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

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights 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  The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within XXXX  days of submission. However, it has now been more than XXXX  days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I printed off my consumer report a couple of months ago and noticed there were an obscured amount of inaccuracies, inconsistencies, and incomplete account information being reported by TRANSUNION. All of which at this point FCRA violations because I have pointed out these inaccurate entries on my consumer report back to back and TRANSUNION keeps verifying that the information that is reporting is correct and will remain. Transunion is failing to follow proper debt dispute procedures because if done correctly the information would be deleted from my consumer report. 

FCRA was established by the FTC to protect the fairness and accuracy from abuse by consumer reporting agencies like TRANSUNION and I want them held accountable for causing me great distress and still reporting inaccurate information even after I alerted them to the errors on my consumer report. I feel I am owed damages LEGALLY because the FCRA VIOLATIONS that's happening here is " willful ''. It is willful because even after I alerted them several times and gave them a chance to fix my consumer report and delete the inaccurate and unverified entries, they still dropped the ball and stomped on my rights as a consumer making me feel like I don't have any rights when it comes to my consumer report at all. 

I have attached the last dispute sent to Transunion, and my most recent credit report where I circled and notated all discrepancies that need to be deleted from my consumer report immediately. This recklessness being shown by Transunion has gone on long enough. I am stressed to the max trying to get my errors resolved. This is a factual dispute and I have provided all documentation and proof needed. If I do not get the resolution I deserve I am prepared to get all my documentation and go to court because I have been denied housing due to their negligence. At this point it makes consumers like me believe the CRA 's get paid big money to look the other way while our reports are left damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote to Equifax to complain that they are reporting inaccurate and incomplete credit information and requested verification of the accounts on my consumer report. It is now XX/XX/2021 and I have yet to be notified of the investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2023. Its been well over 30 days. I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ( ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights.
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 Account Number : XXXX Account Name : XXXX   XXXX  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I would like these account to be remove so my credit report can report accurately ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX 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: Credit card

I called JP Morgan Chase XX/XX/24 XXXX  separate times, I had paid the credit card off in full and XXXX week later after the balance was {$0.00}. They charged a {$32.00} Interest Charge which they failed to include in the balance. 

I requested 3 times to remove ans waive this charge, JP Morgan Chase refused to grant my request. 

They're acting in bad faith as this is an unfair, unreasonable, and dishonest act.
Product: Student loan

My tax refund of {$1500.00} was garnished this year by Alltran Education , Inc. and the U.S. Department of Education. I have been evicted in XX/XX/XXXX of this year, and officially deemed " homeless '' in XXXX County as of XX/XX/XXXX. All calls to Alltran Education , Inc. and the U.S. Department of Education have been ignored. Specific individuals I have dealt with are XXXX XXXX at the U.S. Department of Education and " XXXX XXXX '' and " XXXX '' of Alltran. None of these employees disclosed their employee ID numbers to me. 

My tax refund was also garnished last year ( XX/XX/XXXX) of over {$2000.00}. 

I now am officially homeless, living on the streets because Altran and the U.S. Department of Education have ignored my complaints time and time again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries and a fraudulent account on my credit report. 


Inquiries XXXX, XXXX XXXX Account XXXX XXXX
Product: Debt collection

I am serving XXXX XXXX in the XXXX, and I had a phone service plan with XXXX XXXX. I had closed my account in the store so I could switch to a family plan with XXXX, XXXX at the time. 

When I closed my account in the store I was told that I owed nothing more, the final amount that I paid was the same amount as what they claimed as debt. 

They sent a letter to my house, which is my home of record, however being stationed elsewhere I didnt see the letter until I went home. The people at my home of record does not open my mail, and its very difficult to receive mail on post so I dont do that. They never tried to call me directly or told me in any other way that I owed. 

When I saw the letter, I called XXXX and asked them why I owed them money. They told me on the phone that I didnt owe them anything and that my final bill was paid. So I contacted the debt collector, and they were unable to help me. Even trying to log in to my XXXX app showed that my account was already closed. Finally after about a month of back and forth I paid the bill I had already paid. The debt was settled with the debt collector and I thought everyone was happy. 

My credit report got hit with a 3 month late payment history, the only negative report I have on my credit. I take my credit seriously, pay all my bills on time, and never go over any limits I have financially. I feel very wronged by XXXX, I even contacted their collections team after seeing the report and they wouldnt help me. I tried to get the recorded calls as proof and they wouldnt do that either. Im almost to XXXXhe point of getting a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I contacted Equifax_ about the following negative accounts XXXX XXXX ( Date Opened : XXXX Balance : {$2600.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XXXX Balance : {$0.00} ), XXXX ( Date Opened : XXXX  Balance : {$53.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

Loan transferred from XXXX to Mr. Cooper. New payment amount adjusted with an increase of XXXX & is listed as fees. New fees indicated are for processing etc. & I did not authorize an increase, nor signed any documents relating to said increase. Then when I tried to pay the original payment amount it auto filled the prompt and added the next months payment as well and wont allow you to pay any other amount other that the amount they auto filled trying to trick you into paying 2 months amount. 
Also when you call they indicate due to current call volume they can not assist you at this time. When you pick a different category they put you on a non answered hold.
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 remove these inaccurate items from my file. 
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: Credit reporting, credit repair services, or other personal consumer reports

Inquirys on my credit report is identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

ive done everything you guys require and still nothing is deletd ive filed polie report ftc report complained to XXXX and still you guys look at my complaints as unfounded i want inquiryies on my report investigated and deleted i have no cards in date ranges indicaied so they are fraud and should be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, Transunion & XXXX are govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed becasue Accoring to 15 USC 1681. I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Accounts XXXX. XXXX XXXX ( XXXX XXXX XXXX ) XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ) XXXX. XXXX XXXX Bank XXXX ( XX/XX/2022 ) XXXX. XXXX - XXXX XXXX ( XX/XX/2022 XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX - XXXX XXXX ( XX/XX/2022 ) They have also violated me under codes 15 USC 1692 ( B ) ( 2 ) & 15 USC 6802
Product: Bank account or service

During the period XXXX-till date I have tried to open several checking accounts for personal and business use. The bank forced me as part of the account creation to also have a savings account. I could not open a checking account by itself. 

