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

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/17, I attempted to verify the status of a security freeze I have with TransUnion. I made 3 attempts to reach the Fraud Department, after the main customer service line told me I had to inquire through them. There is no option to check the status of an existing freeze without speaking with an agent. Each time I entered my case file number, I was either transferred to a line with a busy signal, or put on hold for about 5 minutes, then told by a recording to call back again later. 

I just want CFPB to know that TransUnion does not seem to have the capacity to be dealing with customers effectively who call on the phone. It was especially unnerving not to be able to get through to an agent in the Fraud department.
Subsequently, I have been able to go to freeze.transunion.com and find my freeze status there. This is a different website than I was given at the time I instituted the freeze. The other website still comes up, transunion.com/XXXX, but even after logging in, that website tells you it ca n't complete any action you try because of increased activity due to the XXXX hack.
Product: Credit reporting or other personal consumer reports

This complaint is to formally address the failure to properly investigate my disputes regarding inaccuracies in my credit report.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings. These actions harm consumers by allowing inaccurate or unverifiable information to persist on their credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   client  XXXX   XXXX  ( formerly  XXXX  ) is an identity theft victim. Someone used her information to apply for a credit card with  XXXX   XXXX   A  dispute of the application was submitted to  XXXX   XXXX   XXXX / XXXX / XXXX  certified mail with return receipt. In  XXXX   XXXX  a review of her credit reports was conducted and the  XXXX   XXXX  inquiry was still listed. Contact was made with  XXXX   XXXX  and we were advised that by  XXXX  the inquiry would be removed. A check of the credit report was done again in  XXXX   XXXX  and the  XXXX   XXXX  inquiry was still listed with  XXXX   XXXX . A formal dispute was sent electronically to  XXXX   XXXX   XXXX / XXXX / XXXX  ; as of  XXXX / XXXX / XXXX   XXXX   XXXX  confirmed  XXXX   XXXX  is reporting the inquiry as valid. At this point there are now several violations of the FCRA from Both  XXXX   XXXX  and  XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

I SENT DISPUTES IN 0VER 7 WEEKS AGO. THE ACCOUNTS WERE NOT PROPERLY VERIFIED, NOT DELETED AND ARE STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. THE ACCOUNTS THAT I WAS DISPUTING WERE INACCURATE AND NOT PROPERLY VERIFIED., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY. ( I DEMAND THAT THE ACCOUNTS BE DELETED BECAUSE THEY ARE SHOWING SEVERAL INACCURACIES IN REPORTING ON MY CONSUMER REPORT. HOW CAN THE SAME CREDITOR HAVE DIFFERENT INFORMATION AMONG 3 DIFFERENT CONSUMER AGENCIES? THEY CAN NOT, AND THIS A VIOLATION OF THE FCRA, AND ALL ACCOUNTS THAT ARE NOT VERIFIED AND NOT ACCURATE MUST BE DELETED AND BLOCKED FROM MY CONSUMER REPORT IMMEDIATELY. ) I HAVE COPIES OF THE INACCURACIES, AND IF THEY ARE NOT DELETED I WILL PROMOTLY START THE LITIGATION PROCESS THROUGH THE CFPB PORTAL AND A CONSUMER ATTORNEY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I ALSO HAVE LOANS WITH ( XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ) SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY WHICH IS INACCURTAE. I HAVE NEVER LATE ON ANY PAYMENT SINCE HAVING THESE LOANS. THE PAYMENTS NEED TO BE UPDATED TO NEVER LATE, OK, ON-TIME IN THE ENTIRE PAYMENT HISTORY. AGAIN, I WILL START LITIGATION IF THESE DATES ON THESE ACCOUNTS ARE NOT UPDATED TO PAID ON-TIME, NEVER LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have owned my property for 30 years. Upon my husbands death I had to file bankrupty once it was discharged the mortgage company refused to report it to the credit bureau stating it was bankrupty policy not to report accounts even though they had been discharged and have been in good standing for years.

I tried calling and was told even though this was 15 years ago it was their policy and there was no remedy for this. 
I called the credit bureaus and was directed back to the company which refused to help. 
The mortgage company is PHH Mortgage Services, XXXX XXXX XXXX, XXXX XXXX XXXX, Fl. 
XXXX XXXX XXXX. XXXX no is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed this account several times. The most recent times were XXXX XX/XX/XXXX XX/XX/XXXX. All 3 bureaus sent verified letters back, stating this account is reporting based on FCRA guidelines it is not reporting accurately. The FCRA gives company 30days I still have not received documents showing how this account was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I saw this debt on my credit report and have no idea what it is from. I have not taken out a payday loan in 2019 as it is claiming. I have not even had a regular bank account to do so. I also have lived at the same address for 6 years and have never received a letter or any other contact from Midwest Recovery Systems, stating that I even had this debt to begin with. It states that the account status is open yet I was not given a chance to validate this debt and believe the information from it is both false and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

charge-off with 3 different dates listed under " date of last activity '' Equifax XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX Based off that information provided I show a violation of my fair credit reporting rights on accurate reporting.
Product: Credit reporting or other personal consumer reports

PLEASE I'M BEGGING YOU TO UPDATE MY PERSONAL INFORMATION ON YOUR SYSTEM, IT'S BEEN A MONTHS THAT MY SCORES AND ACCOUNTS IS NOT SHOWING ON MY REPORT DUE TO THERE'S INACCURATE INFORMATION ON YOUR SYSTEM ON MY FILE. PLEASE TAKE AN ACTION WITH THIS MATTER.
Product: Debt collection

They keep calling me leaving no message I have no collections in debt I have paid off all old claims
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because XXXX XXXX XXXX XXXX, XXXX, Transunion, and XXXX has ignored my request for the documents their company used to to verify the account I have disputed. Being that they have gone past the 30 day point and can not verify this account, under Section 611 5.A of the FCRA- they are required to " promptly delete all information which can not be verified. '' that I am disputing. Please resolve this as soon as possible. Thank you!
Product: Credit reporting or other personal consumer reports

IRS canceled total amount of debt in XX/XX/2023. XXXX did not provide accounting ledgers.
Product: Credit reporting or other personal consumer reports

I sent in a letter to the bureau Transunion and XXXX on XX/XX/year>. My response back was not enough information to confirm my identification. So submit documents confirming my identification through my cabdriver complaint. Transuions response was they still need two forms of documentation. When in fact I submitted both time a copy of my drivers license, social security card and a bill. But I was given the response that the items I turned in was not good enough. So Im resending them again an affidavit letter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX in violation if the irs code Article and the CFPB also the FCRA and the fair debt reporting act all consideres charge off as a certificate if indebtness and that means the debt is treated as income and therefore eligible to be removed also I was never notified that the debt was in the status nor was given the opportunity to respond and that violates the FTC and FCRA Acts, I never recieved a 1099 C from the Credit union also it is clear even under title 15 1681 2 ( a ) b ii the charge off is a income and can not report on person credit therefore it must be removed also the company refuse to do due diligence and still wanting to charge me for everything yet on the reports the numbers are different again and the company should release me from any i debt Ness it also violates the XXXX XXXX codes and Federal guidelunes .....
Product: Credit reporting, credit repair services, or other personal consumer reports

Now that my loan was transferred, XXXX has not updated the credit reporting agencies with this information. The balance and date closed fields would need to be updated.
Product: Money transfer, virtual currency, or money service

Cash app disclosed information to about of peoples accounts and they havent unblocked me from using their account I had issues with my account and have not helped out with my situation they are not very helpful I want cash app to compensate me for this matter for not being able to use cash app for years and now that I find out there is a lawsuit for disclosing information to other people that is a huge violation of privacy so I want to be compensated for this I havent been on my account for years because they illegally banned me for some odd reason I want to get my account back but they are refusing to so I want to be compensated for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Your corporation is impeding me on being able to take care of my family by purchasing a home and a car for personal use by violating and invading my consumer right to privacy and furnishing inaccurate items on my consumer report without my consent or validation. I can not provide for my family and exercise my right to use my credit because my consumer report is my reputation with the banks in which I would like to do business. I believe that the law says that if you have had my documents for 30 days and are unable to validate or verify that these items need to be removed. I have provided the dispute multiple times and have a green receipt that bears your stamp further letting me know that you received my dispute more than 30 days ago. Please do what is right and remove these accounts so that I can move on with my life and continue to provide for my family. I believe that by law these accounts fall under the exclusion section of FCRA because they are consumer credit transactions that happened between myself and the corporation that made the report. Please respect my demands and my consumer right to privacy because I feel abused, embarrassed and violated with having these inaccurate items furnished without validation or consent. The pandemic has been tough enough for my family please dont be another obstacle.
Product: Debt collection

i have recently put a identity freeze on my report because of fraud there is an account in collection in Experian that is reporting in collection the creditor name is " XXXX XXXX '' i believe that this is in regards to a medical bill, but i have not seen any doctors this years. i tried calling Experian to let them know this but no one got back with me
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent copies of an identity theft affidavit ( with a police report and FTC report ), pertinent identity documents, and updated personal information to all 50 consumer reporting companies listed on the CFPB website ( using certified mail and spending over {$200.00} ). Each letter sent also included a full-file disclosure request and an extended fraud alert request. The National Consumer Telecom and Utilities Exchange ( NCTUE ) was one of the 50 consumer reporting companies I sent a letter to. NCTUE responded with a letter ( dated XX/XX/XXXX ) notifying me that they placed an extended fraud alert and updated my file. This letter showed my updated address and correct hyphenated name. 
On XX/XX/XXXX, I placed a security freeze on my NCTUE file ( following potential bank fraud I experienced two weeks ago ). The address on the security freeze confirmation document shows my former address in New Jersey and my non-hyphenated maiden name. 
ALL DOCUMENTS AVAILABLE UPON REQUEST.
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So, I'd like your bureau to UPDATE AND CORRECT the status of my accounts below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be completely examined. In spite of my endeavors, I still can't seem to get any goal or remedial activity. These incorrect records are seriously harming my credit document and obstructing my capacity to carry on with a typical life. The adverse consequences of these errors have caused massive difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on at the earliest opportunity. I benevolently demand that you lead a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the precision and uprightness of my credit record so I might recover command over my monetary prosperity. I genuinely ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> XX/XX/year>, and XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXXXXXX XXXX XXXX XXXX {$8300.00} these debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. they furnished these account that we didnt agree upon and i didnt sign an agreement on a legal contract is signed by two parties and i did not participate in any of it more so they didnt follow the proper 5 step vaildation procedure which make this unfair practices. according to the FDCPA im entitled to {$1000.00} dollars. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services or money ; and, was successful in creating some accounts all is being investyigated by the ftc
Product: Credit reporting or other personal consumer reports

I am writing to request a correction to my credit file maintained by your bureau. Upon reviewing my credit report, I have identified an error in the personal information reported, specifically regarding my date of birth. 

Currently, my date of birth is listed as XX/XX/year>. However, this information is incorrect. My correct date of birth is XX/XX/year>. This error may have significant implications on my ability to obtain credit and financial services, as accurate personal information is crucial for lenders and creditors to assess creditworthiness. 

Enclosed, please find a copy of my identification card and social security number for verification purposes. I kindly request that you promptly update my credit file to reflect the accurate information provided. 

I understand that accuracy and integrity are essential components of the credit reporting process, and I appreciate your attention to this matter. Please confirm in writing once the necessary corrections have been made to my credit file. 

If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX do hereby request that your office provide me with complete documentation to verify and validate the account referenced.

As I want to resolve this matter as soon as possible, I am initiating this private, administrative remedy to determine such matters, predicated upon your proof of claim. The necessary Proofs of Claim are set out below, to wit : 1. A contract between Chex Systems , Inc and XXXX XXXX XXXX XXXX Who in your company verified these accounts? 
3. How did they verify them?

4. Please provide me with the name of the individual, business address of the person or business contacted during your re investigation.

5. Include the documentation that was used to verify the dispute