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

In response to my previous complaint number XXXX. 
Demand for Deletion of Inaccurate XXXX Account Reporting TransUnion Noncompliance To Whom It May Concern, I am filing this complaint against TransUnion for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding the XXXX account ending in XXXX. Despite disputing this account and providing clear evidence of inaccuracies, TransUnion responded that the account was verified as reported with the furnisher. However, TransUnion has failed to provide any documentation supporting this claim and has continued to report inaccurate and unverifiable information, in violation of federal law. 

Account Details : Account Name : XXXX Account Number : Ending in XXXX Status : Charged off as bad debt Balance : {$32000.00} FCRA Violations by TransUnion : 1. Failure to Provide Supporting Documentation ( 15 U.S.C. 1681i ( a ) ) : TransUnion claims the account was verified with the furnisher but failed to provide any supporting evidence or documentation. Verification under the FCRA requires providing tangible proof, which TransUnion has not done. 
2. Reporting of Inaccurate and Incomplete Information ( 15 U.S.C. 1681e ( b ) ) : The account lacks a payment history, making the charged-off status unverifiable. 
The balance of {$32000.00} contradicts the original balance of {$34000.00} without explanation. 
These inconsistencies demonstrate that TransUnion has not ensured maximum possible accuracy in reporting. 
3. Reinsertion Without Proper Notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : If this account was reinserted after a prior deletion or dispute, TransUnion has failed to provide the required notification to me within five business days of reinsertion.

4. Failure to Remove Unverified Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : Because TransUnion could not verify the disputed information with sufficient evidence, they are obligated to delete the account entirely. Retaining unverifiable information is a clear violation of the FCRA. 

Harm Caused : The inaccurate and unverifiable reporting of this account has significantly harmed my creditworthiness, leading to denials of credit, financial hardship, and emotional distress. 
Attachments : Copy of my dispute letter to TransUnion TransUnions response claiming verification with the furnisher Screenshots of the inaccurate reporting details I request the CFPB to hold TransUnion accountable for their noncompliance with the FCRA and ensure that this inaccurate account is deleted from my credit report. 

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

1 message was left on Monday, XX/XX/XXXX, on my phone. Another message was left Tuesday, XX/XX/XXXX, on my mothers phone. That same day, my phone was called, my daughters phone was called, my fathers phone was called and my job was called. The representative that called my job, told my coworker that I left that number as a contact. That was a lie! I called back and spoke with XXXX XXXX who identified himself as the other representatives supervisor. I told him I had no idea of what he was talking about. He said it was a debt I stop paying in XXXX. I told him I still did not know what he was talking about. He said he was going to file a judgement against me if I did not make a payment on that day. He gave me payment options and I told him I would have to call him back because I had no idea of what he was talking about. He called my job again today, XX/XX/XXXX, and told my coworker that I told him he could call me at that number. That is a lie! I did not give anyone authorization to contact me at my place of employment nor did I give permission for my ENTIRE family to be contacted. I do not know who these people are and they could cause me to lose my job. He called my phone 3 times, back to back today, XX/XX/XXXX. I want to report the lies and the constant phone calls.
Product: Consumer Loan

Please see attached documents. This company refuses to return my phone calls or respond to my letters. I have attached copies of my bank statement showing I was not late. In addition, I have included the fax transmission sheet they requested showing payments made on time.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and very deceptive as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Midland Credit Management is inaccurately reporting this COLLECTION XXXX XXXX XXXX as well as this COLLECTION account XXXX XXXXXXXX on my credit report as an OPEN ACCOUNT and also reporting PAST DUE BALANCES. Midland Credit Management is reporting falsely and inaccurately. this is a clear FTC Violation and must be DELETED immediately. As well as in violation of 15 U.S.C CODE 1681S-2! Also a clear violation of 5 U.S.C 552 a ( i ) ( 3 ) and The Fair Debt Collection Practices Act As Well As 15 U.S.C 1692d. Not only are they reporting with an account status of OPEN but they are also reporting this ACCOUNT XXXX XXXX XXXX XXXX  ) as well as this ACCOUNT XXXX XXXX ( {$500.00} ) with an inaccurate past due balance and putting derogatory marks on my credit as LATE PAYMENTS. Which is also a violation of the FCRA which states that I have the right to an accurate and fair credit report. This also violates XXXX XXXX XXXX XXXX XXXX Standards! Delete both of these accounts immediately from all 3 credit bureaus that are reporting this false, inaccurate, and incomplete information on my credit report. I, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I Request that you provide to me verification of this debt. Verification consists of a formal declaration in where you swear to the truths of the statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed pursuant to the fair debt collection practices act you are required to cease all collection of this alleged debt which includes reporting to my consumer report XXXX, XXXX, And XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. FURTHERMORE I did not consent to you having my personal or private Information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Please delete all accounts!
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681 ( c ) ( 2 ), BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - Except as otherwise provided in this section, a consumer reporting agency shall 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 of receipt by such agency. 