I agreed to open a Savings account for my business ( XXXX ) even though I did not need that account. I deposited {$25.00} in it of my own money. Obviously since I really did not need this account, I did not use it either. All through out this time, they never paid be a single cent of interest on {$25.00}. 

After several years of non-use elapsed, my account was shut down without my consent and turned over to the California Controller as unclaimed property. I have had 4-5 accounts and credit cards with the bank and they turned over my balance {$25.00} to Unclaimed Property. 

Now the California Controller says that they have received many Claims and because of the volume they can not process my Claim. They very likely will not pay me any interest either.
Product: Credit card or prepaid card

On XX/XX/2021 I started receiving text messages, saying my phone number and email were changed for the account so I immediately called customer support to inform them my account was getting hacked during the time I was on the phone I received my direct deposit then while I was on the phone, they transferred my money and took it all out of my account, which I believe since Im informing them that my account is getting hacked it shouldve never let any transactions go through but they did and when I filed a dispute, they denied it
Product: Credit reporting or other personal consumer reports

Unfortunately I have been a victim of a data breach and victim of fraud victim of identity death. The accounts listed below were never open using my consent or permissible purpose or authority. They were open using my personal private information without permissible purpose the following companies never investigated or made contact with me to validate the accuracy of these accounts Experian, Equifax, and Trans Union along with the creditors are in violation of FCRA federal law, as I was never contacted to validate the accounts mentioned. And you may be held liable pursuant to federal law title 15 USC 1681o and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with XXXX, the account was reported by United Revenue Corp. for {$840.00}. XXXX sent me a result stating that this account was removed from my report, but it was not. I called XXXX  trying to get answers, the representative was rude and unwilling to help. He insisted that this account was a updated as accurate by United Revenue Corp . This account listed on report as opened on XX/XX/XXXX, but never reported till XX/XX/XXXX. I want to know if this account was accurately reported and meets the Fair credit reporting Act requirement, then why XXXX first concluded it's investigation with a result of removal and then changed it to updated?
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle handling of disputes particularly in the light of the cfpb lawsuit highlighting sidnificant issues with the platform
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Product: Debt collection

A collection company by the name of ERC sent a letter by post addressed to me using my maiden name ( married XXXX yrs with using married name ) that I had a debt with a phone company that I previously shut off services with. I closed the account satisfactorily, because they sent me a refund check due to the billed amount was more than the charges incurred due to mid-month shut off. 

Had all the ear-markings of a phishing expedition 1 ) Account number is wrong 2 ) Addressed to me in my maiden name ( 17 years married using my married name ) 3 ) PO Box address in the From line is from Pennsylvania and the PO Box address to line is to Florida
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. A fraudulent account has been opened in my name and reported on my credit are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I contacted cashapp customer service to inquire about a XXXX XXXX credit I should have received XX/XX/XXXX. 

The following is a transcript of that exchange : ME : I am inquiring about a refund of XXXX XXXX that doesn't appear to have been returned to my balance or bank CashApp : Your {$100.00} payment was successfully cancelled on XX/XX/XXXX at XXXX XXXX and returned to your debit card ending in XXXX. Cancelled payments will return to your bank account in 1 of 2 ways : - It may void and drop off your bank statement. Meaning, the transaction was successfully canceled. Your bank has adjusted your balance and you will no longer see the initial debit.

- It may post as a refund in XXXX business days. Meaning, you will see the initial debit and an additional credit. 

I suggest reaching out to your bank 's debit card operations department for more info. Make sure you let them know that the funds will appear as an electronic funds transfer ( EFT ), which is a direct credit to your bank account. 

ME : I have reached out to my bank. They have confirmed w me that they have no record of the return. Please advise or provide me some tangible evidence to taken to them CashApp : The {$100.00} payment failed on XX/XX/XXXX at XXXX XXXX, and the funds were returned to your card ending in ****. Any pending charges from the payment will drop off your bank activity in XXXX business days.If you still see a debit on your account after XXXX business days, please file a claim with your card-issuing bank. Moving forward, all correspondence regarding this matter will be handled between your bank and Cash App. 

Me :? Why am I being squeezed out of the process CashApp : TryI don't have any new info to provide on this issue. For questions or concerns outside of this, I'm more than happy to help. 
Me : So are we not allowed to talk about this now? 

Cahsapp : While Id be happy to help you with anything else, Im unable to provide further info for this particular case. Thanks for understanding. 

Me : But I don't understand... 

CashApp : We've provided as much info as possible to help with this issue. Since I can't provide any additional help, Im going to go ahead and end the chat. Youre welcome to contact us in the future through the app. 

Me : XXXX of my XXXX have lol gone missing while in your care and I'm not allowed to ask about it? 

CashApp refused to respond after this. The action has caused me to overdraft on my other payments. It was like a domino effect. 

I respectfully request an explanation as well as the return of my monies.
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT the following creditors have violated my rights. Under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 ( a ) 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment as late under any purpose.
Product: Credit card or prepaid card

I was charged for items I did not order or receive. Amazon store card has been contacted many times but still show an outstanding balance. I reported the fraud and closed the card but I am still getting emails stating that I owe money.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handing of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has nit only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountable and raises serious concerns about consumer safety.