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

On XX/XX/2019, XX/XX/2019 and XX/XX/2019, I sent certified letters to TransUnion ( copies with proof of delivery attached ) requesting the removal of XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, which are debt collectors, not creditors. I have never received any credit from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. To date, TransUnion continues to report these accounts without conducting a reasonable investigation and providing proof of the debt to me. I requested proof of the debt from TransUnion according to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I have not received validation of any of these accounts. I don't know how TransUnion can continue to report a collection trade line without evidence of the debt. TransUnion 's actions are hindering me from obtaining a mortgage to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, experian, and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.
Product: Credit reporting or other personal consumer reports

These credit bureaus are not responding to my dispute requests at all. The below letters have been sent on the below dates with NO RESPONSE! This is against the FCRA consumer law. 

XX/XX/scrub>XXXX XXXX XXXX- NO RESPONSE FROM ANYONE I want the below accounts removed/deleted from my credit report. As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. 

XXXX ) XXXX XXXXXXXX XXXXPlease provide detailed documentation showing the steps taken to verify the accuracy of this account. 
XXXX ) XXXX XXXX XXXXPlease provide detailed documentation showing the steps taken to verify the accuracy of this account. 
XXXX ) XXXX XXXXXXXX XXXX XXXXPlease provide detailed documentation showing the steps taken to verify the accuracy of this account. 
XXXX ) XXXX XXXX XXXXPlease provide detailed documentation showing the steps taken to verify the accuracy of this account. 
XXXX ) XXXX- XXXX-Please provide detailed documentation showing the steps taken to verify the accuracy of this account.
Product: Credit card or prepaid card

I currently have two credit cards with Chase bank that both have an annual fee. I recently applied to have Military Lending Act benefits applied to these accounts starting on XXXX XXXX, XXXX since this was the compliance date for eligible credit card accounts. Both these accounts were opened in XXXX and I started my enlistment in the military in XXXX. I am currently still XXXX XXXX without a break in service so I know Service Members Civil Relief Act does not apply. 

I reached out to Chase via secure messaging and they responded that my accounts did not qualify for Military Lending Act benefits because they did not originate on or after XXXX XXXX, XXXX. My response was to question this date because it is not outlined in the guidance that I found online via the FDIC website and the Comptrollers Compliance handbook. Additionally, I specifically asked where the federal guidance stated that credit cards had to be opened after the compliance date of XXXX XXXX, XXXX. 

The way I read the guidance a credit card is eligible for Military Lending Act benefits if it was opened after the service member joined the military. The bank was not required to evaluate and apply these benefits to these credit cards in regards to interest and annual fees until XXXX XXXX, XXXX. I explained this several times to Chase via secure messaging and to a military account specialist via telephone. Their response was that their lawyers had looked into it and that they were in compliance. They also said they have no control over applying these benefits to my account, that the account is evaluated for them when it is opened. I said I am asking for the benefits now since I was not aware that my account was eligible until now and that they would have never looked at these accounts for eligibility because they were opened before credit card accounts we added to the Military Lending Act. They simply responded by saying this only happens if I opened them after XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX Account # XXXX This account is closed but it is still showing a XXXX, XXXX and XXXX on my Experian and XXXX reports. 

XXXX XXXX XXXXXXXX Account # XXXX This account is closed but is still showing a 30 day late on my Experian, XXXX and XXXX reports. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, is reporting three different total amounts owed, which is inconsistent and damaging to my credit profile. This discrepancy is negatively affecting my livelihood and ability to secure financial opportunities.They reported to XXXX that the total balance owed is {$33000.00}. XXXX XXXX reported to XXXX and Transunion that the total owed is {$33000.00}. XXXX XXXX reported to XXXX that there are 3 late payments. XXXX XXXX  reported to XXXX that there are 5 late payments. XXXX XXXX reported that there are 4 late payments to Transunion. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report ( 15 U.S.C. 1681e ( b ) ). This error violates my rights under this law. Additionally, creditors must provide accurate updates to credit bureaus under 15 U.S.C. 1681s-2 ( a ) .This error has caused undue hardship by lowering my credit score and impeding my ability to access necessary resources.
Product: Student loan

I can not afford the monthly payments as a XXXX mother of XXXX so I keep deferring these loans.They have more than doubled with the interest.I now owe almost XXXX instead of the XXXX originally borrowed
Product: Payday loan, title loan, or personal loan

