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

I have an account named XXXX XXXX XXXX on my TransUnion LLC credit report. It is for a personal loan that I never opened nor gave my permission for anyone to open. I contacted TransUnion LLC and informed them that this is a fraudulent account and a case of identity theft. I requested this account be removed from my credit report and TransUnion LLC started the dispute process. The creditor or bank XXXX XXXX XXXX had 30 days to respond and verify that this account is accurate. They did not do so and therefore the account was removed from my credit report at some point last year ( XXXX ). I then received a letter from TransUnion LLC on XX/XX/XXXX stating that the account has been verified as accurate and so it has been placed back on my credit report. I reached out to TransUnion and asked that this be removed because it should have never been re-added to my report. They told me they could not do so and that they can not give me the information that the creditor gave them to verify this account as accurate. I then reached out to XXXX XXXX XXXX and requested that they send me any supporting documents that prove this account belongs to me. They refused to send me this information unless I file a Identity Theft report with the FTC and file a police report. As I think this violates the Fair Credit Reporting ACT I still sent them the information they requested so that I can get this matter resolved and off of my report. I sent them all the information they requested by priority mail which I paid out of my own pocket and almost two weeks go by and no response. I contact them to find out what the status of their investigation is and I was told it is closed and I will receive a letter in the mail in about 5-7 days. I asked what the content of the letter is going to be and are they going to send the supporting evidence that I requested. After being on the phone for almost an hour i'm told, the letter will state the investigation is closed and you are still responsible for this account. They also said they was nothing in your file about sending any documents back to you so we consider this matter closed. I find this absolutely unprofessional and just bad practice on how to operate a company. They were given the chance to verify this last year so this should have never happened. I can't trust a credit reporting agency like TransUnion LLC to follow proper procedure, therefore this is the result that I receive and now my credit is being hurt by this item that is on here so I am asking that it be removed. I've had this account removed from my report through the proper channels and now its back on there. I reached out to both TransUnion LLC and XXXX XXXX XXXX to have this resolved and now it just seems like they are playing some kind of cat and mouse game and won't support their case. I tried every single method to resolve this matter, I am coming up with no results and both TransUnion LLC and XXXX XXXX XXXX are not cooperating.Please help me resolve this issue so I can have an accurate credit report file.
Product: Checking or savings account

Did not have overdraft protection so I couldn't overdraft and the bank charged me overdraft fees everytime something came in and wasn't enough money in account from XXXX XXXX  I believe. Said I owed them over XXXX $ in fees. This bank Wells Fargo in XXXX.
Product: Mortgage

My mortgage was sold from XXXX to Mr. Cooper loans in XXXX. The account was not set up until the end of XXXX. I went on to make payments and was not able to because I was in default. I called to get payoff amount check was sent XX/XX/XXXX and remove my checking account but account has not been credited and they are still moving forward foreclosure I can not get them back on the phone to discuss
Product: Student loan

In XXXX, Sallie Mae approved me for a private student loan with a 12 % interest rate to begin medical school at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite the global impact of the XXXX pandemic, I was offered this extremely high interest loan with very limited options or alternatives. I accepted it under financial pressure, as this was the only way I could pursue my education. 

For my second year of medical school, despite having no major changes in my credit profile or academic status, Sallie Mae denied my loan application. This forced me to leave the program and halted my path to becoming a physician. 

Now, I am left with a debt of approximately {$90000.00} for an education I could not complete due to the abrupt discontinuation of funding. I believe this is an example of predatory lending that took advantage of students during a vulnerable time. 

I am requesting a formal review and investigation into this matter to determine whether any resolution or relief is possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX of XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX Acct # XXXX Has violated my rights 15 usc 1681 section 602 8 states, I have the right to privacy 15 use 1681 section 604 a section 2.

A consumer reporting agency can not furnish any account without my written instructions. 

On XX/XX/XXXX  debt of {$780.00} was placed on my XXXX  and equifax credit report by Account XXXX XXXX. I've never heard of this company or conducted business with this company before. I've also disputed this debt through XXXX and Equifax as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have violated my rights, I have the right to privacy, they can not purchase my accounts without my written instructions. 


{$4600.00} Open balance XXXX XXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/2021 ( 1 yrs, 6 mos ) Account status Open Type -- Responsibility Joint Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX$230.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 1 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continuing to report an aged out account. I have submitted proof of the age and the company XXXX XXXX XXXX XXXX has responded saying that it is old but they will continue to report it and Experian is responsible for deleting it. Experian 's response is always to defer to the company and this is a violation of my rights. The account should be deleted from my report based upon FCA rules not based upon XXXX XXXX XXXX XXXX 's discretion. Please reference case number XXXX for all evidence and responses from both parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credt Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1B1, 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 16BI section ( 602 A. States 1 have the right to privacy.

