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

TransUnion allowed several companies access to my consumer report with authorization from me. What purpose did these companies have to pull my consumer report? I have did no business with these companies and did not give them permission to pull my consumer report which means Transunion failed to follow federal law which requires companies to have a purpose to pull consumers reports. I request TransUnion to provide me with the documents that has my wet ink signature that states I did allow these companies to pull my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
Product: Debt collection

XXXX XXXX XXXX Assignee of XXXX XXXX send a letter on XX/XX/XXXX to me and my employer. The letter said they want to collect the amount of {$2900.00} from my salary. The credit card with this bank was close in XX/XX/XXXX. I believe this is an unfair action and I am very disappoint because I never receive any letter prior from XXXX or the court letting know about any issues.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from an alleged inaccurate reporting but I still have INQUIRIES left that needed to be removed. I was a victim of inaccurate reporting and this is another request to remove the inquiries from my credit file resulting from alleged inaccurate reporting. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after the XX/XX/XXXX. Ive already included this issue in my previous letter & I am including it again with a new FTC report XXXX. Also, the information you provided on these inquiries is UNKNOWN to me and was REMOVED from other bureaus and I have doubts about their accuracy. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This complaint is to notify you if you do not REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your LAST NOTICE. Please REMOVE the INQUIRIES resulting from alleged inaccurate reporting.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX # XXXX XXXX  - XXXX XXXX  # XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 Section 602 : A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2 : 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 the 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 or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX : Account number : XXXX, -. Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. 

XXXX : Account number : XXXX, -. Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. 

XXXX  XXXX : Account number : XXXX, -. Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. 

XXXX XXXX XXXX : Account number : XXXX, -. Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. 



Sincerely, XXXX XXXX
Product: Checking or savings account

I have opened a First Horizon Biz essentials checking account on XX/XX/year> in brach using a promo code of {$800.00}. I have completed all the conditions of promotion on XX/XX/year> but the promo amount of {$800.00} has not yet been deposited by the bank. I have been in touch with the banker XXXX who helped me open the account and applied the promotion and she has escalated this matter to the research team. Its been more than a month following up for this but the same is not getting resolved
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX 2023, I faced harassment and loss of value of currency at the hands of XXXX ( State Bank of India ) 's branch in New York, NY. As is stated in many sources, and likely in XXXX 's literature itself, XXXX converts XXXX notes into other notes that will not cease to have value after XX/XX/XXXX. The only case where they may not be guaranteed to do so under the direction of the XXXX could be when 10 or more notes in a single day are presented for conversion/deposit/foreign currency conversion. In my case, it would have sufficed to receive either of U.S. currency or " XXXX '' notes or perhaps anything similar in exchange for a single XXXX I presented to XXXX on XX/XX/XXXX. 

However, a wicked and disgusting man at XXXX told me to convert such note in XXXX instead. Such man gave me blatantly false information that they " only deal in dollars '' when they do not. 

Based upon these events, I demand that XXXX send to me a check in the amount of {$25.00}, which is the approximate amount of the " XXXX '' note they have refused to convert. If they do not, aside from the fact I reserve all rights, I direct the CFPB to shut down entirely all of XXXX 's physical branches and activities in the state of New York. 

I also direct the CFPB to forcibly and permanently eject the man, who directed me to go a far away country to do his job for him, from the United States, so that he can not tell people he doesn't like to leave the United States.
Product: Credit reporting

I disputed a debt with XXXX XXXX and they filed a lawsuit, lawsuit was dismissed by a Maryland State Judge, yet the information is still showing in my credit report. Once a Judge dismissed the case, the debt is over, the Court says I do n't have a to pay it. Further, every XXXX years XXXX has been submitting " write off '' in an attempt to keep the debt active. MY reading of the data on the internet says that this is illegal. I have lost many jobs and Experian, XXXX and XXXX refuse to update this case. This has been going on since 2008! ( Case Dismissal is attached )
Product: Credit reporting or other personal consumer reports

I have a have inaccurate accounts on my credit report and I need it remove, by law all the accounts must be accurate with the same info. Experian, XXXX removed/changed some accounts this cause inaccurate info on my credit report, what I need remove. 

I need all the accounts that I provided in the ( ATTACH DOCUMENT TAB ) REMOVED
Product: Credit card

Kindly examine the attached documents. I urge the bureau to start an investigation into these accounts, as they erroneously label me as late, which is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX  account # XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have notified cons to stop calling my place of work twice. I legally cam not speak on our recorded line regarding debt collection and I notified the representative to stop calling my place of work. This notification was on Friday XX/XX/20. Since then, I have received 5 calls from them at work. 3 of the calls were made to me on monday. So they not only wont stop calling ... but they're calling more than once in a day.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Duplicate Student Loan Accounts on Credit Report TransUnion Dear CFPB, I am writing to formally dispute duplicate entries of student loan accounts on my TransUnion credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Specifically, my credit report shows XXXX accounts listed as : Dept of ED/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts represent the same loan, as confirmed in correspondence from XXXX. XXXX has explicitly stated that it acquired the servicing of this loan from XXXX XXXX, as per the letter I have attached. This demonstrates that the reporting of XXXX separate accounts is inaccurate and misleading, which violates the FCRA 's requirements for accurate and fair reporting of credit information. 

Per Section 1681e ( b ) of the FCRA, consumer reporting agencies are required to adopt reasonable procedures to ensure maximum possible accuracy of the information they report. The duplication of this account fails to meet that standard. 

To resolve this matter, I request that TransUnion : Remove XXXX of the duplicate entries from my credit report. 
Ensure that only the active and correct account with XXXX is reported. 
I have attached the XXXX letter for your review, which confirms the transition of the loan servicing from XXXX XXXX to XXXX. 