I originally filed a complaint in XX/XX/XXXX with the bank that I was told was responsible for paypalcredit.com credit purchases. In XX/XX/XXXX, that bank finally told me that it was not them and I was referred to XXXX XXXX XXXX XXXX XXXX, MD. My complaint regarded the charges by XXXX XXXX XXXX ( XXXX ) of XXXX, CO who did not deliver services as promised in my job search. All XXXX did was prepare a mediocre resume ( as advised by 2 HR departments and 2 other placement agencies ) and tell me to contact my former coworkers. I filled a complaint with XXXX XXXX XXXX dba paypalcredit.com on XX/XX/XXXX and have yet to have a response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I open a dispute with XXXX and TransUnion mid XXXX requesting that the inaccurate, closed and inquires reporting on my consumer credit report be validation and verify by original consumer contract bearing my signature in wet ink. On XX/XX/2022 I received an alert that my dispute result ready. I received no alerts or documentation from TransUnion. XXXX and TransUnion has failed to provide me with any items that has requested and is still reporting these closed, inquires and inaccurate on my consumer credit report. As a consumer reporting agency 15 U.S.C 1681 a ( f ) XXXX and TransUnion is governed by the Fair Credit Reporting Act ( ''FCRA '' ), 15 U.S.C et seq. , which protects consumer from inaccurate, outdated or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer file is accurate and free from errors. XXXX and TransUnion is just allowing items to be placed only consumer credit report without validation or verification that these closed, inaccurate and inquires are indeed correct. XXXX XXXX TransUnion is in violation of 15 U.S.C 1692e 15 U.S.C 1681b 15 U.S.C 1692d 15 U.S.C 6803 15 U.S.C 1692g I have also filed a complaint previous complaints XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles dispute resolution process, especially in light of the recent CFPB lawsuit exposing significant platform issues. Despite repeatedly using Zelle and reporting discrepancies, neither Zelle nor my bank properly investigated my claims. I was told that recovering lost funds or tracking these transactions was impossible. The CFPBs findings reveal Zelles failure to protect consumers and its allowance of repeat offenders to exploit the system. This lack of accountability and transparency is deeply troubling and raises serious concerns about user safety.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX NJ XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : 1. XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Credit card

I made an overpayment on my credit card. While trying to have it refunded, they charged me interest on it. I am also being charged interest on the principal as it was a balance while they hold it, as it was a balance transfer from a different credit card company.
Product: Credit card or prepaid card

I was charged on XX/XX/XXXX  for a purchase that I did not make at XXXX in XXXX, Connecticut. I called the credit card company to file a dispute, they sent me a letter asking me to write a letter and send proof to them that I did not make this charge. I was dealing with Comenity Bank which handles XXXX XXXX. They never responded to me after I sent the letter and proof. I called them and was told by customer service that my letter was received on XX/XX/. I again waited for a response, I never got a response. I called again on XX/XX/XXXX  and again the dispute was not resolved. I called again on XX/XX/XXXX  and I was told that the case was closed. I have never received any response from Comenity Bank. I provided them with proof from the manager at XXXX XXXX that it was not me who made that charge.
Product: Credit reporting

i have been trying for weeks to find out my credit scores. at every website, I fill in the requested information, only to get a popup which states that my informationdoes not match credit bureau records. 

and there it ends. I can not even find out what the discrepancies in the infor-mation are, much less how to resolve them. 

I ca n't even find out if there is a physical location in my town where I could takemy actual information for comparative purposes.
Product: Debt collection

Someone keeps calling my office and trying to collect a debt that I know nothing about. They call all the time. Their number is Navient XXXX
Product: Consumer Loan

There is an error on my credit report from Toyota Financial for a vehicle. I have asked the credit bureaus to remove it several time and they will not. They are saying that I co-signed/co-purchased a vehicle. The only problem with that is those are n't my signatures, I did n't co-sign for anything and I was not employed at that time. I asked the company to send me proof of my signatures, they sent me the documents with signatures that are not mine. In addition, information provided on the application was inaccurate, they did n't provide me with copies of my social security card or driver 's license. When buying a car this is what is requested. Seem like to me they just let someone use my information to co-buy/sign. I have written letters, disputed this several times on line, and I have even pled and explained how the signatures are n't mine as well as give proof to how the information that was provided on the application was incorrect. I would like to file a complaint against Toyota Financial and XXXX XXXX for this inquiry because I ca n't get another car loan for a loan that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still presenting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$95.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} Medical XXXX Balance : {$680.00}
Product: Credit card

