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

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to XXXX % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$XXXX} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, I reviewed my credit report and found the following items and addresses to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This needs to be removed or I will file a lawsuit.
Product: Debt collection

In or around XX/XX/XXXX-XX/XX/XXXX, ( can't remember exactly dates due to having mild XXXX from military service ) my wife and I had secured phones with XXXX XXXX, however, upon getting to our house and that following week, our services and phone signal was not-existent, calls were dropped, couldn't get a signal, so I contacted their customer service and was relayed to their technical service department. They opened a ticket and they researched why our services wouldn't work at our house. The response from them was this, their equipment in our area was old, does not work well and they aren't going to update soon. The equipment was their cell towers, the field techs confirmed that their services was not right for us. We took this to their customer service, it was escalated to their management team, it was agreed that we take our equipment ( phones ) back to the store and all contracts would be dropped due to their services would not be available at our residence. My wife owns her own business and her phone is her lifeline, I am in the military and mine is too me as well. We left that day with no contract with XXXX XXXX and no balance, we immediately went to XXXX and was with them up until we moved to XXXX XXXX XXXX 2 years ago. This is an attempt to get money out of me that this company has no contractual agreement to nor do they have any legal recourse to do so. This should be deleted IMMEDIATELY and XXXX XXXX should CEASE any and all attempts to steal illegal funds from me. Their illegal reporting is causing undue harm to my credit and is defamation of credit.
Product: Debt collection

I had went to XXXX XXXX XXXX XXXX XXXX XXXX in approximately XXXX. The hospital got my Medicare Card and my XXXX Card. On XXXX after moving to XXXX, XXXX, I received my VERY FIRST letter from the INFAMOUS debt collector Syndicated Office Systems. XXXX, XXXX XXXX XXXX. The letter said, I owed a mere {$65.00} for the co-pay. I got on the phone and IMMEDIATELY paid it. There is no dispute of that. The ENTIRE PROBLEM is I never knew I had a co-pay after being shot up with Dilaudid and leaving too high to walk. And, NO ONE said, " XXXX XXXX do you or anyone with you gon na pay your CO-PAY? '' I get my first notice a year and 4 months later AFTER it 's on my Credit. And for 3 years, I have XXXX " collection '' for {$65.00} that even the supervisor of Accounting XXXX said THEY SHOULD REMOVE but Syndicated Office Systems/Central Financial refuses to remove! This is CFPB 's own report on the XXXX name company XXXX
Product: Credit reporting or other personal consumer reports

Despite numerous attempts, I have been unsuccessful in resolving the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no choice but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs, substantially impacting my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Product: Debt collection

This items were unverified by DIAZ & ASSOCIATES and DIAZ & ASSOCIATES reported the fraudulently account on my credit report without my consent.The account was removed and now has being reinserted back onto my XXXX  credit report without my knowledge of this account. I've proof of account showing deleted and reappearing.DIAZ & ASSOCIATES must remove the fraudulently account immediately accordingly FDCPA and the FCRA. I have also attached my identity theft report as well Please removed fraudulently account from all my credit reports I will report this to the FTC and the Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX.there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

As I continue to call Transunion to remove the hard inquiries, the credit bureau says they will remove them then when I call back to get an update on why they havent been removed I get lied to and they say we can not remove the inquiry they give me the worst attitude and they have yet to solve the problem. Ive sent letters Ive emailed documents Ive mailed the proper documents not once but more than once and they continue to give me issues.
Product: Credit reporting or other personal consumer reports

[ Your Name ] XXXX XXXX [ Your Address ] XXXX XXXX XXXX [ City, XXXX, Zip Code ] XXXX XXXX Nv [ Phone Number ] XXXX [ Email Address ] XXXX [ Date ] XX/XX/year> [ Recipient Name ] XXXX XXXX [ Company Name ] [ Company Address ] [ City, State, Zip Code ] Subject : Dispute of Credit Reporting Due to Negligence Under Section 1681 Dear, CFPB I am writing to formally dispute an issue related to my credit report that appears to be the result of negligence on your part, which I believe violates my rights under Section 1681 of the Fair Credit Reporting Act ( FCRA ). Specifically, I am referring to [ insert details of the disputed information or entry, e.g., an inaccurate account, late payment, etc. ]. 

