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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa 18XXXX XX/XX/2022 TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX To whom in may concern : Please remove the extended Fraud Alert on my credit report. I do not want it. To verify my identity and address, Im including a copy of my drivers license, social security card and a recent bank statement. 

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

Under 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 and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, and 164. 
XXXX XXXX XXXX, ( Reported to Transunion ) XXXX XXXX XXXX  XXXX ( Reported to Transunion & XXXX ) XXXX XXXX, ( Reported to Transunion & XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX these items have violated my rights. 
In 15 U.S.C 1681, section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have been attempting to ask XXXX XXXX XXXX  for help due to my health complications and financial hardships I have been experiencing. In my last communication to them I explained in detail my financial and labor problems that are causing me to be unable to pay my accounts. 

My representative contacted XXXX XXXX  XXXX asking for help and a settlement, but they demanded I hand over {$1600.00} to settle this account. Unfortunately, I dont have {$1600.00} since my monthly income is around {$900.00} per month, just last month was {$860.00} ( please find the attachment ) and I must pay my basic living expenses ( please find attachment ). It's quite the peculiar assistance they are claiming to provide. I am filing this complaint in hope my offer be deliver to the owner of the debt Midland Funding and the regulators see what XXXX XXXX  XXXX is doing to consumers, even low-income student. 

Because my work is not an essential industry, I was impacted to Covid-19, and at this point I dont have any source of income.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  and transunion  credit report shows false information that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus violated my rights under : 15 U.S.C 1681 section 602 A : I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions. Here are my certified mail tracking # XXXX and XXXX. 

I recently received a result from a dispute that was finalized weeks ago. Under FCRA 611 ( a ) referencing an erroneous or inaccurate item ( s ) on the credit report involving some type of transaction that I am not familiar with. I am saddened to learn that they somehow verified these disputed items, stating to leave it on my report. I am absolutely certain that these items that were disputed are incorrect and should be deleted, you have given me no choice but to exercise my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate the accounts in question and disputed. 

XXXX XXXX XXXX - Send complete method of verification XXXX XXXX XXXX XXXX - Send complete method of verification XXXX XXXX XXXX XXXX- Send complete method of verification I am readily interested to learn how there investigator arrived at this erroneous conclusion. I demanded to see a complete list of all and any documents along correspondence from each person contacted. I asked them to include all names, addresses, and contact information of employees that they spoke to as part of this investigation including the date and time with phone number given, please. I have enclosed all previous letters that I sent to you previously but are once again enclosed along with this correspondence in order to help you process this request demanded. This verification is critical because my credit report and credit scores are very important and of value to me. I believe it is being unwarrantable, hurtful, and undeserving to a consumer like myself who truly cares about his credit. These unfortunate errors reporting need to be deleted in order for me to be competent and able to maintain great and attain credit. I am in the process of organizing and laying the groundwork for a possible legal case, so I need certain and specific answers related questions I have demanded within this letter based on your information supplied. I expect to receive a response from these 2 companies within 15 days upon receipt of this letter, or you have a choice of deleting this from my credit report as I also expect to see the item permanently deleted from my credit report based on the unreliability of the information furnished. 

The below attachments represent the latest results of disputes from XXXX and Experian. 

Thank you for your prompt attention. I look forward to getting this predicament resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a certified letter requesting an investigation into some inaccurate account on my credit report. Experian has not responded to the request within the 30 days given. They have not done their duty mandated under the law. 

Also, they have violated my rights even more because in accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, which it is not. This is grounds for removal.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

i reported fraud and was told i had 10 days to return the filing paperwork, i did not recieve the paperwork until after the 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. ALLY FINANCIAL XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I CAN NOT get into my Equifax account in order to UN freeze it for 24 hours. I am trying to purchase an automobile as I was just in a bad accident and my car was totaled. I have tried numerous times an many different phone numbers to get this done. Given them the same information repeatedly that was okay in XX/XX/2018. The dealer will hold the car until tomorrow morning - XX/XX/2018. Other similar cars are {$4000.00} MORE. 
I need this problem fixed NOW!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted application through XXXX XXXX and was advised that inquiry would be soft inquiry ; however after checking my report through XXXX it shows as hard inquiry. 
on XXXX/XXXX/2022
Product: Debt collection

I sent a letter to NCS-National commercial services - onto XXXX XXXX,2015 in an attempt to resolve a claim against me. I wrote in that letter they could ONLY contact me in writing at the address they had on file. On XXXX XXXX,2015 a representative from that company left a threatening voice mail ( at XXXX ) in an attempt " to educate me '' concerning the claim. They threaten to have my license taken away. The persons name was XXXX XXXX at ext XXXX.
Product: Credit card

THE COMPANY SHOWED A 30 DAY LATE IN XX/XX/XXXX. THE COMPANY ALSO SHOWED A 90 DAY LATE IN XX/XX/XXXX. THE PAYMENT WAS NOT LATE, IT WAS MADE ON TIME. I HAVE MADE NUMEROUS ATTEMPTS TO RECTIFY THE MATTER BY SHOWING ITS INCORRECT WITH THE COMPANY.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card or prepaid card

Four times - I received notice from Bank Of America that my application for " XXXX  XXXX XXXX XXXX XXXX '' could not be processed because my credit reporting accounts were frozen. Also received from BOA a notice that my " XXXX  XXXX XXXX XXXX XXXX '' from BOA could not be processed because of frozen credit accounts. 

I had frozen my credit reporting accounts, but I do not have any accounts with BOA nor did I apply for any credit cards. I did contact BOA and was eventually able to talk with someone who gave me a couple tips to further guard against further applications. I can not easily get in touch with BOA even when they leave a number because their menus require an account number, which I don't have. 

I can't fault BOA too much except for the number of times a credit application was received but kicked back by the Credit report agencies.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

My Name is XXXX XXXX XXXX. 
XXXX is my middle name and NONE of my credit uses my middle name. 

Please correct this ASAP. The company response to the dispute is not acceptable.
Product: Money transfer, virtual currency, or money service

I am writing to express my strong concerns regarding Zelle 's handling of disputes, especially in light of the significant issues highlighted in the recent CFPB lawsuit. My attempts to report discrepancies have shown that both Zelle and my financial institution have not committed to adequately investigating my claims. They dismissed my requests by stating that recovering my lost funds was impossible and that tracking these transactions was unfeasible.

The findings from the CFPB clearly demonstrate that Zelle has not only failed to protect its customers but also allowed repeat offenders to exploit the system, putting users at serious risk of scams. This lack of accountability and transparency is entirely unacceptable and raises critical questions about the safety of customers.

I have encountered multiple issues with my transactions : I mistakenly sent {$80.00} to the wrong person, {$150.00} to another incorrect recipient due to a one-digit error, and even received a Zelle payment of {$700.00} when it should have been only {$100.00}. I immediately contacted my bank for assistance, but the response I received was inadequate. It is imperative that we demand improved protections for Zelle users to ensure their safety and restore trust in the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged charge off account from XXXX XXXX XXXX  that had been deleted from XXXX and XXXX because they realized that the information is inaccurate, but it is still reporting on Experian. I sent a notice to the creditor requesting for a 1099-C form but they failed to provide me this, so this reported information is not only invalidated but inaccurate because I can only assume they are violating federal law and committing tax fraud if they didnt file and Im ready to report them to the IRS for violating IRS regulations. Ive filed an IRS Form 3949-A which I will be attaching. ( only say this if we filled out the form and can attach it ) Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. Experian is participating in fraud with XXXX XXXX XXXX  and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE : XX/XX/year> Experian Information Solutions, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information in Credit Report Dear EXPERIAN, I am writing to formally dispute inaccuracies in my credit report as provided by your agency. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incomplete or incorrect information. Please investigate the following items and remove or correct them as required by law. 
Details of the Disputed Item ( s ) : Item Description : Account Number # XXXX, XXXX XXXX Account Number # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX for Dispute : [ e.g., The account is reported inaccurately as delinquent when it was paid in full. According to the Internal Revenue Services all abandon property must provide a 1099a or 1099c for the purpose of indebtedness, income can not be reported to consumer reports. 

Reason for Dispute : This action alleges that Experian violated both Acts by failing to reasonably reinvestigate consumer disputes challenging the accuracy or completeness of information in consumer reports, including by failing to forward all relevant information to furnishers, failing to provide adequate or accurate notice to consumers of the outcome of their disputes, and failing to utilize reasonable procedures to ensure the accuracy and completeness of information in consumers files. 
according to the Wisconsin statute code 6 years is the reporting period please remove any and all items related to this violation. 
Supporting Documentation : I have enclosed the following documents supporting my dispute : [ List supporting documents such as proof of payment, correspondence with the creditor, etc. ] Copy of 1099a and 1099c will be attached.

Additionally, I have concerns regarding Experian 's compliance with FCRA guidelines as outlined in the recent Consumer Financial Protection Bureau ( CFPB ) complaint, including but not limited to : 1. Failing to forward all relevant dispute information to data furnishers.

2. Over-relying on incomplete or inaccurate Automated Credit Dispute Verification ( ACDV ) responses.

3. Providing ambiguous or misleading reinvestigation outcomes to consumers.

These practices, as documented in the CFPB 's complaint ( XXXX XXXX : XXXX ), have harmed consumers, and I urge your agency to take these concerns seriously in your reinvestigation process. 
Please complete this investigation and provide a written update of the results within 30 days, as required by law. If the disputed information can not be verified, I request its immediate removal from my credit report. 


Thank you for your prompt attention to this matter. I look forward to your response. 



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

Improper use of your report 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Checking or savings account

I borrow {$420.00} from a friend, Im going through XXXX treatments and Ive been missing work. I needed to money for a car payment. This was in XXXX. I spent XXXX hours with chime on the phone because they wouldnt let me withdrawal my own money because I didnt verify a debit card they sent me a year prior, after a few hours on the phone we discovered we could assign me a temp card. We assigned me a temp card, I transferred {$420.00} from my chime account to my XXXX XXXX XXXX account. I also closed the account. I then get a email a week later informing me my XXXX transfer has been canceled due to suspicious activity. 

I spent an hour on the phone with them Friday trying to escalate this to the appropriate team and I have a single email that has not been responded too. 

I have sent XXXX email without corespondents in an appropriate amount of time. I really need this money its all I have to my name, I still have to pay my friend back. They are not responding to my emails and when I call in they just say I have to deal with the email department. 

This looks like this my only option to get somewhere before I take them to small claims.
Product: Credit card or prepaid card

Barclays and Jetblue have partnered to offer a MasterCard. They claim that you will receive promotional bonuses and points for flights. I have spent 4 hours on the phone with both Barclays and JetBlue and neither company is able to link my credit card with the Jetblue rewards. They refuse to award the offer for which I signed up.
Product: Mortgage

My income has decreased and I sent to my mortgage company a request with my financials for the mortgage modification. I was declined because they said I had already had 1 modification within the last 5 years. I don't want to lose my home and Wells Fargo is unwilling to assist me. I have been reading and there is assistance under the XXXX XXXX & XXXX XXXX Modification Flex plan. I have resubmitted my modification request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since XX/XX/2018, I have been charged monthly by National Debt Reduction Services around the XXXX of each month with {$270.00}. During the initial interview prior to charging me, they informed me that they will work with some of the companies that I have current debt with ( XXXX XXXX XXXX, XXXX, and XXXX XXXX ) to help significantly reduce the debt I owe them. They initially guaranteed that after 90 days, I would start seeing my debt from one of the companies become lower. However, it has been already 5 months, and instead of going lower, my debt has increased exponentially ( one of them has even doubled ). I also started receiving harassing calls from debt collectors on a daily basis ( sometimes even 4x a day ). I contacted them about this issue on XX/XX/2018 and they suddenly disclosed to me that they were waiting to reach a threshold amount so that they can begin negotiations with one of the companies, and that they are currently in negotiation with one of them. I am able to see my debt balance online with them, and I do not see this being reflected. I am highly suspicious that this may be a scam, so I would like Consumer Financial Protection Bureau to investigate further.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized or inaccurate credit inquiries listed on my credit report. As a consumer, I have rights under both the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ), which require that all credit information on my report be accurate and verifiable. Upon reviewing my credit report, I found the following inquiries that I believe to be unauthorized or improperly documented : Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Name : XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX  Date of Inquiry : XX/XX/XXXX XXXX
Product: Debt collection

Law office MBA Collections I am XXXX  % XXXX  veteran this company has me reporting to the Credit bureau. A debt of {$410.00} for medical never send a bill but they was giving all the information to get their money from the V.A.  This account is more than three years old. And its not removed from my credit report please have them report this collection.