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

Dear XXXX There is information on my consumer report that is a result of identity theft. I did not provide written permission for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be block and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

BANKRUPTCY filed XX/XX/XXXX XXXX XXXX  {$2000.00} XX/XX/XXXX XXXX XXXXXXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX DEPT OF EDXXXX  {$380.00} XX/XX/XXXX DEPT OF EDXXXXXXXX {$1700.00} XX/XX/XXXX DEPT OF EDXXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX {$140.00} XX/XX/XXXX You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice.

Thank you
Product: Credit reporting or other personal consumer reports

I Looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. And XXXX more thing according to 15 USC 1681s-2 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. 

I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT OTHERS CAN LEARN FROM MY EXPERIENCE.
Product: Credit reporting or other personal consumer reports

This Account was charged off on the following date XXXX since then the account has repeatedly been updated as charged off every month. 
A charged off account shouldn't include an active payment history this inaccurate information falsely manipulates the statute of limitation please investigate this account properly after i asked you to do it Twice and your neglect has violated my rights, I am demanding a deletion of the following accoun. Account XXXX XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

I would like to file a formal dispute regarding TransUnion 's ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) and 623 ( A ) ( 3 ). I have raised concerns regarding multiple charged-off accounts on my credit report, which TransUnion has reported as " verified '' without appropriately updating the status date or the date of the last reported activity. This discrepancy not only calls into question the thoroughness of the " ALLEGED '' investigation conducted by TransUnion OR if any investigation was actually conducted which violates the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ).

As of the most recent re-investigation " allegedly '' conducted on XX/XX/XXXX, my credit report still reflects the status date or date last reported as XX/XX/XXXX, for the XXXX XXXX Account # XXXX, despite an alleged ongoing investigation. Similarly, for the following accounts : 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  : In response to my initial dispute, TransUnion claimed to have " verified '' the accuracy of this account and updated the status date or date of last reported as XX/XX/XXXX. However, TransUnion blatantly disregarded the obligation to include the Notice of Dispute in the comment section within 30 days of my original dispute. This omission is a clear violation of FCRA 623 ( A ) ( 3 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations.

I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I've marked as inaccurate : XXXX - XXXX XXXX XXXX ( Auto Loan ) - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX XXXXXXXX XXXX  ( Credit Card ) XXXX XXXX XXXX BANK XXXX - XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX LLC ) - XXXX XXXX XXXXXXXX ( XXXX XXXX : XXXX XXXX. ) - XXXX
Product: Debt collection

Debt collector or creditor has been calling during my hours of employment. I received a payment remittance coupon in the mail on XXXX. XXXX ; y statement included amount due {$2300.00}, Due Date XX/XX/XXXX. My vehicle was repossessed on XX/XX/XXXX from my place of employment, XXXX in XXXX, XXXX. All of my personal property was in the vehicle. I wasn't able to receive my personal property until XX/XX/XXXX. 
They have violated 15 USC Code 1692f ( 6 ) ( a ). They have also gave my personal information to a third party XXXX XXXX XXXX who stole my vehicle which is violation of 15 USC Code 1692c ( a ) ( b ). They furnished me with deceptive forms and have violated 15 USC Code 1692j ( a ). They charged me {$6000.00} cash down payment which is illegal during a credit transaction which is violation of The Truth In Lending Act 15 USC Code 1605.
Product: Payday loan, title loan, or personal loan

If you want the emails of the customer service ones I have from trying saying that they were going to help me and fix my stuff and do this and that I have some of those and I've been trying to do this for 2 years cuz they can pull my account up I make over {$500.00} a week direct deposit and 2 years my chime has not gotten over a hundred dollar spot me limit it won't raise me and they figured out that there's a glitch in their program a very serious glitch in their program on their {$200.00} deal that they're advertising right now so there's probably going to be a bunch of Americans that are going to get screwed I'd like this to get out because I've been getting screwed for 2 years and then saying they're going to help me and never do
Product: Credit reporting or other personal consumer reports

I sent mulipty dispute letters and this company is not following your rules. I want a full investigation on the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am concerned about the validity and accuracy of their recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!
Product: Student loan

