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

[ Date : XX/XX/XXXX ] Subject : Request to Update Personal Information and Correct Errors in Credit Report Dear To whom it may concern, I am writing to request the correction of my personal information in my credit report. Please update the following details : Legal Name : Please ensure that my name is correctly spelled as " XXXX XXXX '' on all records. 
Address : My new address is XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX. Kindly update your records to reflect this change, and remove any other addresses associated with my name from your files. 
Phone Number : My updated phone number is XXXX. Please update your records accordingly. 
Additionally, I am requesting that any incorrect or outdated addresses associated with my credit file be deleted. 
This request is made under the Fair Credit Reporting Act, 15 USC 1681, which allows me to request the correction of inaccurate or outdated information in my credit report. 
Please send me an updated copy of my credit report after the changes are made. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX [ Your Date of Birth : XX/XX/XXXX ] [ Your Social Security Number : XXXX ] [ Your Signature : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The accounts listed below has violated my federally protected rights of privacy and confidentiality under 15 USC 1681. 

I informed Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, and XXXX XXXX XXXX # XXXX. 

However, they stated everything was complete and accurate which was a lie. How is that possible when the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to ensure 100 % accuracy and modify or delete accounts that are not reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These people are hindering my ability to get or obtain good credit due to their illegal actions.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XX/XX/year> The following inquiry was not and should not be reporting.
Product: Money transfer, virtual currency, or money service

I was called from XXXX 's phone number asking if I authorized a Zelle transfer. I said No. The caller said they were with XXXX and I had to transfer to a XXXX agent via zelle to reverse the fraudulent charge. I sent them {$1000.00}. Zelle won't refund me any money even though I was tricked into providing the funds. This call occurred on XX/XX/29 and I reported it to XXXX the same day.
Product: Credit reporting or other personal consumer reports

Before I got detained on XXXX XXXX XXXX and held without bail at the XXXX XXXX detention center I was paying transUnion around {$30.00} a month for a lot of services which included identities that I contacted the creditors in early XXXX XXXX  and reported to the credit card companies that my wallet and tablet has came up missing and somebody was using my credit cards and debit cards while I was in incarcerated I have plenty of documentation and have submitted this over and over again I submitted this to the creditors. I disputed repeatedly on XXXX and I disputed and XXXX dispute where XXXX XXXX  had to remove their false information off of my credit report from where I was a victim of identity test and Im assuming because I proved I was in the XXXX XXXX detention center when charges were ran up and I was being charged with it being I paid for a service from TransUnion. XXXX getting ready to cancel my service because I get locked out and cant even see my credit report or dispute anything and the ones I have disputed about XXXX months ago, I never got any type of reply back not in the mail or anything, and every time I try to log into my TransUnion account it locks me out for security purposes, either way, TransUnion does not live up to what they charge if you cover identity theft, and unauthorized use of someones credit, but still report the false information on your credit report, then that slandering my credit and stopping me from being able to buy vehicle or rent an apartment a lot of things I already contacted the XXXX and the financial Maryland attorney general and if the issue is not resolved I will be following a lawsuit today since Ive been home I started to pay TransUnion another {$30.00} a month to monitor and for identity theft just in case it was to happen again and continue to be locked out of my account so Im asking for a refund and what TransUnion to honor the refund because they definitely didnt honor protecting my identity which they were paid up at the time I got detained in XX/XX/2022 and even got paid for XXXX while I was in the XXXX XXXX detention center XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX  Balance : {$170.00}. Please see that this inaccurate information were corrected immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

A XXXX  by the name of XXXX, who is in a gaming group called XXXX XXXX, used XXXX  to announce he is selling XXXX XXXX and I started speaking with him through direct message on XXXX and eventually sent him the money through PayPal. He then continued to block me and hasn't answered any of my emails. He scammed me and stole my money. I reported an issue to PayPal but I have to wait up to 90 days, and I reported him on both XXXX and XXXX.
Product: Prepaid card