15 U.S.C 1681 Section L04 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.E 1BIc. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 4815-2 ( A ) ( ) A person shall not furnish any information relating to a consumer to any consumer reporting agency tf the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I put in a dispute with Equifax and XXXX XXXX back in XXXX 2016. I notice that XXXX did an inquiry on my credit file but I did n't request or authorized them to pull my credit. XXXX sent me a letter stating the inquiry will be removed because it was an unauthorized inquiry. I called Equifax consumer XXXX on XXXX XXXX because I did n't receive and notice from them stating the investigated the unauthorized inquiry. The person I talked to that they stated the do n't investigate inquiry 's. I told him that XXXX XXXX has already investigated the matter and requested that the inquiry be remove. The person on the phone stated the inquiry will not be remove. Equifax is always refusing to investigate or remove items that has been proven is inaccurate information. I always have to put in a complaint to get items taken care of. I have attached the XXXX letter saying they requested the item to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. 
XXXX XXXX XXXX Date Opened XX/XX/2016 Balance : {$400.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Re : Cease and Desist Demand and Dispute of Repossession Action [ Account Number - XXXX Dear XXXX XXXX XXXX, I am writing to formally dispute the debt referenced above, which you claim I owe, and to challenge the legality of the recent or pending repossession action related to this account. 

I request that you provide immediate validation of this debt, including the following : 1. The total amount claimed as owed, including any interest, fees, and penalties.

2. The original contract or agreement that outlines the terms of the debt, including my signature.

3. A detailed explanation of how the debt amount was calculated.

4. Documentation showing that the debt is still enforceable, including the chain of custody or assignment of the debt if it has been sold or transferred.

5. Proof of compliance with all relevant state and federal laws concerning the repossession, including notice requirements and timelines. 

Until I receive full validation of this debt, I consider this debt to be in dispute, and I do not acknowledge any obligation to pay it.

Furthermore, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you cease all communication with me regarding this alleged debt and repossession. This includes phone calls, letters, emails, or any other form of contact. The only exception to this demand is communication required by law, such as providing the validation of the debt as requested above.

Please be advised that failure to comply with this cease and desist demand, or to provide the requested documentation, may result in legal action being taken against your company for any damages I may suffer as a result of your actions.

I expect your immediate compliance with this demand and that all collection and repossession activities cease until this matter is fully resolved.

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

On XX/XX/21 I was given a checking account number and routing # to pay off my credit card balance of {$790.00}. My credit card balance after 3 days showed a {$0.00} balance. I was asked in return to make a XXXX payment on XX/XX/21 to someone for {$990.00} in the promise that it would be paid with the same checking account that paid off my credit card. On XX/XX/21 the original payment of {$790.00} was returned as insufficient funds. I was told to send it back through because the bank messed up and there was definately money in the account to pay the balance. The XXXX payment I submitted payment for to my credit card in the amount of {$1000.00} was also returned as insufficient funds on XX/XX/21. I disputed this transaction of {$990.00} on XX/XX/21. Sent in all of the requested information. Received a letter on XX/XX/21 that my dispute had been settled and I was responsible for the transaction of {$990.00}.
Product: Debt collection

Claiming I had a debt and to contact a know scam debt collection scheme
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute inaccurate and mixed information that has been mistakenly included in my credit report. There is an account appearing under my name that does not belong to me and seems to be linked to someone elses profile. This error is not only damaging my credit standing but also adding to my ongoing concerns regarding fraud and identity theft. As a consumer, I have the right to an accurate credit report, and this misreporting is unfairly impacting my financial reputation.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020, I received a call from my bank regarding a mortgage application I filed. I was shocked to learn that accounts for which my son had listed us solely as authorized users were counting against our credit score. We are not now nor ever have we been financially responsible for these cards yet this is counting against us. This is patently unfair and this practice needs to stop at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 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. XXXX, XXXX, and 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 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 XXXX, XXXX, and TransUnion are 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 



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

I, XXXX XXXX am submitting this complaint and no third party is involved. 
I XXXX XXXX, have shown proof of identification along with other documents to Equifax. I've spoken to several representatives about updating my correct address and name. They have yet to put the correct information. There are other addresses on my credit report that should be deleted because it is the wrong information and I do not agree. There has been no update to my name neither my address. I have not given direct consent for Equifax to have the wrong address and name on my credit report. Delete the invalid demographic information.