Navient keeps ignoring my allocation instructions, as I am paying ahead on my loans. I write the instructions on a separate piece of paper when I send it in, and also call them before I mail the check with the instructions to put into the computer. They always say they are sorry and it wo n't happen again, yet each month I have to call back after I go online and see my payment has been allocated incorrectly. Dealing with them is 15-25 minutes of frustration each month.
Product: Debt collection

I applied for a pay day loan with Green Trust cash. 
I payed amount in full back a couple weeks a later. 
I was contacted by a representative to pay amount, I told them I did. Representative said it 's a monthly reaccuring amount, so I canceled. 
I went through a bankruptcy and Green Trust Cash was included in the bankruptcy. Now I 'm being contacted again to pay them.
Product: Checking or savings account

I did not received my direct deposit through Capital One on XX/XX/year>. I've called customer service, and they did not have a reasoning or solution to the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX XXXX continues to show on my credit report as XXXX XXXX off 's. The account was paid of XX/XX/XXXX. I have sent multiple letters to Experian, XXXX and XXXX as well as to XXXX regarding this. They claim they have investigated it but they have not.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Trans Union is reporting a debt that needs to be deleted right away. I did not owe the debt and it is inaccurate. XXXX inaccurately charged me and the matter has been resolved with them. There was nothing owed and this is acct is false!! I requested that Trans Union remove yet they failed to accurately review and resolve the matter. There was a transfer of responsibility from my old act ( old act # XXXX ) to my wife 's ( new act # XXXX ). Nothing should have changed yet XXXX failed to do properly make the changes. They eventually figured this out and gave me a credit to our new acct. While I was disputing this charge with XXXX-XXXX, there should not have been any reporting to the bureaus. I paid the acct while the dispute with them was active in order to ensure that there was no credit report issues. Instead of clearing up this mess, XXXXXXXX made more of a mess. Ultimately they realized their mistake and provided a credit to my new acct for the amount that I paid ( {$130.00} ). They screwed up a simple task of transferring acct ownership from me to my spouse. In short, I never owed them anything and my acct which is now my wife 's acct is paid as agreed with no delinquencies. Trans union need to delete this account Immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my identity was stolen to purchase a cell phone at a XXXXPrior to my stolen identity, My credit score was about XXXX with equifax.Because of covid 19, my credit score went down.Now that my identity was stolen to purchase a cell phone my credit score went down again to XXXX.I disputed the XXXX account/trade line many times.Finally, after XXXX did there investigation, they found that my identity was stolen and issued me a letter.I sent the letter to Equifax disputing the unathorized account again.Recently, equifax finished there investigation and deleted the account on my credit report ( confirmation No. XXXX ) .Now that the XXXX account was deleted, My FICO/credit score stayed the same.My FICO score should have immediately gone up because of the  Deleted trade line
Product: Mortgage

My mortgage ( principle, interest, taxes, and insurance ) are through FirstTech Federal Credit Union. I purchased my house at XXXX XXXX XXXX XXXX and moved in on XX/XX/XXXX. In XX/XX/XXXX, I noticed my mortgage payment had increased by {$610.00} with no notice from FirstTech. Trying to get FirstTech to talk to me about this at first was laborious. FirstTech never sent me a notice that my escrow account was short and I was never offered an option to pay the shortage- instead FirstTech unilaterally increased my mortage. Further investigation discovered that FirstTech paid XXXX County Taxes even though on my closing statement from XXXX XXXXXXXX XXXX XXXX it showed that XXXX XXXXXXXX XXXX XXXX had held back taxes to be paid as part of my transaction due to when I purchased the house. This led to XXXX County refunding the taxes paid by XXXX XXXX XXXX  XXXX which never made it back to me and into my FirstTech escrow account. I had to talk to XXXX County to find out this information and then provide it to FirstTech. FirstTech has not followed 12 CFR Part 1024. Due to this event and the lack of transparency by FirstTech I've had to take time out of work, had to go through a serious amount of stress wondering how there could be a $ XXXX dollar shortage that FirstTech did not say anything about for a year and never talk to me about. Additionally, I pulled {$9000.00} out of my XXXX XXXX XXXX retirement account because XXXX told me I was on the hook for the shortage ( when they screwed up ) and that will cost me $ XXXX due to the XXXX % interest that I'll now have to pay to cover the pull let alone the lost money from the investment. I was told by XXXX at FirstTech that FirstTech had XXXX obligation to inform me of the escrow shortage and provide options to make it right ( had it really been a shortage and not a mismanagement of funds by FirstTech ). After talking to XXXX XXXXXXXX XXXX XXXXXXXX, the representative XXXX provided me more customer service and help in 5 minutes than FirstTech has in nearly three weeks. The issue still remains that FirstTech paid the taxes and took money out of my escrow account in error and is now blaming XXXX XXXX. It even took me pushing XXXX to put the overcharge from XXXX back in my account- she wanted me to leave it there because " well you know you might have to pay a little more next year anyways so why not get ahead '' ... ... how would I know if I was ahead or not when FirstTech does not provide the required notices of any issue and does not audit their accounts properly to see problems that are a year old??!?!?!?!?
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account : XXXX ending in XXXX Experian is showing {$4700.00} the wrong amount. 
XXXX and XXXX are showing the correct amount but are showing past due when Everything is current to date.
Product: Mortgage

I, XXXX XXXX XXXX does submit a statement to the Consumer Financial Protection Bureau ( CFPB ), not necessarily as a complaint, but as a resolution to a current foreclosure matter that can be easily resolved. Over one year ago, I took possession of a home where the owner needed to move back south to XXXX. Initially I tried to refinance the property, but because the property was already in default, there were no traditional mortgage programs that would approve the transaction. I was also in a period where I was rebuilding my personal credit. I then tried borrowing funds at an excessive rate of 14 %, but the math simply made the transaction a huge loss for me to go through with it. When the property went into a foreclosure status in XXXX of 2018, I was in the position that I had to defend the action pro se. However, I have attended the property needs such as repairs, and I desire to move into the structure as an owner/occupied property, make mortgage payments, acquire property insurance, and eventually refinance the home altogether. I am requesting that {$40000.00} of the current balance be placed in forbearance. The amount should cover the unapplied balance. The current interest rate is an exorbitant 9 %, which needs to come down to 3.5 %. In this fashion, I can afford a payment that will be reasonable, and I will agree to refinance the property after 24-monthly payments. There are simply too many foreclosures in the XXXX, XXXX XXXX area, and the property I own does not need to be in those statistics. Accordingly, I request the CFPB to be a go between on this matter, post the file on the internet as a foreclosure workout scenario, and place the complaint with the Comptroller of the Currency and/or the Federal Deposit Insurance Corporation as a mandate showing that there are reasonably solutions to foreclosure matters that does not require years of litigation. The judge at the XXXX County Supreme Court desires to see this matter worked out without the option of foreclosure, and I am in a position to do exactly what is best for this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Charged for a returned item not by the original company but after account was closed a debt purchasing company purchased the non existent debt and is now harassing and ruining my credit. Disputed more than once and nothing has chamged.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details : -- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX Original creditor : XXXX APARTMENTS Account number XXXX XXXX XXXX account number XXXX DEPT OF XXXX Account number XXXX XXXX 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 an 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.

XXXX Comments
Product: Credit reporting or other personal consumer reports

Never received letter to opt of credit reporting. 15UAC 6805. Experian, XXXX, Experian are non-affiliates of my credit cards
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 XXXX # XXXX Account name : XXXX XXXX XXXX # XXXXXXXX XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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

According to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX Ryman Place XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the inquiries made by various entities on my credit report, including 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 XXXXXXXX, XXXX, XXXX, XXXX, XXXX, and XXXXXXXX XXXX 

These inquiries have been made without my consent or authorization, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ) which regulates the use and disclosure of consumer credit information. Under FCRA Section 604, credit reporting agencies must obtain written consent from the consumer before sharing their credit information with third parties, except in certain specific circumstances.

I have not applied for credit or authorized any inquiries from the above-mentioned entities, and I am concerned that my personal information may have been used fraudulently. I request that you investigate these inquiries and remove any unauthorized inquiries from my credit report.

I am emotionally distressed by this situation, as it has caused me a great deal of inconvenience and concern. I request that you take immediate action to address this matter and ensure that my credit report is accurate and reflects only authorized inquiries. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

This account is invalid. BEST BUY/CBNA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

BEST BUY/CBNA XXXX