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

On or around XX/XX/24 I was reviewing my TransUnion consumer report and apon inspection I noticed there was a unwarranted, no written or verbal instructions giving permission for this derogatory Inquiry to be on my TransUnion consumer report from XXXX XXXX XXXX XXXX. This hard XXXX is not attached to a open account. My FCRA federal protected rights is being violated by this XXXX being placed on my consumer report and TransUnion policy doesn't supercede federal law. So please Remove immediately before I start the litigation process.
Product: Credit reporting, credit repair services, or other personal consumer reports

well first off I am very angry and disappointed that Transunion and XXXX and their fraud department decided to keep reporting a collection that I disputed as identity theft I did my research on the matter and even did what they told me to do which was file a police report to get the account deleted I also filed an complaint with FTC and CFPB and sent all documents to XXXX XXXX XXXX who are the ones reporting this fraud information and I sent these documents to Transunion XXXX XXXX also filing a dispute with them both to but now they are back reporting this fraudulent account, identity theft account saying its a 100 % accurate they are basiclly parroting information not caring about any laws while doing it. Its like they really want to see if you will sue them but trust me i'm ready now this is my last complaint and final notice, and removing inaccurate information is also an admission of guilt I hope they know that. Its like anybody can make up anything about someone and report it to these credit reporting agencies like tranusnion & XXXX and all Transunion XXXX XXXX do is automatically say its yours its a 100 % accurate pay it its nothing you can do about it all the other big companies will agree with us. So we will keep reporting this fraud account and get paid doing it while we force you to still pay on an negative collection account thats not even yours thats Transunion XXXX XXXX for you. I need this XXXX XXXX XXXX account deleted immediately I refuse to risk my freedom reporting a false police report to the XXXX XXXX police department
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reportsXXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$110.00}
Product: Credit card

Two check were issued, both " lost. 
Put stop payment on both check at one point. Stop payment was reversed on check # XXXX dated XX/XX/23 - which cleared my bank on XX/XX/23. Check # XXXX was attempted to cash on XX/XX/23, but was returned due to a stop payment that was put on for good measure on XX/XX/23 since they had already cashed the first check. 
There are no funds that were returned to my account after they were taken out. All proof has been submitted several times. And I keep getting a response that the funds were returned.
Product: Debt collection

I have been disputing this matter several times. Your efforts in resolving my problem were ineffectual. What else should I do for you to give thorough attention to my dilemma? I believe there may be an error in the reporting, and I am seeking your assistance in rectifying this issue. 
XXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand the importance of maintaining an accurate credit history, and I am committed to ensuring that my credit report reflects my financial behavior accurately. However, I am concerned that these late payments are negatively impacting my credit score and my ability to access favorable financial opportunities.
Product: Debt collection

You have failed to respond back to my letter that was sent on XX/XX/2024 and now youre in default. I hope this correspondence finds you well. I am writing to address the matter of the collection accounts currently reporting to the credit reporting agencies under your management.You are using in the public selling private information to make a profit that is private property of the XXXX XXXX Living Trust. I, [ XXXX XXXX ] am the beneficiary of the [ XXXX XXXX Living Trust ], and I assert my equitable interest in the account in question ensuring my rights and interests are duly protected. Maxims of Equity states : Equity regards the beneficiary as the true owner. While I acknowledge and appoint [ JEFFERSON CAPITAL ] as the trustee of this account, it is imperative that we ensure proper documentation and legal standing in this matter. I am writing to request documentation regarding your fiduciary capacity to use the data connected to XXXX XXXX principal debtor/Franchise/Cestui que on which I am the beneficiary of. I have the right of subrogation as the holder in due course. All property of the Precedent vested Estate has been conveyed into the Jurisdiction of the XXXX XXXX Living Trust. As per my right to accounting and to clarify this relationship please provide me with the following comprehensive documentation : The Notice of Assignment The Deed of Assignment The original executed agreement A full statement of account as per XXXX guidelines Confirmation upon your chose The default notice Certificated security instrument issued by the United States to show proof of possession over the principal debtor for subrogation rights. 

Please send the requested documentation to the address listed above. I would like to express my willingness to cooperate and work towards a resolution. If there are any discrepancies or concerns, I believe that clear and transparent communication will help us reach a fair resolution. 
Removal or Settlement : If [ JEFFERSON CAPITAL ] can not provide the requested documentation ; I request the immediate removal of the account. Alternatively, if the debt is legitimate, please provide instructions for settling the account in accordance with your fiduciary duties. 
If you can not prove or rebut anything stated within this legal document, you fully agree with all demands being made. If no removal or settlement, I will make the following claims against you in federal court according to the Fee Schedule of the Trust : 1. Fraud and False Statements 2. Conspiracy 3. Failure to Respond to this notice 4. Failure to Respond as Outlined in this Notice of Claim 5. Failure to uphold duties as trustee due to unjust enrichment of the beneficiary of the Trust 6. Identity Fraud I appreciate your role in protecting and managing the property associated with the trust. I kindly ask for your cooperation in resolving this matter promptly and transparently. We are requiring you to rectify all damages made to the credit profile of ( XXXX XXXX ), more specifically, immediately remove the account and settle the alleged obligation within 7 days. 
Best regards, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act USC 1681 Section 602 ( a ) states " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. Which under this act I have the right to make sure that my information remains private and isn't shared. But it seems that my rights are being violated due to the collections I see on my consumer report. Pursuant to 15 USC 1681b " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with written instructions of the consumer to whom it relates. I in fact DID NOT give consent to have anything added to my consumer report which is a direct violation of the Fair Credit Reporting Act. This is also considered identity theft according to 12 CFR 1022.3 subpart A ( h ) " Identity theft means fraud committed or attempted using the identifying information of another person without authority. " Again I gave no written consent at all for this action to take place which is against the law. XXXX and XXXX do not gave my consent to furnish this information and for certain do not have my written consent. All consent to XXXX and XXXX whether it is verbal, non-verbal, written, implied or otherwise is revoked. Also according to 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 several years. '' These accounts are adverse items they are reporting as I said before without my permission which is against the law. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining the proper procedures. And, 12 CFR 1016.7 States that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services. The following accounts are below : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Balance : {$850.00} Furnisher of information : XXXX XXXX XXXX Credit Date Opened : XX/XX/XXXX Balance : {$4400.00} Furnisher of information : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ( XXXX ) and {$1000.00} ( XXXX ) Furnisher of information : XXXX XXXXXXXXXXXX  Upstart Network Inc XXXXate Opened XXXX XX/XX/XXXX Balance : {$0.00} Furnisher of information : Upstart Network Inc *PLEASE NOTE : LEGAL ACTION WILL BE TAKEN ON CONDITION THAT THE ABOVE CONSUMER REPORTING AGENCIES FAIL TO HONOR THE RIGHTS PROTECTING I THE CONSUMER*
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX AND 2 BRANDS  XXXX, XXXX XXXX PLEASE RE-INSERT ALL MY ACCOUNTS BACK INTO TRANSUNION CREDIT FILES..TRANSUNION IS VIOLATING THE F.C.R.A. 15 U.S.C. SECTION 1681g and YOU ARE VIOLATING THE CREDIT FURNISHERS LAWS AND ARE ALLOWING TRANSUNION LLC TO VIOLATED THE FINANCIAL NETWORK DESIGNED TO PROMOTE CONSUMER TO CREDIT RELATIONSHIPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to Discover fraud specialist regarding a recent denial letter of a personal loan that I have not applied for. Reference # XXXX XXXX XXXX. How can I prevent fraud from happening, or stop scammer from using my identity.
Product: Credit reporting or other personal consumer reports

I just checked again my XXXX, XXXX and Equifax credit reports and I can see account reporting inaccurately. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send my letter off in XXXX I told the credit bureaus to " investigate every piece of information '' on the accounts I listed below XXXX  Account # XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to the FRCA the term " investigate consumer report '' : means a consumer report or portion thereof in which information on the consumers character general reputation personal characteristics or motive living is obtained to personal interviews with neighbors friends or Associates of the consumer reported on or with others with home he is acquainted or who may have knowledge concerning any such items of information They stated my account was verified but how is that possible if they did not do a proper investigation? according to the law. also every piece of information on these is counts is still not reported a hundred percent accurate and according to the F RCA 15 USC 1681 everything has to be 100 % percent accurate or deleted.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-c ( Cancellation of Debt ) for the following charged off accounts listed below. 
Truist bank account # XXXX After checking my most current report, the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account and the XXXXXXXX XXXX account that is linked to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to file a complain against Experian. I have made several attempts to login and get my information and when I call I am not able to gain access. I know my information and have called several times. 

Also, I have noticed that someone is tampering with ( all ) XXXX credit bureau information because there has been addressess added to my credit report of places someone felt I have lived but I never received mail at those addresses so I am not understand how they were even able to obtain. 

What I can tell you is that staying in a hotel doesn't consitute a home address when I used a XXXX XXXX XXXX 

I believe this to be the ( FBI ) because I have notice that I am being followed and even my bank accounts are being tampered with. 
Bottom line, the law is being broken and my rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below.

-Date opened has different dates -last reported has different dates - date of last activity has different dates - date of last payment has different dates
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Denied Credit Freeze- with my current address 2. Denied annual credit report because of my address. 

I am an American Citizen with a valid social security number. 
per complaint # XXXX : Submitted false information that I received a credit report on XX/XX/XXXX from Innovis. 
It NEVER happened. Further text says their is a security freeze on Innovis ' account. 
Phone conversation of XX/XX/XXXX revealed no such freeze. 

Text also goes on to say that it was mailed to me- in XXXX where I was living? - Never happened. Innovis policy says no international mail, in or out. 
What about now - annual report and freeze status? 

Text also says : I can request a credit report. - Impossible with my current address, and the phone conversation of XX/XX/XXXX said Innovis does NOT accept international mail. 
They also said they would not accept US Federal government information about my current address such as 1099 Social security since it is in XXXX. 

Suggest a Federal investigation on Innovis Policies.
Product: Credit reporting or other personal consumer reports

I don't recognize the inquiries so I couldn't explain, I just know their causing damages to my credit worthiness
Product: Credit reporting or other personal consumer reports

Transunion continues to report fraudulent activity on my credit report. I have reported fraudulent inquiries on my report and they refuse to remove them even with me sending them the FTC report and the police report. XXXX - XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX I have report them before and they took no action to remove them!!!!
Product: Debt collection

Disputed with XXXX for accuracy on report, sent letter requesting accuracy. Their investigation did not fix the error on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting

I have sent to certified letters over the last 60 days stating to TransUnion that they are reporting a BK Dismissal on my credit report that is n't mine, I received a letter from them stating they verified that information. I called the US BK Court where is false filing took place, the BK Clerk told me that they do n't verify and information to any party or company. I need verification on how they came up with this verified information that does not belong to me. This has hurt my credibility not to mention I just got turned down for credit. I will file a law suit against transUnion for damages to my credit and slander. How can a copy report false information and say they verified it was me. Please show me my signature and whom they spoke with at the US BK Courts. I want a name so I can file a law suit against them as well. If I have to I will call the local news agency to get this on the news.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Complaint  XXXX  :  XXXX  indicated the credit cards identified as identity theft in those complaint were removed from my credit report. Current copies of my credit report still show the fraudulent credit cards on my report. Additional complaints and investigation requests do not result in any changes or complete investigations. I request a complete copy of all investigations completed and reasons for not removing the fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX XXXX and XXXX 's customer service representative.
Product: Credit card

I have been trying to make a payment on my credit card. The payment due date is XX/XX/2023. The payment portal for M1 does not allow you to add a sending account... it displays " No Accounts Available ''. There is no place in their portal/platform to add a paying account to pay my monthly credit card bill. When I call, I can't understand the agents. Last month it worked fine, but it was by phone. She said that she " could see my payment method and use it '' ... but I can't!
Product: Credit card

I have been with Chime for several years. I used them for all purchases and savings. My tax returns were filed recently. Then, without warning, when my paycheck cleared immediately started closing all my accounts. I was left with nothing and no answers