Unfortunately, my personal identifiable information was compromised and used to open 2 fraudulent credit card accounts. I was a victim of Identity Theft. I am attaching my FTC Identity Theft Report to have these 2 accounts removed from my credit file by this Creditor. 

There are 2 addresses on my credit file that I do not recognize and they need to removed too. ( XXXX XXXX XXXX XXXX XXXX, MD XXXX and XXXX XXXX XXXX XXXX, MD ) These accounts need to be removed immediately.
Product: Student loan

I am writing this on behalf of my wife, as I manage our student loans. 
We spend approximately 40 % of our income on student loans. Given our earning potential and current income we would be lucky to pay off our student loans in the next 40 years. 
We 've even had to take out a second mortgage on our house to make student loan payments. Because my wife 's profession is never expected to have the earning potential to pay back their student loans and she works for the government at an even lower rate than the private sector ; we were told that we qualified for student loan forgiveness on her student loans. This was great news for us. We went through the entire certification process and got all of the approval letters. But, when I called to get the estimated pay-off date, they told me that we did n't qualify because we were n't paying enough per month. This is utterly ridiculous since we pay the full amount every month and have it set up on auto-pay. 
When I inquired further ; I was told that we would have to change repayment plans to one which would cost us an extra $ XXXX/month before we would qualify. 
Considering the change to this new payment plan, we would actually spend the same amount of money to have her student loans " forgiven '' as we would without the " forgiveness ''. The representative even told me it was n't worth it to use their " forgiveness '' payment plan.
Product: Credit reporting or other personal consumer reports

I demand that my privacy is respected. Refrain from sharing any personally identifiable information ( PII ), non-public information ( NPI ), private information, or financial information about me with any third party without my prior written consent. All assumed consent is hereby rejected and i wish for all accounts and reports to be disclosed to me before being reported as required by law. 

This includes, but is not limited to, my name, address, phone number, email address, Social Security number, date of birth, driver 's license number, passport number, financial account numbers, credit history, medical information, and any other information that could be used to identify me. I also demand the following accounts be removed. 

1.All accounts in connection with XXXX XXXX XXXX XXXX XXXX  XXXX 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX I am aware of the following laws that protect my privacy : The Gramm-Leach-Bliley Act ( GLBA ) prohibits financial institutions from sharing customer information without their consent. 

The Fair Credit Reporting Act ( FCRA ) prohibits credit bureaus from sharing consumer credit reports without their consent. 

The Health Insurance Portability and Accountability Act ( HIPAA ) prohibits healthcare providers from sharing patient information without their consent. 

The Privacy Act of 1974 prohibits government agencies from sharing personal information about individuals without their consent. 

I am also aware of the following state laws that protect my privacy : Wisconsin Statute 134.98 requires businesses to notify individuals of unauthorized acquisitions of personal information.

Wisconsin Statute 19.356 Wisconsin Statute 134.97 If you violate my privacy by sharing any of my PII, NPI, private information, or financial information with any third party without my prior written consent, I will take legal action against you. no where in this letter is a request for validation or verification. This is a legal notice letting XXXX Experian and XXXX know that they are in violation of the law and my rights to privacy. Wisconsin does have private right of action for this and it will be costly and will involve concurrent jurisdiction. This will make Credit reporting agencies extremely liable and shall be costly. I will also be filing with the SEC, IRS, FTC and attorney general if my rights are not respected. This is in no way a request for verification. I am demanding the listed accounts be removed from my consumer report. these accounts are violations of multiple state and federal laws and credit reporting agencies are in violation of XXXX and are aiding in identity theft and violating the FCRA. this is a notice to cure. 

Thank you for your attention, be blessed.
Product: Credit card or prepaid card

I APPLIED FOR CREDIT INCREASE ON XXXX AND XX/XX/XXXX. I PAYED MY ENTIRE BALANCE OFF ON XX/XX/XXXX! THERE IS NO REASON THEY DECLINE MY INCREASE! I HAVE GREAT CREDIT HISTORY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX reports my account as a charge-off and updates this balance every month with an open balance of {$520.00} ( having added fees to a credit card that had a limit of {$300.00} ). XXXX lists 39 charge offs, and when I have disputed this MANY times with each credit bureau, XXXX reports to all of the Credit Bureaus that the balance is correct. I thought that charge-offs that have been sold to collections companies are supposed tor reflect a {$0.00} balance, rather than listing an open balance and updating each month. I expressed this to XXXX, which leads me to believe this is intentional illegal activity. 
At the same time, XXXX XXXX, a debt Collection company, reports an open balance of {$580.00} on the same XXXX XXXX, claiming they own the debt. I disputed this account with the credit bureaus after XXXX updated and says the current open balance is correct. 
Fees have been added on to this account by the Original Creditor ( XXXX ) which raised the balance, my account is updated monthly as a charge-off, and the balance is open-as both companies claim to own this debt. 
( What is also strange, is that XXXX reported payments to my account that I do not think I made, thus making the date of delinquency appear " newer '' by a year, in XXXX. ) I believe this reporting by XXXX and XXXX XXXX to be intentional, abusive, and illegal, resulting in the appearance of excessive charge-offs ( listed as a new charge off every month! ) and a higher debt-to-income ratio, as well as the appearance of two defaulted accounts, since both companies refuse to correct my account information and list on my credit report that " account was disputed, but the account information they are reporting is accurate ''. 
This has caused my to have higher interest rates, be rejected for an auto loan and to be considered for a fair interest rate, FOR THREE YEARS. 
This debt cycle is one that is hard to recover from, and Synchrony, which already has very high fees and interest, intentionally has entrapped me FOR THREE YEARS with this illegal reporting. 
I have disputed the fact that two open balances can not be accurate, and nothing changes. I have called both companies to explain, and XXXX representatives say " they have no way of changing this '' and XXXX representatives simply mocked me.
Product: Debt collection

Citibank continues to call me over 3 times a day every 3 hours. I have spoken to 2 representatives and let them know that I was aware of my past due balance and doing everything to make the payments and they still continue to call me repeatedly. I feel extremely stressed out and harassed and cant go through a work day without getting 3 calls from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion about some inquiries on my credit report that I did not authorize, I was car shopping and I had my own financing. I told the dealers this, I was asked for my drivers license and a second proof of Id like a social security card. I let them copy it and then went for test drives I never asked for financing. I never signed anything at any dealership that authorized them to run my credit. 

The last time I had just downloaded a credit ap to my phone when I went to pick up a truck I agreed to purchase, I gave them the check they asked for my Id and a my credit card to make sure I was myself then my XXXX  XXXX   app alerted me that my credit was pulled. While I already gave them a bank check. I then contacted ( by phone ) Transunion regarding unauthorized hard pulls that were on my credit report and they ignored me. I sent them a letter and I looked up the law regarding the fair credit reporting act section 604 section 15 161b regarding legally permissible purposes and without a signature or any investigation into my complaint left these inquiries on my report. I will include a copy of the letters.
Product: Mortgage

Sent in duplicate payment, Requested a reverse for the duplicate, payments of. {$2000.00} was submitted on XX/XX/XXXX and XXXX both in amount of {$2000.00}. 
XXXX XXXX XXXX called with me on the line to see if they were able to reverse at that time, they said no. I haven't heard anything since the call to them on XX/XX/XXXX. 
I would like to use one of the duplicate payment for my XXXX Mortgage and since I have had issue with this company prior. I wanted to assure that the payment would go against XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Violations of GLB Act, FCRA, and Fair Credit Reporting Act I am writing to file a formal dispute regarding the violation of my rights as a federally protected consumer by the consumer reporting agencies, namely XXXX XXXX, XXXX, Equifax, and XXXX. It has come to my attention that these agencies have breached the provisions outlined in the Gramm-Leach-Bliley Act ( GLB Act ), the Fair Credit Reporting Act ( FCRA ), and the Fair Credit Reporting Act 's Civil Liability for Willful Noncompliance .

