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

I am writing to file a formal complaint against Transunion for their failure to properly address my dispute regarding inaccuracies on my credit report. 
On XX/XX/2024, I sent a dispute letter to Transunion via USPS certified mail, tracking number XXXX. In this letter, I outlined all inaccurate items and incorrect personal information appearing on my credit report. To facilitate Transunions verification of my identity and address, I included copies of my photo ID, Social Security card, and a recent bill reflecting my current address. 
According to USPS tracking, my dispute letter was delivered to Transunion on XX/XX/2024. Despite my clear and detailed request, I have not received any response or investigation results from Transunion. The 30-day response period required under the Fair Credit Reporting Act ( FCRA ) has now passed without any communication or action from Transunion. 
The FCRA explicitly mandates that if a consumer disputes the completeness or accuracy of any information in their credit file, the credit bureau must conduct a reasonable reinvestigation to determine the validity of the disputed information. Transunions lack of response indicates a violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me.
Product: Credit card or prepaid card

I have an ongoing case with Citi Bank. The case ID is XXXX. Based on the information obtained from Citi Bank, the fraudulent charge went through with the wrong CVV number, which was indicated on my attached materials on page three. The scammer used the wrong CVV information but still was able to compromise my card. 
However, Citi Bank refused to admit this was a fraudulent activity and stated that I am fully responsible for the fraud.
Product: Credit card or prepaid card

Citibank closed my accounts stating that I missed payments, I have my account since 2014 and was always on autopay, one time I changed bank institutions and one time the auto payment was rejected, I fixed that right away but they decided to close my account, my payment history has no missing payments since those years, I think they have an alternative motive to close customers accounts
Product: Debt collection

XXXX noticed a collection on my XXXX credit report from Transworld Systems ; stating I owed XXXX XXXX in XXXX GA {$1300.00}. I disputed the charge both with XXXX when site and Transworld Systems but as of yet no response and the collection is still on my credit report. I tried contacting XXXX which provided a rental history that states paid in full through end of XX/XX/year> ; but the company was sold to another XXXX XXXX who I contacted twice but no returned call. We left XXXX apts and paid in full on XX/XX/year>. Since that time we have not received any correspondence via email text phone or letter. So we had no idea they claim a balance due. I have sent a certified letter to XXXX XXXX but still no response.
Product: Student loan

On XX/XX/XXXX at XXXX, I sent a new email to Navient at advocate @ navient.com regarding a School Misconduct Application. My prior application was denied on XX/XX/XXXX, I was not provided an adequate reason for denial and filed a CFPB complaint. Navient did not provide an adequate reason for my denial, but did provide that I was in an appeal process. I noticed I was taken out of Forbearance on my student loans. I was not provided information if my " appeal '' was denied. In addition, I requested on XX/XX/XXXX via email information including " why I was denied, if I can resubmit, if I can appeal '', and Navient has not responded to me.
Product: Debt collection

On XX/XX/XXXX I called the debt collector to dispute the amount owed and ask for debt validation. They agreed to do so, but still have not received any debt validation via phone, email, or mail as of XX/XX/XXXX. The debt collector decided to file a lawsuit against me, even without acknowledging request for validation of debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

They state I owe for services rendered, of Ambulance coming to see me, I never requested an ambulance be called, I have not been in distress for a said ambulance to be dispatched, I never signed any authorization for services
Product: Student loan

