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

THE ACCOUNTS DISPUTED ARE CLOSED ACCOUNTS THAT HAS BEEN SETTLED. THOSE ACCOUNTS ARE STILL REPORTING DEROGATORY ON MY CREDIT AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT. THE ACCOUNTS HAS BEEN HARMING MY CREDIT TREMENDOUSLY AND HAS BEEN REPORTING DELINQUENTS WHEN IT SHOULD NOT HAVE. THOSE DELINQUENT MARKS DOES NOT REFLECT TRANSACTIONS MADE ON THOSE ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion refuse to remove this account. I explained long ago this was the result of my identity being stolen. The lawlessness of these fools is unacceptable. 




XXXX XXXX XXXX  Account Number XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally disputing the following unauthorized hard inquiries on my XXXX credit report. These inquiries were made without my consent, and under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, you are legally required to ensure that only authorized and permissible inquiries remain on my report. The following inquiries were not authorized by me and must be removed 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 XXXXXX/XX/XXXX Legal Basis for Immediate Removal : 1. FCRA 15 U.S.C. 1681b ( f ) A credit bureau can not furnish a consumer report to a third party without a permissible purpose. If XXXX can not provide documented proof that I explicitly authorized these inquiries, they must be removed immediately. 
2. FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If a disputed item can not be verified, it must be deleted from my file within the required timeframe. 
3. FCRA 15 U.S.C. 1681n and 1681o If you fail to comply with my legal rights under the FCRA, I will have grounds to seek legal action for willful or negligent noncompliance. 

Demand for Expedited Action : I demand immediate deletion of these hard inquiries as they were unauthorized and negatively impact my credit score. I do not agree to wait 30 days, as the FCRA requires accurate reporting, and these inquiries must be removed now if they can not be verified with signed proof of my authorization. 

Please send me a written confirmation once these inquiries have been removed. If I do not receive confirmation within 10 business days, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Thank you for your prompt attention to this urgent matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers, but has also allowed, repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

National credit systems was deleted off of my XXXX  and XXXX   but not XXXX. They just updated it. This is a false collection.
Product: Debt collection

I have disputed this invalid debt multiple times Once with XXXX XXXX back in XX/XX/XXXX and most recently with XXXX XXXX inXX/XX/XXXX Collection agency still states the debt is valid but when I ask for the proof. I never receive a response back to actually receiving proof of the debt and how it had been validated
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights! I have the right to privacy! The consumer reporting agency can not furnish an account without my written instructions! A creditor may not treat a payment on an account under an open and consumer plan as late for any purpose! 

Carrington Mortgage : XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ALL for the amount of approximately {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX and XXXX. ( Please see pages 6 and 7 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. 

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see page 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had identity theft for over a year and placed freezes and fraud alerts on all companies. I noticed a new card alert on my XXXX XXXX and I started to investigate ... I contacted experian to find out that my credit freeze had been removed. This is not the first time that my freeze had been removed from my credit report on one or more of the credit reporting agencies. ( Im told that even though I got a pin number that their is nothing they can do to stop it if the thieves provide them the information they request. ) When I contacted experian I was told that I actually had a Experian Monitoring account opened in the begging of XXXX.. I  spent the that entire day being told their is nothing they can do and being transfered from dept to dept and begging to speak to the fraud dept.. I got now where with filing a complaint into having them look into the fraudulent account opening. Their said they dont do that and that I could only close the account as fraud ... I did that and then re opened in my name and personal information quickly. 
I called again to try and make complaints and to find out how to stop them and had an agin few hour transfer from dept to dept to be told the same thing ... Except for if the first account was closed I should be comfortable knowing another couldnt be opened ... I told him I did that five seconds after and he was shocked.. That shouldnt happen, but just told me that it is true that their is nothing they can do.. Im confused because they allowed someone to open the account and I understand how that could happen because somehow they were able to get a credit card in my name to use as payment, but they also disputed my actual phone numbers.. and they got them removed from my credit file ... That makes it impossible for possible creditors to verify my calling one of the numbers because they were removed ... The one phone number Ive had for over 15 years and the experian must have not even tried to verify that the numbers should be removed because all there were actually mine or parents numbers.. Experian is offering no solutions. I dont know what to do because now they even have my whole credit report ... Since then they were able to steal money from my bank account and I dont know where it will stop.. They make it impossible to speak to a person who can actually help ... I would like them to contact me and send my a letter stating information they have given me.. Basically that they can not stop the people or person of anybody basically from getting make into or my account if they can provide the information that they are asked for and since the thieves have everything they ask i can not be protected. Im trying to get a new SS NUmber to save me from this ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$10000.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$9300.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1100.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$3000.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1900.00} XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX XXXX. I tried contacting both XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.
Product: Mortgage

Back toward the outset of Covid and the shelter in place orders, there were programs instituted to help us. Bank Of America freely started offering a Forbearance program for mortgage payments, which at the time were necessary to help most people. I know for us, our household income dropped precipitously and we, like many utilized this program. One of the companies I worked for, closed, while the other lost most of their work. Most businesses haven't recovered until recently, which is the case with mine. We were offered this solution happily by BofA and needed to utilize it. However way before the end of that 18 month program I started asking about what was going to happen to the deferred payments. Constantly I was told that they were going to be added to the end of the loan. Both for our Heloc and regular mortgage! Well at the end of the period we were told that WAS NOT the case and all the deferred payments were needed to be caught up on or we were subject to foreclosure!! The options were pretty much the standard ones with a 12 month repayment program which would put payments at 2.5 times the payment amount to keep current and catch up!! Impossible! We can/could keep up with regular payments if the forbearance was added to the end of the loan AS IT WAS REPRESENTED!!! We ae older adults and to qualify for their modification is not as easy because earning power for older adults is not the same. We were turned down for a mod although they are having us apply again since there is an increase in work for me BUT I am dubious AND IT SHOULDN '' T HAVE TO BE LIKE THIS!!! THEY SHOULD BE HELD TO THEIR WORD!!! Included is documentation to show the past due amount, 2 months extra than the actual forbearance because they quickly put us in foreclosure and would not allow payments!! TOTAL DECEPTION!! 

Also, there is a game they are playing with us trying to communicate in trying to keep up with communications. XXXX on the loan has authorized XXXX on multiple times and she has ALWAYS been authorized to speak on the loan but now there is always an excuse as to why the authorization letter is not approved. Usually centered on the signatures not matching, so as instructed a recent NOTARIZED updated signature was obtained and sent to BofA!! One division Heloc, approved authorization while main mortgage won't. Even though signatures do match. As they say TIME SENSITIVE but they keep throwing roadblocks in the way! Suspicious in my view!!
Product: Checking or savings account

Was basically scammed by someone they did their investigation twice and then send a letter saying I benefited from this fraudulent deposits with no proof sent to me showing I benefited from this XXXX they closed the checking account and took {$4000.00} from my savings account to cover the account they closed I want my money back and I want proof that I benefited from all this fraudulent XXXX if not Ill will seek legal advice
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion and XXXX for their failure to address my disputes regarding the inaccurate reporting of timeshare accounts on my consumer credit reports.

Per my divorce decree, the timeshares listed on my credit reports are to be the sole property of my ex-husband. Specifically, under the section titled ** '' Additional Clauses '' **, the decree states : * '' In regards to timeshares purchased during the marriage, ALL timeshares will become the sole property of ( my ex husband ). ( ex wife, Me ) will be held harmless of any matters regarding these properties. " * Despite multiple
disputes submitted to TransUnion and XXXX, these timeshares remain inaccurately reported on my credit reports. This misreporting is causing significant harm to my consumer profile and is severely limiting my ability to secure credit and financing opportunities. 

XXXX XXXX XXXX XXXX I have attached the following supporting documentation to this complaint for your review : 1. A copy of my divorce decree.

2. A copy of my ID.

3. Proof of address.

4. A copy of the disputed account reporting to TransUnion and XXXX. 

I respectfully request the CFPB 's assistance in ensuring that these timeshare accounts are promptly removed from my consumer credit reports as they no longer pertain to me under the terms of my divorce decree.

Thank you for your attention to this matter.

With thanks
Product: Money transfer, virtual currency, or money service

I am unable to send money from my account to my bank or reiceve any funds from anyone or any account and my cards either.. It started I went over my limit when I never set one and what it said on my account is that my limit is XXXX not XXXX so I want access to my funds cause it keeps doing this and I'm very dissatisfied with the way customer service is handling the situation with thru can't do anything about it can't give my information on what's going on I just want access to my funds because I have bills to pay I'm not blessed with money I'm grateful to get what I get and it's unfair that I can't access a misely XXXX did to an over limit that I did not achieve our come near. In result I would like some kind of restitution for all my troubles that I've had with my account and all the disputes I had to file because of all of the unauthorized transactions from hackers getting into my account. I love what cash app provided but I don't like all the risk I keep talking just to make sure my money is safe. Looks I mentioned in not matter of money now come from a family that does I scrape by with what I get and I hate to make a fuss but I worked to hard for my money just to go thru this stress and headache I've dealt with in the past couple of months.. my cash tag account in having problems with is $ XXXX. And I wasn't my funds transferred to my other cash app account I don't want to lose business with y'all I just want this fixed ASAP SENT FUNDS TO $ XXXX please thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS.

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XX/XX/2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/1995), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Formal Complaint Regarding Credit Reporting Error and Request for Immediate Correction To Whom It May Concern, I am writing to file a formal complaint regarding a significant error in my credit report and to request immediate correction of the matter. My name is XXXX XXXX, and I have been a responsible borrower with an extensive credit history spanning over 24 years. 

The issue at hand pertains to the erroneous removal of my student loans from XXXX by TransUnion, which has resulted in adverse effects on my credit score and overall financial well-being. Despite my student loans being in good standing and paid as agreed, Trans Union has inaccurately omitted them from my credit report, thus significantly impacting the average age of my credit accounts and the length of my credit history. 

As per Section 609 of the Fair Credit Reporting Act, I am entitled to accurate and up-to-date information on my credit report. It is imperative that my credit report reflects the true status of my accounts, including my student loans with XXXX, which have been faithfully serviced and maintained over the years. 

Furthermore, the removal of these accounts has led XXXX to incorrectly calculate the length of my credit history, stating that I have only had 4 years and 8 months of credit history. This is grossly inaccurate, as I have been an active and responsible borrower for nearly 25 years. 

I hereby request the following actions to be taken immediately : 1. The reinstatement of my student loans from XXXX onto my credit report, reflecting their true status as paid as agreed and in good standing. 
2. Correction of the inaccurate calculation of the length of my credit history to accurately reflect my extensive credit tenure of nearly 25 years.

3. An investigation into the oversight that led to the erroneous removal of my student loans and the implementation of measures to prevent such errors from occurring in the future. 

Additionally, I urge Trans Union to consider the potential negative impact of this error on my credit score and overall financial standing. The inaccurate reporting of my credit history could result in unjust consequences, including higher interest rates, limited access to credit, and other adverse effects. 

I have attached relevant documentation, including statements from XXXX confirming the status of my student loans, to support my claim. I kindly request that Trans Union and the Consumer Financial Protection Bureau expedite the resolution of this matter and provide me with updates on the progress of the investigation. 

Thank you for your attention to this urgent matter. I look forward to a swift resolution and the restoration of accurate information on my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX CITI BANK XXXX XXXX XXXX XXXX XXXX OH XXXX Dear XXXX XXXX, Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802.

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime. 

I am also a DC resident. In Washington DC, DC residents have also rights to Opt Out on all things including non affiliates mailing solicitations. 
I should not receive any other piece of mail from any non affiliates or third parties. 
Thank you for your time and cooperation. 

Sincerely, XXXX XXXX XXXX