According to the FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report. I believe that this particular entry is either the result of error or insufficient verification on your part, and as such, it constitutes negligence under the civil liability provisions outlined in Section 1681. 

I would appreciate it if you would investigate this matter promptly and provide me with a written explanation of the actions taken to resolve the dispute. As stipulated by the FCRA, I request that you either : Correct the erroneous information immediately and notify all relevant credit reporting agencies of the correction, or Provide me with a written explanation of the reasoning behind your decision to maintain the disputed entry. 
Please note that I am exercising my right to seek civil liability for any damages caused by the negligent reporting of this information. If the issue is not resolved or if further action is required, I am prepared to pursue legal remedies available to me under the FCRA. 

I look forward to your prompt response and the swift resolution of this matter. 

Sincerely, [ XXXX XXXX ) [ Your Social Security Number or Date of Birth ( optional, but can be useful for identification ) ] [ Your Credit Report Reference Number ( if applicable ) ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy chapter XXXX XX/XX/2013 & it has been discharged. It appears on both XXXX & XXXX  but doesn't appear at all on my Transunion credit report. Many of the discharged accounts still appear as delinquent on all three credit reporting agency credit reports.
Product: Mortgage

Supreme Lending advertised a 9 month rate lock as well as up to 3 rate lock extensions for a total of 12 months. 

Supreme Lending has refused to honor their rate lock extension offering with many buyers- including myself - despite having in writing that these options were on the table This is a deceptive practice and violation of UDAAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX 2016 XXXX XXXX closed all my checking and savings accounts and credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts, security freezes on each of my credit reports : XXXX, XXXX and Experian. <P/>I have called each credit bureau, submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report. I get no response other than new credit reports sent in the mail. <P/>Requested Action : Please contact each of the credit bureaus to remove ALL fraud alerts and security freeze notices so that my XXXX XXXX can get credit information for my ready reserve applications. My XXXX XXXX has applied five times and can not get credit information to approve my application for new reserve accounts.
Product: Debt collection

This company continues to report a copay as past due. They know that my insurance was 100 percent responsible and that I was too late to file a complaint against my insurance. I had met my deductible 100 % XXXX should have paid this debt at 100 percent and this company was advised of the situation. Because I had gone past 200 days the insurance refused to reverse the charge. I in turn went ahead and paid the bill over a month ago, yet they continue to report it as not paid. This is negatively impacting my credit report and my family! I believe they are doing this intentionally because I complained previously as this should have never been reported. This really irritates me because if you run a business, run it correctly or shut it down!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zell 's handling of disputes, particularly in light of the recent CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was feasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumer consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts that have been unlawfully reported on my credit file. I have been notified of multiple data breaches and have confirmed that I am a victim of identity theft. These accounts have been disputed multiple times, contain several incongruencies and inaccuracies and I have never authorized their creation or reporting. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX These accounts have been flagged as fraudulent and included in a formal FTC Identity Theft Report, which is attached along with supporting documentation. I have requested deletion of these accounts multiple times. 

Additionally, these accounts contain gross inaccuracies and are in various states of incompleteness across all three major credit reporting agencies. Worst of all seems to be the suspicious alterations to the " date of last activity '' and payment history. These inaccuracies appear to artificially extend the reporting period for these accounts.
Product: Credit reporting or other personal consumer reports

Consumer personal information was stolen in a data breach of 3 billion consumers personal information. Consumer is requesting that all items identified in FTC Identity Theft Report attached to this complaint are to be deleted immediately from consumers personal credit file report on all XXXX credit bureaus, equifax, XXXX, XXXX, pursuant to The Fair Credit Reporting Act section 605b within 4 business days. Also 15 USC section 1681b permission must be given from me as a consumer to report my personal credit information in order to be listed on bureaus web site portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list lif accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX., XXXX XXXX XXXX, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer reporting 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 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 filing a complaint against TransUnion for its failure to provide access to my online credit profile, credit reports, and scores, as well as the ability to manage my credit profile. This has significantly impacted my ability to address fraudulent accounts and inaccuracies on my credit report. 

