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

To Whom It May Concern, If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice before my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly about the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. Upon reviewing my consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Collections that are being challenged : XXXX XXXX XXXX - XXXX My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX  - XXXX My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX and XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing from TransUnion. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting or other personal consumer reports

I do not recognize XXXX inquiry on XX/XX/24 and I request for these to be removed. I have already reached out to the bureau to request for them to be removed but have not been. below is going to be attached an identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent Discover credit card on my credit report. I have recently had my personal bank accounts levied with a court ordered judgment by a third party receiver, XXXXXXXX XXXX XXXX attorney at law. My accounts have been wiped out to pay for this fraud. The documents provided to me indicate from XXXX  as to which I was never served these documents of law suit. I am currently at my wits end not knowing what to do to get this resolved.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/2023
Product: Debt collection

I am filing this complaint against XXXX and Caine & Weiner for unfair and deceptive debt collection practices. 
XXXX sent my debt to collections ( Caine & Weiner ) while still attempting to charge my bank account. 
I never received a written debt collection notice at my old or new address. If They may have emailed me, but I lost access to that email over a year ago. 
On XX/XX/year> XXXX attempted to charge my bank account 9+ times in one day, and one charge went through. 
Caine & Weiner has contacted me multiple times regarding the same debt, yet XXXX is still trying to collect from me directly. 
This violates the Fair Debt Collection Practices Act ( FDCPA ) and consumer protection laws. 

I am requesting that CFPB investigate these unfair practices and stop any further collection activity against me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
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: Money transfer, virtual currency, or money service

Im trying to link my PNC checking acct with XXXX XXXX. I was able to successfully my XXXX XXXX acct fine but it says there is an internal error when adding PNC. XXXX uses XXXX to verify accounts.
Product: Checking or savings account

less than a year ago, needed credit card advance that my bank couldnt accommodate due to a chip card. They reccommended XXXX up the street. Went in, told you have to be a customer. Opened an account with {$100.00} and did my advance. Specifically asked about fees, told to my face there was no fee on this account. Whether put in wrong account or told incorrect information I had {$11.00} a month fee taken out. Forgot about account really, opened a letter dated XX/XX/2018 saying I need to address this or be reported to credit bureau. The entire account was drawn down by a monthly fee, then overdrafted. Now they want to report to a credit bureau? Call a branch I get a run around that really frustrates. A fee is generated out of air, I want my original deposit back and rid myself of XXXX altogether. By the way, being a customer by opening an account for {$100.00} when I advanced {$2000.00} never made sense, I mentioned this up front.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiry completely from my Credit Reports : XXXX XXXX XXXX XXXX Experian
Product: Credit reporting or other personal consumer reports

This is another request to dispute particular data in my credit file that do not belong to me, or that I have signed any agreement. The items I'm disputing have nothing to do with any transactions I've conducted or authorized in order to obtain goods, services, or money. Please remove the items listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

The PSLF policy was changed on XXXX XXXX XXXX I applied for PSLF on XX/XX/XXXX. Per the Federal Student Aid website, If you made more than 120 payments on an existing XXXX, you will get a refund for extra qualifying payments you made. I have continued work for a PSLF qualifying employer since XXXX & have made monthly payments on my XXXX since XXXX, putting my number of qualifying PSLF payments well over 120. On XX/XX/XXXX I was informed that my loans were being transferred from my current loan servicer, MOHELA, to XXXX, the PSLF loan servicer at that time. My payment history w/ XXXX was only from XXXX to the present ; XXXX was missing ( loan servicer XXXX was XXXX ). I received notice from XXXX on XX/XX/XXXX that the remaining balance on my loans had been forgiven. In XX/XX/XXXX, I received a PLSF Refund check for {$4600.00}. This was much less than expected. As a result, on XX/XX/XXXX I began to try to investigate. Since then, I have spent countless hours on hold & being transferred from place to place. I have filed 2 complaints on the FSA website where I requested a detailed summary of my loan payment history & list of qualifying PSLF payments. There were many payments that were not counted/missing from XXXX. I complied a ~50 pg. packet of proof of payment & a letter of explanation & sent certified mail on XX/XX/XXXX. Since first applying, my loans have been transferred from MOHELA to XXXX ( previous PSLF loan servicer ) & back to MOHELA ( the current PSLF loan servicer ). It has been almost 1.5 yrs & I have been spinning my wheels trying to get fully reimbursed. There is little to no communication from any of the loan servicers mentioned above & I am extremely frustrated that I have spent countless hours on hold, being transferred from place to place, copying billing statements, etc. & there is still {$16000.00} that Im owed. I'm to the point of seeking legal counsel for help & it should not come to that. 
This month, I have also filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX, the Ohio Attorney General 's Office, and the Federal Trade Commission. To date, MOHELA responded to the XXXX stating that they would contact me directly, which they have falsely told me many times before. When I rejected their response the XXXX closed this complaint due to MOHELA making a " good faith effort '' even though there is no time frame provided for when they will reach out to me and it has been 1.5 years since first applying.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed negative accounts that were listed on my credit report with XXXX as well as the other bureaus since then there had been two disputes closed out without any information sent to me from XXXX regarding XXXX investigations, the information I submitted for removal has not been addressed and it has been way over 40 days and two full months that Ive been disputing with them.they have failed to remove the negative accounts that were not mines or associated with me and that are on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by Transunion, XXXX and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXXXXXX XXXX Ac. No : XXXX clearly suggest conflicting information of 1. HIgh Balance, 2.Last activity, 3. Date opened and 4.. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name TransUnion XXXX XXXX High Balance {$3500.00} XXXX {$3500.00} Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a real estate mortgage loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion   reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Product: Vehicle loan or lease

