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

Approximately over a month ago, I applied for an XXXX XXXX  XXXX  through XXXX XXXX XXXX XXXX, which represents the said bank. During this process, XXXX XXXX XXXX XXXX obtained a copy of my credit history from TransUnion. However, I have noticed that TransUnion has provided additional information to XXXX XXXX XXXX XXXX, which I have not authorized or consented to be disclosed to any bank. This unauthorized and unverified information is damaging my credit applications and negatively affecting my financial history. 

I have had conversations with several TransUnion representatives and supervisors on multiple occasions, and they assured me that they do not share third-party information with credit report requestors. They also informed me that they only provide information about my accounts, debts, or closed accounts. However, after reviewing my updated credit report, I was able to verify that unauthorized information from third parties has indeed been shared with XXXX XXXX XXXX XXXX. 

This deeply concerns me as I believe that these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and infringe upon my rights as a consumer. Therefore, I earnestly request that TransUnion does not share any unauthorized and unverified third-party information with any bank requesting my credit history unless explicitly approved by me. 

Attached to this letter, I am providing evidence that supports my claims and demonstrates how TransUnion has based its information on unauthorized third-party data, resulting in XXXX XXXX XXXX XXXX rejecting my credit application. I sincerely appreciate your attention to this matter and hope that immediate actions will be taken to rectify this situation. 

Please provide a written response to the address stated in the header of this letter or the email XXXX. Additionally, I kindly request that you inform me of any steps taken to resolve this dispute within a reasonable timeframe. 

Thank you for your prompt attention to this matter, and I trust that we will resolve this situation satisfactorily.
Product: Credit reporting or other personal consumer reports

There is a collection account on my credit report which lists Speedy Cash as the original creditor. I don't recall having a balance due with Speedy Cash for the amount that's reporting on my credit report. Furthermore, I didn't receive anything about a debt being owed, or an account being sold. Please send all original documents for this loan as well as the balance due on the account. I am also requesting the correspondence sent to me when Speedy Cash sold this account. If you can not provide this information, then contact the collection agency to cease reporting of this inaccurate account. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1600.00}, XXXX XXXX XXXX XX/XX/XXXX {$24000.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX ( XXXX  XXXX ), # XXXX XXXX XXXX XXXX, # XXXX ( XXXX XXXX XXXX ), and a few hard inquires from XXXX XXXX XXXXXXXX, XXXX card, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights and have inconsistent information being displayed on all 3 bureaus.

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

15 U.S.C 1681 section 602 section 1 : states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

Last year I discovered a false account with XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but these accounts denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

We contacted our Lender about a refinance in XXXX of XXXX. They told us because of 2 previous late payments, we would need to apply for a modification instead. But to be approved for the modification, we must be 30 days late, but the late payments would be deleted upon approval. We didnt make our payment, and submitted the application. We still paid each month, but made sure it always was 30 days past due per their guidelines. What was supposed to be 45 day process turned into 7 months. Then they called us in XXXX telling us they " accidentally '' denied our application, but because it's different laws than a refi.. we would need to reapply and start the process over. We declined and immediately brought the loan current. I then for 4 months in a row disputed the required late payments, asking them to remove them from our credit, since it was what THEY required for the application process. They continually declined our requests to remove. 
On XX/XX/XXXX, I received a letter from them stating they had again received our dispute request to remove the late payments showing on our mortgage, from XX/XX/XXXX - XX/XX/XXXX. After not receiving any response I called in on XX/XX/XXXX, and was notified it was again denied. They then forwarded me a copy of the denial letter ( since we never received the denial letter by email or by mail ), which wasn't generated by them until XX/XX/XXXX. Outside of the 30 day FCRA guidelines. I then called them more than 15 times, letting them know they were over the 30 day limit, and now they were required by law to remove these late payments they were reporting. They STILL refuse to remove them. After dealing with this for over half the year now ... it was suggested I come to you for a resolution to get these removed, for not only their error in not responding within the required amount of time by the FCRA of 30 days, but for just not doing the right thing for their borrowers based on THEIR mistake and lies during our modification application process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sacor Financial Inc pulled a hard credit inquiry without my consent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX XXXX also pull a hard credit inquiry without my consent on XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX XXXX Credit Card doesn't belong to me XXXX XXXX XXXX ( without prejudice ) Affidavit Of Facts attached.
Product: Debt collection

This complain is about XXXX XXXX XXXX Collection Agency Reporting to all XXXX major Credit Reports Inaccurate information as of Date of First Delinquency. As reported to XXXX on XXXX XXXX this account is schedule to continue on record until XXXX XXXX as of XXXX XXXX it was not on XXXX no more making the Date of XXXX Delinquency XXXX XXXX ( since accounts remain for 7 yrs on record as of XXXX Date of Delinquency ) On XXXX XXXX XXXX reports to XXXX XXXX Date of Delinquency as XXXX XXXX. As of XXXX XXXX its reports to XXXX XXXX Date of Delinquency XXXX XXXX. As of XXXX XXXX XXXX Deleted it after finding inaccuracies on Dates of XXXX Delinquency reported. XXXX still reporting to XXXX I am currently disputing it with XXXX.
Product: Debt collection