Under the GLB Act, it is mandated that consumer reporting agencies safeguard personal information to ensure privacy. Unfortunately, the aforementioned agencies have failed to comply with the GLB Act, thereby putting my personal information at risk and compromising my privacy.

Furthermore, the consumer reporting agencies have violated the FCRA, particularly 15 U.S. Code 6801, which pertains to the protection of nonpublic personal information. As a result, my rights as a consumer have been compromised and I am experiencing direct harm, which is inhibiting my ability to establish good credit and acquire a rental property.

Additionally, the agencies have disregarded key provisions of the Fair Credit Reporting Act, including 15 U.S. Code 1681n, which addresses civil liability for willful noncompliance. Their actions not only demonstrate negligence but also a willful disregard for the laws put in place to protect consumers like myself.

Moreover, the agencies have violated 15 U.S. Code 1681a, which outlines definitions and rules of construction within the Fair Credit Reporting Act. By neglecting to adhere to these definitions and rules, the agencies have further compromised the accuracy and integrity of consumer reports, which has significant consequences for my financial well-being.

Furthermore, the agencies have failed to comply with 15 U.S. Code 1681b, which governs the permissible purposes of consumer reports. By unlawfully sharing or providing access to my personal information, the agencies have damaged my ability to establish good credit and secure a rental property.

In light of these violations, I kindly request the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these consumer reporting agencies. Additionally, I request that you take the necessary steps to ensure my personal information is protected and that the agencies are held accountable for their actions.

I am providing documentation evidence necessary to support my claims. I trust that the Consumer Financial Protection Bureau will prioritize the resolution of this matter in a timely and efficient manner to safeguard the rights and privacy of consumers. 



Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion Credit Report Agency to notifiy that someone used my information and pulled a hard copy of my credit in two ocassions. My concern was aggravated when I noticed and confirmed that my call was being taken overseas. The Customer Service rep couldn't understand my request and the severity of my case. I asked for a supervisor or to be transferred to a US office and I was told " Transunion in United States was closed at this time. '' I gave my name, SS, DOB and address multiple times to people across the globe. 

No wonder the whole country 's identity is being stolen. 

How is Transunion allowed to handle personal informaton across the world? I need someone from the US Goverment to look into the security and handling of private information and the ability to STOP and solve this credit matters.
Product: Credit reporting or other personal consumer reports

Equifax is reporting fraudulent hard inquiries on my credit report, I have not authorized these hard inquries, and somebody else made them on behalf of my name : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022
Product: Mortgage

I was one of many individuals who decided to prepay their property taxes in XX/XX/XXXX. At that time, I notified Freedom Mortgage that my property tax was prepaid for payments due in XXXX. The representative stated that early in the year in XXXX that they would be conducting escrow analysis and refund the money prepaid after the analysis. 

After no action from Freedom Mortgage, I contacted them in XXXX and explained the situation. I again restated the prepayment situation and my conversation with their representative in XX/XX/XXXX and asked that an escrow analysis be completed as the two property payments in XX/XX/XXXX and XX/XX/XXXX would not occur from Freedom Mortgage and to refund me the money. They stated that the escrow analysis would be completed and refunded to me. 

An analysis and check for the XXXX payment was provided in XX/XX/XXXX. However, only half of the amount due was refunded to me. I immediately called them and stated that their analysis was incomplete and they owed me the XXXX payment. They stated that their analysis team did not consider the second payment and requested additional documentation and proof of payment which I provided minutes later. They stated that the new analysis would be expedited the following week. 

After no action, I called Freedom Mortgage back a week later and asked where the analysis was. The representative stated it was still in process. 

I called back yet another week later after no action on XX/XX/XXXX and asked where the analysis was. They stated it would be completed on XX/XX/XXXX. 

After no action, I called back on XX/XX/XXXX and asked where the analysis was. They stated it would not scheduled to occur until the end of the month. I countered stating that they told me this would be expedited and was to be completed by now. I then asked to speak with a supervisor. The supervisor was also unhelpful. He stated that the multiple requests to have the escrow analysis redone were closed and that no action was to be taken. I again explained the situation and requested we speak to the analysis team as they were not reading their notes or correctly assessing customer accounts. He refused saying " he didn't have their number. '' Freedom Mortgage has continued to stonewall my attempts at getting an escrow refund legally due to me and my repeated attempts at trying to get them to remedy the situation have failed. I have no other option than to report them.