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

I recently disputed some incorrect items on my credit report with Transunion, and they responded by saying that they are refusing the block the information I requested to be blocked because my identity theft report is not original. I don't know what that means, but I am seeking compensation for damages for nun compliance. The identity theft report submitted was directly from www.identitytheft.gov is is in fact original. Per 15 USC1681n ( a ) ( 1 ) ( A ) of the FCRA allows consumers to recover up to {$1000.00}. Their consent neglect to properly report my credit has been dramatically affect me and my family 's life, and it is time for them to be help accountable. I bank with XXXX bank, and and receive direct deposit with XXXX bank as well, and the bank bank keep denying me credit cards and much needed loans, because they are saying Transunion is telling them I have lots of hard inquiries and delinquent accounts which is false. Transunion is tarnishing my name and my identity for a reason I do not know. They are also reporting that I am 2 month late on my XXXX account which is false. I am currently up to date on that account and do not owe on it nor has that account ever been late. They hateful actions toward me has again been affecting me and my family. 

I am using these laws below to challenge their claims against me, and again I am demanding to be provided documents such as debt validation, timing of payment, proof of investigation ect... 

15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1666b - Timing of payments Also I noticed some incorrect personal information being reported on my credit which I am demanding to be correct immediately. 

My name is XXXX XXXX ( Q ) XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Phone number : XXXX any other information they have for me is incorrect and I am demanding an immediate correction.
Product: Credit reporting or other personal consumer reports

Experian is committing Fraud and XXXX XXXX, XXXX XXXX XXXX  is committing fraud.Experian is allowing closed account to be a part of a credit decision when the account is old and should be removed due to the charge off and company paid for profit and loss and did not supply a 1099-C to me. I applied for the XXXX XXXX XXXX XXXX XXXX which stated I have delinquent account none if my active open accounts are delinquent or past due. How can you determine my credit worthiness from a closed account charged off from XXXX? This is. a clear case of Fraud and a violation of the FCRA. XXXX XXXX XXXX has charged off the account and still updating in my credit file which is fraud. They got paid also through profit and loss but still are putting an open balance reporting on a closed account. I will turn this into a legal lawsuit against Experian and XXXX XXXX XXXX XXXX XXXX if this is not correct ASAP.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX - I applied for a XXXX XXXX  but did not complete the application process. I never received any money from NetCredit. I never had any further communication with XXXX No email, no phone, no XXXX mail. 

XX/XX/XXXX - I started receiving phone calls from XXXX XXXX XXXX who were trying to collect on the XXXX XXXX XXXX. I have repeatedly asked for proof of XXXX XXXX making a deposit into my bank account and not received it. 

XX/XX/XXXX - I have filed a Identity Theft Report through the FTC website XX/XX/XXXX - I have emailed XXXX XXXX XXXX and notified them that I am a victim of identity theft and to dispute the loan. 

XXXX XXXXXXXX : XXXX XXXX XXXX of Alabama XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Ph XXXX National Credit Adjusters information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Id theft and had some fraudulent accounts open. Ive managed to have all of them deleted with the exception of one a XXXX XXXX account. This account reported to all three Bureaus but one company refuses to remove despite the fact that I had the fraud alert on my report. I have sent them actual documents stating that I live in a whole different state.
Product: Debt collection

The charges being reported are inaccurate, deceptive and retaliatory. As witnessed in the lease I have never owned animals during my lease of the property. XXXX threatened to increase rent, as it was now month -to-month if I refused to remove an unfavorable XXXX review of the property. There was no damage done to the unit. There were, however ; issues with the unit caused by drilling of a new complex directly behind my unit, as well as mildew due to leaks within the unit, this issue was submitted to maintenance several times without resolution, all of which were building/structural issues. 
Additionally, the property manager has been reported to HUD and additional complaints are being filed for discrimination, harrassment and retaliatory practices in XXXX XXXX - Retaliatory conduct prohibited ( a ) Except as provided in this section, a landlord may not retaliate by increasing rent or decreasing services or by bringing or threatening to bring an action for possession because the tenant : ( 1 ) Has complained to the landlord of a violation under XXXX ;
Product: Student loan