I have spoken to someone from XXXX XXXX XXXX in the past & told them that the account was not mine, I did not apply for a loan, the information they had on me was not mine. I asked them several times to remove it. I did not find out they referred the account to an collection agency until I applied for a housing loan & was denied due to the collection agency Consumer Adjustment Company being on my credit report. I had no knowledge of this collection agency or any contact information to call/email them. I filed a XXXX compliant on Consumer Adjustment Company , INC. collection agency. I received a response from them within 2 days. CACi told me they reached out to the credit reporting agency back on XX/XX/2021 that the account was closed in their office & remove the account from my credit report. They agreed to send a second notification to the credit reporting agency to remove account from my credit report. With that being said I would like to file a compliant on XXXX XXXX XXXX, Consumer Adjustment Company , INCXXXX & the credit reporting agency. I lost money applying for a housing loan & being denied due to this negative account on my credit report. I have to start the whole process over again. This is not fair. Something should be done about these companies causing problems like this.
Product: Credit reporting or other personal consumer reports

Equifax is reporting XXXX medical bills under a miscellaneous " Untitled '' name and with ( chargeoff collection ) applied to each account # XXXX # XXXX. I have no knowledge of these accounts and im not sure what to do.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, LLC ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Student loan

I am the co-signer on my son 's student loan. He is currently in the process of   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   with the  XXXX   XXXX . His statement was sent to me with a coversheet stating that his mail is undeliverable and that they updated his account with my address. When I attempted to call and have his address updated, I was told that they would not update the address on his account without speaking to him. This makes absolutely no sense as they changed it to mine with out his authorization. I advised that he is currently training for his  XXXX  to the  XXXX   XXXX . I was told it did not matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report that I did not authorize and the companies refused to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update this immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I pay my mortgage through automatic-bank withdraw monthly. On XX/XX/2020, we paid additional extra {$2000.00} as principal through my bank. However, Roundpoint mortgage withhold my payment. Claimed and decide this {$2000.00} will pay for next month 's and payments after XXXX. They claimed I can only use their specific link to pay off the principal. No where in my statement has instruction on how to pay extra principals. I have right to decide what to do with the extra money. I did not instruct them to withhold my money and pay future interests or principal. 

XX/XX/2020 requested them to update my payment as extra principal. Roundpoint denied to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Debt collection

They would also call my old number XXXX would get phone calls from random local number. They did this to trick me into answering.
Product: Money transfer, virtual currency, or money service

I have reason to be concerned with Zelle and how they handle disputes especially in light of the recent CFPB lawsuit which pointed out significant concerns with the platform. Although Ive used Zelle multiple times and reporting discrepancies Zelle and my institute have failed to investigate properly. They express tracking claims is impossible. The CFPB found Zelle has neglected to protect its consumers and have left them to be exploited constantly making them vulnerable to scams. The lack of transparency and accountability raises concerns about consumer safety.
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 u.s.c 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX : # XXXX, DEPT OF EDUCATION : # XXXX, DEPT OF EDUCATION/XXXX  : # XXXX, DEPT OF EDUCATION/XXXX  : # XXXX, DEPT OF EDUCATION/XXXX  : # XXXX, DEPT OF EDUCATION : # XXXX 15 u.s.c 1681 section 602A States I have rights to my 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 other than records of conviction of crimes which antedates the report by more than seven years.

15. U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago, I recieved an email saying that a collections account had been removed from my credit. It was from XXXX XXXX XXXX and just recently I get another email saying I have a new collection from XXXX XXXX XXXX. Now, my credit score has dropped significantly because they added the collection onto my account after they had been removed over two months ago.
Product: Debt collection

In early XXXX, I received a summons from the company XXXX XXXX XXXX ( on behalf of Discover Bank ) for an amount owed of over {$12000.00} for a credit card opened in XXXX of XXXX. I called Discover to dispute the matter and was told that since they have a third party handling my account, I would have to go through them ( XXXX & XXXX ). I have since filed a dispute of the charges and filed a victim fraud claim with XXXX & XXXX, and as of this time awaiting to hear their investigation result. I have also filed a dispute of credit card report to XXXX and on XX/XX/XXXX received a letter stating a complete investigation which verified the accuracy of the XXXX XXXX, upon which I called XXXX and was advised to file further disputes through FTC. 

I contend that I am a victim of fraud and I did not open this credit card account with Discover. I was unaware of any activity associated with the Discover card in question and I was not sent any credit statements or late payment warnings.
Product: Credit reporting or other personal consumer reports

regarding XXXX XXXX accnt number XXXX. I would like to remove this account off my credit report. This is an old account that was open in or around XX/XX/XXXX and service ended around XX/XX/XXXX and last bill was XXXX. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing.
Product: Bank account or service

I had been a customer with Citibank since XXXX in XXXX. In XXXX I moved to XXXX, XXXX. In XXXX Citibank removed all of its branches from XXXX. I was left with no other option but to move my money to another bank and close my Citibank account. I did so with a confirmation number saying my account would be closed by said date. I forgot about it. Then I started getting banking statements from Citibank saying that there was a negative balance because low fund fees were accumulating. I called Citibank to re-close my account and waive the charges on several occasions. Each time they told me they had done so. I started to then get collections notices for the amount of the negative balance on my closed account in the amount of {$120.00} dollars. It is their error for not closing the account. I have been after them to correct the mistake. I have tried to call back and each time they have a different excuse. I am now is collections for their error and no one want to help me at Citibank and there is no branch for me to go to to solve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been longer than 4 days and consumer reporting agency still reporting the accounts to the credit bureaus. My reputation is being tarnished and I am trying to get a home but can not due to these fraudulent accounts. Some accounts has been removed but all needs to go.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITER CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!