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

Here is the revised letter based on your request : XXXX A XXXX XXXX XXXX XXXX XXXX, unit XXXX XXXX TransUnion Litigation Department [ XXXX XXXX XXXX XXXX # XXXX XXXX, Ga, XXXX ] To Whom It May Concern, I, [ XXXX A XXXX ], as a consumer and natural person, am fully aware of my rights protected under the Fair Credit Reporting Act ( FCRA ), enacted by XXXX to ensure fairness, accuracy, and the protection of consumer privacy. I am writing to formally address the violations of my federally protected rights under XXXX XXXX XXXX by TransUnion and XXXX XXXX. 

It has come to my attention that XXXX XXXX has reported my private and personal information without my explicit consent, a clear violation of 15 USC 1681 ( a ) ( 6 ) ( B ) ( iii ). Additionally, TransUnion has assumed the role of assembling and reporting information about me, but has done so in a manner that fails to adhere to the fairness, accuracy, and equitable practices mandated under the FCRA. 

Specifically : XXXX. XXXX XXXX provided my information without my permission or permissible purpose, as required under 15 USC 1681b. 
XXXX. TransUnion has unlawfully shared and sold my personal and private information to third parties, including XXXX and XXXX, without my consent or notification. 
XXXX. Today, I received three dispute results that were opened without my authorization by TransUnion. These disputes were also handled improperly, as TransUnion failed to supply the previously requested and mandated verification documentation, as well as the specific investigation procedures required by law to accompany statements of verification. 

As the consumer and natural person, I am invoking my rights under the FCRA and demanding the following actions be taken immediately : 1. Cease and desist reporting of the XXXX XXXX account to all consumer reporting agencies. 
XXXX. Remove all reporting of the XXXX XXXX account from TransUnion, XXXX, and XXXX databases. 
XXXX. Provide documentation and detailed information on the unauthorized disputes that were initiated, including the investigation procedures and supporting verification materials. 

Failure to comply with these demands will serve as evidence of willful and deceptive violations of the FCRA, as well as infringements on my rights to privacy and confidentiality under federal law. Please treat this letter as a formal Cease and Desist notice. 

I expect a timely response within 5 days addressing all the demands and providing the appropriate verification documents as stated and mandated above. Should TransUnion fail to resolve this matter, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), pursue legal remedies, and seek damages for the violations of my federally protected rights. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Debt collection

I have previously requested verification of the debt in writing, yet the agency continues collection efforts and negative credit reporting without proper substantiation. Specifically, my complaints are as follows : 1. Failure to provide adequate validation of the debt upon my request. 
2. Continued attempts to collect a potentially inaccurate or unverified debt. 
3. Reporting inaccurate or unverifiable information to credit bureaus, harming my credit profile. 
4. Engaging in harassing or misleading communication regarding the debt. 

These actions violate my rights under federal consumer protection laws.
Product: Debt collection

Im behing in payments 2months planning on paying what behind an following month installments 1st XXXX 2nd XXXX I just cant pay till End of XXXX beginning of XXXX I dont even have money to put minuets on my phone only have Wi-Fi when available so unable to call to can get minutes to lnmv funding but plan on taking care of whats needed just behund money tight after move
Product: Debt collection

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2021, multiple inquires were added to my account. This was completely unauthorized and done without my knowledge or permission. As a result, my credit score has dropped significantly for something i did not authorize or do. I have no idea where these inquires came from because i never inquired about anything in the month of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX both are illegally adding and reporting false information from credit companies that I never signed any contract with and have absolutely no dealings with in general. No legal contract can be produced for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX. In Addition no data was furnished or producible to validate any legal contract binding to agencies acting on behalf of other companies therefore no legal contract is made! Erase these items from my credit and reprimand the reporting agencies for continually and knowingly adding these false entries after deletion!
Product: Checking or savings account

Citibank abruptly closed my checking and savings accounts. I wrote letters to them as required by them and was not given an explanation as to why accounts were closed.
Product: Credit card or prepaid card

On XX/XX/2018 I noticed that my credit card had some unauthorized charges while I was out of the country. I contacted them to resolve this and they closed my account permanently without a notice and without doing any investigation on the unauthorized charges they also removed the automatic payment from my account now this account is stoping me on getting a mortgage for my family. Its Unfair that somebody used my card and Now I cant buy a house for family because this account is reporting negatively on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I have multiple hard inquiries on my credit report that I did not authorize. My permission was never given, written or verbal. Numerous attempts have been made by way of certified mail and phone calls to rectify the issue. Trans Union credit bureau has caused an enormous hardship due to its improper reporting of my credit. The inquiries are as follows, XXXX. XXXX ( XX/XX/year> ) and ( XXXX XXXX XXXX  ) XXXX. XXXX XXXX ( XX/XX/year> ) XXXX. XXXX ( XX/XX/year> ) XXXX. XXXX XXXX XXXX XXXX XX/XX/year> ) XXXX. XXXX XXXX ( XX/XX/year> ) I, the consumer have a right to a fair and accurate credit report as stated by 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to reach out because I was turned down when i applied for a credit card. I see there are some things on my credit that is not mine and needs to be deleted XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX, XXXX, XXXX, XXXX XXXX XXXX   AND XXXX XXXXXXXX. I have contacted the FTC and local police.
Product: Credit reporting or other personal consumer reports

I had filed a dispute with Experian. Inaccurate balances, missing information are reported. They did not update any information. All I see is a deletion of an old address and phone number but no updated numbers in credit report, regarding balances, etc. Information all 3 credit bureaus have in my credit reports does NOT match. All are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rushmore LMS is my mortgage company. They are showing that I am 30days late on my report and i sent the payment in on time. However due to the pandemic covid-19, the mail system is not working properly. I have the proof of my check being sent to the company. The account number is XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau regarding TransUnions, XXXX 's, And XXXX XXXX failure to remove fraudulent accounts from my credit report, despite providing evidence of the fraud. These accounts were opened in my name without authorization, and despite repeated attempts to rectify the situation, TransUnion has not taken appropriate action. This situation is adversely impacting my credit score and financial well-being. I request the Consumer Financial Protection Bureaus assistance in resolving this matter promptly.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my XXXX XXXX XXXX I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Debt collection

Received a voice mail from XXXX on XX/XX/19 stating I had pending debt in their office and it was best interest for me or my attorney to contact them at XXXX. Called on XX/XX/19 and I spoke with XXXX XXXX I emailed her proof I no longer owe this debt and it was paid and she is still calling stating I do. Also, having this robo call as stated above calling my kids, husband, in-laws.
Product: Credit reporting or other personal consumer reports

15 USC 1681ia ) i challenges the 30 day response time 15 USC 1681i ( a ) 6 ( B ) 3 challenges investigation protocol Y 15 USC 1681i ( a ) ( 5 ) B challenges reinsertion protocols I've also furnished accts that are negatively reporting on my credit report that I have been disputing consistently and resulting in no favor to my defense. With all uploading documents I've provided to thus credit reporting Agency I feel that I fall in the category of this currant matter of Agency non investigation.
Product: Money transfer, virtual currency, or money service

I recently switched jobs and I did a 401k rollover from my previous employer plan to the rollover IRA in XX/XX/2022. 

The previous employer 401k plan was offered by ADP through XXXX XXXX. The plan levied a hefty transaction charge of {$40.00} for the rollover transaction I made. I do not know who has jurisdiction over capping such high transaction fees. I read that you have recently proposed a rule to cap the late credit card fees to {$8.00} and was wondering if you have jurisdiction over capping transaction fees as well when an individual rolls over 401k from one plan to the other. I tried contacting XXXX XXXX  and they replied that this is the fees that they charge and they won't reduce or waive off the transaction charges. 

Please refer to Page 11 of the attached document of ADP that mentions the excessive fees - " {$40.00} Distribution fee on all distributions except installment payments and return of contributions relating to testing results and IRS limits '' If you can provide me information on the agency who I can reach out, that will be great. 

Thanks
Product: Student loan

In XX/XX/XXXX I consolidated my loans, see XXXX XXXX  attached. In XX/XX/XXXX XXXX sold my loan, see Account History attached. In XX/XX/XXXX I received the letter that my loans qualified for Borrower Defense and would be submitted on my behalf, see Notice of Borrower Defense Discharge. In XX/XX/XXXX XXXX  ( who did not have my loan at the time ) received the communication and sent the letter attached, see Discharge Based on Borrower Defense Evidence. In XX/XX/XXXX XXXX became my loan servicer, see XXXX Welcome Letter. They did not receive notification of my Borrower Defense case # XXXX. The Department of Education has been communicating with XXXX  about my Borrower Defense case, even though they no longer hold my loan. I was not eligible for the foreberance with XXXX. XXXX also shows that my loan was forgiven, even though I've had a balance of {$0.00} since they repackaged my loan to another servicer back in XX/XX/XXXX. My current loan servicer has not put a hold on my loan, or gotten information about my Borrower Defense despite the fact that my consolidated loans that they hold are the ones from XXXX  XXXX XXXX ; the loans that are eligible for Borrower Defense.
Product: Credit reporting or other personal consumer reports

I am submitting my complaint to dispute and investigate these wrongfully reported accounts on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax wants me to send in the mail to them a copy of my Social Security Card, Drivers License and other items just to update my information as I can not remember my log-in for the online account. ARE THEY NUTS, WHO WOULD EVER SEND THIS INFORMATION THROUGH THE MAIL, WOULD YOU? I WILL NOT!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX To Whom It XXXX Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX by the accounts listed below. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
Best regards, XXXX XXXX
Product: Credit card or prepaid card

I've been making payments to Synchrony Bank by phone. I have not been getting any mail from them. I usually pay {$170.00}. But in XXXX on the XXXX I called to make a payment and was told instead of the {$490.00} I owed it could be {$1000.00} in interest I have never been told about. I asked her what she was talking about but was told if I could make a payment of {$240.00} and the rest on the XXXX of XXXX no interest would be charged. 
I called just before the end of XXXX and talked to a different person i made a {$100.00} extra payment. On the eighth of XXXX I will call in {$120.00}. I am concerned that i was lied to and now they are going to charge me with an interest I never was told about. I would appreciate help toXXXX make sure I am not charged that extra money and my payment closes the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed A Charge on my credit Report with XXXX over a dozen times! I have a fraud warning on my report which I dont understand why thy removed it without my consent. I last disputed with XXXX  on XX/XX/2018 regarding the charge with PRO COLLECT for the amount of {$2900.00} I have submitted manually and electronically through various services such as XXXX XXXX, Also directly with XXXX over the phone regarding the disputed information! XXXX  has failed to supply me with factual accuracy information from this company who has reported against me! I told them that I need proof that the company has a signed contract and identification proving that I am whom they are litigating! I have given XXXX over 4 months to properly support this information or remove it and neither is done XXXX sent me a report on XX/XX/XXXX with open account information! not a disputed decision And I am demanding that any And all information reported be sent to me on this company behalf!
Product: Student loan

I have tried several times to get a hold of this company moohela and give them my information and all they do is hold the call transfer me and leave me waiting for over an hour until the line gets cut.I am already being charged when I shouldve gotten forgiveness for my loans but I am unable to get a hold of anyone in this company and was transferred from one loan provider to the other and this one is the worst one Ive had.
Product: Debt collection

Payment Resolution Services is attempting to collect a refund for a payment from XXXX that was never sent to me. The payment was for an out of network medical claim that was processed incorrectly. The claim was corrected after multiple appeals found in my favor - but XXXX still processed this incorrectly eight ( 8 ) separate times. I have documentation from XXXX this payment was never sent, the check was never cashed, and I do not owe this amount. I have filed multiple complaints with XXXX to try to resolve this. My company 's XXXX department has tried to resolve this. I have sent a letter to Payment Resolution Services disputing the debt and asking them not to contact me further. I am still receiving letters that I owe {$37.00}. Please note Payment Resolution Services is now sending me a collection letter with a different account number. 

I have attached proof of delivery of the debt dispute letter. Continuing to contact me is a violation of the Fair Debt Collection Practices Act.
Product: Debt collection

Mandarich law group, gave a false statement as to how the case and where the case was resolved. Plus left out how they pulled my credit illegally. Without my authorization or consent.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, 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 Tally Technologies LLC 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. '' Tally Technologies LLC the financial institution and the Consumer reporting agencies XXXX XXXX, 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, XXXX, XXXX or Tally Technologies LLC 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. '' Tally Technologies LLC 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 XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

PayPal is making it impossible to close accounts. XX/XX/2022 I contacted them after exhausting all other options through their website and app. After going back and forth with their rep I was told there were technical issues preventing them from closing the account and would be emailed shortly when they resolve the issue. Contacted them again about closing the account on XX/XX/2022 and spoke briefly with a rep who after a short while transferred me to their concerned department, who then promptly told me Im the victim of an update that is preventing them from closing my account. This is clearly their way of slowing the flood of people who wish to boycott their company and protect their reportable account numbers.
Product: Credit reporting or other personal consumer reports

These inquiries are not related to me, and I have no connection with the creditors listed.
Product: Mortgage

I was on a 180 days forbearance period. After that I could start making payment to the bank. However I could not do the regular payment so the bank offered me a flex loan modification. They extended from 30 to 40 days the loan adding the part of the loan I could not pay to back of the loan They send me all the document and as only requirement was to go thru a trial period of 3 month making regular payment for the new amount of the loan starting on XXXX to XXXX. Which I did with no problem. 

To my surprise my flex loan modification was denied due to an error in their system. I called the bank On XX/XX/XXXX and i spoke to a customer relationship manager and he said no worries about it due to this error on the end they will fixed due to I have done and completed all the requirements. I have called the bank several times since alll this started to follow up Since XX/XX/XXXX I have been calling to the bank until XX/XX/XXXX they always said they are going to fix it, they had escalated the issue to their superiors and someone will call me with an updated nothing has been done. I have all the call documented and the names of the persons I spoke with. Already pass more than a moth to fix something in their system. 

Meanwhile the bank is calling me all the time to collect and they said they will proceed to foreclosure if I dont pay what I owned. The bank on The first week of XXXX reported me to the credit bureaus as delinquent. My credit score from XXXX drops to XXXX. I have credit card with cero balance where they have reduce my credit line due to a mayor delinquent report on my credit report. 

I feel frustrated, this is my home where I live with my family. We have done everything to fix this and we continue making payments as the flex modification loan contract said. 


Is this legal during the cares act????? What are my right???? 

Please help!!!!