23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The following company did not had permission or authorization to request a copy of my credit report. XXXX XXXX - XX/XX/2023. I demand the deletion of this inquiry from my report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to this matter.
Product: Money transfer, virtual currency, or money service

I am writing to address a serious issue regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit. In XXXX, I discovered that someone had fraudulently created a Zelle account using my personal information without my knowledge or consent. This unauthorized activity resulted in the theft of {$2000.00} from my account. 

Despite my efforts to resolve this issue, Zelle did not provide assistance or take steps to rectify the situation. As a result, I was left without recourse and suffered a financial loss. 

I hope this matter can shed light on the importance of implementing more robust security measures and providing better support for victims of fraud.
Product: Credit reporting or other personal consumer reports

Ive requested transunion XXXX and XXXX to remove accounts that I wasnt aware of, theres XXXX credit cards and collection on my credit report that Im not aware of. Ive already put in a dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate a such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX
Product: Credit card

I wanted to pay off the card for a reduced amount because I have been paying on this card for years about {$100.00} a month. And I haven't used it for at least three years or more as well but the amount go up or stay the same. I know I used the card and the money. But I asked them for a little help with a smaller payment for a few months they wanted more. So I stared making payments I could afford and they close the account so I couldn't make any payments. So I was getting a home equity loan to pay off the card and I called in for a amount they would take to close the account. I got an amount but I'm XXXX  and I have XXXX and I had a XXXX after I talked to them and I can't find the amount I wrote down. And now they want me to go back to making payments even smaller ones now. I feel they are taking advantage of me I just want to be done with them. They force me to use my SSN # after I gave them all the information they asked for.
Product: Credit reporting or other personal consumer reports

I'm tired of going back & forth with this company & the business who keeps reporting inaccurate information. There's laws in place that requires these people to handle disputes in a timely fashion & it's been over XXXX  months & they've still not done the job or did it properly. I have now paid the account in FULL & they're still adding charges! I would like my balance updated to PAID IN FULL & DELETED FROM MY CREDIT PROFILE
Product: Credit reporting or other personal consumer reports

My original loan was with XXXX XXXX XXXX starting XX/XX/XXXXXXXX XXXX XXXX I went into XXXX  XXXX weeks early in an emergent situation. I called XXXX XXXX XXXX a few days after, informed them of what was going on & requested the payment due be put onto the back end of my loan. I was due for another XXXX  XXXX  in the week to follow. They adhered to my request and offered me an additional 2 months deferment due to the situation. Up until this point I had NEVER had a late payment on ANY account, I always paid extra & early. XX/XX/XXXX I receive an E-mail while still in the hospital that XXXX was taking over XXXXXXXX XXXX XXXX & instructions to make future payments. I assumed all agreements wouldn't change because i hadn't gotten any correspondence stating it had changed. I got an alert stating that I had missed a payment. I called XXXX, told them the situation and was informed that they didn't have to honor the deferment & my car would be placed up for repossession if I didn't pay the 3 payments that were deferred ( 1 wasn't even due yet ). I was unable to do that at the time and i asked if there was anything else I Could do. I was told I could make 1 full payment to avoid repossession. I did that. And continued making payments on time. Paying more each payment. XX/XX/XXXX I attempted to buy a house and was informed that I had 5 late payments being reported and was denied for a mortgage. I immediately called XXXX  to find out what was going on. Spoke with a supervisor multiple times from this point until XXXX XXXX XXXXXXXX. I Went through back and forth with XXXX  being told different things each time I called. Finally XXXXXXXX XXXX XXXX another supervisor was able to fix the situation. She stated she didn't understand why no other supervisor did that for me months prior. She assured me the late payments would be removed & no longer reported. She gave me a number to call in 30days to be sure the late payments were no longer reporting. I called in 30days & saw that they still were reporting. I've been battling this situation since XXXX. I have sustained much suffering due to the denial of multiple credit transactions that have significantly impacted mine & my childrens lives. If the original supervisor I spoke to in XXXX had done what the supervisor did in XXXX these late payments would not have incurred. I've already provided All 3 CRAs & XXXX with the bank statements that showed payments were made ON TIME for the months they are reporting late except 1. I do not feel as though iI should have to continue to suffer from a mistake made from this company and their incompetent employees. I've disputed this multiple times. Ive asked for the reinvestigation facts and have been provided nothing. The CRAs claim the account has been updated but it is the same information without change. At this point they are violating my rights as a consumer to have an accurate credit report. I have suffered significantly due to these errors.
Product: Debt collection

I have been getting calls from Midland Credit Management for over a year, about the time I have had this number. They ask for a XXXX, who I have stated hundreds of times by now, that I am not. They have said, would put me on a no contact list, which is an obvious lie. They have called me twice today alone. I got tired and called back today, it took me a total of 5 phone calls, with numerous call time totals ; I had to ask to speak to a Manager. To whom I complained about his agents handle on the call, and the fact that theyve been calling me for over a year and have said I 'm not getting called again. I will be more than happy to ask for my phone records from the company that gives me service, if you need proof. But I ca n't deal with this harassment to debt that is n't even mine. I went as far as checking my credit just to double check I do n't owe them anything, and I told them about credit check ( on their recorded line! ) They continue to ignore me, I understand that XXXX is a female and so am I. But my name is XXXX XXXX!!! I 'm tired of this, and they do n't have the right to continue to do this to me!!! I am actually working on fixing my credit, and seriously this is putting a dent in my own progress. Wasting my time, patience, and not making me have belief that other creditors are even willing to help, let alone be nice and cordial on the phone. The sad part is I have been a collector, and would never treat anyone that calls me this way ; hence why I was top collector for my campaign.
Product: Money transfer, virtual currency, or money service

I lost {$510.00} on XXXX because I was buying a XXXX that I originally bought on XXXX marketplace but they wanted to lower the value of shipping I paid so XXXX  wont let me get my money back I have not received the product from the merchant and chime denied my dispute I need this money that was a laptop that originally I bought for school that I cant even get and Im not giving up on my {$510.00} that I work hard for I I dont even get paid enough to meet living standards so I need help getting this money back
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 Transunion, XXXX, 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 TheXX/XX/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 XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a collection account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Creditor Name : XXXX XXXX Account Number:XXXX Date of Collection : XX/XX/year> Amount : {$1.00} I have previously disputed the accuracy of this collectiom account with Equifax and provided evidence that the information is inaccurate. However, XXXX 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. Equifax 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 Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account collection my credit report. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Equifax upholds its obligations under the law. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with all three credit bureaus for quite sometime. I just learned how to do so properly, including my police reports, FTC reports, etc. I have several accounts that are fraudulent including collections for an XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX , a fraudulent XXXX XXXX  XXXX   Charge off opened XX/XX/XXXX, XXXX  XXXX  XXXX  which are in Charge Off Status all of which are on XXXX, I have two fraudulent collections on XXXX  which are XXXX for XXXX $ and XXXX which is for XXXX $
Product: Mortgage

I was on forbearance plan from XXXX till XX/XX/XXXX. By some way even though I spoke with company rep for ending the plan it was. Prolonged till end of XX/XX/XXXX ( company mistake ) Any way I was keep paying my mortgage from XX/XX/XXXX even though it was on forbearance plan. For refinancing ( different company ) I need a letter stating that my forbearance plan ended on XX/XX/XXXX. From that time I am trying to get that letter calling the company 2-3times a week. They were telling me that need a time for the process to be ended then they will send a letter. My refinancing company keep asking me for that letter. To be short on XX/XX/XXXX ( from that time I start writing down all names ) after speaking with different customer rep i asked for supervisor > her name was XXXX ID # XXXX, who told me that there is a problem with a account and that i have un unpaid balance of XXXX XXXX XXXX for XXXX and XXXX though it was paid and she also said that to proceed with letter the account need to be curren and it will take few days and that on Tuesday XX/XX/XXXX she will call me back. So nobody call me back and on Wednesday I called back and connected with other escalated them member by name XXXX ID # XXXX who also told me that will review and will contact that department and will call me .Because nobody called me back i call Thursday and spoke with other escalation team rep XXXX member ID # XXXX. He promised me to see whats going on and call me back in an hour. After few hours I call back spoke with XXXX ID # XXXX who remembered me and said that sensed a request for that letter. Today is Friday I spoke with XXXX ID # XXXX who told me that letter can be obtained only on XXXX of XXXX - SIMPLE LETTER STATING THAT FORBEARANCE PLAN ENDED. Analyzing all this i think the company doesnt want to let me go with other refinancing company. Extremely bad experience in communicating with this mortgage company. People need to keep way from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the immediate removal of the unauthorized inquiry on my credit report. These do not belong to me. If these are to remain you must provide me proof that these are Factual.
Product: Debt collection

Your company do not have any documents with my social security on or signature. I have lived in XXXX  not XXXX XXXX. 

