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

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX  DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX-XXXX  XXXX  Dispute Department XXXX XXXX XXXX XXXX, Texas XXXX  TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, PA XXXX  XXXX. 




I recently submitted a request for investigation of an Acct Number : 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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Payday loan, title loan, or personal loan

I livechatted on XX/XX/2023 with a representative named XXXX to let them know I won't be able to pay until XX/XX/2023. Instead, they drafted my bank on XX/XX/2023 and caused me returned check fees. When I called CashNetUSA about it, they proceeded to tell me that they couldn't find the messages and my account wasn't notated. Luckily, I took screenshots of the entire conversation and have my phone calls recorded even on my side. Attached is the screenshotted conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these items on my credit report with Experian, XXXX and XXXX since XX/XX/2020 and not once has they ever ever responded to any of my dispute request and this is unacceptable. They can not continue to blame COVID-19 for the reason why they are not taking care of any dispute requests. I demand that these items be deleted from my credit report and a new updated credit report sent to me within 15 days ... It does not take over 6 months to hear back from these credit bureaus.. This is not normal nor is it acceptable. Your attention to this matter is greatly appreciative. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISIONor https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any Items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX U XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$1700.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$170.00}, XXXX XXXX XXXX Balance : {$890.00}, XXXX XXXX XXXX Balance : {$9200.00}, XXXX XXXX XXXX : {$960.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$870.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just moved to XXXX and joined as a roommate in an apartment. The existing person was moving out of the city, so I took over the flat. He asked me if I would like to take over the existing the XXXX internet account. I just said him to please check for the information about transferring the account. The next day he told me that he was able to talk to the customer care and the account was transferred smoothly. Same day in the evening I got notification in the XXXX XXXX that there was a hard inquiry from XXXX. The next day I got one more hard inquiry from them. I called and asked them, how they can run a hard check with out my consent and from where did they obtain the SSN? They did n't answered properly. I asked them to immediately disconnect the services ( as they are not fair to me ) and remove the hard checks. They said it will be removed in a week, but till now the issue is not solved! Every time I call and explain the problem, they simply push me to other departments and I end up wasting my whole day on this. Finally I called the XXXX XXXX integrity department and after a long complaint, they suggested me to write a letter with all the details and gave me an address and a fax number. When ever I am trying to fax them all I get is " No Answer ''. - XXXX is not having any integrity - They do not care to step out and solve an issue - If they do n't know, they simply push to other department and wash their hands - In my case, they are not supposed to process the request with out talking to me - They can not access my SSN and do a hard check without my consent - When I called them and reported them the issue, they had the opportunity to correct their procedure and system - They are simply running away from their responsibilities - When you can not protect the confidentiality of an individual, do n't take their SSN and do hard checks Please find the attachment of the account confirmation email from XXXX and the XXXX report of hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer as defined under the FCRA. XXXX XXXX, Transunion, XXXX, and XXXX are financial institutions as defined under 15 USC 6827. None of these companies ever provided me with the adequate disclosures required by law of my rights to privacy and to opt out of sharing my non public information ( Non public information is .Any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; C any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or C any information you get about an individual in connection with providing a -5- financial product or service ( for example, information from court records or from a consumer report ). It is their duty to give me these disclosures clearly and conspicuously in accordance with federal law. In the case FTC v Transunion LLC further proves the above entities are financial institutions and are to comply with the disclosure requirements under XXXX. The case further stated ; The GLBA restricts the ability of a " financial institution '' to disclose XXXX to a nonaffiliated third party by requiring ( subject to certain exceptions not pertinent here ) that the financial institution provide the consumer with notice of the institution 's disclosure policies and the opportunity for the consumer to " opt out '' of disclosure. Id. 6802 ( a ) - ( b ), ( XXXX ). The XXXX further mandates that an unaffiliated third party recipient of XXXX " shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. '' Id. 6802 ( c ). 
AS STATED BEFORE I HAVE NEVER RECEIVED THESE DISCLOSURES OF MY RIGHTS TO PRIVACY AND TO OPT OUT. THESE COMPANIES ARE EXTORTING AND COERCING COMSUMERS TO PAY ALLEGED DEBTS AND HARMING THEIR REPUTATION. 
Lastly, I spoke to several reps at TransUnion today who claim they do not have to comply with that law, and for me to contact XXXX to get the information removed. When I called XXXX they told me to call the CRA to get it removed because they can not. They are all in cahoots to deceive consumers as they have been doing for decades. 

