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

I asked transunion to update my credit report about my personal information. They still haven't the addresses they have on file are wrong! I would appreciate it if they would update it
Product: Credit reporting or other personal consumer reports

As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. 

I want answers asap on these negative accounts. You have had ample time to investigate these accounts and provide me with a response and you have failed to do this. 

I want these negative items deleted. 

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

I am writing to make a formal complaint against the credit bureau agency Experian. I have filed disputes online, in writing, and over the phone in XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX, but they have never been resolved they continually report my credit as inaccurate. I filed bankruptcy in XX/XX/XXXX which was finalized on XX/XX/XXXX, I sent Experian all the documentation showing items should be discharged. But they keep reporting incorrectly, when I called the customer service representative was rude and very unknowledgeable. Also, Experian is reporting my credit card balances wrong and they were just updated. Experian keeps reporting the negative information inaccurately and will not remove it. 

Thank you for your time,
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a store credit card through XXXX. back in XX/XX/2023 I contracted XXXX and missed a lot of work. I also misse y payment due to being so sick! I called XXXX at the end of XXXX and asked them to make a payment plan to catch up and was given dates and authorizations over the phone for several dates for my card payment to be directly taken from my account! To bring it up to date. They assessed one payment and the reported to the credit bureau that I was over 30 days late to Transunion. Which resulted in lowering my credit limit and my credit score and I was not notified even through letter that any of this was taking place. The person on the phone made it seem they were sympathetic that I was going through the after math of XXXX and they were enrolling me in a program to get caught up and all the whole they were plotting against me to decrease my credit limit ; increase my utilization, and lower my score! I have had this card for over 6-7 years and NEVER had a late payment on my credit report! However before last year the store card was through XXXX! I did not start having issues until my card was transferred to XXXX! When I called the company to dispute and try to rectify the problem the rep and their supervisor said they cant see the screen past a certain point. They said they could see that my card had a payment plan but did not see why they didnt go through. There were funds on my account to pay. And if it didnt have funds or for throughly they would had contacted me through phone or mail! Both the rep and the supervisor stated there was nothing they could do!!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/ closed accounts XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Data breach happened, per 15 USC 1681c2 please block and delete this item within 4 business days.
Product: Credit reporting or other personal consumer reports

I dispute the debt on my account being pursued by your agency. Please provide details on the debt, including the amount, original creditor, and fees. Confirm your licensing to collect in Florida, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, produce the Forward Flow Agreement associated with my account. Cease collection activities until the requested information is provided within 30 days.
Product: Bank account or service

I made an online purchase using my debit card on XXXX XXXX 2015. The merchant did not have one of the items I ordered in inventory, and said they issued a {$10.00} credit for the item. I have never received the credit. I talked to the merchant and they said everything has processed on their end, and there was nothing more they could do, and to call my bank. I called my bank, and they said there is nothing they can do. My understanding is that the bank has an obligation to investigate any reported error, however they refused to do so. They said my only option is to return the part of the order I did get and get a refund for the entire order, or dispute any incomplete refund from there. This does not make sense. I feel the bank has an obligation to investigate.
Product: Credit reporting or other personal consumer reports

This is Several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 

OAG CHILD SU XXXX XXXX : {$4500.00} ; ATTYGENERL XXXX Balance : {$4500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Hack I am a victim of the widely reported Equifax hack in which personal identification information such as my name, SSN, DOB and home addresses were likely stolen from the company. 

Consequences I have already suffered as a result of this theft - Incurred personal costs to safeguard my credit including paying for credit freezes, credit reports and credit monitoring services - Lost of time and productivity as a result of researching implications of such hack and implementing what measures I can to protect myself - Lost of time and productivity educating friends and family on potential impact of such hack - Ongoing worry and concerns over potential impact of such hack as the information stolen is irreplaceable Other potential consequences as a result of such hack - Likelihood of identity being stolen is dramatically increased - As of right now, perpetual credit freeze greatly inconveniences me and will cause me to incur future costs as a result of freezing/unfreezing actions Actions the company has taken to rectify problem - As widely reported, the company 's initial response has been has been widely seen as completely inappropriate as insufficient - Website offers inaccurate and incompletely information to consumers on whether their information was stolen - Company, on social media, advertised an incorrect website as a result of a white hat phishing exercise - Company attempted to limit liability from potential lawsuits by making consumers sign away their right when signing up for credit monitoring services - Company offered insufficient protection for their credit monitoring services - Company initially charged consumers for credit freezes - Company 's customer response effort is so poor that their website is still unresponsive and efforts to reach customer service via phone takes multiple calls - Company failed to inform customers in a timely manner as widely reported
Product: Debt collection

I asked for proof of a debt Validation letter. I sent them a affidavit of truth and claim of rights letter. I also requested a 1099-c form. And a notification of default failure to honor.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) # XXXX, Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXX Account name : XXXX ( Original Creditor : 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 or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after being investigated. I would like this item to be re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXXXXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send a updated copy of my credit report after the reinvestigation.
Product: Credit reporting or other personal consumer reports

This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

My Federal loans were all taken out before the bubble burst and I was saddled with a 7.1 % interested rate. A number of my loans were sold off to different lenders during XXXX and I consolidated them to keep them all in one place however I am now stuck with an impossible interest rate which is exploding my debt. I want to be able to be able to refinance.
Product: Credit card or prepaid card

On XX/XX/2021 in the evening I went to a nail shop called XXXX XXXX  to get my nails done for my graduation. Within less than 12 hours my nails were ruined none of the stones stayed on and to top it off she messed up my gel. I contacted the nail shop as soon as they opened on XX/XX/XXXX ( the day of my graduation ) to see if they can get a more qualified mail tech to do them right ) and spoke with a young lady who refused to let me speak with a manager stating they dont have one in that day. I called over 4 times for her to give me that speal and she hung up on me and I was so angry because my graduation was at XXXX. During my graduation ceremony they had the nail tech who did my nails call me from her cell phone number stating how shes been doing nails for years and telling me how I shouldnt have gotten stones. Maybe she shouldnt have taken a request she couldnt do they refused repeatedly to let me speak with a manager for a refund. I filed a dispute with XXXX  about this and they rebilled my card stating the merchant lied and told them I never contacted them about the issue. I called in and had them re-open the dispute and submitted my phone records directly from XXXX showing the numerous calls I made, and the incoming call from the nail tech as proof that theyre lying. Woke up again today to See XXXX  rebilled me for the amount again with the same lie The merchant stated you never contacted them. This is absolutely ridiculous you have solid proof that is a lie. XXXX  doesnt actually investigate or use their brains for a dispute they just take the merchants word as XXXX despite having solid evidence in their faces!
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX credit reports do not show the correct balance that I owe with XXXX XXXX XXXX. I would like them to please update their records accordingly. 

In addition, XXXX and Equifax do not allow me to put a consumer statement on my report and I would like the following statement to reflect on my XXXX and Equifax reports : The reason my credit history has late payments and a couple of cards have charged off was because my mother was diagnosed with XXXX at the time and I had to take care of her. I had to pay for bills along with medical expenses for her because she could not work. I am currently trying to rebuild my credit as she is XXXX free now.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNT : XXXX XXXX XXXX Account number - XXXX XXXX  XXXX - Account number XXXXXXXX XXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX XXXX - Account number - XXXX  15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not be able to see my Credit Report since XX/XX/2020 until XX/XX/2020. Sent emails and called and to this moment company has refused to help me. I tried to obtain my annual free credit report and not even that I can get. I was informed by a rep that my address was removed from the internal database and i did not initiate a change of address or dispute. I spoke with rep from escalation department on XX/XX/2020 who hung up call on me because I wanted to know why my address was deleted. This company has been very unprofessional and the worst at resolving ongoing issues. Was told that the escalation ticket from XXXX is still open and I can not see my report. This is against my RIGHTS!!!!!!
Product: Debt collection

On XX/XX/year> Dobberstien law firm called me and the lady told me first my payments didn't go through or were charged back/canceled which they weren't and I told her I have receipts as well as bank statements showing I have been paying my payment arrangement. Then she goes to tell me I missed a payment because I paid it XXXX days earlier and they will pursue the judgment if I don't get caught up. As soon as I told her I have a receipt showing I paid it a few days early she said, " well we will look into it '' and hung up. This is harassment I told the company not to call my cell phone as I am making payments and they still do.
Product: Credit reporting or other personal consumer reports