Called EdFinancial on XX/XX/2022 to request a refund of payments made during the COVID-19 deferment period. I was told the request was entered. I had not received any verification or notification that the request was completed, so I called back on XX/XX/2022. On this second call I requested a status update and was told it was entered but not processed. I asked if there was an expected timeline that I could expect and was told that due to the workload, that they are unable to provide me with any period of time that I would be able to anticipate the refund being processed.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX NUMBER XXXX XXXX XXXX XXXX XXXX, NUMBER Account : XXXXXXXX XXXX XXXX  : NUMBER Account XXXX XXXX XXXX XXXX  : NUMBER Account : XXXXXXXX XXXX XXXX : NUMBER Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found four items on the report that are inaccurate and the account in question is ... ... 
Please advise why that in the year of 2015 why this account was reported as 30 days past due from XXXX XXXX for four consecutive months? Also, if you reported that payments were late four times how is the payment history of 92 % accurate. Please see my calculations.35 payments- 4 late payments=31/35=88 % Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified using the E-Oscar system but send me copies of the documents that you have in your files that were used to verify this information. 
If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete the negative payment remarks immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed above within 30 days of receipt of this letter then you must remove the negative information from my credit report and at this time I am requesting that all NEGATIVE PAYMENTS BE REMEOVED FROM THE TRADE LINE. I REPEAT AGAIN, DO NOT REMOVE THE TRADELINE ONLY THE NEGATIVE REMARKS! In addition, please provide me with a copy of an updated and corrected credit report showing these items removed with an updated payment on time percentage changed to 100 %.
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 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 XXXX5 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 reporting or other personal consumer reports

I sent out letters to Transunion XX/XX/2024 and XX/XX/2024 and no response I called in XX/XX/2024 I spoke with XXXX from XXXX XXXXXXXX to update personal info because it was also being reported in correctly i was then transferred to XXXX XXXX he was very rude, over talked and denied my 30 day investigation that I requested. he stated I would have to speak with a supervisor or get a call back. Prior to this call I called Transunion on XX/XX/2024 and spoke to supervisor XXXX around XXXXXXXX XXXX CST he stated he was in the special handling department. file # XXXX still have no heard anything back. i Sent out letters with copies of identifications, and proof of residency
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXX/XX/XXXX They violated my rights by including inquiries, late payments, charge-offs, write-offs and collections. They violated my right to privacy and they stole my identity.

15 U.S.C 1681c ( a ) ( 4 ) 15 U.S.C 1681c ( a ) ( 5 ) 15 U.S.C 1681a ( 2 ) ( b ) 15 U.S.C 1681a ( 2 ) ( i ) 15 U.S.C 1681 ( a ) ( 4 ) 15 U.S.C 1681b ( a ) ( 2 )
Product: Checking or savings account

My name is XXXX XXXX XXXX. On XX/XX/2022, when I was working in the office in XXXX, XXXX around XXXX, I tried to call my son, however, the phone lost connection, I can't make any phone calls nor text messages. After work around XXXX, I went to XXXX store to fix my phone. The representative in XXXX said someone used your fake ID to take my phone line. After my phone got fixed, I called TD Bank immediately ( around XXXX ) about my banking accounts. At that time I found out I lost all my money and the bank specialist transferred my call to fraud department within the bank. They said there were three withdraws, {$9000.00}, {$5000.00} & {$8500.00} from my account XXXX on XXXX XXXX, 2022, two of them in XXXX, XXXX XXXX  and one in another location in XXXX XXXX On XXXX XXXX one withdraw {$4000.00} from my account XXXX in XXXX XXXX XXXX XXXX XXXX all of those withdraws without my authorization. I filed the affidavit report on the next day at TD bank located in XXXX XXXX XXXX, XXXX XXXX. XX/XX/2022. I was working in XXXX XXXX not in XXXX XXXX nor XXXX XXXX on those days. I did not authorize those cash withdraws. On XX/XX/XXXX, I found out someone used my identity to open a credit card in XXXX XXXX, located in XXXX XXXX XXXX, XXXX, XXXX, XXXX  XXXX, which I never authorized. I was in XXXX working in the whole time, did not go to those places. 
At the same day of XXXX, I call all credit bureaus to freeze my accounts, credit bureau included XXXX, XXXX and XXXX. 

I filed a police report on XX/XX/2022.
Product: Credit card or prepaid card

Comenity Bank opened an account in my name without authorization. 

They ran my credit, and then reported a new account being opened. 

They refuse to answer my questions online, and apparently are running up a balance in my name, in spite of my never applying for a card. 

