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

I have recently tried several times to correct my personal information with TransUnion, XXXX XXXX XXXX XXXX, my name, address and employer are being reported incorrectly the only one reporting all correct is XXXX. 
The first attempt was via telephone did not work, My second attempt was via certified mail which I included a copy of my XXXX Drivers license, social security card, work ID and a most recent electric bill to both TransUnion and XXXX but as you can see on the documents I`m going to upload they still haven`t corrected the problem and I continue to send them certified letters but as you can tell no progress has occurred. 
I am in the process of obtaining a mortgage and the banks are asking me why do have so many different names or variations of my name. 
I am deeply sadden that a simple task like correcting personal information has become so difficult for TransUnion and I would like to get help in getting this issue finally corrected. 
My name is : XXXX XXXX Not : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX. 

my only address is : XXXX. XXXX XXXX  XXXX. XXXX XXXX, NY XXXX My only employer is : XXXX. XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously contacted the company Equifax to let them know that I have never had any dealings with XXXX XXXX. Then I received a letter saying upon investigation that the account belong to me, which is not true. I do not know what kind of investigation they did but whatever they did, they didnt do it deep enough, because this is not my account XXXX with a balance of XXXX
Product: Debt collection

I don't own this debt nor do I know what this debt comes from. I haven't come into any financial obligations with IC SYSTEM. I dont have any contracts or debts with IC SYSTEM
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible.
Product: Debt collection

I attended part of semester at  XXXX   XXXX  in   XXXX   XXXX    XXXX . I withdrew from my courses.  XXXX   XXXX  charged me a penalty. Subsequently, my  XXXX  tax return was seized to cover the entire {$770.00} penalty the school charged me. They later sent me a letter notifying me. I received this letter from  XXXX   XXXX , attempting to collect the same debt. I asking that this debt collector be sanctioned for attempting to collect a debt, which has been paid in full.
Product: Debt collection

My brother was deceased in 2019. I called all of his creditors and they were understanding except this one who keeps calling me on this recorded number at all hours of the day and evening. The creditor is " Harris and Harris '' phone number XXXX.
Product: Credit reporting or other personal consumer reports

I have contacted this company NUMEROUS TIMES over many years ( since XXXX ) for debt validation and have received NO RESPONSE ; most recently XXXX, XXXX, XXXX of XXXX, XX/XX/XXXX. I continue to receive NO CORRESPONDENCE AND NO VALIDATION OF OWNERSHIP OF DEBT ; however, they continue to re-age the debt, change the type of account ( OPEN ) from time to time. This even reads as a credit account on some of my credit reports. I have also contacted XXXX major credit bureaus requesting information received on their end ( most recently today, XX/XX/XXXX ). They refuse to furnish information received information received from this agency. It was recommended by XXXX that I file an FTC complaint regarding this matter in order to have this removed from my credit report since the bureaus agree this is a gross violation of the FCRA in several areas.
Product: Mortgage

SLS Mortgage ... XXXX XXXX XXXX XXXX XXXX $ XXXX. They put payment into suspense. 

Never short even with increase in escrow payment comes to {$2300.00}. 

I have made at least 10 call tickets and had conversations with just as many agents beginning XXXX of XXXX. NO HELP WHATSOEVER. 

XX/XX/XXXX - Called to question the large increase in payment. Escrow calculation was provided. Incorrectly calculated. Agent apologized and said it would be corrected, no problem. 

XX/XX/XXXX - Statement arrived with incorrect amount due, but we knew SLS was fixing it. 

XX/XX/XXXX - Statement arriving again with wrong amount. Called agent again - told me a " ticket '' was being created to address the issue. They said the payment was lost. I had to provide proof of payment by sending requested documentation to XXXX. Rec 'd email stating docs were received. 

XX/XX/XXXX - I called to check. This agent said a " ticket '' was never created previously. They said the only thing that was noted was a request to waive penalty. This agent created another " ticket '' to fix the " missing payment ''. I was assured it would be corrected, no problem. 

XX/XX/XXXX - Statement arrives - NOT fixed. 
XX/XX/XXXX - Called agent. Stated the other ticket was closed because now they said that XXXX payment wasn't missing! ANOTHER " ticket '' was opened for a " missing '' XXXX payment. Agent said shouldn't be an issue anymore. It will take 3 - 5 days to correct the problem. 


To this day, SLS has not corrected the problem. 


***Big Picture : Old mortgage amount XXXX. New mortgage amount after escrow ( corrected ) {$2300.00}. WE SENT {$2400.00} EVERY MONTH 4 TO 5 DAYS BEFORE DUE DATE. NEVER LATE, ALWAYS PAID MORE THAN THE PAYMENT DUE. *** XX/XX/XXXX STMT Due XXXX {$2300.00}. No issues PAID {$2400.00} XX/XX/XXXX for XXXX. 