Suntrust Bank is denying my student loan application based on income/race/language discriminationI am a student going to graduate school and am seeking for a XXXX student loan from Suntrust Bank. The loan is approved for credit but is requesting additional documents for my cosigner to verify his income. This bank is always using the reason cannot verify cosigner's income to reject my applicaiton. Loan ID: XXXX Spoke to suntrust custom loan representative XX/XX/19, asked why additional document is required. Said that the cosigner's income doesn't match the the amount on the paystub. He told me income can be projected, try to use the formula using weekly pay x 52week = annual gross income. If the number doesn't add up, I have to re-apply using a lower income amount. Loan ID: XXXX I reapplied, using the formula, put XXXX for cosigner's income. $XXXX/hr x 40 hr/wk x 52 wk/year = XXXX. Uploaded 3 recent paystubs, again asked me to provide additional document for the cosigner. Called suntrust custom loan representative XX/XX/19, asked why? They said they cannot verify income, didn't give a reason, just saying doesn't add up. So I spoke to the supervisor, he said that the number doesn't add up, no why. When I asked how much the cosigner need to put for his annual gross income? He didn't answer,  said he can't provide me additional information if he cannot speak to the cosigner. The supervisor is also not willing to connect me to the loan origination department to ask for details. But the cosigner, who's my father, cannot communite in English. He started his job this year, working full time, earning $XXXX/hr. I and my father didn't do anything wrong, and Suntrust bank is kept rejecting our documents without providing a clear reason or any instructions to help us proceed the loan.
Product: Debt collection

On or about XX/XX/XXXX ( COVID ) wife had employment closed and we could not afford to continue rental. Advised property XXXX XXXX XXXX, who instructed us to fill out XXXX waiver form and early termination of lease would be okay and all fees and rent due would be waived. Completed form and returned to property manager. Moved out and asked for walk-through, and advised " not to worry about it. '' In XXXX began getting calls and correspondence from collection agencies and/or property management company regarding back owed monies ( early lease termination and cleaning ) and threatening legal action. Disputed all contact with copy of XXXXXXXX XXXX exactly what we were asked to do. Latest company, Columbia Debt Recovery XXXX XXXX, sent an email on or about XX/XX/XXXX, attempting to collect alleged debt. I sent dispute letter sent via email and 1st Class US Mail on XX/XX/XXXX to XXXX at address provided ( XXXX XXXX XXXX, XXXX, WA, XXXX and XXXX ). Notwithstanding, repeatedly receive calls from XXXX from " XXXX from Genesis. '' Last call received and message left on today XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX  ).
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

XX/XX/year>XXXX  : XXXX alerted me about fraudulent activity. At this time, they contacted Citibank about the disputed account. Information provided : XX/XX/year>XXXX  {$3100.00} was charged to a Citi XXXX card opened under my name without my permission. 

XXXX called Citibank with me on the line. They ( Citibank ) confirmed they were closing the account and removing the charges ( which they never did ). 

Since then, I have called Citibank over 20 times to resolve the issue. The account is closed, but the balance is still active and is now delinquent.
Product: Credit reporting or other personal consumer reports

To whom it may concern I am writing you to inform you that you are reporting transactions that does not include my consumer report. 

*Nationstar mortgage LLC/Mr. Cooper In Accordance to the Fair Credit Reporting Act 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

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 ( XXXX ) 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.
Product: Credit card

This account was open XX/XX/2017, all payments made on time no problem at all with payments, company violated my right to credit, under the equal credit opportunity act, took adverse action on ID theft fraudulent account and closed accounts f XXXX dollars and another account of XXXX harming the consumer.
Product: Credit card

I am a XXXX/American express ( AE ) credit card holder. I enrolled to AE true earning card to replace my XXXX AE card but I did n't activate it. AE said I can continue to use my XXXX AE card until XXXX taking over their business on XXXX XXXX. My cash reward with XXXX/AE will still accumulating. When I logon to AE account, it only showed my reward of XXXX. But after my XXXX XXXX statement, my cash reward is even no longer showing in AE monthly statement. I contacted AE on XXXX XXXX. They said they have system error and fixing it. And it still take 2 more weeks to fix it. Does it take 5 months to fix a software problem?? I 'm complaining about AE not giving me the cash reward back. I have my right to know where my cash reward go. Thanks.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor : AXXXX XXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) # XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX  XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Wells Fargo has frozen my account and deposits several times in error. Cash was even frozen that I have deposited, frozen for weeks in XXXX and XXXX
Product: Checking or savings account

My account was closed for the overdraft that was made on my checking account and I thought I had overdraft protection on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transition intentionally lied and sent me a letter in the mail saying they do not have a report for me when I called and indeed have a report and got a report number from the agent on the phone. I have attached they letter they sent me in the mail. 
They continue to cause me harm and suffering by reporting inaccurate information on my consumer report this information should have been deleted promptly, they are intentionally stalling and taking away my right to privacy and causing serious harm and injury to me. Do what is right and lawful by blocking and removing this information from my report. 

According to 1681c-2 ( e ) this information should be deleted and block within 4 business days upon receipt of the consumers, proof of identity, identity theft report, a statement from the consumer and the identifying information to be reported.
Product: Checking or savings account

I was trying to cash cheques I did not know the cheque was fraudulent and I sent the money via XXXX back to the person who gave me the cheque, the cheque then was returned after funds had cleared and took all the money I had in my account and that I had saved for, XXXX only XXXX and XXXX realised what was happening until {$1700.00} was gone. I told the bank and filed a police report and the bank now says theres nothing they can do as it wasnt fraud and that I willingly transferred the money but if the cheque hadnt have cleared I would have known it was fraudulent. Surely its partially the banks fault for letting the cheque clear
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am a victim of identity theft and human trafficking.

I write to dispute certain information in my file resulting from the crime. Just so you know the items I am disputing do not relate to any transactions that I have made or authorized. Please make Transunion comply with the Fair Credit Reporting Act and remove these fraudulent accounts from my Credit file. 
XXXX fraudulent accounts are showing up on my Credit Report, these accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
I entered the Country for the first time back in XX/XX/XXXX and before that, I was trafficked and smuggled out of XXXX because of Political Problems and into XXXX until I finally came to the United States. A lot of people had access to my Passport/Identity documents along the way, which put me at extreme risk of Identity theft and for my sensitive documents to be compromised. 
The above XXXX items are inaccurate because they do not belong to me, are fraudulent, unauthorized by me, and are a direct result of criminal Identity theft. 
I have only ever opened and authorized XXXX Credit Cards in my lifetime, they are both from XXXX XXXX opened in XXXX, and those plus XXXX auto loans are the entirety of my CORRECT and AUTHORIZED Credit History. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, to section 605B of the Fair Credit Reporting Act and section 605C of the Fair Credit Reporting Act ; I am requesting that the XXXX fraudulent items be fully removed. 
Attached are Proof of my Identity and address, copies of the Police report, an Identity theft report supporting my position, Also attached is my XXXX XXXX by the Department XXXX XXXX XXXX XXXX years ago proving that I was an Asylee/Refugee and victim of trafficking. 
Please have Transunion comply with section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act and delete the disputed items as early as possible.

It seems unfair that the only way for me to get these off my Credit report is to file a lawsuit against Transunion.

I hope that the Consumer Financial Protection Bureau can end this never-ending nightmare for me. 

Thank you, XXXX XXXX
Product: Mortgage

For the past year Ive been experiencing issues with freedom mortgage and the tax office. Both companies have me down for living in XXXX different township which I only live in XXXX. Ive been paying taxes for XXXX and XXXX townships and now my escrow account is over drawn and they are expecting me to pay XXXX dollars for the months of XXXX and XXXX cumulative. This matter needs to be resolved soon. I dont want to lose my house due to both companies negligence. I have been calling to check up on this matter for months and nothing has been resolved yet. I really need some help in this matter immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting lates that I should not have. I changed my payment date from the XX/XX/XXXX to the XX/XX/XXXX and this is an error on their part. I have had this account for 15 years and have not had a single delinquency until now, which is not my fault.
Product: Checking or savings account

I lost my debit to my checking account in someone I didnt authorize to use my card Misuse my debit card without my permission so I filed a dispute with the bank and they said that it was verified transactions. I couldnt pay those transactions that that was made on my account so they close my account and put a remaining balance on my account.
Product: Debt collection

I have attempted to contact the fraud department several times with the UpStart Loan company to report a personal loan that was taken out under my name and information, however I have not received any calls back despite attempting to contact them. I have spoken directly to customer service representatives on XX/XX/23 and XX/XX/23 who advised I would receive a call back, but have not been contacted at this time.
Product: Student loan

A XXXX  days late was reported but if I look at my last account statement XX/XX/24 it shows no delinquency nor does it show notice of payment late nor does it show any change in payment amount or status. I never got any notice that payment was late. UNISA needs to be proactive with notification if they are about to drop your credit score by XXXX points! 
Erroneous irresponsible reporting by them.
Product: Credit card

I had a bestbuy credit card account with a {$300.00} line of credit. They wanted to charge me an annual fee of {$53.00} in XXXX. I sent them an e-mail requesting that they waive the fee since I was uncomfortable paying the fee. They refused. I spoke with them again and asked on their chat application. They said they could n't waive it so I asked them to close the account. They never said they would continue to charge me for the fee and now they 've hit me with a {$32.00} late fee. They also call XXXX a day harassing me. I want this resolved.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : SAFCO  Account Number : XXXX Date : XX/XX/2015 Amount : {$7100.00}