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

I am writing to file a complaint against TransUnion for their failure to properly address my dispute regarding inaccurate items on my credit report. 
On XX/XX/year>, I mailed a dispute letter to TransUnion via XXXX certified mail ( tracking XXXX XXXX ) requesting an investigation into inaccurate items on my report. Additionally, I disputed incorrect personal information listed on my credit report. To help TransUnion verify my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
Despite my clear and thorough request, I received a response from TransUnion dated XX/XX/year>, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the FCRA. 
I am including a copy of my dispute letter sent to TransUnion, XXXX certified mail proof of delivery, along with TransUnions response as evidence.
Product: Debt collection

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 ( a ) section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681b ( 2 ) And pursuant to 15 USC 1666b " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' I demand my late payment ( s ) be updated to paid on time according to these U.S. laws.
Product: Debt collection

We were renting from this company. We only lived there for 2 months. Told the property management that we needed to move due to not being able to afford the rent. They allowed us to move never mentioned that we would have any fees or penalties. Never received any written notice that we owed any further debts penalties or fees, and then 2 years later we receive a huge debt on our credit report after we start looking for a house we found a huge debt collection from a third party on on our credit report. In that 2 year time from when we left we received no communication of any form regarding any outstanding debt owed to them.
Product: Credit card

In general, I believe that credit card treatment of foreign exchange transactions is an area full of undisclosed charges and unfair treatment of consumers. I would ask CFPB to examine this area. The proximate cause of my complaint is an instance with my BankAmericard where I was charged a foreign exchange fee of 3 % on a transaction denominated in US $ -- with a value of {$980.00}. Under Bankamericard terms, they charge the fee whether the transaction is in foreign currency OR in US $ processed outside of the US. My complaint is that this is a rather obscure fee that has no connection to any business costs that Bank of America actually generates. Further, the method that credit card companies use to determine the foreign exchange rates assessed on consumer transactions do not appear to bear much relationship to the wholesale FX costs that they actually pay.
Product: Checking or savings account

When I set up the checking and saving account over a year ago they entered my SSN incorrectly which was causing access issues. I worked with the bank and sent in 3 duplicate requests to correct the SSN before it was finally corrected.

I have not signed into my online account in several months and it was requiring multi-level authentication and again it is no longer recognizing the correct last 4 digits of my SSN. 
I have a CC and Debit card for my account, I have my address, login information, account balance and what I had written down for both my savings and checking account number, my security question and I get texts from the bank with number account balance information but I do not get paper statements and have never had any checks as I do not use them. 
Since it would not allow me to use this info I asked them to send me paperwork in the mail to either give me a statement or something to just allow me to close out the account as there are no offices close to me. 
They have refused to mail me anything, allow me any other options or escalate my concern to any other than the supervisor who said there is no way to access my account or get access to my money. 
I want to work with someone that will help me close this account. This has been going on for over a year and they are holding my money XXXX.
Product: Debt collection

Im a victim of identity theft. I have tried to dispute this same amount from this company multiple times yet their still trying to collect a debt that I do not owe. I wasnt aware that it was on my report again, because I was homeless. I wasnt aware that I could file a report/get them off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a serious problem with XXXX  because they are not reporting any of my accounts on my report also they are not reporting my credit score. I try multiple times sending letters notarized by a notary about existing issues and they are not doing anything about it. I need these accounts to be shown and my credit score on my credit report as soon as possible, the accounts are 1. USAA SVG BK Open date is XX/XX/XXXX 2. XXXX XXXXXXXX Open date is XX/XX/XXXX 3. XXXX XXXX XXXX Open date is XX/XX/XXXX 4. USAA SVG BK Open date is XX/XX/XXXX All four accounts reports to all three credit bureaus, so please let XXXX   know that they need to put these accounts on my credit report because this is a defamation of character
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 the recent 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 that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises some serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXXi sent XXXX XXXX a dispute via USPS certified mail. Neither responded in the 30 days required. Neither reported to the credit bureaus this account wa being disputed. As a matter of fact they reported the account in question closed saying I requested ot which is a lie I never did. Both XXXX and XXXX bank responded nearly 3 months later and knocke my credit score 35 points down and are continuing to report late. I never signed an agreement with XXXX nor did I get an assignment letter. Instead they created a new account with a new acoount number and attempt to collect payment for which they were not legally authorized to do never sending my payment back to me. They still refuse to remove from my credit report. I have never made one transaction when XXXX claims it serviced my account. I have zero obligatins to XXXX and both companies are attempting to collect as I have letters from both XXXX and XXXX seperately. XXXX was intermingling regular XXXX and charging me cash advances for transfers of my own money not separating a store credit and regular XXXX. They also werent applying credit to a special financing perchase for months until it was nearly expired.
Product: Mortgage

Dovenmuehle Mortgage has failed to pay my property taxes in the amount of {$5000.00} that were due on XXXX XXXX, 2020. They actually paid them on XX/XX/XXXX and then did a reversal of the payment on XXXX XXXX 2020. They are holding the entire funds in my escrow account and doing nothing to resolve the error. I have spoken to my local tax assessors office who informed me that Dovenmuehle has done the same thing with 8 or 9 other accounts that are now past due. 
I have contacted Dovenmuehle several times over the past month, they say they are investigating the error and will resolve it however nothing has been done and we are now approaching 30 days past due. 
I am worried that this is going to effect my credit rating or worse. 

What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Wrong and multiple address in my account under my name XXXX XXXX XXXX.I faxed trnaunion a copy of my state drivers license of IL.Yet they will not remove the multiple addresse from my account.Please help!
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made without my sonsent. Accordin to section 604 of FAIR CREDIT REPORTING TO SECTION ACT ( 15 U.S.C 168 1 ( b ) ), there are speecific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNT PARAMT REC account number XXXX
Product: Credit card

Due to identity felony theft and fraud, which also identity fraud, Chase shows XXXX  of dollars of charges which are not mine.
Product: Debt collection

LVNV FUNDING LLC PUT 4 COLLECTION ON MY CONSUMER REPORTS 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
 I would like them removed
Product: Credit card

We have a Staple " more account '' for our Business and was reported incorrectly to the business credit reporting bureaus. 

Staples published a payment address of " XXXX AZ XXXX '' on our monthly statement which we referenced with our bank for bill payment checks. 

We sent a payment on XX/XX/2016 to Staples Credit Plan/CITI CARDS which was returned due to unable to identify account. We referenced all required information per our monthly statement. This resulted in our account to be reported as 30 days past due and was a bank error on Staples Credit Plan end. We should have never been reported 30 days past due and need this to be corrected. 

Attached is all of our documents showing when and where we sent the payments to. 

Thank you, XXXX
Product: Debt collection

ConServe has made several calls to my employer disclosing my social security number to several employees to try to verify whether its me. They have also sent mail to a friends address, in my name, who has no involvement in my financial concerns. They then sent a letter to garnish wages to a past employer who contacted me to inform me of the situation. Too much of my personal information is being disclosed to uninvolved parties. This is not only harassment but a violation of privacy.
Product: Vehicle loan or lease

This company full of crooks claim I was late at the end of my loan, to keep my credit bad so I have to keep getting loans with companies like them. I submitted a dispute with the credit agencies and the retaliated against my credit even more.
Product: Debt collection

I received a notification on my credit file showing a collection account reporting with Plaza Services LLC acct # XXXX in the amount of {$27000.00} over a month ago. I disputed this fraudulent account with the credit bureaus, and attached a ftc identity theft report and police report showing that Im a victim of identity theft. The credit bureaus informed me that they sent the dispute with the documents to this company over a month and a half ago. For some reason they are still updating this account monthly to my credit report as if it is a VALID ACCOUNT WHICH IT IS NOT! I have no knowledge of this account nor any involvement with PLAZA SERVICES LLC. I have neither engaged in business transactions with them nor entered into any agreements. I've contacted this company at their phone number numerous of times, and they never answer the phone! They also aren't responding to any of my correspondence regarding this fraudulent account, and ignoring all communication with me. Hence, it is unjustified for them to report such information on my credit report. This situation infringes upon my rights as a consumer, as outlined by the FCRA and FDCPA. Im attaching my ftc identity theft report and police report that the credit bureau sent to them over a month ago to this complaint. I have also sent a complaint to the better business bureau and your department has not responded to the complaints!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses are XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX, MI XXXX. 

