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

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, passport, driver 's license, This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT.

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

INACCURATE ACCTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!!

DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
Product: Checking or savings account

On XX/XX/year>, my mortgage lender, Pennymac, send a payment of {$4100.00} to XXXX XXXX to pay someone else 's insurance policy premium ( # XXXX ) from my escrow account. The premium for my policy ( # XXXX ) had already been paid on XXXX XXXX, XXXX  for the year. My home loan is for a property in XXXX, yet the bill that Pennymac received from XXXX that included my home loan number had a NY condo address and did not include my name. Pennymac doesn't seem to check the bills they receive to even see if the addresses line up before sending payments. 

I've sought to resolve this issue, and the companies say they are working on it, but it has now been nearly two months and I still don't have my {$4100.00} back. Pennymac won't let me close my escrow account because it now has a negative balance so I am stuck. 

This incident has now occurred twice in one year, and I am forced to spend hours on the phone trying to reach real human beings and untangle what happened. I do not trust that this will not happen again, so I will be cancelling my policies with XXXX and closing my escrow account with Pennymac, both companies are mishandling money and have not been quick to resolve this issue.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly XXXX! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance XXXX {$300.00}
Product: Credit card or prepaid card

I applied for a Wells Fargo Secured Credit card back in XX/XX/XXXX. During this time, I paid off my credit cards on time, and without problems. I came into Financial Hardship when I was unexpectedly let go from my job as a customer service representative at an insurance firm in XX/XX/XXXX. I was unemployed for 9 months, and because of the fees attached that naturally carry a snowball effect, I had incurred charge offs/late payments on my account. I was unemployed with no source of income, no government assistance and almost becoming homeless on numerous occasions until XX/XX/XXXX. Beginning from my first paycheck at my new job, I began paying off the balance that was incurred and increasing every month from XX/XX/XXXX to XX/XX/XXXX, which went up to a total of {$560.00}. When I began paying my account, I was notified that they had already closed my account several months before in XX/XX/XXXX. They did not notify me of this information. I had communicated with the bank to try and negotiate some sort of pause on the account so I could pay off and maintain the account when I had access to funds via employment. Beginning in XX/XX/XXXX I began gradually paying off my debt of {$560.00} until the debt was completely paid off in XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX. After trying to negotiate with Wells Fargo representatives to remove these late payment marks off of my account to no avail, I sent letters to all three of the main credit bureaus regarding this incident asking them to review my situation and to remove the late payment charge offs from this account. I sent all three bureaus letters in ( XX/XX/XXXX and XX/XX/XXXX ) demanding action to remove these late payments from my history be done. They did not take action, but only responded by stating they " reviewed my request ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX Balance : {$5600.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$62.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2800.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX {$2600.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$190.00XXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00}
Product: Credit reporting or other personal consumer reports

This is my another attempt to dispute the items in my credit file which resulted from a faulty credit reporting. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any items in my file that resulted from an incorrect credit report information, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3100.00} ========Equifax XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$23000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5100.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3100.00} XXXXXXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3100.00} ========XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXXXXXX XXXX XXXXate Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3100.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Debt collection

XXXX XXXX XXXX, Assignee of XXXX XXXX, XXXX Assignee of XXXX XXXX XXXX, XXXX, placed a wage garnishment on my salary, without appropriate notification. Furthermore, I did not open an account with First USA Bank, which is now owned by Chase. My identity was compromised and my social security number was used to fraudulently to open numerous accounts. I was initially sued in 2008, while away at training for the XXXX  XXXX XXXX XXXX. I was not able to defend myself for this allegation of owning money to this company. I was also never given the chance to dispute the validity of this account. They are required by law to produce documents, such as the original agreement. I spoke to XXXX XXXX at the XXXX XXXX and she was very rude and would not provide any information on rectifying this situation.
Product: Credit reporting or other personal consumer reports

DEAR XXXX, XXXX AND TRANSUNION, THE INACCURATE INFORMATION ON MY CONSUMER REPORT THAT I HAVE BEEN DISPUTING WITH YOUR COMPANY KEEPS COMING BACK " VERIFIED '' OR " UPDATED ''. EVERYTHING VERIFIED SHOULD BE UNDER OATH!!!! I HEREBY DEMAND YOUR COMPANY TO PROVIDE ME UNDER PENALTIES OF PERJURY PURSUANT TO 28 USC 1746 WITH THE FOLLOWING VERIFIED DOCUMENTARY EVIDENCE OF THE NAMES AND ADDRESSES OF THE PERSONS WHO YOU'VE DONE THE RE-INVESTIGATION WITH INCLUDING EXACT TIME AND DATES THE INVESTIGATIVE REPORT WAS DONE. PLEASE BE ADVISED FAILURE TO COMPLY WITH MY REQUEST SHALL PUT YOUR COMPANY IN LEGAL TROUBLE XXXX, XXXX XXXX ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

