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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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: Money transfer, virtual currency, or money service

Dear Sir/Ma'am Your assistance is needed in the recovery of approximately XXXX XXXX XXXX  dollars from fraudulent ACH transfers through my bank Alliant Credit Union XXXX The incident has been reported to my bank on XX/XX/year>, but I would like to file a formal complaint to the relevant law enforcement agencies for review and record keeping. Please help disseminate the information provided to the appropriate law enforcement authorities for investigation. Thank you for your assistance. 
Unauthorized ACH transfer out of my Alliant Credit Union saving accounts on XX/XX/year> totalling {$35000.00} in 4 separate ACH transactions. 
- {$9900.00} - {$9900.00} - {$9900.00} - {$6000.00} Unauthorized ACH transfer out of my Alliant Credit Union checkings account on XX/XX/year> totalling in 2 separate ACH transactions. 
- {$14000.00} - {$4000.00} As the primary account holder, I never received any fraud alerts from Alliant Credit Union, so I am requesting your assistance in getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  XXXX XXXX has an account listed that was opened in XX/XX/2014 this account is also listed on transition as well as a collection account from H & R accounts this account was opened by me however they had the wrong social security number when I called them and corrected the number they immediately closed the account and turned it over to H & R accounts a collection agency I paid off the account and have requested they remove the account information immediately they have refused, I feel that since this is paid and the error was theirs it should be removed completely.
Product: Money transfer, virtual currency, or money service

Hello I am 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 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

submitting this complaint regarding several closed accounts on my Experian credit report that are negatively impacting my credit score. Specifically, I would like to dispute the Apple Card account issued by XXXX XXXX XXXX XXXX, which was charged off without my knowledge despite my repeated efforts to seek assistance due to financial hardship. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Charged Off Date Opened : XX/XX/XXXX Date Closed : Unknown Charge-Off Amount : {$5700.00} Past Due Amount : {$5600.00} as of XX/XX/XXXX Last Payment Date : XX/XX/XXXX I was unaware that my account was being charged off, and I had attempted multiple times to contact XXXXXXXX XXXX XXXX to request hardship assistance due to financial difficulties. Despite my attempts to negotiate a payment plan or seek relief, the bank failed to provide any meaningful options or notify me properly before charging off the account. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2, furnishers of credit information must ensure the accuracy and completeness of the information they report. If a consumer disputes an account, the reporting entity must investigate and correct any inaccuracies. Since I was not properly notified or given an opportunity to resolve my account, I believe this charge-off should be removed from my report. 

Additionally, under the Equal Credit Opportunity Act ( ECOA ) 15 U.S. Code 1691, creditors are required to provide equal access to assistance during financial hardships. By failing to offer hardship options or properly communicate my alternatives, XXXXXXXX XXXX XXXX may have violated these protections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXXXXXX ( Closed, Never Late ) Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Credit Limit : {$1300.00} XXXX XXXX XXXX XXXX XXXX Never Late ) Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Credit Limit : {$400.00} Although these accounts were closed in good standing, they are still negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c, outdated negative information should not be reported. Since both of these accounts were closed at my request and never had late payments, they should not be included in a way that harms my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is is it taken more than 4-6 months and i still haven't received the responses???? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your notice the following information added to my credit report falsely added to my credit report without my pier knowledge. The mention details are incorrect and the account are under business name and they submit the charge off under my name. 
I request you to revise the report after deliguns. I request you to clear my credit report as soon as possible to help me continue business. 
Report # XXXX. # XXXX. 

XXXX XXXX Last four digits of Social Security XXXX XXXX XX/XX/XXXX XXXX charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility XXXX name XXXX XXXX Account XXXX XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$640.00} past due as of XX/XX/XXXX. 



XXXX name XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$15.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXXXXXX 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I disputed these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my credit reports from XXXX, XXXX and Equifax, I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! 
With that said, I refute their allegations and challenge them to provide proof that they have the right to report this incomplete negative information about me. Documents that they have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, they must remove them from my report. Per 15 U.S.C 1681e 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 Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, the credit bureaus must follow the Metro 2 compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in their reports and I have invoked my rights to dispute/challenge these inaccurate and non-compliant items. If XXXX, Equifax and XXXX continue to report claims that are not perfect, it shows that they do not care about my rights as a consumer. I don't think it's fair for them to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting. The following claims about me were not reported correctly and do not meet federal requirements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Account # XXXX Name of Account : XXXX XXXX  XXXX Subject : Urgent Request for Removal of Inaccurate Collection Entry Dear TransUnion Dispute Department , I am writing to formally request the immediate removal of an inaccurate collection entry currently being reported on my credit report. I previously disputed this entry with TRANSUNION AND both XXXX and XXXX, and they have both confirmed that this collection was deleted from my credit reports due to its inaccuracy. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information, and as you are aware, TransUnion is required to comply with FCRA regulations. Specifically, the FCRA mandates that when a dispute results in the deletion of an entry from one credit bureau, other bureaus must reflect the same updates to ensure accuracy across all credit reports. 
The relevant sections of the FCRA that you are currently in violation of include : FCRA 611 ( a ) ( 5 ) ( A ) : This section requires credit reporting agencies to delete or correct information that can not be verified as accurate.

FCRA 611 ( a ) ( 6 ) ( B ) : This section mandates that when information is found to be inaccurate or incomplete, it must be removed or corrected by all reporting agencies.

FCRA 623 ( a ) ( 2 ) : This section states that furnishers must ensure the accuracy of information reported to credit bureaus, and when a dispute has been resolved by one bureau, it is the responsibility of all bureaus to correct or delete the inaccurate information.

The presence of this erroneous collection entry is causing undue stress and potential harm to my creditworthiness. Therefore, I am requesting that TransUnion remove this inaccurate collection entry from my credit report within 10 calendar days of receiving this letter. 
Please confirm the removal of this entry in writing to the address listed above or via email at XXXX. Failure to address this issue promptly will compel me to consider further actions to protect my rights under the FCRA. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card

I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per XXXX XXXX, I am formally requesting their removal within the next XXXX days. Relevant documents are attached for your review.
Product: Credit reporting or other personal consumer reports

Sent a letter to Equifax XX/XX/23 and XX/XX/23 asking them to remove this account from my report. I never applied or authorized anyone to use my name. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) on file of the account. They have yet to respond to my request with showing my signature. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the account listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new & updated information on TRANSUNION, XXXX, and XXXX. Someone is using my identity to furnish items on my behalf. TRANSUNION, XXXX XXXX XXXX don't have permissible purpose pursuant to 15 USC 1681b. On XX/XX/22 I filed an identity theft report with the fraudulent accounts attached and sent it to them. TRANSUNION received it on XX/XX/22, XXXX received it on XX/XX/22, and XXXX received it on XX/XX/22. Theyre in violation of 15 USC 1681c-2 for failing to block the reporting of the fraudulent items 4 days upon receipt. I will attach my Identity theft report and my proof of identity along with my statement of identity so no further stalling tactics will be used by them. They have all the identification they need to remove these items from my consumer report. 

They= TRANSUNION XXXX XXXX XXXX and XXXX Them= TRANSUNION, XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a decrease in my Transunion score and I went to their site and notice several information in which I corrected via dispute. Then I tried to go back and disputed the -55 decreased in score which their system did not allow, so I started a chat chatted with agents ( XXXX ), after chatted with the first one she could not assisted and terminated the chat. So, I saved the chat contents and I started again with agent XXXX and after I submitted my question that one ended the chat, our need to know and accuracy of information they have is/are questionable. This is a ridiculous since I am to finance a condo for me. Please help, thank you
Product: Student loan

I have an XXXX loan that is now with AES. I have a graduate loan that is now with XXXX. I am trying to get the loan that is with AES to be registered on the student loan.gov website so I can accurately develop a payback plan. The loan with AES originally dates back to XXXX. I consolidated it with my husband at the time ( who died in XXXX ). Because he was a deadbeat, after our divorce, I was the only one who paid back our student loans. There were times I had to put the loans in forbearance or deferment because I didn't have enough money to make the payments. I have been paying on this loan for years and my balance is still growing and growing. I declared bankruptcy in XXXX, and my attorney said that student loans were not covered in the bankruptcy. I'm trying to get copies of the documents from this bankruptcy to see if they were even listed as a debtor. 

I want to consolidate my XXXX and XXXX  loans and get on the payment plan for PSLF. I have been employed at non-profit organizations since XXXX. However, I don't want to consolidate them if I'm eligible to have the loans forgiven because of how long I've been paying on them or for any other reason. I don't trust the loan companies. I feel like every time I've spoken to AES, they give me incorrect information because they don't want me to know what I'm truly eligible for. I just want straight answers, and I want to pay back the loans without constantly seeing my balance increase despite my payments. Can someone please help me? 
XXXX
Product: Credit card

I have sent SYNCBXXXX XXXX XXXX and opt out letter there for they should not be providing non public personal information to any 3rd party. XXXX XXXX and XXXX are all 3rd parties. SYNCB has also stated that they dont provide personal information to 3rd parties and in this situation they have. The privacy act of 1974 has been violated on so many levels. per 15 usc 6802 and 15 usc 6805 and 16.cfr. 313. 7 has been violated.I have disputed the information from SYNCB/XXXX  XXXX XXXX with XXXX, XXXX and XXXX several times. The credit reports are updated with inaccurate information in which XXXX, XXXX and XXXX has been made aware of on several occasions. When I asked to receive the information on how it was verified I don't receive anything. The latest dispute with XXXX was this year XXXX. Started disputing with XXXX in XXXX and they are also reporting transaction history in which the law states is illegal. XXXX they just notated the report saying, " Consumer disputes after resolution. '' It is also showing on the credit reports that the account is charged off. A charged off is considered a certificate of indebtedness which means it is income and income must be removed. The law also states it is illegal to report transaction history. despite me attempting for years with XXXX XXXX and XXXX about the information on the reports they have opted not resolve this. SYNCB has been informed and also chooses not to follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open 2 accounts XXXX XXXX & XXXX opened XX/XX/ 2018 and XXXX opened XX/XX/2018. I  contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau or creditors. They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, close and delete these 2 accounts and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Product: Debt collection

After I asked if I could make a smaller payment day of call and set up automatic payments each month the person on the phone said no they wo n't accept it and that they can serve my husband with a lawsuit even though he 's not on the debt because we live in California they are allowed to do that and also place a lien on my house even if the house is in my husbands name. The person said if I do n't pay the full amount that they will have to choose to take that action and sue my husband for the debt. I was told repeatedly they will do that and are able to because of the state I live in.
Product: Debt collection

Conns XXXX XXXX keeps calling my phone to try to get their payment for my washer and dryer. I have no problem paying for my items as Ive previously stated to them. My account is on auto debit but for some odd reason, the payment never goes thru, even tho there are funds in the account. As of today, XX/XX/XXXX, I have been called by Conns nearly every 30-45 minuteseach time from a different number. On Sunday XX/XX/XXXX i was called 7 times between 1pm and 5:17pm!!! Its ridiculous! No voicemail is ever left, no emails are sent. I have asked them to please stop calling my phone repeatedly as I am a XXXX  in the ER, and having my phone ring this frequently interrupts my ability to care for my patients. Just since 7am today, I have been called 7 times. Please do something because this amount of calling is harassment and is interfering with my job.