I am specifically disputing a fraudulent account that appears on my credit report : - **Account Name : XXXX XXXX XXXX XXXX XXXX ( Also known as XXXX XXXX XXXX XXXX XXXX XXXX **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened due to identity theft. Despite this, TransUnion has failed to permanently remove the account from my credit report. After initially being removed, the account has reappeared, which further violates my rights under federal and state laws.

TransUnions actions are in clear violation of several federal and California state laws, including but not limited to : - **Fair Credit Reporting Act ( FCRA ) : ** Under the FCRA, I have the right to dispute inaccurate information and have it corrected or removed from my credit report. TransUnions failure to permanently remove this fraudulent account, and allowing it to reappear, violates this law.

- **California Consumer Privacy Act ( CCPA ) : ** The CCPA grants me the right to have personal information deleted and ensures that it is not reintroduced without my consent. TransUnion 's reappearance of this account is a violation of these protections. 

- **Consumer Rights Under the FCRA : ** TransUnion 's failure to provide online access to manage my credit profile, reports, and scores further violates my consumer rights under the FCRA . The inability to manage disputes online has obstructed my efforts to address fraudulent information. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnion 's practices and ensure compliance with all applicable federal and state laws. I demand the immediate and permanent removal of the fraudulent XXXX XXXX XXXX XXXXXXXX account from my credit report, along with a written confirmation that this account has been blocked from reappearing in the future.

TransUnions disregard for federal and state regulations has caused significant harm and stress. I expect prompt corrective action to resolve these ongoing violations of my consumer rights.
Product: Debt collection

I was on a payment plan, however they called me XX/XX/year>, that the payment plan had ended. I was given the option to renew payment plan or settle for less ( in the XXXX amount ) for all three accounts they listed on the call. For the time being I stated to do Payment Plan of {$75.00} for all three accounts, which I asked multiple times and they were confirmed by agent. Called the XX/XX/year> to settle with the lesser amount ( in the XXXX amount ) and I was told they only own XXXX account and could not settle for all three. I called XX/XX/year> and I was told balance for all three accounts ( XXXX ). Then I asked why I was being given conflicting information as far as sometimes telling me they own XXXX account and other days telling me is just XXXX. I asked to settle for half of what they had stated XX/XX/year> when they said the amount would be for all Three accounts after getting confirmation multiple times that it would be for all three accounts. They declined and say they couldnt and that I misinterpreted, however I told them All calls are being recorded and they can retrieve where I ask multiple times if the amount was for all three accounts. Kept mentioning that they work for the Creditor, and they set the amount and theres nothing they can do.
Product: Mortgage

When I called Shellpoint in XXXX, I was told by my Relationship Manager, Mr. XXXX XXXX, that my new mortgage payment would be {$1300.00} which is at a fixed interest rate. 

The letter dated XX/XX/XXXX and received by me on XX/XX/XXXX that I received from Shellpoint now puts the mortgage at {$1300.00}. The letter was received after the mortgage was due. I sent {$1300.00} on XX/XX/XXXX because that is what I was told was due by Mr. XXXX. This payment is much higher than my original payment for which I requested a modification to help with my original payment. 

When I called on XX/XX/XXXX to inquire of the mortgage payment, the representative said the payment is {$1300.00}. This is not the amount I would have agreed to pay. 

When XXXX transferred the loan in XXXX, I was in a trial modification and the balance was {$190000.00} which included {$20000.00} in fees that they put on the back of the loan. The letter I received from Shellpoint is {$210000.00}, which appears they added another {$20000.00} in fees in three months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX