If my dispute was denied, I still want the $ XXXX I paid to be reimbursed. I don't believe it's fair for me to pay fees for an extension I did not requested. 

Silver lining : I did receive the title of the vehicle. 

Name : XXXX XXXX Last four of bank account : XXXX Contract # XXXX Plate : XXXX Cel XXXX
Product: Debt collection

On XX/XX/XXXX, I received a letter from another citizen of the XXXX XXXX area notifying me that I had a lien on my property as a result of a fictitious loan on solar panels in coordination with a contractor, and XXXX XXXX. Upon further investigation with the clerk of courts office, there is a lien dated XX/XX/2023 at XXXX, by the secretary of state XXXX  findings, and on XX/XX/2023 XXXX XXXX PM, filed by XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX with their person XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX listed as a secure party... and the XXXX  was also electronically signed by this same person. 
I currently do not have any solar panels to this property, nor have I ever into any agreements with any solar panel companies, nor signed off on any loan documents.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. DISCOVER BANK XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

I reached out to equifax back in XX/XX/2023 that I have reviewed my consumer report. I am in disbelief that I have been a victim of Identity theft. i have found numerous accounts that were not opened by me. this is hurting me and harming me. I am getting ready to purchase a house for my family. this is hurting us. please remove the fraudulent accounts from my consumer report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I files a Complaint # XXXX with CFPB against TransUnion for incorrectly reporting an alleged Bankruptcy Case # XXXX ( XXXX ) dated XXXX, XXXX on my personal credit report. TransUnion has responded back with false information verified being false by the attached document provided directly by the 3rd Party vendor, XXXX, that they use to provide them with the reported information as the US Bankruptcy Court does not report nor verify directly any Bankruptcy proceedings. On the same dated I also filed Complaint # XXXX against XXXX for them supplying that information as the 3rd Party vendor to TransUnion. TransUnion responded back claiming that they verified the Bankruptcy information as correct with XXXX. However as documentation directly from XXXX dated XX/XX/XXXX clearly states they removed the incorrect reporting of Bankruptcy # XXXX from their files related to me and verified that they are no longer showing any bankruptcy in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several delinquent payments were inaccurately reported on my credit report when I was actually in deferment. I have initiated contact via several letters certified mail and via email for you to update my credit report to CRAs to show that the payments were not late and actually in deferment. I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 

Navient representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX that any subsequently initiated deferments would not allow for XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *
Product: Checking or savings account

XXXX, our bank charged me a {$37.00} overdraft fee for a XXXX XXXX XXXX XXXX purchase that they said put my account in the negative. I tried to place that order twice the first time I placed that order it was declined because I didnt have enough funds and XXXX XXXX XXXX XXXX sent me an email saying that the order was not going through the second time I placed the order I did have the funds in the account so Im trying to understand why Im being charged a {$37.00} overdraft fee for funds I clearly had in my account because I had to have the funds in the account before they can even place the order for XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America charges a " maintenance fee '' every month you don't have a minimum account balance of {$500.00} in savings. I had {$500.00} in my savings account and was still charged a fee.
Product: Debt collection

Service Contractor NOVAD has refused to send me information about my partial claim. Im trying to make installment payment towards my partial claim ; however, NOVAD refuses to get in contact with or provide me with any information to consolidate my debt.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. The account is hurting my ability to obtain credit. It is my understanding that you will investigate the items for me to ensure accuracy. 
Here is the item I am asking to verify as accurate. 
XXXX XXXX ( XXXX ) ; Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$1300.00}, {$0.00}, {$1800.00}, {$1300.00}, {$0.00}, {$2700.00}, {$0.00}, {$22000.00}, {$19000.00}, {$0.00}, {$19000.00}, {$30000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXXXX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 











2. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXXXX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

11. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- COLLECTION ACCOUNT 13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off on My Credit Report Under XXXXXXXX XXXX XXXXXXXX Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with XXXX XXXX. XXXX. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : XXXX XXXX XXXX XXXX : Protection of personal information. 
XXXX XXXX XXXX XXXX : Obligations regarding the disclosure of personal information. 
XXXX XXXX XXXX XXXX : Disclosure of privacy policies. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Accuracy of credit reports. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Exclusion of certain transactions from credit reports. 
XXXX XXXX XXXX XXXX : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : XXXXXXXX XXXX XXXXXXXX This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had open an account and Navy Federal Credit Union and maintained my account until I was moved out of my home when I was not there and several weeks later I was incarcerated for a period of time. And during this time my card was used, checks were cashed in my name, a large amount of fraudulent charges were made and apparently the bank never flagged anything until several months later and my account was shut down and I was told I was not allowed to be a member of Navy Federal Credit Union any longer, especially after serving in the United States XXXX as long as I did being put out like that without anyone asking any questions or trying to fix the problem was very foul. Now I have over {$1000.00} owed and I had nothing to do with it along with several other accounts that someone stole my identity with.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( American Credit Acceptan ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
instructions. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( American Credit Acceptan ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
instructions. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( American Credit Acceptan ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
instructions. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Transunion and dispute the information. Sent a letter requesting Mov.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 paid collection accounts on my report with XXXX  ( formally XXXX XXXX ),  two with XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX. I have sent each collector a letter asking for proof that it was paid. I have also disputed the accounts with XXXX, Equifax and XXXX  to try and get the paid collections removed from my report. I am currently out of a place to live and I'm trying to get a house. I paid the collections in hopes that would get them removed from my report, but they are still reporting negatively and I am out of options, but to file with you. Below I have included letters I have sent to XXXX, XXXX, Equifax, as well as the creditors of all of the collection accounts. I have also included pictures of how my accounts are reporting to the bureaus.
Product: Credit reporting or other personal consumer reports

15UCS 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1681 ( a ) - Definitions ; rules of construction Exclusions. -Except as provided in paragraph the term ( consumer report ) does not include - any report containing information solely as to transaction or experiences between the consumer and the person making the report.

15 USC 1666 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Credit card

I cancelled my XXXX XXXX XXXX XXXX at the end of XXXX. There was no charge in XXXX so I thought things were taken care of. After reviewing my statements, I noticed a charge on XX/XX/XXXX. I called them last night to cancel again and they said they would call me back. I told them not to charge me last night, but they went ahead and charged another month this morning. The charge is currently pending on my credit card. I called Gemini ( you know the people that are being sued by the SEC ) to stop the payment. They refused to do so despite me telling them the situation. I thought they are supposed to protect me... not the big companies that are stealing from us.