XX/XX/XXXX STMT Due XXXX {$2300.00}. No issues PAID {$2400.00} XX/XX/XXXX for XXXX. 

NEW PAYMENT WITH NEW ESCROW AMOUNT {$2900.00} ( INCORRECTLY CALCULATED. THEY EVENTUALLY FIXED THE ESCROW AMOUNT ). 

XX/XX/XXXX STMT Due XXXX XXXX ( WRONG AMOUNT ) PAID {$2400.00} XX/XX/XXXX for XXXX SLS PUT XX/XX/XXXX PAYMENT IN SUSPENSE CAUSING THE STATEMENTS FROM HERE FORWARD TO SHOW PAST DUE BALANCE! 

( THEY CORRECTED ESCROW - NEW PAYMENT AMOUNT TO {$2300.00} ). 

XX/XX/XXXX STMT Due XXXX {$2300.00} + PAST DUE AMOUNT {$2300.00}. PAID {$2400.00} XX/XX/XXXX for XXXX THEY PUT XX/XX/XXXX IN SUSPENSE. 

XX/XX/XXXX STMT - Due XXXX {$2300.00} + PAST DUE AMOUNT {$2300.00}. PAID {$2400.00} XX/XX/XXXX for XXXX. 

XX/XX/XXXX STMT Due XXXX {$2300.00} + PAST DUE AMOUNT {$2300.00}. PAID {$2400.00} XX/XX/XXXX for XXXX. 

XX/XX/XXXX STMT Due XXXX {$2300.00} + PAST DUE AMOUNT {$2300.00}. PAID {$2400.00} XX/XX/XXXX for XXXX. 

Continues to present day. SLS has yet to fix the problem. Had to contact an attorney.
Product: Credit reporting or other personal consumer reports

I discovered numerous inaccuracies and violations on my credit report that contravene the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. These include : Failure to Verify Information : Under FCRA Section 616, the credit reporting agency accepted inaccurate credit information about me without verifying its accuracy. This is willful noncompliance, subject to civil liability of up to {$1000.00} per violation.

Deceptive Practices : Per FCRA Section 623 ( a ) ( 3 ), inaccurate accounts and inquiries were reported without proper validation, misleading me and other parties reliant on my credit report.

Unauthorized Sharing of My Personal Information : My right to opt out of sharing my personal data, as outlined in FCRA Section 603 ( d ) ( 2 ) ( A ), was not disclosed to me. This is deceptive and infringes upon my consumer rights.

Debt Validation Failures : Under 15 U.S.C. 1692g, several debts reported on my credit report were not validated as required. Without proper documentationsuch as signed agreements or contractsthese accounts can not legally remain on my report. 

Reporting Inaccurate Late Payments : " Late payments '' were inaccurately reported without a clear definition of what constitutes " late, '' violating timely payment regulations and 15 U.S.C. 1681e ( b ). 

Unauthorized Hard Inquiries : Several hard inquiries, such as those from XXXX, were made without my written consent, in violation of 15 U.S.C. 1681b ( a ) ( 2 ).

Failure to Accurately Determine Finance Charges : As a credit reporting agency, you failed to ensure accurate reporting of finance charges, contributing to further errors on my report.

These violations have caused undue stress and harm, including unwarranted contact from creditors, and have potentially damaged my creditworthiness. I demand immediate correction or deletion of the inaccurate accounts, removal of unauthorized inquiries, and validation of debts as per FCRA and 15 U.S.C. 1692g requirements.

If these violations are not resolved promptly, I will pursue legal remedies available under the FCRA to protect my rights.
Product: Debt collection

After having my service with XXXX suspended for several months after moving to a location I was unable to re-establish service, I ended up closing the account on X/X/15. The service had automatically resumed, even without any service equipment connected. I called and spoke with a representative and discussed options. We decided the best thing would be to close the account and pay the early termination fee and remaining balance. She credited one month as a courtesy and since only 1 day had passed in the current bill, that month was essentially refunded as well. This overall left me with a credit of {$130.00} on the account after paying the early termination fee. The account was closed on X/X/15 and a refund of the remaining balance was mailed to me on X/X/15. I have email confirmations showing both events. XXXX has repeatedly over the last 2 years sent my account to collection agencies saying there is a past due of {$180.00}. This is untrue. I have repeatedly disputed this amount with the credit bureaus and had the negative actions removed from the reports. 2 years of disputing credit reports is really getting a little old.
Product: Debt collection

I have filed for chapter XXXX bankruptcy, may case is discharged, but this debt on XXXX is still showing open and the amount owed. It should be reporting as balance XXXX and included in bankruptcy. It is reporting correctly with XXXX XXXX and XXXX, but not with XXXX. I have disputed this with XXXX multiple times and every time it is coming back as valid and that AR Resources us validating the debt. This is in violation of the Federal Bankruptcy code. I have also mailed AR Resources letters stating this and have gotten no response.
Product: Mortgage

Over 3 hours in phone call time on multiple occasions were made regarding force placed insurance on a new loan transferred to Flagstar bank. Resolution has been promised for several weeks regarding updating an escrow analysis on my account. To date, the payment still reflects monies owed in escrow despite all insurance documents being provided and approved from their insurance department. There is a fundamental lack of communication within Flagstar 's departments which causes confusion and prolonged resolution time.
Product: Credit reporting or other personal consumer reports

Per attached screenshots, this is in regards to DEPT OF ED/XXXX  as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on TransUnion, XXXX on XXXX. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates.

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/FOR. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best regards XXXX XXXX XXXX
Product: Debt collection

Im not 100 % sure of the dates but over the course of the last year starting XX/XX/year>. I started to get XXXX XXXX  pretty much almost every month or every other month. I went into the XXXX XXXX and I told them as soon as I got there I had no insurance. It is a XXXX XXXX. They proceeded to XXXX XXXX  and do all these other procedures that were very costly because I had no idea what was going on. I was in XXXX XXXX XXXX XXXX XXXX but I do remember me and my girlfriend telling them I have no insurance I just need something to get me over the XXXX XXXX so I feel cheated. I feel like I have been scammed. I owe {$13000.00} for taking myself to the XXXX XXXX  and asking for help over a XXXX XXXX, I couldnt even XXXXmagine what would happen if I wouldve XXXX XXXX XXXXXXXX this is a sad country that we are forced to pay taxes that we see nothing for then after paying tax were taxed again for anything we need and then guess what thats not good enough make them pay for their own medical and dental and vision and then you know what thats still not good enough. Lets just go ahead and charge them for everything we can so that way they become in debt so bad their life is hopeless and they XXXX XXXX XXXX because thats what these corrupt doctors and medical facilities are doing!!!!! if you guys cant help me, Im going to end up getting a lawyer because Im going to sue the medical facility. They did their part to make sure that they squeezed anything they could out of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My community there were XXXX, XXXX,XXXX these accounts were disputed because of them not being paid but they were paid in full. They kept getting negative marks and they were never late or suppose to be on my report at all. They never change it after it has been disputed. They with XXXX they wont even investigate them. 

XXXX would say that the account was corrected and verified as mine, I have never disputed that it was not mine. I always ask for them to correct the account in full. When i check the dispute notes and dates the dates are old dates as if they never looked at my accounts to even correct them. 

Transunion and XXXX never disputes in a timely manner they will respond with 2 or 3 new credit report without the dispute results stating my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following incorrect information on my report that I need removed. 

XXXX  - XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX XXXX this address does not belong to me XXXX, GA XXXX Experian - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, TN XXXX XXXX  - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX Please update and delete on my Experian, XXXX, and XXXX  reports accordingly. After numerous reuqests of being ignored I demand that they be deleted immediately.
Product: Debt collection

XX/XX/XXXX. Seized from my bank account all funds- {$1000.00} XX/XX/XXXX. XXXX also for fees XX/XX/XXXX. Seized. XXXX.. 
The only income for me is : social security Also I live in the State of Florida I am a Homestead and I am age XXXX. 

That is all I have. I have a mortgage that must be paid. 
I have XXXX husband and adult XXXX children living with me. 
We are a hardship case that was hit by the tornado ( IAN ) XXXX. Trying to fix a roof still. I need those funds to do that!!!
Product: Credit card or prepaid card

I lost my job during Covid and took sick now on XXXX and now Im getting threading calls stating legal action will be taken as if Im going to jail their calling family members and friends about my personal business and I informed company its harrssment calling more then 3 times a day and calling everyone that might know me when they did a skip trace
Product: Credit reporting or other personal consumer reports

Multiple instances of reporting erroneous activity have occurred. It's essential that any unauthorized items are removed within four business days. This involves providing sufficient proof of identity, submitting an identity theft report, identifying relevant information, and confirming its unrelatedness to any of my transactions. 
XXXXXXXX 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

Lexis Nexis is refusing to provide me with my credit report, despite sending them multiple letters and providing them with any information they requested. After filing a complaint with CFPB last month, they sent me a letter providing a link that supposedly gives me access to my credit report, but the link they send me is not accessible externally for consumers. I am attaching the letter they sent me as proof of what they sent me was nothing more than deflection and deliberate refusal to comply. Rather than sending me copy of my credit report, they sent me a dead link simply because they can claim they were complaint with CFPB. I demand that they are fined for the misconduct and provide me with compensation for stalling me from reviewing my own credit report.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

While I was on vacation someone stole my card and card information. According to the bank it was used at a business named XXXX XXXX XXXX. This business doesn't have a valid phone number or website and appears closed. I was over an hour away from where they say it was used and have never been there. I called chase to dispute the charges and they denied my claim. I attempted to elevate my claim and they refused to allow me to appeal the decision.