In XX/XX/year> we purchased hardwood flooring for new home construction from XXXX XXXX in XXXX XXXX, NH. At the time of purchase, the store associate offered a 0 % financing offer with their branded XXXX XXXX credit card, offered in partnership with affinity credit card company Synchrony Bank.. Total purchase amount was {$17000.00}. At the time of ppruchase, delivery of product was scheduled for late XX/XX/year>, since our home construction had not yet started. Our flooring product was delivered to another XXXX XXXX retail location in XXXX, VT where it was beging held in their warehouse until our scheduled delivery in XX/XX/year>. 
In XX/XX/year> we were contacted by telephone by XXXX XXXX to be informed of their pending bankruptcy. We were told by XXXX XXXX that we must take delivery of the product prior to XX/XX/XXXX, and if we did not, our order would be cancelled. Our new home construction had just started, and therefore were unable to accept the requested early delivery. Consequently, our order was cancelled by XXXX XXXX on XX/XX/year>. At the time of this order cancellation, we were informed by XXXX XXXX that the refund amount would not be for the total purchase price, but instead we would receive a partial refund in the amount of {$3300.00} due to " rules associated with their bankruptcy proceedings ''. 
Beginning with initial purchase, we made regular monthly, on-time payments in accordance with our credit card agreement with Synchrony Bank XXXX The {$3300.00} partial refund was also applied to our Synchrony Bank account. The current outstanding refund balance due to us is {$14000.00}. 
Since this matter begin XX/XX/year>, I filed all required requests and documentation with XXXX XXXX bankruptcy agent ( Stretto ), and also filed a claim with Synchrony Bank. We have thorough documentation. 

To recap : We made payment in full at time of purchase in XX/XX/year> We did not receive any product Our order was cancelled by XXXX XXXX on XX/XX/year>. 
After order cancellation, our flooring product being held by XXXX XXXX was then sold during their liquidation sale. 
We have received no additional refund other than the {$3300.00} partial refund received when XXXX XXXX cancelled our order. 
We are owed {$14000.00}
Product: Money transfer, virtual currency, or money service

On the XXXX XXXX XXXX 2017 I created and verified an account with Coinbase. They verified my information and nationality without any problem. 
On the XX/XX/XXXXi received my purchased Bitcoin,  Ethereum and Litecoin in my account ( XXXX XXXX, XXXX ETH and XXXX LTC ). 

After a vacation in XXXX i found out my account was blocked i received a automated notification that i needed to prove my nationality and place of residence ( which is the XXXX ). There was no trading or accessing funds performed while on XXXX grounds. 

On XXXX XXXX 2017 i send all the requested information via secure link and got an confirmation email ( automated ). 
" Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' This notification seems to be send to all people with the same issue, afterwards no further communication or follow-up is provided. 
I have repeatedly send emails to customer support asking for follow-up or information on the status of my account, without any reply. 

It seems strange to me that a company is allowed to take your money and freeze it without any notification. Furthermore, there is no possible way to get in touch or receive any feedback on the status of my accounts.
Product: Credit reporting or other personal consumer reports

Re : Delinquency Notice / Civil Action Notice USPS TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX ( FACTS ) This notice is to inform you that you are well over 90 to 120 days late on this outstanding balance that you know you owe the consumer in the amount of such credit that should have been released on this account as well as the attached completed record officially signed off on by the Department of Veterans Affairs as well as your banking or financial policies in requesting any consumer to complete such Form 4506-C and VA Form XX/XX/219 XXXX. Policies and procedures and applicable laws, regulations, and statutes are critical, we have asked for your legal counsel of record direct contact information as it is required before addressing this in a court of law. We have been overly patient with you and to this date, you have not returned any outstanding debt that you owe and should be in your files or system. At this point, we have exhausted all our administrative responsibilities and remedies, and all Consumer Financial Protection Bureau notes and records will be used. You have shown unprofessional service and conduct by doing what you have done here which has triggered others to fall suit without your supportive records. Now turn over your legal counsel of record, name, address, and phone number through the Consumer Financial Protection Bureaus Portal so that I can have it with all your responses on this site. Sincerely, XXXX XXXX XXXX