Violation of 15 US code 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get the XXXX account removed off my credit report as it's reporting different entries across all three credit bureaus. The bureaus aren't doing a proper investigation and are refusing to pay for the violations that have occurred despite the fact they are allowing it to happen. The credit bureaus are supposed to delete the inaccurate information but instead the are using the E-Oscar system. I'm asking for {$1000.00} per month for these violations per the FCRA which have been ongoing despite the proof that I've submitted. I have the right to sue XXXX as well as XXXX, Transunion, and XXXX for willful violations and seek attorney fees. I have asked for statements and a contract and I've yet to be supplied anything. If they can't provide a contract this account needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to transunion to check and make sure everything was accurate according to 15 USC 1681i ( 5 ) In XXXX I asked Transunion to investigate my XXXX XXXX # XXXX they did not correct any information on this account. I submitted another request asking Transunion to reinvestigate and make sure everything was correct. XX/XX/XXXX Transunion response with an updated credit report still showing no corrections were made. 

The date opened is incorrect, on all three credit reports. The last active date is incorrect and the balance and charge off amount are incorrect on all three credit reports. Which is a violation. This is impacting me from moving forward to buy a car for my growing family. 

I attached my previous credit report from XX/XX/XXXX and the updated report Transunion provided me XX/XX/XXXX and my new credit report to show how TransUnion violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account # XXXX U S Dept of Ed/XXXX has violated my rights.

15 USC 1681 section 602a states I have the rights of privacy.

15 USC 1681 section 2 the off state consumer report agency can not report without my written instruction.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint concerning my multiple and unsuccessful attempts to have inaccurate addresses, collections, and inquiries removed from my credit report. Despite my persistent efforts, these inaccuracies persist, adversely affecting my creditworthiness. 

The specific issues I am disputing are as follows which needs to be removed : XXXXXXXX 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 

I initiated my initial dispute with your bureau, providing all the necessary documentation to support my claims, including evidence of the inaccuracies related to addresses, collections, and inquiry. 

Subsequently, I followed up on to inquire about the progress of my dispute and request updates on the investigation. 

Unfortunately, despite my diligent efforts, the inaccurate addresses, collections, and inquiries persist on my credit report, causing undue financial harm. 

The Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information. It is imperative that my credit report accurately reflects my financial history and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and rectify these issues promptly by removing the inaccurate addresses, collections, and inquiries from my credit report. Timely resolution of this matter is vital for my financial well-being. Failure to address these issues within the specified time frame may compel me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Accounts Due to Data Breach Dear Equifax, I am writing to formally dispute the presence of accounts on my credit report that were compromised as a result of the 2023 Equifax data breach, where my personal information, including sensitive financial data, was exposed without my consent. This has been confirmed via .XXXXXXXX, engagement # XXXX. The breach exposed millions of consumers ' data, including mine, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, and other applicable privacy laws to request the immediate removal of any accounts linked to this breach.

As the breach has left my personal data vulnerable to potential identity theft or fraud, I am requesting that you remove all such accounts from my credit report. Under 15 U.S.C. 1681i, you are required to conduct a thorough investigation into disputed items, and if you fail to verify these accounts as accurately linked to me, they must be removed. Should you fail to comply with this request, you may be in violation of 15 U.S.C. 1681n, which allows me to seek statutory damages for willful noncompliance with FCRA requirements.

Additionally, I request that you provide verifiable proof of each account linked to me, including the chain of assignment/custody and the original signed documents that verify I opened and/or signed for these accounts. If you can not provide this documentation, I expect the accounts to be immediately removed from my credit report.

Please be advised that any failure to remove unverifiable accounts may also be subject to penalties under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, as unauthorized use of my information constitutes identity theft.

Should you fail to investigate this matter or provide the necessary proof of debt, I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under 15 U.S.C. 1681o, which provides for civil penalties for negligent violations of the FCRA.

Enclosed Documents : ID & proof of residence Identity theft Report Credit Report Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$760.00} XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3300.00} XXXX XX/XX/2023
Product: Debt collection

I have been getting repeated voicemails from XXXX XXXX XXXX. First and foremost, I have not received any written letter from XXXX XXXX XXXX via U.S. Mail, as required by federal law, informing me of their intent to collect any debt from me, nor my right to dispute the debt. Secondly, I have informed them, via my voicemail, that they are to leave a detailed message why and who they are collecting for and if they continue to harass me I will report them. This method has failed as all they leave for a voicemail is, " This is an attempt to collect a debt by a debt collector. Please call XXXX XXXX XXXX at XXXX. Thank you. '' Third, according my credit reports, I have no outstanding debt that has been referred to a debt collector. Ultimately, XXXX XXXX XXXX needs to stop harassing me with debt collection, when they have the wrong number. Here are some of the calling and voicemail records I have of them. Called and left voicemail : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  Called and left no voicemail : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX