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

I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding TransUnions failure to accurately report my personal information. My correct legal name is XXXX XXXX XXXX XXXX, yet TransUnion has incorrectly listed a name variation as XXXX XXXX. I request that TransUnion update its records to reflect my full and accurate name as shown on the proof of identity I provided. 

Additionally, my correct address is XXXX XXXX XXXX XXXX  NJ XXXX, but TransUnion has incorrectly listed it as XXXX XXXX XXXX XXXX. I request that TransUnion remove the incorrect " XXXX '' and ensure my address appears exactly as it does on my drivers license and utility bill, which serve as proof of my residence. Furthermore, the following address is not mine and should be removed from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

TransUnion has also reported incorrect employer information. The listing XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX is inaccurate. My correct employer is XXXX XXXX XXXX XXXX, and I request that TransUnion update this information accordingly. 

TransUnions failure to maintain the maximum possible accuracy in my credit report violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ). I expect TransUnion to comply with this requirement and update my report accordingly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168XXXX. 


I told Experian and XXXX to reinvestigate these accounts! 
XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX Account # XXXX Re : Cease and Desist Request To Whom It May Concern, I am writing to formally request that you cease and desist from any further communication or collection attempts regarding the alleged debt referenced in your records under my name. Please consider this letter as a formal request under the Fair Debt Collection Practices Act ( FDCPA ), which requires that all further collection efforts be halted. 
Please be advised that I do not wish to receive any phone calls, letters, or other forms of communication from your office regarding this matter, as I am exercising my right to request that you stop contacting me about this alleged debt. 
If you are attempting to collect a debt, please provide me with the following information : 1. A copy of the original agreement or contract.

2. The name of the creditor to whom the debt is owed.

3. A complete accounting of the amount owed, including any interest or fees.

Please ensure that you honor this request and confirm in writing that all further communication will cease. Failure to comply with my request may result in further legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Around 2 months I began receiving 10+ calls a day from an unrecognized phone number. Everytime they left messages and did not describe anything meaningful about any debt or anything. After searching the phone number online, it was marked as FRAUD and a SCAM collection agency bait company. So I blocked the phone number like any normal person would do, after receiving so many harrasing phone calls [ 10+ calls a day for a month ] each with a voicemail which further filled up my voice mail and did not allow other people to contact me via voicemail message. 

Then yesterday I receive a letter in the mail from another company, which says I owe {$1300.00} for the city of XXXX XXXX office of finance business tax. This raised many red flags as, the XXXX XXXX office of finance would first mail XXXX  business a past due tax balance if they believed there was a past due balance owed. I have not received any prior communication from the XXXX XXXX XXXX regarding any balance due on XXXX business tax account and pay such each year. Then the collection letter does not describe any real account number or verifying information to verify or locate or understand the debt they try to wrongfully collect. There is nothing contained in this collection letter that relates or correlates with XXXX XXXXXXXX XXXX XXXX tax account number or any other identifying information in order to verify such. 

Then the collection letter does NOT contain the legal language required by law. it does not explain my rights to dispute the debt, or verify the debt. it only says to pay the debt owed to them directly. By law this collection letter should have a paragraph which gives the person receiving it information regarding their rights to dispute and verify the debt. 
There is also no contact information given in order to dispute the debt with the collection agency, but rather only a link to make a payment. 

This is an illegal and fraudulent collection agency that uses illegal tactics to steal money from consumers and people who do not understand their rights and laws during this time. This company needs state ( CA and IL ) and federal investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 USC 1681. Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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 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 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
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are still reporting this account as delinquent. I have received a 1099c from the IRS that XXXX filed that shows the debt was canceled.. I want this information to reflect on my credit filing with the credit monitoring companies. My credit scores are being.negatively affected by this information.
Product: Money transfer, virtual currency, or money service

This person scammed me into sending them a payment for a dog I did not receive. I cant believe someone would do this to someone else its the worst thing you can do. They sent me a legit contract and we made an agreement they asked me questions, I even submitted an application. They completely lied about who they are and what they do. They need to be shut down they are running a complete scam illegally on this website please shut them down they are lying about everything. I contacted CitizensBank to request my money back which is when I used to send the money to this fraudulent person. I let them know that this was a scam and then I would like to request my money back and they refuse to give me back my money.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX # XXXX, has violated my rights. 


I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor did not notify me 21 days before with a statement, so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this is clearly a billing error. The items below are reporting late on my consumer report and should all be updated to PAANL  ( paid as agreed never late ) on my consumer report : 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,. As a consumer, by law the account in this letter must be updated immediately because Ive been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. Please update my credit report to PAANL  ( Paid as agreed never late ).
Product: Credit reporting, credit repair services, or other personal consumer reports

DR XXXX XXXX sold my medical information and violated my HIPPA rights to the company XXXX XXXX XXXX. 

Also Experian is still reporting this information despite a violation of my HIPPA rights. 

None of this debt has been validated.
Product: Mortgage

The loan servicing company called XXXX, took over my VA loan, they have screwed it up ever since they have had it, making threats, false statements, failing to conduct an LPO/Audit and Fraud. 

There parent company is Servis One , Inc another fraudulent company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my credit reports since XX/XX/XXXX. I filed a Chapter BK in XXXX of XXXX and it was discharged in XXXX. 

XXXX  has removed 90 % of my history. I had to send a XXXX page fax proving my identity. I still can not access my report. 

TransUnion also has identity issues but I can get to a partial report online. 

XXXX also has me blocked from obtaining my report even after uploading on my phone to the representative who said I would be able to access. 

I have had a 160 point drop in my score. I have been denied PPP, FEMA and SBA assistance and nobody will disclose why. 

I had no issues with my Covid tax stimulus or IRS Tax return but in XXXX when my score dropped, and XXXX  removed most all of my history I can not access ID.me for the IRS, SSA, and I have not gotten my unemployment credit not advanced child tax credit payments. 

I have a medical collection bill that was paid in full by XXXX XXXX XXXX XXXXXXXX XXXX XXXX that was sold to collections for {$250.00} and never got a bill. I have been working with two debit collectors, the insurance and medicaid. Every month its worse.

Multiple debt collectors discharged in BK in XXXX are reporting discharged debt and selling to new collectors. 



I need help.
Product: Credit reporting or other personal consumer reports

I recently reviewed my TransUnion credit report and discovered several unauthorized accounts and inquiries. I am a victim of identity theft, and I did not authorize these accounts or inquiries. 

Fraudulent Accounts Listed on TransUnion : 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 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 and inquiries were not authorized by me, and they have negatively impacted my credit score.
Product: Credit reporting

Experian fails to remove the XXXX account. Experian reports incorrectly the current Date of Status. Experian reports incorrectly that this account is past due. Experian reports incorrectly that this account has a credit line of {$40000.00} and yet my debt is above the credit line which causes me to go 990 % above authorized usage. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Mortgage

On XX/XX/2020, I filled out my request for mortgage forbearance through the CARES Act on my mortgage loan servicer 's website due to the impact of COVID-19 on  my income. My loan servicer is Rushmore Loan. Earlier this year, I had received a forbearance but that ended. However, my situation has not improved and I need additional assistance through the CARES Act Covid-19 assistance. The loan servicer told me today on XX/XX/2020 that I have to fill out a package for assistance which is false. The CARES Act says we do not have to fill out any type of package for assistance that is needed due to COVID-19 impact. Because Rushmore refuses to provide me with assistance I have no choice but to file a complaint with the consumer finance bureau so they can be forced to comply with the law. Please help me.
Product: Credit reporting or other personal consumer reports

I have hard inquiries from XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX I have reached out to all companies closed accounts and sent information to all 3 credit bureaus they refused to remove false information which is destroying my livelihood, I also have placed fraud protection on my report and they refused to help
Product: Credit reporting, credit repair services, or other personal consumer reports

Frankly the credit reporting is a total farce. They never resolve and always take the lenses position. Humiliating and attempts leave nothing but legal action. Here is there last report. They refuse to accept my input stating it's resolved! IT IS NOT AND NEVER IS!!!!!
Product: Consumer Loan

I have an installment loan with Loan Depot. They do not send a monthly statement to inform me of how my payments are applied. When I view my account information on line there is no information as to the balance of the account after payments have been processed. In addition, the payment is auto drafted from my account on the XXXX of every month by Loan Depot ; however, they do not apply the payment until the XXXX of the month according to what they do post on line. 

I have tried to contact them and get passed around and no one will answer my questions. The last person I spoke to told me to call back and he would help me if no one else would. I left him a message and he did not return my call so I still do not know how much is left on my loan, how it is being applied, and why it is not processed when they take the funds from my account. I also do not understand why they do not send me a monthly statement.
Product: Credit reporting or other personal consumer reports

I sent a letter to three bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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