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

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XXXX XXXX
Product: Credit reporting

My previous dispute on XX/XX/XXXX stated : As per the creditor ( XXXX ) and the credit reporting agency ( Equifax ), I 've waited XXXX days for my XXXX bank account information to update and report. As of today 's date this information is still not appearing on my credit report. 
Equifax responded on XX/XX/XXXX : Equifax has reviewed the complaint and its records. The disputed XXXX account is currently not reporting on the Equifax credit file. Equifax has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/XXXX. 
Relief The disputed XXXX account is currently not reporting on the Equifax credit file. 

Thank you for looking into this matter but there is a secondary action and relief I 'm still waiting for you to initiate. Please reinsert the account which was previously deleted. Attached you will find the credit report sent by you on XX/XX/XXXX showing the account actively reporting. Please re-investigate this matter as I would like you to add the XXXX account back on to my Equifax credit report.
Product: Debt collection

On XX/XX/2022 I noticed an authorized transaction in the amount of {$1400.00} with check number XXXX in my bank account. I called my bank to immediately dispute the transaction. Upon receiving my complaints and request by my bank, account was closed as it was being compromised for fraudulent transaction. 

To my greatest surprise, i received a letter dated XX/XX/2022 from TRS recovery services for collection of debt on behalf of XXXX XXXX that i never owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Several months ago my credit info was stolen, so I froze my credit with Experian, XXXX and XXXX. Today ( XX/XX/year> ) I wanted to apply for a new credit card from XXXX and needed to thaw my Experian credit freeze. I tried calling Experian 's customer number XXXX. The robotic assistant needed a PIN, which I do not have. I attempted to enter the confirmation # I received but the system would not take that. When I tried to get the PIN I was advised that the phone number I used was incorrect. I have only one phone number. I am not able to reach a human at Experian using the posted Customer Service number, XXXX. I am unable to verify my profile information and unable to thaw my credit. 

I am EXTREMELY frustrated. All I am trying to do is to provide the correct information and briefly thaw my credit.
Product: Debt collection

I have been disputing this debt for nearly five years. I do not owe this debt and hold a current court order showing that I do not owe this debt. Despite my many attempts to tell the original creditor and this collection agency that I am not responsible for this debt, the original creditor directs me to the collection agency and they still continue to falsely report this as my debt owed with all credit bureaus. 

I took matters into my own hands and tracked this vehicle by VIN # and sent paperwork with the website XXXX that proved this vehicle was sold in an auction and profited from the sale. I sent the sales listing for the vehicle from XXXX XXXX XXXX in Virginia - I have never been in Virginia.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested this to be verified several times with no resolution, I have child support that is not only being reported incorrectly, it's actually showing up twice on my report with incorrect amounts, incorrect dates, and I was never notified it would be put on my report. I have attached a screenshot of my credit report showing multiple reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my Credit Reports. I found that I have numerous Hard Inquiries on my reports that I did not authorize. ( See Identity theft report ) The following are Hard Inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint against Suntrust by Truit banking institution. I recently opened an account with {$100.00} cash at the XXXX XXXX in XXXX Florida XXXX on XX/XX/2020. The address for that location is XXXX XXXX XXXX, XXXX Florida, XXXX. I am a current claimant of unemployment by the DEO ( Department Of Economic Opportunity ) I have since deposited 4 checks into my Suntrust account in which the funds were cleared and made available. The check amounts are as listed 1. {$600.00} ( mobile deposit check )  on XX/XX/2020 XXXX. {$2700.00} ( mobile deposit check ) On XX/XX/2020 XXXX. {$1000.00} ( mobile deposit check ) On XX/XX/2020 4. {$1000.00} ( mobile deposit check ) on XX/XX/2020 5. {$200.00} ( direct deposit from DEO ) on XX/XX/2020 DIRECTLY FROM DEO 6. {$100.00} ( cash deposit to open account ) on XX/XX/2020 My account was frozen without warning or my knowledge. No reason has been provided for the funds being on hold. Ive spoken to XXXX team members, managers, and other associates from Suntrust to no avail. The checks are made out to XXXX XXXX and yet the bank is refusing to release the freeze on the account as well as release the funds. Theyre insisting that I provide a letter from the DEO stating that the funds in the account are meant for me. Ive provided check stubs, a letter of eligibility and have gone as far as having an investigator from the DEO on a conference call to provide any and all closure needed to verify my identity as well as any payments made into my account and claim. Im filing this complaint because I not only feel discriminated against as an XXXX XXXX client, but I also feel neglected and violated with no possible explanation on why Im experiencing such hardship with this financial institution. Im demanding that my funds be released to me then I will more than gladly terminate the relationship with myself and Suntrust bank. 

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2024 Request for deletion of outdated Personal Information To Whom It May Concern, I am writing to request the removal of outdated personal information from my credit report. I have noticed that some of the names, addresses, employment, spouse and phone numbers listed on my report are no longer accurate, as I have updated my contact details. 