Please investigate this matter and provide me with a resolution. I would appreciate a written confirmation from TransUnion once the correction has been made. 

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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to REMOVE these inaccurate accounts in my file. 
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 XXXXXX/XX/year>
Product: Credit card or prepaid card

I have been charged a " minimum interest charge '' on my account even though I paid the entire amount ( actually rounded up I paid above the full amount ) onXX/XX/XXXX when the due date wasXX/XX/XXXX. I paid my account above in full 22 days early and I am still being charged some fee called " minimum interest charge ''. Additionally, there is not even a bill created that shows this fee. I am attaching screen prints of my transactions, statement balance and proof of no statement. This bank, Comenity, is in the wrong. Additionally, their customer service has disconnected me twice while trying to resolve this issue and have this illegitimate fee removed from my account.
Product: Debt collection

the collection company contacted me with XXXX % debt reduction offer for payment if made by XX/XX/2016. I sent the check that was dated XX/XX/2016. 

they contacted me again on XX/XX/XXXX ( after a whole month ) to say that they have not rcvd the check on XX/XX/XXXX but on XX/XX/XXXX hence the XXXX % offer is not valid and they are requesting the remaining XXXX %. 

Also, the collection company did not report to credit bureau that i paid the XXXX % or that by their offer that dept should no longer exist. 

since I did n't send my check via register mail, it 's their word against mine. i did try to reason with the person i talked to that 1 day should by acceptable for error margin but they refused.
Product: Debt collection

I have a collections account on my file that I have never done business with from I C SYSTEM INC # XXXX. I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I got a notification from my ID protection with XXXX that an inquiry for credit with XXXX card had been made. I never applied for credit with XXXX. I immediately called XXXX, which cancelled the application. They sent me a letter stating they will request the credit agencies to remove the inquiry. After several more calls to the credit agency and XXXX the inquiry has not been removed. XXXX and the credit agency is blaming the other for it still not being removed. Equifax and XXXX are the only two showing the inquiry. Equifax state they do not accept inquiry disputes from consumers. They refuse to accept the letter XXXX XXXX sent to me. As of today, XX/XX/219 I'm continuing to have an issue with this, I'm ready to buy a car but the inquiry is causing me to be one point  from getting a top tier interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX late payment report is incorrect, called creditor and spoke with a representative, I was told to dispute the late payment and that they would correct the issue with all 3 credit bureaus. 

XX/XX/XXXX - Followed up with supreme solutions ( creditor ) and was told the same information by a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for the opportunity to explain the late payments and issues on my credit report. 

In XX/XX/XXXX, after a lot of hardwork I was blessed to be able to purchase a home in XXXX XXXX, XXXX for my daughter. 

From the time of purchase up to the beginning of COVID my daughter either paid her mortgage to me ( usually by transferring from her XXXX account to mine or by XXXX ). I would then pay the mortgage via XXXX XXXX. Within a month of COVID ; however, my daughter lost her job. After using the few months pay shed saved, the mortgage became my responsibility. Not just because the loan is in my name, but because as her Mom it was my responsibility. 

Then, not to get too personal, in the midst of COVID ( XXXX ) and her job loss, I found out my then husband was having an affair with an XXXX driver after only 5 months of marriage ( cant make this up ) AND hed lost his job, leaving the mortgage on the home I shared with him as my responsibility, as well as, all household expenses for both houses. 

So at this point, Im paying two mortgages, two car notes, utilities in two houses and credit cards for each of us on top of dealing with what ended up being the beginning of the end of my marriage. 

I eventually separated from my husband in XX/XX/XXXX. My divorce was final in XX/XX/XXXX. 
Prior to my life turning upside down ( XXXX ) Id accepted a position below my previous level of pay to reduce the stress in my life but, after trying to carry two households on that salary through XXXX and part of XXXX ( where most of the late payments occurred ) I was forced to take on multiple full-time jobs to support my family. 

I am quite aware that the late payments are horribly reflection of creditworthiness, but I do want to point out that throughout all of the above episodes, I may have paid late many, many times, but my family remained in our homes, our cars were not repossessed, our utilities stayed on and there are no charge offs on either of our credit. I did this after speaking with all of my creditors, explaining the issue to them and letting them know I would try my best to keep paying all my bills. 

ON TOP of all that XXXX XXXX XXXX XXXX and the XXXX XXXX Police notified me in XX/XX/XXXX that someone had come into the XXXXXXXX XXXX XXXXranch with fake id 's and my lost debit card attempting to withdraw money from my bank account. I live in XXXX. I have been working with the police in both XXXX and XXXX to try to get a small mountain of identity theft items resolved that I was not even aware of until they contacted me! 

I have emailed each of them asking that they honor their word and remove late payments under the CARES Act to no avail. I need the help of CFPB. I am exhausted at this point. Had I know I'd get treated just like someone who didn't pay at all, I wouldn't have killed myself trying to not let anything fall behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; SYNCBBP XXXX XXXX XXXX XXXX XXXX MCYDSNB XXXX SYNCB/AMAZ XXXX SYNCB/LOWE XXXX SYNCB/STSH XXXX SYNCBBP XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
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, NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$150.00} XXXX  XXXX Balance : {$46000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$4600.00} XXXX XXXXXXXX XXXX Balance : {$47.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$47000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$4600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX Balance : {$46000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXBalance : {$4600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

I had a My rtgage with Wells Fargo that foreclosed in 2009, it was supposed to be removed from my cr fit reports last year, but regardless of opening complaints with all three credit bureaus it 's still showing