The correct address is XXXX XXXX XXXX XXXX XXXX, IL XXXX. The INCORRECT addresses should be deleted from my consumer report. 
I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear XXXX, I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 

I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within XXXX days, as required by law. 

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 

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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX PREMIER Date of inquiry XX/XX/XXXX
Product: Debt collection

This company called me and asked who my mom was before they introduced themselves to me or informed me that they were trying to collect a debt. Very unprofessional in their handling of this situation. I was hung up on three times and heard some very rude statements about why we did n't pay the bill sooner. We never received a final bill from XXXX XXXX XXXX after switching to XXXX. I am authorized to make changes to the account with XXXX XXXX XXXX but the account is formally in my mom 's name and our access to the account was revoked the moment we switched. Three months later we 're getting calls from this collection agency without a detail of the bill that is well over the amount we should have owed and they wo n't offer a contact number to verify the amount of the debt. Even stated " Tell your mom good luck in resolving this '' before hanging up on me.
Product: Debt collection

I have requested a validation of debt from XXXX XXXX with no response. I also requested a Affidavit of Fraud from this collection company with no response. This company as placed a Restraint on my account so I ca n't access to my money since XXXX 2015. I recently received a notice stating that they have removed all the money in my account. I never provided to this company my account information I do n't know how they get my information. I truly believe that this is illegal and unconstitutional. Please help me to get this issue resolve.
Product: Debt collection

XXXX XXXX I received this letter from this company about a debt that they perceive is owed, I sent them a letter stating that I want proof of this debt based on the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I sent the letter certified and they refused to accept and sent me back my letter of dispute.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, Im reaching out again because I feel completely stuck and unsupported in dealing with the fallout from my stolen wallet. Since XX/XX/year>, when my wallet was stolen at an event in XXXX, Ive been working tirelessly to resolve the resulting credit issues. Despite quickly canceling my cards and reporting the theft to the FTC ( Report Number : XXXX ), I later discovered multiple unauthorized hard inquiries on my credit report. and Ive reported these issues to XXXX, Equifax, but they are not doing anything meaningful to help. Despite explaining the situation and providing evidence, I feel like Im being ignored. The inquiries, which were clearly fraudulent, remain on my report, and its affecting my peace of mind and financial standing.This has been incredibly frustrating and disheartening. The credit bureaus seem indifferent to the stress this has caused, and Im not getting any closer to a resolution. Im pleading for your help to ensure these inquiries are removed. 

I truly appreciate your time and understanding.
Product: Mortgage

Ditech took over my account from Green Tree who I have been with since XXXX. My monthly payment is XXXX a month. I became behind one payment and called to schedule XXXX be added to each future monthly payment to make up for it, which they agreed with. I have since made 2 payments of XXXX but noticed on my statement that they are not being applied to my mortgage. Ditech shows I have not made a payment for XXXX, which I did ( XXXX ) but was not applied to my mortgage. Second was sent by mail ( XXXX ) XXXX and will not be applied to my mortgage. 

Ditech has a statement that says until the past due is paid payment will be held in a separate suspense account ( what is that? ). Those payment will not go toward my mortgage until I pay what they say I am past due. 

So, my agreement with them to add XXXX a month is bogus. I tried to call and the extension for a representative is no longer in service. 
Also, my payment is due on the XXXX but a rep. told me if I pay it by the XXXX there is no problem, I have been doing so. I emailed the contact they gave me to change my due date to suit my schedule and found out it was bogus. 


I am scared they are scamming me since I have been receiving documents that they are going through law suits for this very thing. 

Please help, I don't want to lose my home over one late payment and them not honoring an agreement.
Product: Credit reporting or other personal consumer reports

My identity was compromised, there are several accounts reporting on my credit that dont belong to me. I am asking for a removal of them items listed below from my credit. 

XXXX XXXX XXXX ACCT # XXXX {$1100.00} XXXX ACCT # XXXX {$17000.00} XXXX  XXXX ACCT # XXXX {$620.00} XXXX XXXX ACCT # XXXX {$670.00}