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

On XX/XX/XXXX, I mailed a dispute letter to Transunion via USPS certified mail XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report, as well as incorrect personal information. To facilitate Transunion 's verification of my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address.

However, I received a response from Transunion dated XX/XX/XXXX, stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request.

According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the completeness or accuracy of any item of information in their file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Transunion has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the FCRA.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove theses accounts from my report. They are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two complaints. These two inquiries showed up in my XXXX XXXX report. Both are hard inquiries using my personal information without my knowledge or consent. The first one was made on XX/XX/2023 with XXXX XXXX XXXX for which I believe is a Bank loan. that The address and phone number is listed as follows : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. Phone number is XXXX. The second inquiry dated XX/XX/2023 is Target Fin/TD-PRVTE LABL, with an address of XXXX XXXX XXXX XXXX, XXXX XXXX, SD and phone number is XXXX. 

I personally feel that it is the same two individuals that attempted to secure the previous accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below as a result. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I have federal subsidized and unsubsidized XXXX school loans which were consolidated and are presently serviced by FedLoan Servicing, on behalf of US Dept of Education. I annually recertify my loans under the Public Service Loan Forgiveness program and for Income Based Repayment for partial financial hardship. I am married and have XXXX child ( a daughter ), and my wife and I file our federal and state income tax returns on a separate basis. Based on DOE 's regulatory guidance, the recertification determination under IBR should not need consider the spouse 's financial income or tax information when borrowers are married separate tax filers. However, regardless of this ( which has been orally confirmed by FedLoan representatives ), my most recent recertification application was denied for failure to submit my wife 's income and tax information. The explanation for this as provided by FedLoan was that the form supplied by DOE is defective. I have been advised that I could just say that I " do not have reasonable access to my spouse 's information. '' However this would be a falsehood as we are married, and we reside in the same domicile. This is inequitable and requires a logical, consistent solution.
Product: Mortgage

They cancelled our first mortgage assistance request saying we didn't submit documents back in a timely manner. Everything that was requested when I received was submitted ASAP so that we didn't delay the process. I finally resubmitted our package and gave them all the docs they initially requested for but now they are saying it could take up to 30 days. We don't have 30 days before our mortgage goes delinquent. We just need some help and time to get back on our feet. I am starting a new job and my husband picked up a part time job to keep us afloat but if we can please get some help so we don't go into default, that would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Debt collection

The debt is showing on my Credit Report with a {$0.00} balance.
Product: Credit card or prepaid card

I filed an original complaint. The company did acknowledge one of two unauthorized charges and refunded me {$850.00}. I filed another complaint ( XXXX ) regarding the company 's refusal to acknowledge and reimburse me for the second unauthorized charge of {$230.00}. 

The response to my second complaint only acknowledges them refunding me the {$850.00} and not the {$230.00}. They are totally ignoring my second unauthorized charge. 

My previous complaint read I had filed an original complaint regarding US Bank Relia Card ( XXXX ) regarding unauthorized transactions. Someone had stolen my Relia card and made two purchases using my card. One from XX/XX/XXXX in the amount of {$850.00} and One from XXXX in the amount of {$230.00}. Both transactions occurred on the same day ( XX/XX/20 ). After numerous phone calls I did receive reimbursement for the XX/XX/XXXX transaction however I never received reimbursement for the XXXX transaction. The response letter from US Bank Relia Card that you received for the prior complaint ( XXXX ) states that they did refund me {$850.00} for the transactions. This is not correct. It was for one of the transactions. I have yet to receive the {$230.00} for the second transaction. I have called the bank numerous times only to be told my case has been closed and all monies refunded. Again this is incorrect. I am still owed {$230.00} for the unauthorized XXXX transaction. I filed a report with the XXXX XXXX Police Department in XXXX, PA the same day that my card was stolen and they have both transactions listed in their report with the unauthorized amounts.
Product: Credit card or prepaid card

Account under XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Currently I'm having problems with premier credit card. For long period of time I've been trying to lower down my internet with this company. So I can pay them off finally. I noticed most of my payments is just basically going to interest and bailing nothing is going to principal. I tried to negotiate a monthly payment that I could afford that will allow me to pay off this credit card faster. However I'm denied each time. I currently hold two credit cards with this company.. which I would like to merge into. And just make one payment and pay them off. 

