23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXXXX/XX/XXXX ] TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion Customer Service, I am writing to formally dispute the accuracy of the trade line reported for XXXX XXXX on my credit report. Upon reviewing my credit file, I have noticed that this account is inaccurately linked to the address XXXX XXXX XXXX. I would like to assert that I have never resided at this address nor have I had any dealings with this account. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or misleading information in my credit report. Specifically, the account associated with the address mentioned above is not mine and seems to have been reported in error. 

To assist you in the investigation, I am providing the following details regarding the account in question : 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  ] Moreover, I request that you provide me with the following documentation to substantiate the validity of the alleged debt associated with this account : 1. **Proof of Purchase Agreement** : Documentation showing the original agreement or contract regarding the alleged debt.

2. **Insurance Claim on the Debt** : Any records indicating that an insurance claim has been filed regarding this account. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) ** : The original creditors records that verify the validity and ownership of the debt. 
XXXX. **Statute of Limitations Information** : Information regarding the statute of limitations applicable to this debt, including the date of the last payment made on the alleged debt. 

I kindly request that you investigate this matter thoroughly. If you find that this account has been reported in error, I request that it be removed from my credit report to ensure my file contains only accurate information. 

Please confirm the receipt of this dispute letter and keep me updated on the progress of your investigation. I can be reached at [ XXXX ] or [ XXXX ] for any clarifications or additional information you may need.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ XXXX XXXX XXXX ] Enclosures : 1. Copy of Credit Report ( with the account in question highlighted ) 2. Proof of Identity ( if necessary )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX incorrectly reported an account from XXXX XXXX as in collections that was paid by the NY Department of Social Services in 2014. I paid back social services and several collection agencies tried to collect on this paid bill years ago, I reported to CFPB and the collections agencies dropped the collection and credit bureaus removed from my reports and CFPB reported to FTC. Here it is over 6 years later and during a world wide pandemic and XXXX XXXX XXXX  has the horrendous objective to falsely state I owe a debt that was paid without any type of fact checking or contacting me by mail. The 3 credit bureaus just let this appear on my reports without any fact checking, how is this fair or legal?
Product: Payday loan, title loan, or personal loan

On Wednesday XX/XX/XXXX i applied online to One Main financial for a personal loan and was approved for an unsecured loan for the amount of {$17000.00} providing, according to the approval message received on the site, i would furnish proof of identity and could verify my income.I then was directed to go into my nearest One Main Financial office to furnish said proof. I was again told that if i provided the required info my loan was approved. I had my XXXX tax return and 1099s from XXXX. I was informed that they needed my XXXX tax returns as well. I then asked for an explanation of why they needed my tax returns as i had just financed 2 brand new vehicles with only my 1099 and a statement from the folks who issued my 1099. I asked to see the policy or have it explained that states this request and my request was refused. I then asked, " so the only way i can get this loan is to show my XXXX tax return? ". The branch manager XXXX said yes. I then informed her i didn't have it completed and would need time to prepare it. I then informed her that since she would not provide me with the policy they have concerning my tax info that i was contacting the executive office to get clarification.Executive office explained in detail and informed me to go back to the One Main branch i applied at to finish up my loan. On Thursday XX/XX/XXXX i went back in with my completed tax forms and was then told my application was deleted and now i needed to reapply. They then ran my application again and i was denied because of too many inquiries. Costing me not only the loan i was already approved for but hurting my credit unnecessarily. When i asked why they did this to me and deleted my initial approved app, XXXX stated that, i assumed you didn't want the loan anymore even though i never stated that and was actually only looking for clarification and for my completed tax return which i had my accountant working on in that week.
Product: Debt collection

Not sure of date but they were told we would be filing bankruptcy and their frequent calls from supposed blocked calls were illegal. They are relentless
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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: Checking or savings account

I reached out to chime in XXXX for fraudulent charges on account because I didnt have my card or phone anymore the rep asked me to verify the last 3 charges on the account but I couldnt because I couldnt log into to update my phone number because the last phone was taken had to wait for a new card which took forever for me to receive I finally was able to update my phone number to get into my account theres a lot of charges on my account that are unauthorized and they keep denying the claim even though the charges are not in my name chime is literally trying to keep my money for charges that I didnt even do
Product: Credit reporting or other personal consumer reports

This company closed my account without reason and after 7 years it is still being reported as {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 rights to my privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Checking or savings account

I have an account with Chase so is my son.My son has overdraft fees and Chase decided to take my money and pay for my son account. I have called them and they refused to correct this mistake. I do not owe Chase and yet they do not have any right on my money. I have budget and because of what they are doing I am falling behind on paying my bills
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the XXXX you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Product: Credit reporting or other personal consumer reports

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Date of inquiry : XX/XX/2022
Product: Mortgage

During the settlement of countrywide/ bank America , bank America lien released my second mortgage first but did not release my first mortgage? Why? My loan with countrywide was XX/XX/XXXX ( XX/XX/XXXX ) they transferred my loan to XXXX they recieved my loan which was past due since XX/XX/XXXX why would bank America transfer a loan that was in default? during the time of which the countrywide /, bank America settlement? I called XXXX  listed on my loan documents they still had bank America listed under my loan as the servicer? not XXXX or XXXX my current loan services now ( XXXX transferred my loan to XXXX  in XX/XX/XXXX, I than called bank America they told me my loan was released to XXXX ( XX/XX/XXXX ) again my question why would they transfer a defaulted loan from XXXX and not release the first which is loan number XXXX but did release the second loan first? XX/XX/XXXX XXXX gave me these dates with a statement saying bank America gave them this loan in default also the transfer dates from bank America are conflicting as well. Also I was being charged late fees from the beginning of my loan XX/XX/XXXX, XXXXwhen in fact it was not late if you look back to the beginning you will also see a due date / payment received conflict
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute :
Product: Credit reporting or other personal consumer reports

I NEVER made these inquiries on my account! Please Remove!!!
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. 

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 XXXXXXXX has violated my rights. Or 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

Experian allows XXXX XXXX  to constantly check my credit fraudulently to report a fraudulent account on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX, XXXX and XXXX inaccurately reported Ive disputed countless times. 2 ) American Express closed my count XXXX, XXXX continues reported me late.3 ) XXXX XXXX closed my account XXXX XXXX due to Fraud and continuous reporting late payments. XXXX XXXX XXXX XXXX reporting XXXX ) XXXX XXXXXXXX XXXX late payment XXXX XXXX XXXX XXXXXXXX XXXX showing charged off XX/XX/XXXX but accounted was closed XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Debt collection

Hello, I am writing & complaining about, " XXXX XXXX   Company '' ... 
This company did insure my vehicle in the past. Opened file auto insurance showing XX/XX/2018. I decided to not continue having my longer vehicle insured by this company " above mentioned '' any longer!!! Decided to go with another insurance company!!!! 
XXXX XXXX Company was notified of this in a time frame matter before another bill was to come at me. XXXX XXXX Company are also able to communicate with other companies to work with the customer and find documentation in system or even DMV for their own records to be updated and not assume & submit wrong information. However did not seem to be completed or done by them, due to me getting my credit score lowered and fausly accused of non-payment or a remaining balance of [ XXXX XXXX XXXX XXXX XXXX dollars ] This has been submitted, opened and now sent to COLLECTION. 
THIS HAS IMPACTED ME & MY FAMILY, FINANCES MENTALLY, EMOTIONALLY, & PHYSICALLY EVEN PUTTING A STOP OR HOLD ON MY DAILY LIVING FOR A FUTURE AND DELAYED PROGRESS IN LIFE! 
I AM URGENTLY ASKING FOR ASSISTANCE, GUIDANCE, HELP FOR THIS TO BE FIXED. I DO NOT OWE " XXXX XXXX Company '' ANYTHING & THERE IS PROOF TO BE SUBMITTED AND REVIEWED IN A CORRECT MATTER!!!!! PLEASE LOOK INTO THIS FALSE AND MISLEADING NOTICE THAT IS ON MY RECORD. 

THANK YOU,
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX wrote stating that XXXX XXXX and XXXX XXXX XXXX verified a bankruptcy on my credit file. There is no said bankruptcy on my XXXX XXXX report and the court house does not report to 3 rd party vendors. Equifax and XXXX failed to investigate by contacting XXXX XXXX.
Product: Credit card

Wells Fargo withdrew funds from my checking account to offset a credit card debt with Wells Fargo.
Product: Credit reporting or other personal consumer reports

I have a collection on my credit report and my information was stolen in the XXXX data breech
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed personal information such as name, addresses, employers as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately.
Product: Debt collection

Jefferson Capital Systems , LLC showed up on my credit report around XX/XX/XXXX. 
They claim i owe them XXXX as of XX/XX/XXXX from a XXXX credit account through XXXX XXXX. I have XXXX knowledge of their claims and have called XXXX to confirm this matter. I was told by the XXXX rep on the phone that the account does not exist and that its impossible to have two accounts. I have an account with XXXX already with a current balance of XXXX. So this mystery account Jefferson Capital claims is fraudulent. I have disputed once already and they said its valid ( NOT TRUE ).

I have called Jefferson Capital but was unable to reach anyone. So i did a quick google search and looked at reviews of this company and it seems they are doing this nonsense to other people. This is ridiculous and i would like this removed from my credit report please and thanks.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint is being filed to demand pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agency , block the information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent, inaccurate, and false information consist of 21 accounts reporting fraudulently and inaccurately. See attachment. These accounts have resulted in several fraudulent collections and accounts appearing on my consumer FICO credit report. I've attached a list of the accounts in question. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud. 



I am also filing this complaint because are 21 accounts on my credit report that Transunion, XXXX and XXXX have allowed to be on my credit as a result of identity theft. They are unlawfully reporting accounts that arose from IDENTITY THEFT and did not verify the aforementioned accounts as required by law and are now reporting to my consumer report. according to 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.

( 1 ) In General.

WHOEVER, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 



An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because they furnished, shared and are allowing the publication of my consumer report without my written permission as stated by federal law. 



According to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 



I, XXXX XXXX XXXX never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. They also do not have any permissible purpose to furnish my personal information to any third parties.
Product: Credit card

On XX/XX/2023, I called Chase member services. Told them I had fraudulent charges, they transferred me to the fraud department. Fraud department told me I had to call XXXX and provided me their number. I called XXXX, verified the charges were fraudulent. Spoke to Chase, they couldn't remove the charges, I went back and forth with them. Asked for total balances on both accounts. Paid both in full and requested for accounts to be closed. I was told they were. I received emails and letters stating my account was past due... but I closed my account??? Called Chase, spent over an hour on the phone to tell them any charges on my account were fraudulent, was transferred 5 times, spoke to two different people in the fraud department. They told me the account was closed in XXXX, I assume from non payment even though I didn't authorize any charges. They would waive the late fees, fraud department is flagging the other charges. My question is, if I requested for my account to be closed and I was told it was on the date above, why did Chase authorize other charges? In addition, you have negatively impacted my credit score. I want that fixed ASAP. Listen to the recordings. I've requested this account to be closed several TIMES, I've also reported fraud charges well before the above date mentioned.
Product: Money transfer, virtual currency, or money service

identify you and your account. 
I am writing to formally express my concerns regarding Zelle 's handling 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 findings indicate that Zelle has not only neglected to protect 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.