Please delete the following outdated information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The only number that should be listed is XXXX. Please delete all others. 

23. I am not a XXXX XXXX. Please delete. I never had a company nor worked for XXXX 's XXXX 
I currently work for XXXX XXXX XXXX XXXX XXXX as a vice president. 
Address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

24. I never have been in connection with a person named XXXX. I do not have a spouse named XXXX. Please delete. 

25. My correct name is XXXX XXXX XXXX. Please delete all others. 

Please update my information. Thank you.
Product: Credit card

I urge the bureau to commence an investigation into these accounts that incorrectly report me as late, despite my never missing a payment.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX  Account Number : XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$4700.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) Account XXXX Balance : {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$14000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX {$7000.00}
Product: Debt collection

Upon carefully reviewing my latest credit report, I noticed multiple accounts that seem inaccurate and were added without my authorization.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( 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.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me with a copy of verifiable proof, you must DELETE the accounts listed below. 

I demand the following accounts be validated or DELETED immediately : - XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX  XXXX, Amount : {$3600.00} ) - XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Amount : {$17000.00} ) - XXXX XXXX ( Account Number : XXXX, Amount : {$2800.00} ) - XXXX XXXX ( Account XXXX, Amount : {$13000.00} ) - XXXX XXXX XXXX Account Number : XXXX, Amount : {$13000.00} ) $ - XXXX XXXX  XXXX ( Account Number : XXXX, Amount : {$3100.00} ) - XXXX XXXXXXXX XXXX ( Account Number : XXXX , Amount : {$9900.00} ) - XXXX XXXXXXXX XXXX ( Account Number : XXXX , Amount : {$39000.00} ) - XXXX XXXX XXXX ( Account Number : XXXX, Amount : {$18000.00} ) - XXXX XXXX  ( Account XXXX, Amount : {$810.00} ) - XXXX XXXXXXXX ( Account Number : XXXX, Amount : {$3000.00} ) - XXXX XXXX XXXX XXXX  XXXX ( Account Number : XXXX, Amount : {$27000.00} ) - XXXX XXXX XXXX XXXX XXXX  ( Account Number : XXXX, Amount : {$18000.00} ) - XXXX ( Account Number : XXXX, Amount : {$81000.00} ) In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my TransUnion credit report that are fraudulent because they were not authorized by myself and should be removed. The inquiries are as follows : XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXXXXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX I sent several letters to TransUnion disputing these inquiries and called their office as well with no success. I did not authorize these inquiries and TransUnion has not provided any written proof bearing my signature indicating that I did. The above listed inquiries are being fraudulently reported on my credit report by TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Information Update Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX RE : Social Security Number XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Legal Name - XXXX XXXX 2. My Address - XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In ACCORDANCE with the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions.

The account below is in violation! 

CAPITAL ONE BANK USA NA XXXX Date opened XX/XX/2021 This one is unauthorized user! 


XXXX XXXX XXXX XXXX Date opened XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified or deleted : XXXX XXXX XXXXXXXX ( Account # XXXX ) Late payments reported in XXXXXXXX XXXX, and a charge-off with a {$830.00} past due balance. Please verify the payment history and charge-off status. 

XXXX XXXX Account # XXXX ) Late payments reported in XXXX XXXX XXXX, and a charge-off of {$1100.00} with a {$1100.00} past due balance. Please verify the payment history and charge-off status. 

XXXX XXXX XXXX ( Account # XXXX ) Charge-off reporting every month from XXXX XXXX XXXX  with a balance of {$540.00} past due. Please verify the accuracy of this information. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX, Account # XXXX ) Collection account with a {$670.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX, Account # XXXX ) Collection account with a {$610.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. 

If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. 

Please complete your investigation within the 30-day timeframe required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Credit Report Supporting Documentation
Product: Mortgage

Our loan is managed by XXXX XXXX XXXX upon receiving our XX/XX/XXXX statement our payment was raised from {$1400.00} to {$1900.00} I contacted them and was told that I had a shortage in my Escrow impound.. I was never sent any notice that a shortage had developed something they were aware of starting at the end of XXXX. I asked if this could be paid over 24 months instead of 12 because a XXXX increase would cause me a financial hardship. They denied my request based on my ability to pay the extra XXXX. 
I feel they should work with me because they should have made an adjustment in my impound account a year ago and sent me notification. I found out about the increase in monthly payment when I looked into refinancing and was told my current monthly payment was listed at {$1900.00} In the past I always received notification and an opportunity to catch up my impound and there would be no shortage. I have requested 3 times for information from XXXX XXXX  and have received nothing. I believe my request to spread out this shortage over 24 months is fair but they are playing hard ball with me. With the current economic conditions caused by the XXXX lock downs you think they would work with people. When XXXX XXXX took over processing of our loan didn't know they were a collection agency and not a Mortgage Company