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

I am A victim of identity theft, and I have reported this issue and all required documents to TransUnion. they refused to remove those items from my consumer credit report after several request to delete them. Items are listed below ACCT = XXXX XXXX # XXXX XXXX  XXXX/ XXXX XXXX  # XXXX XXXX XXXX  # XXXX  INQUIRIES = XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX XX/XX/year> LATE PAYMENTS =XXXX  XXXX XXXX  XXXX XXXX late payments Personal INFO= all names or combination of names that is not XXXX XXXX XXXX XXXX TransUnion is in clear violation of 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances ( a ) IN GENERAL : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

{ 2 } In accordance with the written instructions of the consumer to whom it relates.

DID I GIVE YOU WRITTEN INSTRUCTIONS TO FURNISH THIS ACCOUNT ON MY CREDIT REPORT?

furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSION S - Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) Subject to section1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments an accounts from my consumer report, this agency is in violation of 15 USC 1681. 



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

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair credit Reporting act XXXX Account # 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 a account without my written instructions. 

Account name XXXX XXXX XXXX Account number XXXX Original balance {$24000.00} Past due amount {$4800.00} Date opened XXXX XXXX, XXXX Needs to be removed Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1000.00} Past due amount {$1000.00} Needs to be removed Account name XXXX XXXX XXXX  XXXX Account number XXXX Balance {$1700.00} Date opened XX/XX/XXXX Needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination.

Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXXXXXX 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

Transunion recently verified a bankruptcy. Per their own response they used the bankruptcy court to verify. Please see the enclosed letter form said bankruptcy court ( bankruptcy letter attachment ) saying that they do not verify any accounts, so how was Transunion able to verify. Please also see attached from XXXX XXXX ( XXXX XXXX attachment ) where they were also unable to verify and removed from their system, as well as LCI ( CFBP complaint number XXXXcopied below ). So how was XXXX able to verify the account? They were not. I demand to exercise my rights ( under the FCRA ) and have the bankruptcy removed from Transunion database and my credit report immediately as they are unable to verify said account. 

LCI Response CFBP complaint number XXXX " Company 's Response This is in response to the complaint filed by XXXX XXXX with the CFPB on XX/XX/XXXX. By way of background, Lundquist Consulting Inc. ( LCI ) obtains bankruptcy information from publicly available sources and, in its role as a furnisher under the Fair Credit Reporting Act ( FCRA ), LCI provides this information to TransUnion for TransUnion to include, at TransUnions sole discretion, in its consumer reports. Upon further review of the information provided and based on the bankruptcy case filing date of XX/XX/XXXX and termination date of XX/XX/XXXX, LCI has determined that LCI did not provide TransUnion with the bankruptcy information concerning XXXX XXXX that appears on XXXX XXXX TransUnion consumer report. LCI began providing publicly available bankruptcy information to TransUnion on or about XX/XX/XXXX. LCI does not have the ability to remove the bankruptcy information in question from the publicly available sources or to remove information that TransUnion has included within XXXX XXXX consumer report. XXXX XXXX may need to contact TransUnion directly to determine the source of the bankruptcy information that appears on XXXX XXXX TransUnion/XXXX consumer report. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX auto finance has violated my consumer credit reporting rights in violation of 15 U.S. Code 1681b under the F.T.C and FCRA
Product: Debt collection

While I was in default of my title loan I decided to trade in my truck to have. It paid off and use the left over equity for down payment on another vehicle. The in house loan depart and I on speaker phone called to get the 10 day payoff amount. While looking for and deciding what to get along with finance options the title loan company continued to call the dealership days after harassing them about the truck also. This happened more than once. Discussing my account with the owner of the dealership. In return I did not get the loan. Imagine how hard it is to recieve a auto loan when a title loan company continuing to call the dealership about a default auto account.
Product: Credit reporting or other personal consumer reports

XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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

On XX/XX/XXXX I sent a dispute letter to Equifax for the following accounts, XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1600.00} )XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$440.00} ), XXXXXXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance {$280.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX. XXXX, XXXX, Balance {$0.00} ), XXXX XXXXXXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$820.00} ). As well as the following inquiries, XXXX XXXXXXXX XXXX XXXX ( Date : XXXX XXXX, XXXX ), XXXXXXXX XXXX XXXX XXXX ( Date : XXXX. XXXX, XXXX ), XXXX ( XXXX XXXX, XXXX )XXXX XXXX XXXX XXXX  ( Date : XXXX XXXX, XXXX ). It's been over 45 days since I sent this dispute and they have not answered nor corrected these issues as they are required to by the FCRA.
Product: Credit card or prepaid card

I contacted the chase executive office multiple times to provide information from the merchant admitting they found the product I never received that they ignored my attempts to contact them and provide the information so they wouldn't have to provide a refund. They initially ignored information to help me prove my case to save money. They are participating in fraudulent behaviors alongside merchants and I have the correspondence to prove it, The merchant contacted me on XX/XX/XXXX and admitted to never providing my product. U contacted chase executive office four times on XX/XX/XXXX twice o XX/XX/XXXX, I can provide a screen recording from the voicemail of the merchant. I've attached a recording showing the merchants number, when they called, as well as the direct contents of the voicemail admitting they never provided the item. I contacted the merchant on XX/XX/XXXX, and twice on XX/XX/XXXX requesting my refund prior to contacting the executive office.
Product: Checking or savings account

A fraudulent check was deposited into my checking account for over 9k in XXXX. I was told by deposit services that it would be investigated and the check was deposited from PA. I do not know anyone in PA or live there. I was informed that it was not properly investigated. It caused my account to go into a negative balance that was suppose to be disputed in XX/XX/XXXX. The call was disconnected and I never got a call back. I was never informed by USAA that my account was being charged off, I never got a letter from them to my house. On XX/XX/XXXX the VA accidentally sent my VA benefits amount XXXX to the wrong account and I have been I contact with the bank since XX/XX/XXXX and was informed multiple times that I would be receiving my benefit check in 3-5 days every time I spoke with them. I was told Monday XX/XX/XXXX a check was mailed out but they were unable to provide me with a check number or tracking number. I was informed yesterday XX/XX/XXXX it wouldnt be until XX/XX/XXXX until receive my benefit check. I am now late on my rent and I have a XXXX yr old with XXXX XXXX who is also XXXX XXXX and XXXX XXXX. I have been unable to take her to dr appts due to not having the funds for her copays. I have been told that it is being expedited but there is no movement.
Product: Debt collection

I have sent this company a cease adhere this company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter the company is not legally bonded and or insured to collect in the state of TEXAS. please have this company cease all collection activities this my last attempt to complain outside of court.
Product: Checking or savings account

My previous CFPB complaint was closed after believing the business response from Citibank but it was false and I do not have the check they said was mailed. I also did not receive my cash rewards totaling at least XXXX dollars. This has been going on for months.I called Citibank executive office today and they refused to get me a manager or cal XXXX  regarding check or even try to see if check exists. This is because they probably didnt mail it. I want my checking account closed and a check overnighted with signature reguired upon delivery.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following fraudulent accounts and inquiries identified through my investigations and verified through FTC Identity Theft Complaints : Credit Card Account : Opened at XXXX XXXX  on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$12000.00}. 

Credit Card Account : Opened at XXXX XXXX XXXX XXXX  ( XXXX ) on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$1900.00}. 

Credit Card Account : Opened at XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$11000.00}. 

Personal or Business Loan Account : Opened at XXXX XXXX  XXXX XXXX XXXX XXXX ) on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$17000.00}. 

Personal or Business Loan Account : Opened at XXXX XXXX  ( XXXX XXXX  ) on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$340000.00}. 

These fraudulent accounts have resulted in several related hard inquiries and collections appearing on my consumer credit report. Attached to this complaint are : A list of hard inquiries related to these accounts A copy of my consumer credit report highlighting the fraudulent items FTC Identity Theft Criminal Complaint # XXXX as proof of identity theft and fraud I do not recognize any of the aforementioned accounts, collections, or hard inquiries. The accounts, collections, and hard inquiries appearing on my consumer credit report were not opened, made, or initiated by me. All of the items mentioned in this complaint are the result of identity theft and fraud.
Product: Debt collection

I want to bring to your attention the cessation of essential services that were promised as part of my treatment plan with XXXX XXXX XXXX. These services include services such as customer support, access to the XXXX XXXX XXXX app, aligner replacements, Smile Guarantee etc., which are no longer available due to the company 's shutdown. 
Under these circumstances, it appears that the terms of our agreement have been fundamentally altered, as the services for which I am making payments are no longer being provided. This raises serious concerns about the continuation of payments under these changed conditions. 
I hereby request an immediate review of my account and suspension of future payments until a fair resolution is reached. It is crucial to reassess our financial obligations considering the current inability of XXXX XXXX XXXX to fulfill its contractual promises. 
This situation not only affects me but also impacts numerous other customers in similar circumstances. We believe that a collective review of this situation is necessary to address the concerns of all affected customers fairly and equitably. 
I look forward to your prompt response and resolution of this matter. Please do not hesitate to contact me should you require further information or clarification. 

Also, I have never provided my social security number to smile direct and I would like to know how Tek collect was able to obtain it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the accounts were still erroneous. 
please investigate the accounts below : XXXX XXXX XXXX XXXX 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: Student loan

I am attempting to verify the debt that XXXX states that I owe.
Product: Credit card or prepaid card

I received a letter from Comenity dated XX/XX/2022, stating that my XXXXXXXX XXXX XXXX credit card account issued by XXXX XXXX  XXXX would be closed as of XX/XX/2022, and that I'd receive a new card issued by Comenity. 
My complaint is that there was no way to opt-out of this change. 
I had the card with XXXX XXXX XXXXXXXX for 20 years, and had no desire to change banks. In addition, I had never heard of Comenity. Finally, I have security freezes with all three credit reporting agencies, and didn't think an organization would be able to open a new credit account in my name without my permission. 
I tried calling all three organizations involved before XX/XX/XXXX : XXXXXXXX XXXX  XXXX XXXX, and Comenity, and was not able to reach anyone who could stop the process. Once Comenity took over on XX/XX/2022, I tried calling to ask that the account be closed, but I have tried multiple phone numbers and have not been able to reach a human being. I get stuck in a loop with the automated call service, which results in the system hanging up on me. The last time I called, I did get a response when I said " Close account '' but was told the information would be faxed -- and I don't have a fax number. However, faxing was the only option given by the automated system. 
I'm concerned with the effect of having an open, but unused account on my credit score. The automated system of Comenity has no option to speak to a customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

One day in XXXX, I tried to make a purchase with my credit card and found that it was frozen. I called my creditor to ask whether there was a problem or not, and the creditor said that there was abnormal activity regarding my account. They checked the activity with me and concluded that there were two transactions from XX/XX/XXXX that were not mine : one at XXXX 's for XXXX and the other at Home Depot for XXXX. The creditor told me that they would investigate the matter and give me an answer regarding how the matter would be solved. I made another call to my creditor in XXXX to check the status of the matter, however, the creditor had no answer for me. They suggested that I make a police report. I tried to consult with the police, but they told me that they do not handle matters regarding credit card fraud. In XXXX, I made two more phone calls to my creditor to inquire about the matter. They did not disclose any details regarding the investigation and concluded that the two transactions were not credit card fraud and were made by me. They then closed the case. 

Because of the Coronavirus outbreak, my bank was not open and I was unable to make a visit to dispute the matter. I made another phone call to the creditor on XX/XX/XXXX to dispute the decision and they agreed to reopen the case for further investigation. The creditor required me to obtain proof from the two stores at which the transactions were made. Both of the stores stated that they do not accept personal inquiries. 

On XX/XX/XXXX, I received a letter from my creditor. They decided not to acknowledge that the two transactions were not mine, nor did they acknowledge that I was a victim of credit card fraud. 

I have tried many methods to solve this problem. After calling XXXX, I was given your customer service number and called. One of your representatives directed me to your website to make this complaint.