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

Subject : Follow-Up Complaint Regarding Verification of Fraudulent Account To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of TRANSUNION to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), TRANSUNION has claimed that the disputed accounts have been " verified. '' The following fraudulent account remain on my credit report, which I have previously identified as resulting from identity theft : XXXX. XXXX. XXXX FIN : XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented. 
15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of [ Credit Bureau Name ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights.

I request that the CFPB investigate this matter further and take necessary actions to ensure that this account are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX/XXXX/XXXX  XXXX XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

i have sent in ftc and done numerous disputes to accts that are not mine i want these removed please
Product: Credit reporting or other personal consumer reports

I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I spoke to XXXX from American Express ID number XXXX A payment that was due on XX/XX/XXXX the payment was made on XX/XX/XXXX which wasnt 30 days late. We need the 30 late removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ PROF DEBT # XXXX, XXXX XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is re-aging debt on my credit reports. After a filing disputes with several credit bureaus the company continues to report several account open dates as the dates they acquired the debts from the original creditors, therefore extending the purge from date on a derogatory account changing it to be more current than the date of the original default, resulting in the account hanging on my credit reports longer than allowed under the law. Per FCRA, any changing of the date of first delinquency, the date of default, or the purge from date on an account is illegal. I have attached all the documents they have sent further proving that the action they keep performing is illegally re-aging a debt.
Product: Vehicle loan or lease

With Corona virus I deferred my payments for three month..they are charging me XXXX $ a day ... that's is over a car payment how is that helping through this time ....?
Product: Credit reporting 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 appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balanced {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to officially contest a series of errors, discrepancies, and unfamiliar accounts that have emerged on my credit report. After a thorough examination of the information provided by your agency, Please see attached letters for the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ( Original Creditor : 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 and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the two Bureaus, Transunion and XXXX.
Product: Credit reporting, credit repair services, 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 u.s.c 1681 has violated. 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 right to privacy. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To this day over 30 days later I have not received a response yet. I feel as if im being taken advantage of and being ignored by my disputes. Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC and would like these above referenced accounts to disappear FAST!

according to the LAW 15 USC 1292J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to US BANK for not taking actions of these unauthorized inquiries reporting in my credit reports. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00}. 
I have contacted these companies and these actions were initiated without any proof of the companies reporting. These inquiries are not factual since I never authorized them. I have attached the FTC report with the report number XXXX to support this complaint.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete from my credit report. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


6. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 


7. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account.. 


9. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete from my credit report. 


11. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete from my credit report. 


12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


13. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 


14. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax still has n't updated my file even after XXXX XXXX XXXX XXXX has reported to them that the debt has been paid. They sent me a letter stating that the balance has bee paid. Requesting you help since I 'm approved to purchase a home through a lender which is effecting my score. 
The account number is XXXX at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I am being hit with a hard pull inquiry from XXXX XXXXXXXX on XX/XX/XXXX. This never happened and I never gave anyone authorization. For months now I have been trying to get this thing resolved. I was told write XXXX  XXXX letters which i did and write each credit reporting agency letters which I did also. It seems to me from talking to them on XX/XX/XXXX they are mixing up my XXXX  XXXX card that I have opened with whomever tried to open up a new card and gave them inaccurate information. This investigation has been way over XXXX days multiple times now. I have sent letters and called XXXX  XXXX, transunion, XXXX, and XXXX. It just keeps going around in a circle. : (
Product: Credit reporting, credit repair services, or other personal consumer reports

I began working on my credit a couple of years ago at which time I had to go through debt and sort it out. So one of the things I was able to get off the report was a XXXX XXXX do that was very old and not accurate. Somehow after having a clear report for at least a year it shows up under the name XXXX for the same debt. It is a closed account but has been taking care of a couple of times. I would just like to have it removed.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX - Is not fixing the Dispute as I requested on several of my Credit card accounts. 