See the attached cease and desist to remove my information. Immediately upon receipt.
Product: Debt collection

THIS FRAUDULENTS ACCOUNT CAUSES MY XXXX AND XXXX. I WANT TO RID THIS OFF TO MY CREDIT REPORT IMMEDIATELY!
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 Trafficking-Debt 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 Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX XXXX XXXX Balance : {$920.00}
Product: Vehicle loan or lease

I purchased the vehicle in XX/XX/2021 and have not received my tag as of this date..I have had constant contact with the company who told me not to pay the payment, as they themselves did not have the title to the vehicle. I still continued to contact this company, to no avail. Now in XXXX, I start getting collection calls after I was told not to pay and my constant phone calls telling them I need my tag. I get pulled over every time I drive just about. Someone was supposed to call and I still get collection calls but no-one calls about the tag. This company received the tag in XXXX amd that us when these collection calls began. Now they try to tell me that I know I owe money, that I should just pay the payment and go get a new tag. This upsets me completely, as I did not pay because I was informed not to. I also checked my online account, in which never had a payment due. I informed them that they need to correct their error, reporting to the credit bureau that I am late, send me my tags that I paid for and We will get the car taken care of. I just want out of this situation as it is causing more stress than I care to deal with. I can't trade the car because of them reporting to the credit bureau, I ca n't drive the car because of them but I can't get anywhere. I just keep getting collection calls with no resolve. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

They listed XXXX previous addresses with incorrect dates for all of them. They also did not include XXXX previous addresses. They listed my education as diploma when it was in fact an XXXX XXXX. They showed a charge on my criminal history that was dropped as a conviction.
Product: Credit reporting or other personal consumer reports

AMSHER COLLECTION SERV Account XXXX XXXX XXXX I have tried to resolve these issues with the company above that I have no sign contract with that submitting alert on my credit report after so many attempts, they never comply. I would like the CFPB to notify my complaint against this company to remove the negative account on my credit report as soon as possible.
Product: Credit card or prepaid card

I have credit cards with XXXX, XXXX, XXXX and XXXX. The practices of Capital One stand out as deceitful and are designed to make money off of the consumer by charging unfair late fees, interest charges and applying payments to go against accounts that have a lower interest rate or no interest rate rather than against accounts with a higher interest rate and are coming due sooner. 

For my business account I caught Capital One applying a majority of my monthly payment to my 0.00 % reduced rate promotional balance that was due XX/XX/2023 rather than to my 6 months same as cash promotional balance expiring XX/XX/2023 with an interest rate of 29.74 %. The other credit card companies do not do this! They apply your payment to your first account that is coming due the soonest. Thank goodness I caught this because if I did not, I would have had to pay all of those accrued interest charges. Furthermore Capital One does not allow you to allocate how much of your payment you want allocated to each account online. I had to take time out of my busy day to call Capital One every month to tell them how to apply my payments to my accounts because again, they were applying a majority of my payment each month to the account that wasn't due until XX/XX/2023 with a 0.00 % interest rate instead of applying a majority of my payment to the account coming due XX/XX/2023 with a 29.74 % interest rate. 

For my personal account with Capital One I was charged a {$29.00} late fee and {$17.00} on my XX/XX/2023 statement for being 2 days late in paying my statement balance that was due XX/XX/2023. Capital One received my payment on XX/XX/2023. Other credit card companies and banks allow up to 15 days for a grace period before they charge a late fee. I made my next payment ( in full and on time ) to Capital One on XX/XX/2023 that included paying the {$29.00} and {$17.00} in fees. As if the {$29.00} late fee and {$17.00} interest charges weren't enough, Capital One assessed me another {$11.00} in interest charges on my XX/XX/2023 statement to further penalize me. The representative told me that it is Capital One 's practice to charge interest charges for 2 months straight as a penalty for being late even though I paid off my entire balance the month before. This is egregious. I've been late two months in a row with other credit card companies ( XXXX, XXXX ) and have had no problem getting my fees waived.
Product: Mortgage

Signature Bank holds my Mortgage Loan. Today I Refinanced it and their Loan is being paid off by the new Lender. However there seem to be a lot of discrepancies between what is shown on their web site and the Pay Off Letter they sent to the new Lender. For your ready reference both the documents are attached to this.

On their web site they show that the Unpaid Principal Balance is {$160000.00} and in their Escrow they show that they have a Credit Balance of {$380.00} in my favor. However in the attached Pay off they are showing that I owe them a total of {$160000.00}.

Including the Escrow Balance of {$380.00} in my favor, there is a difference of {$2700.00}, they owe to me minus the 10 Days interest at a per diem rate of {$21.00}, which amounts to {$210.00}.

So they owe me a net figure of {$2500.00} to me.
Product: Checking or savings account

My aunts account has been blocked because someone stated that she had passed. I am the power of attorney on this account and I was not the one that made the statement I have given the bank copies of documents that state that she is still alive and showed the power of attorney documents and the bank will not reopen her account. At this point I have made visit to the location on XXXX, XX/XX/XXXX and many calls that have not been returned. The bank Assistant Vice President assured me that she would call me on Monday XX/XX/XXXX and have this problem corrected. I can not get them to call me back. The location of this bank is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. They are asking for my Aunt to call them to verify that she is alive, but they do not what a third party on the line. She is XXXX XXXX XXXX and may not be able to answer the questions. She can tell them her name and age, but I am not sure that she could tell them her account number. She is not able to go to the bank because she can not walk. She is a full time patient of the Rehab facility. I can't understand how some one could call the bank and state that she has passed without documentation, but I can't get them to take the block of her account with the Power of Attorney documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my XXXX credit report on XXXX/XXXX/XXXX I found two tradeline errors from Synchrony back for two accounts whichare not my account, I am unaware of account numbers nor did I authorize the opening of any accounts with this bank. On XXXX/XXXX/XXXX I wrote a letter to the bank and mailed it certified mail. It was received by the bank on XXXX/XXXX/XXXX. The first response from the bank was dated XXXX/XXXX/XXXX and did not provide any rational for why the investigation determined the account ( only one of the accounts not both ) was mine, it was a generalized letter that only confirmed that my address was different than the address listed on the account. I sent a follow up letter explaining this was a non response and noted the letter admitted that information on the account did not match the information I had provided. 

On XXXX/XXXX/XXXX I received a second response dated XXXX/XXXX/XXXX and stated they had no knowledge of an account and asked for information, which I had provided in the original letter to the bank. I replied to the bank on XXXX/XXXX/XXXX explaining the incorrect tradeline error and outlining my communications to date including the errors noted on the banks form letter responses and providing all the information requested in the second response letter to include copies of the credit report showing the error which was included in my original letters. 

On XXXX/XXXX/XXXX I received the same original form letter with no acknowledgment of the detailed information I had provided or the required written justification for why their investigation concluded that the tradeline were accurate. Furthermore, one of the accounts listed an open date on my credit report which was in XXXX which would mean this bank opened an account for an XXXX XXXX XXXX if you assume their investigation concluded the tradeline was correct. 

I provided sufficient information to the bank in all of my communications ( all via certified mail ) to identify the inaccurate accounts and make the required tradeline corrections with the reporting agencies. To date all communications from the bank have not meet the requirements to investigate and provide correction or written justification in compliance with the law. I have copies of all communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX TRANSUNION XXXX. XXXX XXXX  XXXX, PA XXXX 1. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine U S DEPT OF ED/XXXX Account Number : XXXX Please remove it from my credit report 4. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 5. The following account is not mine U S DEPT OF ED/XXXX Account Number : XXXX Please remove it from my credit report 6. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 7. The following account is not mine U S DEPT OF ED/XXXX Account Number : XXXX Please remove it from my credit report 8. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 9. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 10. The following account is not mine U S DEPT OF ED/XXXX Account Number : XXXX Please remove it from my credit report I filed a dispute regarding my credit report. It has been well over thirty days. I still have not heard the results of their investigation.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous attempts to address the fraudulent items on my credit file. Despite our prior correspondence and my persistent efforts, it seems that the fraudulent items have not yet been removed. 

As I have emphasized before, the presence of these fraudulent entries on my credit file is causing significant distress and negatively impacting my financial standing. It is crucial that we take immediate action to rectify this situation and restore the accuracy and integrity of my credit report. 

I kindly request that you escalate this matter and undertake all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$350.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, CA XXXX.