Company was notified before funding car that it was not working. Dealership would not take the car back on first day. Credit acceptance still funded the car regardless of not working. Company sold the car after repo from 30 days late. Never showed proof of sale minus balance. Charges accrued after sale each month and kept open after repo. No closed account or charge off. Reporting incorrect and fraud activity.
Product: Credit card

XXXX charge {$140.00} Amex acct XXXX XXXX Case # Amex XXXX I received a credit of {$98.00} for the above purchase of airline ticket I submitted 2 NOT FIT TO FLY certificates from doctor and hospital indicating medical reasons as to no travelling XX/XX/XXXX - mid XXXX due to ongoing XXXX XXXX  at hospital XXXX XXXXXXXX reimbursed me FULL $ refund under # XXXX booking XXXX XXXX XXXX This was one way going on XX/XX/XXXX I had a return ticket bought on American Express XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX for {$140.00} Why was I given partial refund of {$98.00} and not {$140.00} I wish to dispute the remaining {$47.00} charge and want a refund of this amount I do not know why inconsistency and as a travel platform they should be my advocate with airline for full refund
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX & XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I contacted Transunion after mailing letters to XXXX XXXX, XXXX XXXX XXXX and XXXX regarding inquiries on my credit report I did not authorize. After receiving no response I contacted Transuion who informed me to contact the creditors making these reports, as i stated above I had already. 

I still have these inquiries on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove inaccurate informationfrom report
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I was informed that multiple banks had accounts under my name located in XXXX XXXX XXXX XXXX XXXX ID was associated with massive fraud. XXXX XXXX XXXX XXXX has violated FCRA 681.1 Duties regarding the detection, prevention, and mitigation of identity theft.

Unknown email address associated with account. I had no access to the accounts but my name was associated with it along with state Identification. 
I informed XXXX XXXX XXXX XXXX of someone having my information. They stated that the account was closed and it was not reporting against me. The account status is closed with negative balance and reported under my XXXX and XXXX XXXX Account does not have my social security number.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the grace period : My payment for XX/XX/XXXX was made on time, which falls within the grace period set by XXXX XXXXXXXX Therefore, the account should not have been reported as 30 days late. 
Bank error resulting in delay : The payment was delayed due to an error in my bank 's processing system. I provided evidence that I initiated the payment on time, but it was not processed correctly by the bank, causing the late reporting. This error was beyond my control. 
Evidence provided : I have attached bank statements and payment confirmations showing that I initiated the payment before the due date. This documentation clearly demonstrates that the delay was due to a technical issue with the bank, not my negligence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I am filing this complaint because my credit reports show an unauthorized inquiry and inaccurate personal information that I did not initiate or approve. Despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation. 

I have previously disputed several accounts on my credit reports with TransUnion, XXXX, and XXXX, but to no avail. The credit bureaus have failed to address the inaccurate accounts and the erroneous public record that they continue to report. I have attached all relevant dispute letters to this complaint for your reference.
Product: Credit reporting or other personal consumer reports

Equifax Compliance Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Follow-Up on Security Freeze, Opt-Out Request, and Data Protection Assurance Dear Equifax Compliance Team , This correspondence serves as a formal follow-up regarding my prior request to place a security freeze on my credit profile and opt-out of the release of any personal, financial, or debt-related information. I appreciate your acknowledgment of my earlier communications and am writing to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ) are being upheld. 
My Request 1. Security Freeze : I request that a security freeze be implemented on my credit profile to prevent unauthorized access or sharing of my information.

2. Opt-Out of Information Sharing : I do not consent to the release, disclosure, or sharing of any personal or debt-related information to credit bureaus, reporting agencies, or third parties without my explicit permission.

3. Compliance with Federal Regulations : I request written confirmation that your organization is fully compliant with federal regulations and is taking all necessary steps to uphold my rights as a consumer under the FCRA and other applicable laws.

Documentation Provided For your review, I have enclosed the following documents to verify my identity : A copy of my driver license A recent utility bill for address verification Declaration I declare, under penalty of law, that the information provided in this correspondence and all attached documentation is true and accurate to the best of my knowledge.

Next Steps I kindly request written confirmation of the following : That the requested security freeze has been placed on my credit profile.

That my opt-out request has been processed and my information is no longer being disclosed.

That your organization is fully compliant with all applicable federal laws and CFPB guidelines regarding the handling of consumer data.

Additionally, I require assurance that Equifax has taken sufficient measures to ensure the protection of my data. This includes confirming that incidents like the XXXX  data breach, which exposed sensitive personal information of millions of consumers, will not recur. 

Response Timeline Please provide confirmation of these actions within 30 days of receipt of this correspondence. Should you require additional information or clarification, do not hesitate to contact me directly at XXXX or via email at XXXX. 
Thank you for your attention to this matter. I look forward to your prompt response and assurance that my requests have been handled appropriately. 
Sincerely, XXXX XXXX