23daVinci/CFPB_Complaints huggingface dataset:
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 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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, other than 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I initiated a dispute with TRANSUNION last year to challenge some inaccurate and unverifiable information on my credit report. At the same time I contacted the creditors in question per my right under the FCRA. I have received no response from the creditors and the credit bureau has stated that they verified the accuracy. I have requested in XXXX separate letters the " verification of procedures '' on how they contacted and verified these accounts in question. They have failed to provide this to me in writing. The issue I 'm having is that if the creditor supposedly verified with the credit bureau then why did they not verify with me, the alleged debtor. 

TRANSUNION has failed to comply with the federal laws in place to protect consumers from inaccurate or false reporting. This lack of due process and disregard for the federal mandate has placed a burden on my credit report and my family 's future. 

Please assist because I have no other way to turn, my next option is to hire a civil attorney. 

Thank you, ** all documents sent are provided in the document upload section on this complaint **
Product: Mortgage

We had a home that we were behind on payments. We were trying to sell it and we continued to fall behind on our payments. We eventually found a buyer for our house and during this whole time we kept in touch with Ditech on the situation. We were told that we are okay to sell our home, that it is not in foreclosure and we do not need a short sale. So prior to our settlement to sell our home we were issued a payoff from Ditech ( they issued XXXX different payoffs within a week of each of them but the XXXX one we were told was correct and that we can proceed to settlement ). This payoff had tons of late fees, and charges and lawyer fees and we just decided to move forward with selling it. We went to settlement, sold the house, signed all the documents and the Deed to the property. The money was wired to Ditech to pay off the mortgage. The Title Company even cushioned the wire with several days of interest. So 7 weeks later, instead of us receiving the additional cushioned interest back to us. Ditech wires back the money to the Title Company. The Title Company ( and all mortgage professionals that i have contacted ) have never heard of something like this happening and tried to contact Ditech to find out why they sent the money back. Ditech would not talk to them so the Title Company called us to help them get information on what was going on. We spent hours on the phone to find out that Ditech had an error on the Payoff and did n't add on {$12000.00} of supposed Attorney fees. When we asked for an itemization of the Lawyer fees, they issued a new payoff with NO lawyer fees and other misc charges that they decided to charge us, plus they added a year of Homeowners Insurance that is not needed on the property that they want us to pay. This is scandolous! First, they kept the money for over 7 weeks!! The people are moved in and making Mortgage payments on their new house that they think they own it. Second, Ditech stated that the additional money that we owed was due to Attorney fees but after requesting for an itemization of those attorney fees they called the fees something else entirely. Their only claim was that Ditech 's Payoffs are not definite and they have the right to change their minds on what money is owed at any time!!!! Please help!!!
Product: Debt collection

Halsted Financial Services has violated Section 392.307 of The Texas Finance Code and Section 1066.26 of The Code of Federal Regulations by attempting to collect on a Time-Barred Debt. Ive received correspondences from Halsted Financial Services and XXXX  OXXXX XXXX XXXX both collecting on the same debt at the same time which is impractical. Neither debt collector disclosed that both accounts were Timed Barred Debt. Failure to disclose a Time-Barred Debt is a direct violation under Section 392.307 ( c ) ( e ) of The Texas Finance Code. I have filed an additional complaint with The Office of The Attorney General to further disclose Halsted Financial Services business practice.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Account Number : XXXX
Product: Student loan

I have requested several times that all interactions, bills and other changes be sent through the mail and my address has been updated several times online and over the phones. I was set up for XXXX months of auto-payments that I guess ended in XXXX XXXX. But I have never received a single piece of mail, phone call or email about them ending. Sallie Mae has told me my mail is being sent but where is it going? I also provided them with my main email address and phone number and no calls about the auto-payments coming to an end. 

I was told I was set up with an account manager who should be calling me but have never received a single call from her about my account. This is the 2nd time I have had issues with payments and no information was sent to me. I moved in XXXX of XXXX and I changed my address online, nowhere did it say that I also had to call and update my address in order for my auto-payments to be taken out. If I update my billing and mailing address online should that not be entered into their system? If not should they not have contacted me by mail, email or through the phone numbers I have provided? 

The only reason I have realized something was wrong with my payments was when it was reported to XXXX XXXX and my credit monitoring companies let me know something was wrong. Prior to my credit monitoring companies alerts about an issue Sallie Mae failed to reach out to me in any way. 

Once again Sallie Mae says they are mailing my correspondence but I only receive emails saying your Tax information is ready and check your XXXX credit score. That information is not that important when my credit and payment history is being affected because of the lack of communication on the Sallie Mae end. How is it that every month my statement does not make it to my physical mailing address or my email address? But when asked one agent told me I have requested all my information to be sent by mail and another agent told me I had requested all my information to be sent electronically through email? 

This issues with my payments and lack of communication on the side of Sallie Mae is causing me issues when it comes to moving forward in my life because they keep dinging my credit every few months.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I've had multiple problems with transfers sending money receiving money and my account has been hacked numerous amounts of times
Product: Credit reporting

Ive contacted equifax numerous times in regards to incorrect information on my credit report. I was told I could not re-dispute information that has been previously disputed. I have XXXX items on my report that were the cause of someone opening accounts under my name. I have reported this to the proper authorities and equifax will not accept I contacted law enforcement in regards to this. Equifax keeps updating my report with incorrect information which is affecting my credit score. I have sent letters/phone calls/copies of proof and am getting nowhere. I 've submitted a complaint on equifax already. I am fustrated at the the fact I supply proper proof and they still will not correct and remove this negative information. I also have XXXX credit cards that are held with commenity bank. I was told from equifax I need to contact commenity bank myself to clear the issue. I contacted commenity bank and received XXXX seperate letters for each of my accounts. ( XXXX XXXX ). I supplied the letters to equifax to show proof that they are requesting to update my report as these accounts were never paid late. Equifax still has not updated the information. XXXX account shows to go to a positive in 2022. This is beyond ridicilous. I am being penalized for incorrect information that is reflexing as negative when it should be reflexting positive. My next step is to hire an outside attorney to sue equifax for not correcting my report. This negative incorrect information is affecting my credit score. Especially when I paid all XXXX accounts on time and have proper proof from the bank stating so.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

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

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

The items in dispute are as follows : XXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my XXXX  XXXX on credit report to state current. It is reporting negative on XXXX, Experian, and XXXX from the XXXX XXXX XXXX XXXX  XXXX   XXXX. XXXX XXXX my XXXX XXXX worker said that she will update my file as current. She works out of the XXXX County Division. She can reached at XXXX. She told that she will me a letter. Yet, I have not seen a letter or heard any thing from her in regards to honoring what she agreed to do,
Product: Credit reporting, credit repair services, or other personal consumer reports

Since my identity has been compromised, it has strongly effected my true credit report and reflects unauthorized and unknown accounts to me, I'm demanding that these accounts be removed immediately from my credit report. The following accounts are, XXXX XXXX CR {$440.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$1500.00}, XXXX XXXX  {$640.00}, XXXX XXXX {$210.00}, XXXX XXXXXXXX XXXX {$150.00}, In accordance to the laws of the FCRA if you can not show true and physical documentation of the original document of these accounts then these accounts shall be removed immediately.
Product: Debt collection

False Promises and Incorrect Information.

Transworld Systems Inc. promised they would delete this account from my credit as I paid it, and it is a utility, during Coronavirus. They are still reporting that account. I wrote them a letter asking them to keep their word. That letter was returned to me. They reported the wrong address to XXXX. They have totally misrepresented all facts associated with this account. I DEMAND JUSTICE!
Product: Mortgage

On XXXX we applied for a chapter XXXX due to debt incurred with XXXX XXXX.Our chapter XXXX process terminated around XX/XX/XXXX, the debt claimed by XXXX XXXXXXXX was paid up at the end of such time period. The third week of XX/XX/XXXX we received the first call from XXXX XXXXXXXX, asking us if we wanted to pay what we owed or if we want our home to be foreclosed. Days after we received a certified letter from them claiming we owed {$8500.00} plus {$1800.00} to be paid by XX/XX/XXXX to avoid foreclosure of our only residence. Do to the fact that XXXX XXXXXXXX, closed operations in Puerto Rico around XXXX we have no way to communicate with a XXXX XXXXXXXX personally. The debt they claimed was paid at the end of our charter XXXX process. We tried numerous calls to CitiMortgage since the third week of XX/XX/XXXX with resolution. By the way on every call we were constantly harassed on with no explanation at all. As of XX/XX/XXXX XXXX XXXXXXXX commence refusing our monthly payments claiming the payment should be in full including what they claim we owed them. This procedure ballooned the amount of our debt for no reasons at all. Due to their constant aggressiveness and harassment toward us we were driving to applied for a second chapter XXXX ( XX/XX/XXXX ) to stopped them to foreclosed our only and principal residence, On XX/XX/XXXX they started one more time to pressure the process one more time. I take this moment to thank your organization for your time and support regarding this injustice.
Product: Money transfer, virtual currency, or money service

PayPal notified me on XX/XX/XXXX that my account had been " permanently limited '' and that I could no longer use it. I called PayPal on the XXXX, and they explained that I had violated their acceptable use policy ( AUP ) and canceled my account. They could not tell me what part of the AUP I had violated and that there was no appeals process. I called backed on the XXXX of XXXX to plead my case, and no pleading was available, that I could not have my account reinstated. 

In addition, my balance of {$500.00} would be stuck in PayPal 's hands for 180 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX  XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX USA ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX  Bankruptcy-discharged Reference # : XXXX
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving innacurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where they have neither corrected, nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actionto remove disputed accounts, as their inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

As I was reviewing my consumer file, I came across several accounts that do not belong to me, that Have been placed on my credit report. These accounts are a fraud they are not mine I am a victim of Identity thief, I have filed a federal trade commission identity thief report and have disputed these account with the credit bureaus. In accordance with the fair credit reporting act the following accounts have violated my rights based on 15 US code 1681 section 602 A states I have the right to privacy. Also 15 U.S. code 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. also 15 US Code 1681 b permissible purpose of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not authorized anyone or gave anyone consent, nor permission to use my credit nor check my credit. The following accounts are a fraud and were done without my authorization or consent, nor permission to use my credit. The following accounts are a fraud and were done without my authorization. I request that these accounts be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

i withdraw a payment from my XXXX account to XXXX  account.. 
XXXX  gives that details.. but money not arrived..Transfer ID XXXX.
Product: Credit card or prepaid card

American Express serve is claiming I owe them {$740.00}. I have a prepaid card with them so I'm so confused how I owe them. I do frequent a bar in my local neighborhood and they believe i purchased goods on XX/XX/XXXX. Multiple times which i haven't. They refuse to reverse the charges. I had money on the card from payroll funds as well as my tax refund. I dont owe them any money. As a matter of fact it is always something with this company.
Product: Checking or savings account

I have applied for the US bank smartly checking account and I was asked to contact their customer authentication department on XXXX as they were not able to verify my identity. My application id is XXXX. I have been trying to call the department but no answer. I also spoke to the banker and he said they can not do anything and I have to wait for the customer authentication department to pick up the phone and help me verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries : XXXX -date FRAUDULENT ACCOUNTS ; -XXXX   XXXX  XXXX  -DATE XX/XX/XXXX -AMOUNT XXXX ACCOUNT #XXXX

-XXXX XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX -AMOUNT {$340.00} -ACCOUNT -- XXXX  ( ORIGINAL CREDITOR IS XXXX ) AMOUNT {$850.00} -ACCOUNT #XXXX