On XX/XX/XXXX I tried to transfer money to my Venmo debit card. After multiple attempts to add the money ( which Ive done many times before ) I received an email stating that my account is suspended. I have almost {$500.00} in that account and they are trying to steal it from me! I contacted them through email and was told to send a picture of my ID card. I did that. They are now requiring me to send a monthly statement to prove I own the account which Im trying to get unsuspended. Venmo only sends me quarterly statements and when I try to open said statement, the document is no longer available to me. So I cant send the statement and they are still keeping my money from me and refusing to give it back. I dont understand how my ID wasnt sufficient enough, seeing as they have a record of my statements. If my identity has already been verified by Venmo why am I being forced to jump through hoops now?! My bills are late and my power is scheduled to be shut off Monday XX/XX/XXXX if its not paid this week. I need my money! 

The email address I have on file with Venmo is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for a Business Line of Credit with XXXX XXXX XXXX in XX/XX/2019 and as a requirement to keep the BLOC active, there policy is that you have to open a business checking as well. So the banks policy is to use XXXX to check you consumer report with lexis nexis. Upon opening the account in XX/XX/2019 there was no freeze on or any other issues showing on LN. So on XX/XX/2019 I tried to cash a check against the BLOC at the bank and was informed that they couldn't because XXXX showed a frozen account with LN. I called them several times and they reported that the freeze takes 15 mins to be removed. Each time I called them back they said the system showed it was removed ... however after contacting XXXX, each time they said there was a consumer freeze. Enclosed you will find a copy of a letter I received from XXXX XXXX  showing the freeze current as of XX/XX/2019. Also I'm including a series of emails of me requesting the freeze being removed and showing LN,  admitting that there was an issue on their side and infact the freeze was still showing. This has been going on for a couple of months. This has placed financial strain on my company, because XXXX XXXX has closed my business checking account and refunded me the money I opened the account as well as closed my Business Line of Credit. I'm enclosing both emails to LN on removing the freeze ... one will show that I responded to LN that I will be filing a complaint against them and one shows me just recently requesting and update and again they repeated the same lie as in the past. Note on that email correspondence at the bottom, that they categorized it as closed. So what does that mean, closed. This mis handling of my account has caused me financial harm and weeks of wasted time trying to get this matter fixed. I want this matter resolved immeadiately, or we will be taking more serious measures. 


XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regard to the incorrect/unauthorized items listen on my credit report. It has been well over 30 days, and I have not received any investigation results/updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG 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 and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX  XXXX Collection {$380.00} XXXX XXXX XXXX Charge-off {$220.00} XXXX XXXX  XXXX XXXX InquirXXXX {$0.00} XXXXXXXX XXXX XXXX XXXX  Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX Repossessions {$3200.00}
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I called Chase to inform them that my cards were stolen, they said they would investigate. I received a notice saying a temporary credit was now permanent. Days letter they take my money back and I give them a call. They now say I need to send in documents to prove that it was not me to get my money back. I asked if they were able to get video footage that would clearly show its not me and they said they cant tell me how and what was done with the investigation. How am I going to submit documents that I was in the house when these transactions occurred. Even for XXXX of the transactions when I called for the claim I told her I was at work and gave her my job hours and location which was no where near the place of the transaction. After having someone else review the claims I was told the claim was put in wrong and they would do it again. At this point will I even get my money back for that. Now Im going to just lose out on about {$1900.00} because somebody stole my cards. I will no longer chose to bank with chase after several years because this never happened to me before.
Product: Credit reporting or other personal consumer reports

someone stole my personal informatiom and used without my permission i have victim of identity theft 15 U.S.C 1692C YOU HAVED VIOLATED MY RIGHT BY LAWFUL COMMUNICATION. PLEASE REMOVE THIS ACCOUNT OF MY CREDIT REPORT THANK YOU
Product: Debt collection