I have been paying on my student loan for 9 years, and recently noticed the total balance barely changed. Went to Navient website XX/XX/XXXX, and exported entire loan history to XXXX. Using the information provided I determined I 've been paying an average of 55 % interest since XX/XX/XXXX. 
I can not get any explanation with online tools and can not hold long periods of time on phone with automated system. Finally, appropriate email contacts are difficult to find or not published.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 XXXX XXXX started showing as past due on Transunion and XXXX. This account is used once a year and paid in full each time. I opened a dispute with both agencies. I also called XXXX XXXX who advised they did not report the account as past due at any time and that the account was always current and paid in full. The disputes concluded and the erroneous information removed from the report. In XXXX the same information came back and again was disputed with the same results, XXXX XXXX stating they didn't send it, ultimately dispute cleared the report. A year later now XXXX and the same ones are showing again. Called XXXX XXXX again and they indicate the account has never been past due and to file a dispute with the agencies and that the account was noted that there is an issue with the credit reporting agency reporting inaccurately. One time is an error, second time is a problem, third time is willfully mishandling the data. This gets reported and the score/report tanks XXXX points and then takes 30 days or more to address but shows instantly to the report only to be done so in error.
Product: Payday loan, title loan, or personal loan

Back in XX/XX/2022 I got XXXX XXXX I behind in payment I miss my first payment last mth and knw they Gon report it late too da credit bureau I had covld I was down fa 2 month so I was not ingonein them I was out n no work I wnt too pay and get bk on track
Product: Debt collection

Once again i am writing this complaint after trying to reconcile with your company. I have asked for the account to be permanently removed from my credit report. I have asked numerous time for the debt to be sent back to the original creditor. I have been going the reps on top of reps to getting this issue resolved. I have told PRA i do not want to work with a debt collector that i would rather resolved the issue with the original creditor. I am now asking for compensation of {$1000.00} do to this account having a negative impact on me. I'm asking for a full removal as i have already told PRA i am a victim of identity theft and that i don't know anything about this account
Product: Credit card or prepaid card

I and my sister have been receiving emails and text messages from multiple banks stating my credit card application has been approved. I have spoken to one bank and have more to call but worried my info was used to open more accounts that I dont know about. Per the email and text messages I received someone applied for a credit card in my name. This was not me.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 


XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$85.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My compliant is against XXXX/XXXX account # XXXX, date open XX/XX/2014, status closed and paid, {$0.00} balance. Back on the XXXX of XXXX I sent a letter to the mention company that the account had fraud charges and had to be removed as required by the Fair Credit Reporting Act. This company not even took the decency of marking or investigating my account once they received my dispute letter. They did not only disregard my letter but also a Federal Trade Commission Report that was included with the letter. I want my financial freedom back and if this company does not remove fraud related account from all 3 credit bureaus and provides me with deletion letter trough CFPB, I will take this case to court and let the judge decide this dispute. This is unfair business practices, negligence, and the list of violations can go on once I seat down with my lawyers. So Im using the CFPB as my last resource for the mentioned company to remove account from all 3 reports. Im attaching the letter I sent to them, the FTC report sent to them and also proof of fax that receive the documents. Thank you!
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the erroneous inclusion of certain accounts in my consumer report. It has come to my attention that these accounts were reported without my prior written consent, thus raising concerns about a potential infringement on my rights as per 15 USC 1681b, which governs the protection of consumer information and the necessity of obtaining consent prior to reporting. 

I wish to draw your attention to the fact that I have already taken the initiative of filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number, specifically XXXX. Furthermore, I have made multiple attempts to request the removal of these accounts from my report, only to receive unsolicited documents from the creditor. My primary concern lies with your credit reporting agencies, as it is your responsibility to ensure both accuracy and compliance in reporting. 

In accordance with the legal provisions under 15 USC 1681c-2, consumer reporting agencies are under an obligation to promptly block the reporting of any information that a consumer identifies as stemming from alleged identity theft. Thus, I respectfully request your adherence to this legal requirement and urge you to promptly eliminate the following accounts from my consumer report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX It is important to underscore that my dispute is not with the creditor ; rather, it pertains to the practices of your credit reporting agencies. I have not provided written consent for the reporting of these accounts, and I firmly believe that this constitutes a direct violation of my rights as outlined in the Fair Credit Reporting Act. 

I kindly request a thorough investigation into this matter, along with a prompt resolution. Additionally, I would appreciate written confirmation of the removal of the disputed accounts from my consumer report. 

I express my gratitude for your attention to this matter and your cooperation in resolving this dispute. Please regard this letter as my formal request to initiate the investigation process in accordance with my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I switched our home security services to XXXX. I was told the equipment could be paid monthly ( not by pulling our credit and placed on credit report ). The technician showed up for installation and I was told to sign contract. The contract was to pull my credit report for the equipment ( I was not happy about this b/c this was not what I was told prior to install ). The technician did not complete the job and outdoor camera never worked. I spoke with XXXX representative and we canceled all services the following business day, but reached out to technician next day ( he never responded ). XXXX sent email stating I was no longer liable for services or equipment and a technician was sent to uninstall the remaining equipment. I was sent notice from Citizens Pay that my application was not approved because the credit bureau was unable to verify my identity. ( XXXX misspelled my last name which was also misspelled on the account which I told technician ) I was then notified by all credit bureaus I had a new account opened in my name. I called XXXX and spoke with representative about the account being removed from my report. I was told I had to speak with credit bureau 's for removal. I disputed with all bureaus and each state " the account is verified ''. I tried reaching out to Citizens Pay only to get an automated message or XXXX. I can never speak to live a person and XXXX number given is no longer active. In short, the equipment was returned and service for XXXX canceled but the account still shows up on my credit report as active with a balance. Now I am having issues having this account removed from my credit report.