I try to see many ways with this credit card company, to work more out with a payment plan and lower it down the rates in order for me to pay this off. Only this company will not work with me. However, they keep increasing the minimum monthly payments that is causing me problems to keep up. Knowing I can not really afford that. Which is causing me financial problems in the long run. I need this credit card company to work with me on both of my credit cards with them. 

With the interest rates being so completely high it's making it impossible for me to keep up.. it's causing me problems financially..
Product: Credit reporting or other personal consumer reports

Subject : Violation of Federally Protected Consumer Rights- Request for Intervention I trust this letter finds you well. I am writing to bring to your attention a matter of grave concern regarding the compromise of my personal information due to the XXXX data breach. 

As I understand, you are already aware of the ongoing case related to this issue. I want to formally notify you that I am a victim of the XXXX data breach, and I have taken steps to alert Experian about this situation. Unfortunately, my attempts to rectify the matter with Experian have been futile, as they have not taken any action. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681, the list of accounts detailed below has violated my federally protected consumer rights to privacy and confidentiality. 

I seek your assistance in ensuring that my credit reports are accurate and free from any unauthorized or illegal entries resulting from the XXXX data breach. Please follow up and facilitate the removal of these items from my credit reports with either Experian or XXXX, as they may be reporting accounts that were included in the XXXX credit report. 

I want to emphasize that my information was sold and bought illegally due to the XXXX data breach, as confirmed by XXXX themselves. I am attaching proof of XXXX 's acknowledgment of my victimization in this data breach. Despite this admission, XXXX has not taken the necessary actions to rectify the situation. 

I hereby request your intervention to expedite the removal of these unauthorized and illegal accounts from my credit reports immediately. I am providing a list of the negative accounts along with their names and account numbers as reported on the XXXX credit reports for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX As per 15 USC 1681i ( 5 ), consumer reporting agencies are mandated to modify accounts that are not reporting information correctly. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) explicitly states that 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. 

Thank you for your prompt attention to this matter, and I trust that your intervention will lead to the resolution of these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Inquiry Date XX/XX/2021
Product: Debt collection

On XX/XX/XXXX, I started receiving phone calls from a XXXX XXXX " XXXX XXXX '' is what they called their selves, claiming that they are going to sue me for an HSBC account that I have no knowledge of. They have called my wife and left messages stating that I am currently being investigated and need to call XXXX and reference # XXXX. I attempted to reach the XXXX who are now claiming to be from XXXX XXXX   and they were very unprofessional. They started to call my brother and sisters cell phones telling them that I am being investigated and will be sued if I don't comply. I called them again on XX/XX/18 and was told that I could not request them to cease and desist called to my cell phone or to my relatives. I asked for a manager and the account representative advised that there was no one available. She refused to provide me any details about this account that they are claiming I owe. I advised them that I would file a claim against their business for harassment and defamation of character and again, they refused to stop the harassing calls.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report, as the details listed below do not pertain to me. I request the immediate removal of this inaccurate data. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Account information : Original Creditor-Overlook at XXXX XXXX XXXX XXXX XXXX XXXX  ) - XXXX  ( XXXX ), XXXX ( XXXX ) According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Transworld Systems Inc is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Transworld Systems Inc, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transworld Systems Inc whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Transworld Systems Inc never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Not only have they violated the Fair Credit Reporting Act, they also violated the Privacy Act of 1974 under 5 U.S. Code 552a.
Product: Money transfer, virtual currency, or money service

I am writing to formally express 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 failed to investigate my claims adequately. they informed me that covering loss 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 allow repeat offenders to exploit the system, leaving users vulnerable to scams. With using this function It has put my account in the negative which is then got my account closed. Which has put me in hardship.
Product: Credit reporting or other personal consumer reports

Failure to Comply with Cease and Desist Letter Under 15 U.S.C. 1692 ( c ) of the FDCPA I am submitting this complaint because I sent a cease and desist letter to [ Debt Collector/Agency Name ] under 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), requesting that all communications regarding disputed accounts cease. Despite this, the accounts in question are still being reported on my credit report, which I believe violates my rights under the FDCPA and possibly the Fair Credit Reporting Act ( FCRA ). 

The accounts are inaccurate and should not be included on my credit report. I have taken the following actions : I Sent the cease and desist letter on XXXX via certified mail to ensure receipt. 
Included specific disputes about the accounts and provide all necessary supporting documentation. 
To date, these accounts remain on my credit report, which has caused continued harm to my credit standing and financial well-being. This is a violation of both my right to have accurate credit reporting and to limit communications about disputed debts. 

I request that the CFPB investigate this matter and take appropriate action to ensure the collector complies with the FDCPA and that the inaccurate accounts are promptly removed from my credit report. 

Thank you for your assistance. 

Additional Information : Debt Collector/Agency Name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are not responding to my letter I sent and I've sent multiple letters to them. On XXXX I sent a letter to the credit bureaus because there inaccurate information and items on there that i'm not familiar with and its past 60 days and I've yet to receive a response. I know due to covid there may be some delay but there is no way it should take this long. I found out that their failure to investigate the items within a specific time period ( 30 days ) to research and respond per Section 611 ( a ). It has been over 60 days they should be deleted from my credit report. I recently pulled my report and saw the inaccurate information and it is crazy that they are not responding. This is stressing me out and I'm hoping you can help so i don't have to file for litigation because their failure to respond. My information may be used by someone due to the equifax data breach. Please help me get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not me. I had identity theft 2 years ago. They did this. Please remove it
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX XXXX and I am writing to dispute inaccurate and unauthorized information on my credit report, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I did not authorize XXXX, XXXX, or Equifax to include the following accounts on my report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The open dates XXXX dates of last activity, and other details for these accounts are incorrect. Under 15 USC 1681i ( 5 ), credit reporting agencies must modify any inaccurate or unverifiable information on a consumer 's report.

Furthermore, including these accounts without my consent violates : - 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization - 15 USC 1681c ( a ) ( 5 ), which limits reporting adverse information over 7 years old - 15 USC 1681s-2 ( a ) ( 1 ), which prohibits furnishing known inaccurate information Additionally, repeatedly contacting me about these alleged debts at my place of employment violates 15 USC 1692c , which prohibits communication at an inconvenient time or place. Contacting my family members about these debts violates 15 USC 805 ( b ), which prohibits communication with third parties.

I request that you immediately delete these unauthorized accounts from my credit report to ensure accuracy and compliance with the FCRA. Please provide me with an updated report reflecting this correction. Accurate credit information is essential for me to obtain credit and employment, and I appreciate your prompt assistance in resolving this dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX15 U.S.C 1681 sec
tion 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.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX  - XXXX XXXX XXXX, XXXX # XXXX & XXXX - XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquires on my XXXX, Transunion and XXXX report. I have sent them a letter stating these inquiries were not authorize by me and to please have them removed. They have yet to remove the unauthorized inquiries. I totally understand under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. 
The FCRA states that the only permissible purpose for pulling someones credit is for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order
Product: Debt collection

I have submitted a dispute several times for XXXX XXXX and XXXX XXXX XXXX ( XXXX ) : 1. I have never had cell phone service with XXXX XXXX. 

2. XXXX XXXXXXXX XXXX XXXX XXXX XXXX is not an account in my name. This account belongs to XXXX XXXX XXXX. My name does not even appear on the bill.
Product: Money transfer, virtual currency, or money service

My brother from XXXX sent money for me from XXXX by wire transfer he sent XXXX in a US dollar currency to my bank account here in TD bank In New Jersey, the money came here as {$4700.00} and plus they charge me XXXX $ wire transfer in different transaction, I called and complain, customer service left me in hold for around 2 hours, their answer is they see money transfer in us dollars but it changed to XXXX dollars then changed again to us dollars, I don't know why and they can't help me to dispute or to ask why, please help