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

TransUnion LLC XXXX XXXX XXXX  XX/XX/XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XX/XX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 ARS National Services Inc attempted to contact me about an alleged debt that was incorrectly owed. As 15 U.S. Code 1692g this is my response within 30 days and my complaint as said further. 15 U.S. Code 1692C ( A ) states - " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have never given ARS National Services Inc consent to contact me over an alleged debt that was incorrectly owed. At no point in time is a good time to discuss an allegedly incorrect debt. ARS National Services Inc is implying that I have engaged in business with their company. I am requesting a visual signed contract with my signature proving that I have allowed for them to conduct business with me. Second ARS National Services Inc is in possession of my personal information with I have never given them consent to have. I want to know how they got that information on this alleged debt that is incorrectly owed. This is a violation of 15 U.S. Code 1692b. Third ARS National Services Inc needs to prove the existence of this alleged account and prove by verification, and " Verification '' is defined in XXXXXXXX XXXX XXXX  ( XXXX XXXX. ) as " Confirmation of correctness, truth or authenticity by affidavit, oath or deposition ''. ARS National Services Inc shall provide a signed valid contract with these terms included, A Chain Of Assignment showing who has been in possession of this account, and a Sum Certain showing a complete accounting of how this alleged amount was arrived at, monthly statements, cardholder agreement signed, and a full original purchase agreement signed. Also under Tennessee state law ( TN Code 26-2-111 ( A ) ) and 11 U.S. Code 522 ( 10 ) ( A ) The only income I have coming in is Unemployment from the State Of Tennessee. This information is in no way an acknowledgment that I owe on this alleged account. This is considered exempt income under Tennesse Law and US Federal Law. I expect there will be no further efforts for ARS National Services Inc to collect on this allegedly incorrectly owed debt. If ARS National Services fails to be able to provide this information I expect them to delete this account from their files, and no further efforts to collect on this allegedly incorrectly owed debt will be made.
Product: Credit reporting, credit repair services, 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 Account # XXXX, XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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: Money transfer, virtual currency, or money service

I was sold scam tickets to XXXX XXXX XXXX XXXX XXXX. Seller claimed to have tickets and convinced me to use PayPals friends and family setting so I couldnt revoke payment after processing. He had no such tickets. I have screenshots of our interaction that I can provide I tried making a claim with PayPal but was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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, credit repair services, or other personal consumer reports

Card opened in XX/XX/XXXX. I haven't ever received a statement from them to this day, and didn't receive my card until Months later. Didn't have online access because I didn't receive a statement/billing/card info. They stated I have a late payment marked for XX/XX/XXXX. I am not receiving statements, no online access, no communication AT ALL. They removed multiple late fees due to this internal error previously so if they can admit it was an error qnd remove the fee, why won't they remove the remark to the credit bureaus. As soon as they called me stating I was being sent to collections for a late payment I had no idea of, I paid the balance. I have received NO communication from them for late payments, no statements, calls nothing so I didn't know when my payment was due or what my balance was. I have asked for this to be removed from my credit report multiple times due to an internal issue on their end and even filed with my credit bureaus and provided all information from my account with them as well as screenshots from the online system I finally got access to end of XXXX XXXX from a helpful representative that finally wanted to assist. Today I spoke with a manager and they said they will not do anything at this time and to " wait for the letter '' ( that I'll never receive ) from the last dispute for removal even though I can clearly prove I'm not getting mail and have no access to see what they wrote. This has been going on since the day they called me in XXXX stating I was late. This is the only late mark on my credit report as I don't pay bills late and always try to pay early but without statements and access to what I owe and when it's due, How can a company expect someone to pay them appropriately. In the screenshot you can see all payments to prior to XX/XX/XXXX were made by phone and are on different dates because I didn't know when my bill was due nor did I have online access to see statements.
Product: Money transfer, virtual currency, or money service

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 unfeasibleThe 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
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXX XXXXXXXX finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Debt collection

I requested documents and never received them within 30 days. This debt is not mine and it is reporting incorrectly.
Product: Debt collection

Repeatedly calling a family member to get me to call them back even though Ive requested they remove that phone number three different times. They also call me over 21 times since XX/XX/XXXX. They call from an unknown number and then a normal number and then a blocked number again to make it seem like its not them but then they leave a voicemail with the unknown number so they are harassing me at this point, thats not including emails also!
Product: Student loan

In 2021, I took out a private loan with Sallie Mae to cover the cost of a XXXX XXXX. The loan amounts were {$64000.00} at a 12.375 % interest rate and {$6700.00} at a 14.875 % interest rate. At the time I signed for the loan, I was told that the interest rate would not exceed 7 %, and that the loan could be deferred while I was in school. 

Since then, Ive completed a XXXX XXXX and am planning to attend XXXX XXXX However, because I am currently on a gap year, Sallie Mae has placed my loan into repayment. They are requiring principal payments of {$1100.00} per month, while the loan is accruing {$940.00} in interest monthly. Despite my efforts to work out an alternative arrangement based on my annual income of {$54000.00}, Sallie Mae has refused to offer any feasible options. Every supervisor I speak with reads from a script, offering no real solutions, and simply asks if I can pay. 

At this rate, my loan will balloon from {$70000.00} to over {$200000.00}, tripling by XXXX. This feels both predatory and unsustainable. My credit score has significantly dropped due to this loan, and its now preventing me from refinancing with another institution. Ive made every effort to be a responsible borrower, but Sallie Mae is offering no viable solutions, and I am on the verge of having my co-signer file for bankruptcy. 

In addition to the financial burden, Sallie Mae has harassed both me and my co-signer with 3-5 daily phone calls, including calls to both of our workplaces. I am committed to repaying what I borrowed after completing my XXXX XXXX, but I urgently need a solution that takes into account my financial situation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$19000.00}, XXXX XXXX XXXX XXXX XXXX {$4700.00},, XXXXXXXX XXXX XXXX XXXXXXXX {$7300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$14000.00},, XXXX XXXX XXXX XXXX XXXX {$3300.00}, XXXX XXXX XXXX XXXXXXXX {$110000.00}, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$1000.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Mortgage

Caliber Home Loans, Acct # XXXX, is a third-party mortgage loan service that is now committing fraud and harassment on the complainant. This company stated that they acquired the servicing rights from XXXX XXXX XXXX. I have put Caliber Home Loans on notice several times disputing the fact that we don't owe anything on a mortgage and we are presently in litigation concerning this matter. I stated to Caliber Home Loans, that we never entered a contract with XXXX XXXX XXXX as well as them. I stated to them that the Note and Mortgage was canceled. See exhibit A. 

They now continue to harass me about payments while this case is being litigated for fraud. I now believe that XXXX XXXX XXXX Mortgage, XXXX XXXX XXXX and Caliber Home Loans are now in the mist of promulgating a collusion of fraud and predatory loan schemes to take advantage of us, the Complainants.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX  XXXXXXXX XXXXXXXX XXXXXXXX Inquiry date XXXX XXXX XXXX XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX 15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS!

THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit card or prepaid card

I purchased XXXX appliances from XXXX in XX/XX/XXXX and was told I qualified for a rebate. I submitted my request but never received my rebate card. I called several times and was told it was sent out, yet I never received it. In XX/XX/XXXX, I became very ill and was only focused on my health. I am now in the process of recovering and I am in the process of getting my personal affairs back in order. I followed up with myprepaid again in XX/XX/XXXX to find out what the status was. I was informed that my card for {$250.00} expired in XX/XX/XXXX. The rebate was supposed to be for {$300.00} and also I received my appliances in XX/XX/XXXX, so how does a card expire at the same time it was issued? Then the representative stated the card was sent out although I stated several times in my prior calls that I had never received my rebate card. He stated there was nothing they could do as I should have called months ago, yet I explained I actually did call up until XXXX and in XXXX became extremely sick and some days couldn't even move or talk. I requested a supervisor and explained what occurred and he stated he would escalate my claim as he does show the card was never activated nor used. I was told to call back in 10 business days for the results. I have called 4 times as of the date of this claim and keep getting the same response that it was escalated and they have to wait on a response as the money is no longer there. How is something that I was told I qualified for yet never received and notified this company it was never received on numerous occasions and never even activated nor used, no longer there? I am still waiting on a response to the claim that was so called escalated and submitted in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S.Code 1681 ( e ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting 100 % accurate. It lists the child support court as it furnisher that's forgery and misleading when the courts do not report this type of account. I have contacted the court as to which my only child is involved and they informed me this is not them reporting. 

Account name : State of Michigan Office Chi ( incorrect ) Account Number : XXXX ( incorrect ) Blanace is incorrect, Past due amount is incorrect, Last payment date is incorrect, and is reporting as derogatory which is correct.
Product: Credit reporting or other personal consumer reports

Mailed XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX certified mail. 
No answer both above the law. 
XXXX XXXX XXXX XXXX CARD CREDIT CARD Account XXXX reporting a credit card on my credit report please inmediately remove the aforementioned account from Equifax, XXXX and XXXX. That information is incurate the info is inacurated and it was ruled out by the justice department of puerto rico by judgement by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Court case or file number XXXX XXXX SHOULD REMOVE THE ACCOUNT FROM MY CREDIT REPORT INMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Equifax, to monitor my credit score. From XX/XX/2020 to XX/XX/2020, my credit score went down 40 points, but no one at Equifax knows why. For some reason, no one in Equifax Customer Service, even a supervisor ( XXXX ), did not see that change. I am trying to find out why there is a drastic difference in the information I am seeing on my account with Equifax ( XXXX XXXX shows the same score, but I also access directly at Equifax ). There is no internal investigation or ticketing system that I can access via Equifax, to find out why there is a discrepancy. If someone runs my credit right now, there will see a wrong score. Please help!