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

I have been working on my TRANSUNION credit profile and I noticed there is an incorrect addresses on my report. If you can also take a look at my name appearing incorrect as well. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The incorrect names are XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX  and XXXX, XXXX, XXXX. 


The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXXXXXX XXXX XXXX, OH XXXX. With that being said, my correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX. I am also showing an incorrect EMPLOYER of XXXXXXXX XXXX XXXX and there is XXXX XXXX XXXXXXXX showing that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I have a few accounts that have been placed for collections with Evergreen Financial Services. Of those a few of them have been collected via separate writs of garnishment. I recently went to court to have a newer debt that was placed with them validated by the court and was told that I could set up payments for the amount owed. Before I knew it there was a garnishment of my paycheck happening and without a new writ of garnishment. I asaked my payroll department and they forwarded me a document that shows that the writ is a continuation of a writ, but this debt had never been a garnishment to begin with. This made me and payroll think that they were using an old order for a garnishment to withhold on this new debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).
Product: Credit reporting or other personal consumer reports

There are a few collection accounts in my consumer reports that I was NOT aware of and I had sent a dispute to the consumer reporting agencies to get this information removed from my consumer report. It has been 2 months since I have sent them the notice and I have not received a response which makes me question if they are even doing their job. The accounts goes as follows ; XXXX XXXX [ Account # XXXX ], XXXX XXXX XXXX [ Account # XXXX ], XXXX XXXX XXXX XXXX Account # XXXX ]. I will also be submitting a complaint with the cfpb against those collection agencies as they did not follow the procedures of the Fair Debt Collection Practices Act.
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  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. 15 USC 1681 Section 602 A States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 It also states a reporting Agency can not furnish an account without my written instructions.
Product: Checking or savings account

I have banked with Truist Bank for some years with very little issue. I had lost my debit card around the beginning of XXXX, and while my replacement card arrived, I was issued a temporary debit card. During this period, this is where all of my issues began. My temporary card would be frozen nearly after every purchase for suspected fraudulent activity, even as I am on the phone with the fraud prevention team approving the transactions. As the issues continue, I enter a branch in order to resolve the issue and it turns out there was a debit hold on my account. After re-verifying my transactions again after a multitude of times, I finally have success using my debit card. The next day, I enter the branch in order to conduct a regular domestic wire transfer from my account, and I was informed that I could not complete that transaction until the pending deposit on my account had posted. The following day I retry submitting a wire from my account, and I learned from the banker that my checking account is now put on an account hold pertaining to a deposit I had made to the account. I inform the banker the only deposits I make into my account are the regular deposits I make from my cash app and XXXXXXXX XXXX  balances or transfers from my other bank accounts I have consistently made over the past years I have owned a checking account through Truist. She contacts the analyst that is directly involved in my case and inquires as to why my account had been put on an account. We learn from the analyst that the deposits in question had been flagged as fraudulent checks. I had been taken back because, I had never in my life deposited a check into my checking account. When the banker informed me of the amounts of the check and their total, I realized that the items in question were four deposits of money orders I had purchased from USPS a week prior. I immediately informed the banker and the analyst that the " checks '' that the system has flagged as suspicious were indeed payments directly from myself purchased through debit ( the only method to obtain money orders from USPS is cash or debit ) from my own debit card. I showed the transactional evidence from my cellphone showing the exact amounts and locations I had purchased these money orders from. I had been told that If the information I provide is correct, I should receive access back to my own money as soon as possible. Since my account had been put on hold, I have only received mixed messages and misinformation as to the date and time I should receive the disbursement of my funds. It has been a month now, I have received no communication, no email, no letter, and no option for discourse for access back to my own money. The investigation XXXX of Truist Bank has neglected to look into my case and has arbitrarily withheld my own funds to me over the notion to recover funds in case of fraud, but has failed to distinguish between a money order deposit and a check over the course of a month and has costed me the ability to pay rent, purchase food, or continue to produce a living for myself.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Just to start things off, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 

XXXX XXXX : Account number : XXXX, Date open is showing the wrong dates. Investigate, delete or fix date of last payments. 

XXXX XXXX : Account number : XXXX, Date open is showing the wrong dates. Investigate, delete or fix date of last payments. 

XXXX  : Account number : XXXX, Date open is showing the wrong dates. Investigate, delete or fix date of last payments. 

XXXX XXXX : Account number : XXXX, Date open is showing the wrong dates. Investigate, delete or fix date of last payments. 

XXXX XXXX : Account number : XXXX, Date open is showing the wrong dates. Investigate, delete or fix date of last payments. 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 

Tracking all letters. 

XXXX.
Product: Credit reporting or other personal consumer reports

I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunaetly it has been over 30 days and no accounts was updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records 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 information in my credit record that came about due to an alleged fraud or extortion. 
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 card or prepaid card

There is a bug in the Chase XXXX where customer activate cashback offers, they show as activated, but then when you go back to them, they're not activated. It's only a bug in their XXXX XXXX, not on the website. I have brought this issue to their attention repeatedly and have only been met with useless canned copied and pasted responses from their useless outsourced customer service morons. I activated a XXXX XXXX 's cashback offer prior to discovering the bug and then made a purchase. Later I saw that despite my having activated the offer, it showed as not activated in their app. I contacted Chase Customer service and was told it would be escalated and taken care of. This was over two weeks ago. Since then I have contacted them twice and received assurances that it would be resolved. It still has not, over two weeks later
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX XXXX, GA XXXX 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. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts listed above 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. 

*** I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND EQUIFAX DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 

BEST, XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Debt collection

I was signed up for a renewing digital subscription to a newspaper without my knowledge. I never paid for the subscription, went on the website, or read the paper. The subscription then autorenewed in my name, despite me not knowing about it or ever using it, and then they started sending my bills for the subscription to the paper that I had never read. Now, they're sending a debt collector for the {$23.00} bill
Product: Debt collection

the debt i do not owe is on my credit reports for collections paid from papers i filed on site for XXXX want to remain unknown and anonymous and will not show addresses of their businesses for privacythe collection was created falsely after my social security number was on filei got the account information from the hospital staff
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and certain accounts and inquiries listed on my credit report are fraudulent. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following accounts and inquiries from my credit file. These entries were made without my authorization, and I am taking necessary steps to address this matter. 
Accounts to Be Blocked and Deleted 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 XXXXXX/XX/XXXX These accounts and inquiries are the result of fraudulent activities that I did not authorize. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that these entries be blocked and removed from my credit report immediately.

Please confirm the deletion of these accounts and inquiries and provide me with an updated copy of my credit report reflecting these changes.

I expect to receive confirmation of this request and an updated credit report within 30 days, as required by law.

Thank you for your prompt attention to this urgent matter.
Product: Debt collection

I am writing to request your help with Barclays. I dont know what else to do. So I hope to have a fair solution to this issue that this bank has cause on my credit score. I tried to solve this with them on XX/XX/XXXX but they did not respond my dispute, and they did not even investigate the account or mark the account as disputer ( violation under the Fair Credit Reporting Act ). 

The account I am writing about is the following : FTC REPORT NUMBER : XXXX. 
Account : XXXX Date opened : XX/XX/XXXX. Status Closed.  {$0.00} balance. 

I am demanding BARCLAYS BANK DELAWARE to remove this related to fraud item or I will need to take this issue to court. 
This is causing me economic and psychological issues. Please send to Barclays the attached documents. Thank you so much!
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the following accounts, which have been repeatedly challenged and remain unjustly reported on my credit 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 XXXXXXXX ( XXXX ), XXXXXXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), and XXXX  ( XXXX ). Despite prior disputes, these accounts have not been removed, demonstrating clear willful non-compliance with the Fair Credit Reporting Act. Under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a proper reinvestigation and delete or correct inaccurate, incomplete, or unverifiable information. Additionally, 15 U.S.C. 1681n and 1681o establish liability for willful and negligent noncompliance, entitling affected consumers to statutory damages of {$1000.00} per violation. The continued reporting of these disputed accounts obstructs my ability to obtain credit under permissible purposes defined in 15 U.S.C. 1681b and constitutes an ongoing violation of my rights. I demand the immediate and permanent deletion of these accounts to prevent further harm. Failure to act accordingly may result in legal action to enforce compliance.
Product: Debt collection

ERC WENT ON MY CREDIT REPORTS AND KEEPS CALLING FAMILY MEMBERS.. 
CEASE AND DESIST COLLE CTIONS AND CEASE COMMUNICATIONS.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Account : XXXX XXXX XXXX XXXX Account # XXXX I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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, credit repair services, or other personal consumer reports

I have attempted to resolve by phone and by mail XX/XX/2023, XX/XX/2023 to no avail. 

Per the Family Educational Rights and Privacy Act ( FERPA ) as a federally protected consumer, I am now revoking all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 20 U.S.C. 1232g ; 34 CFR Part 99.
Product: Credit card or prepaid card

Attempted to pay via the payment portal websites for each of these store cards : XXXX, Express, XXXX, Torrid, XXXX, & Victorias Secret ; payment website states only same day payments are accepted but will not allow me to login to pay. I can not access my online bill, attempts to call the customer service line to pay over the phone are unsuccessful as the line disconnects shortly after stating that they are undergoing system updates. Comenity Bank has been unresponsive through all social media avenues.
Product: Credit reporting

Over the years ive been looking over my credit, ive noticed inquiries that were once on my report fall off and reappear.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles 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 CFPBs 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 its unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} - Tied up XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} - Tied up XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} - Tied up XXXX XXXX XX/XX/2022 ''
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to dispute a fraudulent account that has been opened in my name or a charge on my existing account. The details of the fraudulent account/charge are as follows : XXXX  XXXX  Account Number ( if applicable ) : XXXX Fraudulent Charge/Account Open Date : XX/XX/2021 Amount of Fraudulent Charge : {$8400.00} I kindly request that you investigate this matter and take immediate action to remove this fraudulent activity from my records. Please also confirm that I will not be held responsible for any debts or charges associated with this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit report that i have filed a police report for gave you the report number nothing was done. gave you identity theft affidavit signed by the deputy, but nothing was done. I told you someone made a fake id, and my information was stolen while i was in jail nothing was done. Next, I'm going to file a lawsuit against you for failure to do proper investigation to see I'm telling truth if it's it not permanently deleted off my report immediately. 
THE CASE NUMBER is XXXX with the XXXX XXXX XXXX XXXX XXXX THEIR NUMBER IS XXXX. 
THE ACCOUNTS ARE ( XXXXOPENED ON XXXX CREDIT LIMIT IS {$600.00} ) ( XXXX XXXX XXXX XXXX OPENED XXXX XXXX CREDIT LIMIT IS {$5000.00} ) ( XXXX XXXX-OPENED ON XXXX CREDIT LIMIT IS {$500.00} ) ( XXXX-OPENED ON XXXX CREDIT LIMIT IS {$5000.00} ) along with all the inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint about TSI - Transworld Systems Inc. I have tried to resolve this numerous times with them myself over the phone but to no avail. 
They claimed numerous times that they mailed me letters but they did not. 
They placed a collections on my credit for {$370.00} a couple months ago already, which is totally bogus. It's a XXXX XXXX bill that they and my insurance from 4 years ago have resolved but yet they put it on my credit WRONGLY. We sent them the insurance info about two years ago when they initially invoiced us but they claim it wasn't accurate bla bla. The insurance company is from 4 years ago and they long closed the case. I disputed it with the credit agencies as well and some have removed it from my credit. There is one or two ( out of the three ) that is still on because TSI claims it is correct, Well, it is totally dead wrong and should be removed. There is no one to talk to at TSI. They never figure out where the dispute status is up to and they never send letters in the mail. I request full legal action against them and to have the collection removed from my credit immediately. 
Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned that my privacy is being violation by Transunion. They are reporting information on my credit report that I never authorized to be on my credit report.