I have already reached out to XXXX XXXX XXXX regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Product: Mortgage

I started a VA cash out refi on the XXXX XXXX. I have not spoken to the XXXX XXXX  and after leaving several messages still have not reached out to me. I have submitted everything the portal has asked me to submit with in 10 minutes of the notification. The company is being very unprofessional and are not doing there job to get me loan info in a timely manner. There are companies out there that would have closed my loan already and yet I still haven't talked to anyone at this one.
Product: Credit reporting or other personal consumer reports

So every time I try and open up a bank account I cant because they say I need to contact you all and that I owe a bank or something I dont know
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2023, I submitted complaint XXXX. On XXXX/XXXX/2023 Transunion acknowledged that it was received and that they would respond. This is regarding a bankruptcy that was disputed with their third party verifier. Once again, similar to the previous complaint, within 2 days of submission of this CFPB complaint, Transunion has supposedly verified this erroneous listing despite being sent documentation that they are ignoring. I did not ask for another 24 hour investigation, I asked that this documentation be reviewed and removed for inaccuracy. Tranunion has not responded to complaint XXXX and instead continue to automate responses.
Product: Mortgage

My home at XXXX XXXX XXXX in XXXX, XXXX, New York was discharged in a bankruptcy in XXXX of 2011. The docket number is XXXX. I have the name of the Law firm I used, the name of the Bankruptcy Trustee and the name of the US Bankruptcy Judge, if you need them. The loan has been sold so many different times and to so many different companies I can not count. All these Mortgage companies keep sending me certified letters and calling me- non-stop since 2011. One of  the companies even put the bad loan back on my credit report and we had to contact the Bankruptcy lawyer we used to get the info removed. I believe there was a class action against that company and they have to pay out small settlements to those involved. Why did n't the first bank just take the property and leave me alone? We are trying to move on with our lives. Local taxing entities from the Town are still sending me tax bills. I have told my Attorney about this several times and he does not think I have anything top worry about?
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$900.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$280.00} XXXX - XXXX - XX/XX/XXXX - {$57.00} XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$15000.00} XXXX - XXXX - XX/XX/XXXX - {$00.00}
Product: Checking or savings account

Comerica direct express is holding my XXXX benefits due to alleged fraud. They put me on hold for a combined total of XXXX hours over the past week. They request documentation that I've sent and say that they need further documentation and request the same documents I've already submitted. They've even told me that I can't use my XXXX account and tried dictating which email provider I use. They have me on hold for hours only to hang up on me.
Product: Student loan

I wrote a letter for forgiveness to student loan in the past and didn't receive any response!!! here is my story I'n XX/XX/XXXX I did not graduate H.S, was short by 2 English credits, along comes federal student loan trying to trick me into getting a federal student loan for the amount of XXXX.Also receiving XXXX grant money to go to XXXX XXXX colledge in XXXX , at the time I excepted the loan because they kept coming at me with it, everybody knows its a sensitive time after getting out of H.S, did they know where I was at in life! No, nor did they bother to care that I was an average student and didn't graduate! No, so not quite being ready for colledge I dropped out, I just wasn't ready and the reason being was from a injury that I received when I was XXXX XXXX XXXX XXXX   when I was riding my bike on the road by our house in XX/XX/XXXX ever since that incident I had a hard time maneuvering thru life with the simplest tasks, i also tried to get help like S.S., I went in front a judge on XXXX XXXX to get help and I couldn't continue because the judge non sympathetic and didn't care, so there go our beautiful system at work! so after years of no payments at all towards my student loan, it then got transferred to XXXX XXXX, then now present day to Navient just under {$10.00} all in accrued interest, to finish off back in XX/XX/XXXX I did some sort of electronic paper work with Navient or XXXX XXXX putting my loan into foreberence and hardship, now I'm thinking that was a grave mistake because it made the the loan harder to forgive, another one of their tricks that they don't explain to you.so there is my story!!! ps if theres anyone that can help please do so or pass it on to someone who would take the time to care and relieve me of this 37 year old financial madness!!! so it can be forgiven!!!