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

Recently I looked at a copy of my Credit Report and notice severe inaccuracies in my account, XXXX ( XXXX XXXX credit card ) # XXXX Transunion ( XXXX XXXX credit card ) # XXXX XXXX ( XXXX XXXX credit card ) # XXXXXXXX XXXX ( XXXX XXXX XXXX ) # XXXX Report my name incorrect and address In According with the Fair Credit Reporting Act 15 USC 1681 Section 602 A The personal information inaccurate must be Removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. The List or 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, 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: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$43000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : TransUnion XXXX XXXX XXXX XXXXXXXX XXXX This is further complaint and follow up to the above indicated reference numbers. 

XXXX XXXX XXXXXXXX and TransUnion keep ignoring my requests backed up with the laws concerning placing inaccurate informations on my credit report harming my personal credit in making financial decisions. XXXX XXXX  XXXX and TransUnion keep violating my consumer rights and the following laws : 15 USC 1681 Section 604A Section 2.

15 USC Code 5 1681b.

15 USC 1681 Section 602. 
Thus, XXXX XXXX XXXXXXXX and TransUnion both challenging the LAWS of consumer protections and both act in defines in providing adequate action to remove inaccurate and NO proofs ( written ) by consumer. On this occasion I the consumer lend a final demand for the XXXX XXXX XXXXXXXX and TransUnion to REMOVE inaccurate information from my report and I seek to use the LAW : 15 USC 1681n {$1000.00} each.
Product: Debt collection

I am unaware of this debt. I was not given proper notification of this debt to dispute the information, mainly because I did not open an account with this company. I have an identity theft affidavit from the FTC and a police report stating that this debt was not opened by me or I did not give any individual consent to open this account in my name. If you believe in fact that I own this debt, please send me original contract containing my signature stating that I opened this account, or a copy of the certified mail receipt that has my name and signature on it.Also, please provide the method you used to validate that this debt belongs to me.
Product: Debt collection

They are not licensed to collect in the state of MD. I will upload their information for proof!
Product: Debt collection

My account was charged off and sold to Midland Credit Management. Midland Credit Management has become the servicer of this account. As a result, all payments and correspondence should be directed to : Midland Credit Management XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Michigan XXXX ( XXXX ) XXXX Midlandcredit.com If you have any questions about this account, please contact Midland Credit Management at ( XXXX ) XXXX and speak with XXXX of their specialists for assistance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Payday loan, title loan, or personal loan

I made my first payment with netcredit on XX/XX/XXXX. The monthly payments were fixed at XXXX. The last payment was due XX/XX/XXXX. I noticed on the breakdown of principal and interest that large amounts of interest were still being taken out well after 16 months of the loan. The following is a breakdown of payments in principal and interest : XX/XX/XXXX {$250.00} {$98.00} {$150.00} {$2000.00}XX/XX/XXXX {$250.00} {$36.00} {$210.00} {$2000.00} XX/XX/XXXX {$250.00} {$40.00} {$210.00} {$1900.00} XX/XX/XXXX {$250.00} {$0.00} {$250.00} {$1900.00} please note 0 % went to principal XX/XX/XXXX {$250.00} {$36.00} {$210.00} {$1900.00} XX/XX/XXXX {$250.00} {$0.00} {$250.00} {$1900.00} please note 0 % went to principal XX/XX/XXXX {$250.00} {$45.00} {$200.00} {$1900.00} XX/XX/XXXX {$250.00} {$52.00} {$190.00} {$1800.00} XX/XX/XXXX {$250.00} {$10.00} {$240.00} {$1800.00} please note only {$10.00} went to principal XX/XX/XXXX {$250.00} {$59.00} {$190.00} {$1700.00} XX/XX/XXXX {$250.00} {$65.00} {$180.00} {$1700.00} XX/XX/XXXX {$250.00} {$72.00} {$170.00} {$1600.00} XX/XX/XXXX {$250.00} {$37.00} {$210.00} {$1600.00} please note only XXXX went to principal XX/XX/XXXX {$250.00} {$83.00} {$160.00} {$1500.00} XX/XX/XXXX {$250.00} {$52.00} {$190.00} {$1400.00} please note only XXXX went to principal XX/XX/XXXX {$250.00} {$97.00} {$150.00} {$1300.00} XX/XX/XXXX {$250.00} {$100.00} {$140.00} {$1200.00} XX/XX/XXXX {$250.00} {$86.00} {$160.00} {$1100.00} XX/XX/XXXX {$250.00} {$120.00} {$120.00} {$1000.00} XX/XX/XXXX {$250.00} {$140.00} {$100.00} {$900.00} XX/XX/XXXX {$250.00} {$130.00} {$110.00} {$770.00} XX/XX/XXXX {$250.00} {$160.00} {$80.00} {$600.00} XX/XX/XXXX {$250.00} {$170.00} {$78.00} {$430.00} XX/XX/XXXX {$250.00} {$200.00} {$44.00} {$220.00} XX/XX/XXXX {$250.00} {$220.00} {$23.00} {$0.00} it is only in XX/XX/XXXX that there was more paid to principal. I called and they could not give me an explanation. I was put on hold several times. Then they said it was in my contract about the way payments are structured. There is nothing in my contract that refers to how principal and interest are applied. I have always had loan in which the longer you make payments the more principal is applied to the payment amount. currently, I have been on hold well over an hour because I am trying to make a large payment and I want to make sure it is applied to principal. I think they have blocked my number. I am on XXXX. to have made payments where 0 % is applied to principal is outrageous and predatory. I have no idea how to handle this situation.
Product: Debt collection

Never received a written notice of debt. I didn't know the company existed until they report to my credit without receiving a written notice.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my grave concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit, which exposes significant and troubling issues with the platform. Despite my numerous reports of discrepancies after using Zelle, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings reveal that Zelle has not only failed to protect consumers but has also permitted repeat offenders to exploit the system, leaving users highly vulnerable to scams. This gross lack of accountability and transparency is utterly unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX  Account Number:XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX VIA DEALER XX/XX/year> - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XXXX XX/XX/year> - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XX/XX/year>- The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XXXX XX/XX/year>- The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XX/XX/year>- The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!
Product: Credit card or prepaid card

I requested a credit product with LOWE 'S Commercial and my request was denied. On XX/XX/ Lowe 's Home Centers, LLC. Mailed my a denial letter, the recipients mailing address my mailing address didn't have a name but it did have my security number visible to everyone. This is a major problem as I'm already dealing with Identity theft.
Product: Credit reporting or other personal consumer reports

I have tried to dispute items on all three credit bureaus and haven't had any of them respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery : They keep adding an old account to my credit report as a current account and as an open account when it has been closed for several years, and changing the date that the account was opened, when the account is actually over XXXX years old, they do not even list an account number because it is too old. 

account of XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Ohio XXXX
Product: Credit card or prepaid card

These are charges that were fraudulent and citibank investigators concluded that I'm responsible for the charges. 
I notified Citi in XXXX and clearly stated that I did not make those charges in XXXX Georgia and purchase New York. 

XX/XX/2019 XXXXXXXX XXXX XXXX XXXX NY {$10.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX  XXXX NY {$43.00} XX/XX/2019 XXXX   XXXX  XXXX GA {$66.00} XX/XX/2019 XXXX XXXX XXXX XXXX GA {$640.00} XX/XX/2019 XXXX # XXXX XXXX GA {$750.00} End of activity Total activity Statement closed XX/XX/2019 {$1500.00} {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so upset about the investigation of a dispute I have sent in to Transunion. I have verifiable proof of a deleted account from the vendor they use to verify public records and they are not acknowledging it! This incorrect information that Transunion is reporting has been such a hinderance to my livelihood. 
I have received a letter from XXXX stating that they removed a bankruptcy that was reporting on my credit file. I sent in the dispute letter to Transunion in which they received on XX/XX/21. On XX/XX/21, I received several letters from Transunion stating that my dispute was complete and verified as accurate, another stating that the dispute would be completed on XX/XX/21, and another one providing me with my credit report. When I called in and requested a description of the procedure used to determine the accuracy and completeness of disputed information, they would not send it to me, which is a violation of my rights according to the FCRA. After several phone calls, XXXX from the XXXX, PA office said they verified the bankruptcy from XXXX on XX/XX/21. I called XXXX and spoke with XXXX XXXX who verified that Transunion has not been in contact with them. She also verified that there was not a bankruptcy reporting on my consumer file. On Transunion 's website they confirm that they verify public records from XXXX. I have valid proof that I do not have a bankruptcy and that this information is reporting inaccurately!
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. There is a huge disparity between all 3 reports ... ... some items were removed some were not ... ... I have never filed Bankruptcy ... .I have proof from the courts that they don't supply any information to any 3rd party so were did the bureaus get this information? I am prepared to go as far as I need to get my life back together!
Product: Debt collection

MY NAME IS XXXX XXXX, I JUST FOUND OUT THAT THESE MEDICAL RECORDS ACCOUNTS WAS OPEN UNDER MY NAME THESE ARE FRAUD ACCOUNTS THAT I NEVER USE THIS MEDICAL COMPANY OR FACILITY I NEVER USE I HAVE A XXXX XXXX XXXX XXXX XXXX FOR LOW INCOME FAMILIES I HAVE DISPUTING BOTH IF THESE MEDICAL BILLS THAT WAS OPEN UNDER XXXX PRETENDS FRAUD ACCOUNTS I AM A VICTIM OF IDENTITY THRIFT CRIME VICTIM WHERE MY WALLET ETC WAS TAKING FROM ME BY STATE LAW I AM NOT RESPONSIBLE FOR THESE ACCOUNT ACCOUNTS THAT WAS FALSELY AND FRAUD UNDER MY NAME I HAVE NO KNOWLEDGE OF THESE ACCOUNTS TILL XX/XX/2019 WHEN I WAS Contacted BY XXXX OF THEIR DATA BREACH
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase/JP Morgan bank has me listed as being deliquescent on a credit card in which I have never owned. I have never had an account with Chase Bank and have never lived at the address linked to the account.
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.

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 ) SectioXXXX States : no consumer reporting agency XXXX 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: Vehicle loan or lease

Vehicle was repossessed and sold I do not owe balance on vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw that Transunion is reporting an account with XXXX XXXX closed inXX/XX/2020 that I have no knowledge of. I have never been contacted by this collection company regarding any said account via XXXX. This company is reporting false debt balances, information, or re-aging ... or a combination of all and Transunion is illegally reporting false info and thus ruining my credit.
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 XXXX XXXX XXXX. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have a mortgage with Freedom Mortgage corporation that was purchased from XXXX XXXX XXXX. During this time they have increased my payment by {$1000.00} a month that I am not longer able to afford. They says it was due to a shortage in taxes. I have documentation where all taxes were paid and they are paid in full. They will not lower my mortgage payment back to the original amount. I can no longer afford no qualify for this loan amount and I have done nothing wrong.
Product: Credit reporting

This issue is with TranUnion. I originally requested my annual free credit report from all XXXX agencies, XXXX requested additional identification, so I sent a copy of my social security card, my New York XXXX ID card and New York XXXX Medicaid card. With Trans Union I have also send a copy of my Veterans Medical Picture ID card. 
TransUnion has been the only one that has denied to send my credit report three times. 
I have no more id 's to send them. 
There are many incorrect credit items in my other reports and TransUnion is preventing my from correcting them. 
Can you please help me get my credit report from TransUnion? 
thank youXXXXXXXX XXXX
Product: Credit card

On XX/XX/XXXX XXXX they took out {$6000.00} out of my account and theyre only supposed to take out a monthly fee which is littler but over XXXX dollars. I asked for a reversal which they said they did thats been a whole month ago. Ive been waiting for my money for a whole month and when I called today on XX/XX/year> they said that they couldnt do anything because the payment was supposed to be processed on the seventh, but it was processed on the ninth instead. Which calls the credit line to drop
Product: Credit reporting or other personal consumer reports

Since XXXX of 2024 I haven't been able to view my credit report online this problem has been going on for 9 months and I keep contacting Transunion and no one knows what's going on. I want to be able to view my credit report online at my convenience and for some reason Transunion is not allowing me to view my credit report. I tried pulling my transunion report through annual credit report. com and I also cant see my transunion credit report on their website. Please fix this issue asap as I need to view my profile online!
Product: Debt collection

To start the apartment complex back in 2016 sent me paperwork with the wrong amount and wrong name listed. SO I tried to contact them to get this corrected and got no response. It then got sent to IQ data who I recently tried to communicate with to settle the account and was treated very poor. A manager by the name of XXXX XXXX cut me off and hung up on me, when I called back to ask for his manager I was advised there is no need to speak to different managers in regards to the account. I am trying to settle my account before I process my bankruptcy due to financial and medical hardship. The manager stated that this month out of the year is the lowest they are able to settle accounts for which makes no sense why it matters what month it is. Also when I was trying to explain my situation he spoke over me and told me they aren't scared of my threat of bankruptcy and hung up. I was not threatening anyone but trying to explain what ii am doing to try and settle an account.