I opened a paypal business acount to fund my business in XXXX, i made XXXX purchases totaling XXXX $ paid that in payment, my account was and card was stolen i was locked out of paypal could not communicate until Port folio co sent me a letter and manyyyyyyy phone calls i requested itemized statements XXXX times only got final page of each statement spoke to them a year ago ask them to leave me me alone and quit reporting to credit bureau i just got a nother letter I have a formal report reporting the theft of my wallet the cops dont care.. but i reported it in XXXX  they want mw to pay XXXX $ im not responsible.My husband is XXXX i am XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I send over a dispute letter to transunion on XX/XX/23 the received a letter with the file number XXXX stating it wasn't me and a third party when in fact it was me
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX bal. {$280.00} and XXXX XXXX XXXX. {$0.00}
Product: Debt collection

Debt collected lawyers trying to sue over an old debt around {$14000.00} from several years ago. I believe the year was 2016. Sending direct letters to judge requesting a final hearing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete 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
Product: Checking or savings account

I lost my phone, which had my wallet attached to it. Including my Driver License, multiple debit and credit cards, XXXX card and other items. Someone found it and began using my cards without my authorization. 

On Sunday XXXX XXXX someone used my debit card from checking account at Discover Bank, at a casino for the amount of {$3600.00}. Immediately after discovering usage on my debit card I contacted discover and began a dispute. They gave me provisional credit, and then several weeks later I received a letter stating my claim had been denied because the merchant provided proof that it was a valid charge. Since I never authorized this transaction, I contacted Discover bank and they sent me the information the merchant was using to claim it was a valid charge. The information they provide was from the XXXX XXXX stating the transaction was done and verified by ID to match the card, I explained to Discover that my entire wallet was lost including my Driver license and that if the merchant didnt verify the debit card and ID belonged to the person using it, then that was not my responsibility. I sent in a statement including all this information and also proof that I had lost my phone and had to purchase a replacement. Discover Bank reopened the investigation and again denied my claim. Once again I called and they used the same phrase, about the debit card and ID name matching so it was a valid charge. They suggested I do a police report to reopen the claim and investigate again, which I did, only to have my claim denied again. They are refusing to show me video or camera surveillance of the person using the card to verify it was not me. I did not make this transaction nor did I authorize it, so I really need help having them investigate properly.
Product: Mortgage

I want to do a short sale, but SPS ( select portfolio ) is forcing me to be reviewed for a loan modification ( which i do not want ). They told me the review would take 30 days and I should have a response by XXXX-XXXXXX/XX/XXXX19. Its now XXXX-XXXX-19 and SPS told me this review was still " pending ''. 

I want SPS to just review me for a short sale so I can sell this home.
Product: Debt collection

I have enrolled in a debt relief program and the collection agency will not stop calling after given the number for the relief agency. My phone receives calls from XXXX-XXXX different numbers, over 5 times per day. I have supplied the collectors with the proper phone number to contact the relief agents but I am still receiving calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraud alert placed on my credit file several times that indicates anyone who runs my credit needs to call me and that has not been done and this violates my rights as a consumer. I have reached out the each credit bureau : Equifax, XXXX and XXXX multiple times to advise of my credit being pulled without my permission without any resolve. I have attempted to dispute the unauthorized inquires on multiple occasions by disputes online and via phone, to no resolve. On my Equifax, reports, the inquiries are showing to be reported as of XXXX/XXXX/2017 when they in fact have been up there longer than that.
Product: Mortgage

I moved into my home in XX/XX/XXXX in XX/XX/XXXX I felt behind on my mortgage 3 months my mortgage company offer me loan modification I except the loan modification thinking that they were going to put the 3 months that I was behind in at the end of the loan only to find out that they wiped out the entire 12 years of payments that I had previous from XX/XX/XXXX through XX/XX/XXXX and started the loan over for 30 years. Which mean instead of me being through with my loan and owning my home in 13 years it will now be 25 years at the age that I am now and because of this I will probably never live to be able to retire and will never live to own my home. Which mean that they would get 42 years in payments and probably still end up with them owning the house. I work all my life and will not have my home. That 's un fair this company took advantage of me when I needed help and nowhere to turn to. In reality I paid them XXXX dollars for being behind on my mortgage 3 months which was about 3.000 dollars. XXXX XXXX