I never gave them an address to send a bill, I never gave them a phone number, and I have no way of contacting them online other than through the account I was an additional card holder on, ie. my wife 's account.
Product: Debt collection

Hi, Received notice from Wakefield and Associates LLC that they are looking to collect debt from me from XXXX XXXX XXXX in the amount of {$52.00}. I do not know what this debt is for and need information provided about what it is for. I always use XXXX to pay off XXXX debt. All of my payments for XXXX are through there. I have contacted XXXX and they do not know of this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX  ( Bank ) XXXX XXXX ( Finance ) XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$0.00} Closed In accordance with the Fair Credit Reporting act 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX 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 -Untitled XXXX XXXX Subject has not satisfied debt. XXXX 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 an account without my written instructions.
Product: Checking or savings account

Chime checking account was supposed automatically transfer {$83.00} to finance account but there was a error with the system file dispute and file again they own me and my mother money from 2022 and last year {$820.00}
Product: Payday loan, title loan, or personal loan

I went to pay off the entire balance of {$780.00} on XX/XX/18. The payment due date was on XX/XX/18. I was assessed a late fee, but what caught my attention was a finance charge of {$16.00}. According to my monthly statement, of which the closing date was XX/XX/18, my previous balance was {$610.00}. The interest on this card is 26.99 %. The " balance subject to interest '' amount was {$720.00}. I XXXX at math so I can't figure out how that interest rate was assessed nor how that particular " daily balance '' was calculated. When I inquired and asked for a written mathematical explanation of this I was told the same thing every time. The only way to avoid a finance charge is to pay the balance by the due date. I paid over my balance so I could pay off the entire card after the payment due date but before the statement closing date. 
Like I said, I XXXX at math, but these numbers just don't add up for me so to speak. I don't like questionable charges. So I'm hoping you will get a straight answer or can provide one for me that explains where the numbers come from and how it all adds up, from why the payment due date is different from the statement closing date, ( which is an after thought ), and with a mathematical explanation, exactly how the " daily balance '' is calculated in concerning assessed interest. 
I have attached numerous files, for reference but also in the event you find something I missed in terms of questionable charges. The unnumbered XXXX pdf and the questionable finance charge are the two related specifically to this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to address a critical matter regarding the discharge of a debt associated with an account held with BANK OF AMERICA. On XX/XX/2024, the Internal Revenue Service issued a processed and accepted 1099-C, signifying the proper discharge of said debt. Documentation confirming this discharge has been received by BANK OF AMERICA via USPS, following immediate processing and approval of the XXXX 

Given the legal acknowledgment of this debt discharge, it is imperative that BANK OF AMERICA takes immediate action to update the account status on all relevant credit reporting agencies. The current reflection of " charged off '' status is not only inaccurate but also damaging to my creditworthiness. 

I hereby demand that BANK OF AMERICA promptly rectify this situation by updating the account status to " PAID AS AGREED '' within a maximum period of 14 days from the date of this letter. Failure to comply with this demand will leave me with no choice but to escalate this matter further, potentially involving regulatory authorities. 

Please be advised that any further delay or negligence in addressing this issue will not be tolerated. I expect swift action and resolution from BANK OF AMERICA to ensure compliance with legal obligations and the preservation of my financial standing.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear UN COLL TOL, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX XXXX Missouri identity theft and fraud laws.

It has unequivocally come to my attention that UN COLL TOL has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, XXXX XXXX Missouri state law emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft laws underscore the severity of unauthorized access and misuse of personal information, highlighting the importance of protecting consumer rights and ensuring fair credit reporting practices.

I assert with unwavering certainty that I have not provided consent for UN COLL TOL to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that UN COLL TOL immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX XXXX Missouri identity theft and fraud laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that UN COLL TOL will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith. 

Sincerely, XXXX XXXX
Product: Credit card

JPMB J.P Morgan hard inquiry was opened on my account XX/XX/2023 without my consent. I want this hard inquiry removed because I did not request or consent to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX 2.US Small Business admin oda XX/XX/XXXX XXXX. Sofi Lending XX/XX/XXXX I checked my personal credit report, and I noticed an unauthorized inquiry had been made. I contacted XXXX, and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business