23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/ a fence contractor XXXX XXXX of XXXX asked me to Zelle him {$3500.00}. The payment options were only Zelle or cash to obtain village permit and materials before beginning the construction. I thought the banks and Zelle would protect me from fraud or fight the other bank on my behalf to get my money back especially if there was a scammer and fraud involved. They have not even tried. My bank ( XXXX XXXXXXXX XXXX XXXX said there is nothing they can do but as his bank ( XXXX XXXX  ). They should have protection against scammers and fraudulent transactions. People like him should not be protected. His account should be over drafted or frozen not protected. The fact that I have to be the one fighting instead of the institution is unacceptable and unfair.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against TransUnion for reporting inaccurate information on my credit report, ( XXXX XXXX XXXX collection account ) despite my multiple attempts to dispute the erroneous data and providing substantial proof of the inaccuracy. I believe TransUnion 's actions violate several provisions of the Fair Credit Reporting Act ( FCRA ). 
TransUnion is reporting a collection account with an incorrect balance. I have disputed this information multiple times, specifically on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have provided proof of payment each time. 
Despite my efforts and the evidence submitted, TransUnion has failed to correct the inaccurate information. Their responses have been, they do not properly investigate my dispute, the account is for XXXX and a government program paid {$6600.00} of this balance before it went to collections, transunion continues to change the amount by {$1.00} everytime I dispute. This ongoing issue has significantly impacted my financial standing, including my credit score, my interest rate on my car loan, and not being able to buy a home. 
also i have requested debt validation from National credit systems and they haven't responded in over 45 days, so they are illegally reporting on my credit report. 
I believe TransUnion 's actions are in violation of the following FCRA provisions : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation of disputed information.

TransUnion has not conducted a reasonable reinvestigation of my disputes despite the clear evidence provided.

15 U.S.C. 1681i ( a ) ( 2 ) ( A ) : Failure to provide notification of the dispute to the furnisher of the information.

TransUnion did not notify the furnisher of the disputed information or did not do so in a timely manner.

15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report.

TransUnion has failed to maintain accurate information on my credit report, causing ongoing harm.

15 U.S.C. 1681s-2 ( b ) : Responsibilities of furnishers of information to consumer reporting agencies.

TransUnion has not ensured that the furnisher of the incorrect information is fulfilling their obligations to investigate and correct the errors.

I am requesting that the CFPB investigate TransUnion 's handling of my disputes and their compliance with the Fair Credit Reporting Act ( FCRA ). I urge the CFPB to take appropriate action to ensure the incorrect information is removed from my credit report and to hold TransUnion accountable for their non-compliance. 
I have attached copies of all relevant documents, including my dispute letters, evidence submitted, and TransUnion 's responses, for your reference. 
Thank you for your attention to this matter. I am available to provide any additional information or clarification as needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX   with ACCT # XXXX  opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, 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 Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instructions 15 U.S.C 1681 C. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, otherthan records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I would like a full investigation and also delete all inaccuracies because i see all in question are all inaccurate i will like all these accounts that aren't mine removed they are putting a strain on my credit and are completely wrong and also are a violation of my rights with wrong addresses and wrong names and completely wrong accounts that i never had at all i want these removed from my credit report immediately
Product: Mortgage

On XXXX XXXX, 2015 I paid my Mortgage in full. I followed all of the banks processes and procedures to satisfy this loan. Since that time, I have been waiting for the final documentation from this bank showing that the loan has been paid in full and the lien has been removed from my deed. I have made a number of calls to their customer service department and have been told, both by phone and by letter, I would be receiving the documentation soon. My most recent call was made on XXXX XXXX, 2015 where I was advised that the issue is being escalated and I would be contacted within a week to advise me of the status. I have not. I want all the final documentation showing the Morgage has been satisfied and a copy of my deed showing the lien has been satisfied.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened a store credit card and purchased furniture totaling {$2100.00} from the XXXX XXXX XXXX XXXX in XXXX, LA. I agreed to apply for store credit because of the promotional offer of XXXX months deferred interest payments, other wise I would have made other arrangements for payment. I was promised this by my salesmen as well as the store manager and financing specialist, my wife was present for the entire exchange. I had been making payments in an effort to have the balance paid in around XXXX months. However, on XX/XX/XXXX I received my monthly statement from XXXX   XXXX to my surprise my balance had increased by {$690.00}. I logged in assuming my account had been hacked. After logging in to check on my account activity I saw no unauthorized purchase but I did see backlogged interest that had been applied to my account, noting my promotional interested had ended after only XXXX months not my promised XXXX.
Product: Credit reporting

This letter is being sent to you in response to a listing on my credit report from CREDITCHECK TOTAL. Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX ( Sec. XXXX ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from CREDITCHECK TOTAL. 
For the purposes of XXXX XXXX XXXX XXXX this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.
Product: Mortgage