I DID NOT DISPUTE THE ACCOUNTS, and Yet The Statement : " Consumer Disputes This Account '' is on several Credit Card Accounts ; XXXX and XXXX XXXX and others.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I went into XXXX XXXX Car dealer in XXXX XXXX, Alabama to inquire about leasing a XXXX, after lengthy conversation With salesman ... decided to try for one and was told it would only require 1 credit pull ... as I waited to see I started getting multiple alerts that my credit was being pulled, went into sales office and asked what was going on and was informed they turned down the lease and they were running my credit with lenders for purchase ... I was furious as I did not ask nor want that ... I never signed or filled out an app for purchase nor did unauthorized any type of credit pulls for this, sales said they just thought I would want this and admitted fault ... said they would reverse the inquiries but have not done it yet... They had no buisness playing with my social this way and asked me to leave there buisness when I busted them on it... there is nothing in the form of paper work as I signed nothing
Product: Checking or savings account

I recently deposited two checks from the same company into my Chase checking account. The checks were both from a company that Chase partners with to handle retirement/401k accounts. Upon depositing the checks ( which were both for small amounts ) the bill XXXX smaller one was immediately available and the other one was placed on hold for 10 days which they claim will be available tomorrow and they didnt make half of the check available which is what usually happens when check are held. However two payments came out of my account and I was charged two NSFs of {$34.00} for not having the funds when I in fact do but Chase will not make them available. I feel like this company is trying to rob me, the consumer, with unfair banking practices. My account also shows that I have a balance even though they are holding my funds for no reason. Also they are violating 15 USC 1602 ( p ) by having unauthorized use of my credit and issuing me a debit card to which I receive no benefit, I am not even able to access my own money. I tried to handle this issue with Chase and all I was told was how to avoid overdraft fees when I already know plus I have overdraft protection turned off so things should not come out of my account if there are no funds anyway. They also referred me to look at funds availability which does not explain why they have to hold a check for a small amount for so long.
Product: Credit reporting or other personal consumer reports

I have rights that were enacted by the FRCA, XXXX and the Privacy Act are in violation by the unaffiliated XXXX party credit companies this complaint is going to. For items that have been placed on my credit report. I have included the documents to this file. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of XXXX XXXX and a crime. If the proper recordings matching the letters are not rectified within 14 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. 
I will take this to federal court to seek the highest claim of the Federal Reserve XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called both Experian and XXXX XXXX XXXX  about my Credit report. I received notification today that someone has opened or in the process of opening either a bank account or credit card in my name. It is NOT ME. I am a victim of Identity Theft! I couldnt get Experian on the phone but I have put a security freeze on my account but any and all information concerning this fraudulent account needs to be blocked. I didnt authorize XXXX  to pull my credit report and would like them also to remove this fraudulent information IMMEDIATELY.
Product: Checking or savings account

I received ssi in XXXX. They deposited money into Comerica. I was supposed to be given a direct express debit. I have not yet received it. Over {$1100.00} is sitting with them and they won't release. They just give me the runaround
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate information to my credit report about a public record that is a bankruptcy. I have spoken to US Bankruptcy Court, The Western District of Louisiana and they stated that they did not give any permission to report this information.
Product: Credit reporting

My report said I have a mortgage loan n a car loan out n I have neither
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am submitting this complaint because Trans Union will not help me. I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and my recent credit report. I am writing to request that you enforce Trans union to place an immediate block on the following fraudulent information in my credit file within XXXX  days upon receipt of this correspondence. 

Account name : XXXX XXXX XXXX Account number : XXXX Inquiries : name : XXXX  date : XX/XX/XXXX name : XXXX XXXX A XXXX name : XXXX XXXX  XXXX : XX/XX/XXXX name : XXXX  date : XX/XX/XXXX name : XXXX XXXX  XXXX : XX/XX/XXXX name : XXXX date : XX/XX/XXXX name : XXXX XXXX XXXX : XX/XX/XXXX name : XXXX XXXX  XXXX : XX/XX/XXXX I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my Trans union credit file. As you can see in my credit reports XXXX and XXXX have deleted and blocked this fraudulent account that was opened in my name. In fact, I did not send a regular dispute, I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per section 605B where it requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher of that information And also sections 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file. Thank you