In XXXX I bought a home, with XXXX XXXX XXXX as the mortgage holder, it later sold the mortgage to Green tree and last year Green Tree changed it 's name to Ditech. During the process of change over one year ago. The mortgage has always collected the escrow for wind, home and flood insurances plus taxes. Last year my mortgage total came down it was a steady {$1500.00} + for all the years I 've owned the home, it dropped to {$1300.00}. I called everyone because I knew there was a mistake and got nowhere. Last month I got the escrow analysis and then the new mortgage billing and my total mortg & escrow went up by whopping over {$470.00} a month! I called Ditech several times, today a manager said that last year Ditech did not collect escrow for XXXX of the policies but that they paid. Because of that they say I now have a deficit of over XXXX and hence my higher mortgage payments. The Ditech manager XXXX admitted they made a mistake. I asked for a copy of XXXX 's escrow analysis and she told me she could not see it in the system, then she found it on some " other system ''. I asked for a copy of it to be sent to me, faxed, e-mailed whatever and she said she could not. 
I have called for weeks and hours trying to find out the truth. The manager admits they made a mistake, that now I 'm paying for. I do not trust them. They keep pushing me to refinance with them or extend the loan, every time I call and by mail. I do n't think I should be paying for their mistakes and I do not trust their numbers. I think they did this on purpose so that I 'd be force to refinance with them or extend the loan another 30 years. I 'm nearing XXXX and a jump of {$400.00} additional moneys every month is hard to do. I 'm beginning to feel this is a game for them and of course we the consumers are always at fault right. Wrong! She admitted they make the mistake! I have excellent credit and a lifetime of paying my mortgages and debts, I think they want to create a problem or cause a problem for selfish, greedy reasons. This company needs to close their doors and be thoroughly investigated ....
Product: Mortgage

ON XXXX XXXX 2014 THE DEPARTMET OF JUSTICES ORDER BANK OF AMERICA PAY XXXX BILLONS FOR PRINCIPAL REDUCTION FOR CONTRYWIDE LOANS SIX MOUTH BEFORE TO THE ORDER COME IN TO EFECTIVE BANK OF AMERICA SOLD MY LOAN TO XXXX XXXX MY QUESTION IS DO THIS IS LOAN IS GRANDFATHER IN I NEVER HAVE A PRICIPAL REDUCTION ON MY LOAN EVEN SO I ASK THEN MANY, MANY TIMES
Product: Credit card or prepaid card

Dear Citi Bank, I am writing to request that you quickly resubmit my claim number XXXX, which I accidentally withdrew by mistake. I have called in multiple times to inform your phone representatives about the issue, but they kept doing the wrong claim ID. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The transaction in question is " XXXX XXXX XXXX XXXX {$1800.00} on XXXX XXXX XXXX ''. This transaction was fraudulent, and I have attached proof to my CFPB file showing that XXXX ( the merchant ) emailed me confirming that it was also fraudulent. Despite this, they have refused to refund me the money due to an unreasonable policy that did not apply to me. It is important to note that their policy did not explicitly bind me, and therefore, it is unfair to reject the refund. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Furthermore, I want to emphasize that my XXXX account was hacked and used fraudulently. This means that I did not authorize nor initiate this transaction. As a victim of fraud, I should not be held responsible for this transaction. It is important to note that my XXXX account was compromised due to its own security breach and negligence, which does not bind me to the terms and conditions set by XXXX 's refund policy. Therefore, I urge you to take into consideration the fact that the fraudulent transaction was a result of XXXX 's fault and not mine, and to take swift action to provide me with the refund that I am entitled to under government policy. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In summary, I kindly request that Citi Bank immediately resubmits my claim number XXXX and provide me with provisional credit. Additionally, my account has already been secured and the stolen card was replaced over the phone. I urge you to consider the evidence attached to the CFPB file, including the email correspondence from XXXX acknowledging that the transaction was fraudulent. As a victim of fraud, I should not be held responsible for the unauthorized charges made to my account, and it is my right to receive a refund under government policy. I appreciate your prompt attention to this matter and look forward to a swift resolution. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - As this was a fraudulent transaction, I am entitled to a refund according to government policy. Therefore, I urge you to quickly resubmit my claim so that I can receive the refund that I am rightfully owed. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --- Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I made a payment to TD Finance of {$220.00} on XX/XX/XXXX to satisfy my XX/XX/XXXX payment obligation. I then made another payment for {$220.00} on XX/XX/XXXX to satisfy my XX/XX/XXXX payment obligation. TD Finance recorded both payments as received in XXXX and no payment received in XXXX. I called and was told that because my payment came in before the XX/XX/XXXX cutoff date that they recorded the two payments as a double payment in XX/XX/XXXX and no payment in XX/XX/XXXX. They then listed my account as being in arrears. I contacted them once by phone at which time an operator named XXXX stated she could not change the information and would have a supervisor contact me. No supervisor contacted me for two days at which time I sent them an E-Mail describing the problem. A week later they sent a return E-Mail stating that they would not correct the problem due to a late payment by me. I again E-Mailed them stating that I had not made a late payment, I had made an EARLY payment. I find this to be ridiculous and only view this as a large Finance company seeking to take advantage of a responsible individual with a spotless credit history by increasing my payoff amount and negatively affecting my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$45000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove itXXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of an unauthorized inquiry on my credit report, which resulted from a data breach that compromised my personal information. In accordance with the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that the following inquiry be removed from my credit file : Unauthorized Inquiry Creditor Name : XXXX  Date of Inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I requested an investigation into items that I believed were inaccurate and knowingly reported in a letter to you dated XX/XX/2024. This letter serves as a formal complaint regarding your submission of incomplete and inaccurate credit information. I respectfully request that evidence and payment history pertaining to these purported late payments be provided. As far as my records go, I have never paid past due on these accounts. The subsequent late payment information must be reconsidered due to its inaccuracy and subsequently deleted from my credit report, as it is providing false information.
Product: Debt collection

XXXX XXXX XXXX sent my accounts to collections to XXXX, even though I was regularly paying. XXXX  robocalls me every 2 hours, starting at ~XXXX going through XXXX or XXXX, asking me to call in. I have called and asked them to stop months ago but they have not. They also spoof their number with other local numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax : Im writing to dispute the following incorrect information on my credit report. The items I dispute are on the attached screenshots of my credit report. 

Incorrect Personal Information Previously disputed.

- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Unrecognized/ Authorized inquiries previously disputed. I know ask for your method of verification for these. Either furnish proper verification or delete these immediately. 
- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regards to this matter. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX