23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Due directly to COVID-19, financially my family were directly affected. I was able to close several creditor accounts and work out a payment plan. This was to avoid bankruptcy and hurting my credit. One creditor, XXXX XXXX who recently bought out bank, XXXXt is now my creditor with XXXX card card. XXXX XXXX XXXXt is the new creditor. Ive tried several times to work out a payment plan with XXXX XXXX but each month, XXXX XXXX would not offer me any assistance. Finally, in XX/XX/2021 XXXX XXXX agreed to a customer assistance program which I pay {$150.00} per month starting with XX/XX/2021 then every month thereafter. XXXX  XXXX continues to report negative information as to 30 and 60 days late to my card report. After filing a complaint with XXXX  on XX/XX/2021, XXXX XXXX in a letter, dated XX/XX/XXXX, XXXXagreed to remove the negativity of 30 an 60 day late reporting on my credit report. On XX/XX/2021 XXXX XXXX  again reported 30 day late on my credit report. I again filled another complaint with XXXX on XX/XX/2021 and awaiting a response. I also made complaint to you and with experain. On XX/XX/2021 experain completed their investigation and did not change the false, inaccurate and inaccurate reporting on my credit report. This is completely wrong and reckless investigating by experain. No changes to my credit report and experain has not performed a proper investigation. If so, with supporting documents sent, this inaccurate reporting would have been corrected by experain. I am now relying on you, XXXX XXXX and XXXX  to accurately correct this false, misleading and inaccurate reporting by XXXX XXXXXXXX and experain credit agency has not properly and lawfully investigated this damaging information on my credit report. Please see documents as to being in a customer assistance program, paying XXXX payment of {$150.00} on XX/XX/2021 then next payment taken by XXXX  XXXX directly on XX/XX/2021 then each month thereafter. Letter from XXXX  XXXX agreement to remove the 30 and 60 day negative reporting also attached. Also recently completed experain complaint I filed where they did nothing but agreed to what is obviously false and inaccurate negative reporting by XXXX XXXX but did not do Anything to assist.
Product: Debt collection

Good Afternoon, I understand that I owe a credit card balance to TD Bank. I am not disputing that. 
I am using a debt settlement company XXXX XXXX to assist in settling multiple credit accounts as I'm several thousand dollars in debt. 

I have informed TD Bank several times that XXXX XXXX will be handling everything and I have provided them with the contact information for that company. However, I am still getting calls every day. I have gotten calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ( two calls ) XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. I am always polite and just iterate that they have the correct contact information for XXXX XXXX. I mentioned that they shouldn't call me or to send me notices in the mail and even mentioned the act that they shouldn't call me repeatedly and the associate advised that it's her job- she's supposed to call to remind me about my debt and that she didn't know about an act preventing her from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitting a dispute against Experian credit reporting company. Based on their response to my last complaint where they say that I did not identify an issue which I did. They did not investigate my issue it's been submitted for dispute twice second time without my permission and in less than an hour I get a notification and response they do not actually have anybody looking into it so we're going to try to be specific again with Experian overall they should probably look at the uploads on my account for both XXXX and for XXXX and I will submit more documents. 
As far as XXXX my vehicle was stolen they made me purchase gap insurance prior and they claimed that my gap insurance expired and they've been attempting to Collect a debt.. my vehicle was not reported stolen until a week and a half after because they claimed they had repossessed it when in fact they hadn't and they did not know where it was. I had to wait in a week and a half to file a report for the theft and on the day they realized it had been stolen that immediately put it on my credit report as a charge off I'm wondering if experience getting a kickback from XXXX. I will submit legal documents. 
XXXX wireless they stated on my credit report that I paid in settlement. I did not my original bill was {$270.00} I closed my account with XXXX in XX/XX/2022. XXXX claims that they turned my phone 's off and waited till XXXX I have several emails from the company. Asking me to come back asking me for different amounts of money and basically patting the bill I sent this information in to Experian and it was ignored because you don't look at your uploads take them 3 to 5 days to upload so how you can respond or investigated dispute without the proof is absolutely amazing. amount that they claim that I owe I've also submitted that to Experian but you claim you don't have that either when I reached out to XXXX they transferred me to another company and when I attempted to contact them again they automatically transferred me to a debt collection company that they did not inform the credit companies that they had transferred me to the company that they transfer me to nce also did not report that they had the debt and they had added more to the bill for no evident explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this Collection off my credit report for months. I have sent in several disputes, and nothing has been done. I have sent in proof that I myself am submitting the request to have this removed. I have filed for a full file disclosure and never received it.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute an incorrect address that appears on my Experian credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 
Incorrect Address : XXXX po box XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file. 

As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed with Equifax these accounts do not belong to me. 


XXXX ) XXXX XXXX ( CLOSED ) Account Number XXXX XXXX Reported Balance {$220.00} Account Status NOT_MORE_THAN_FOUR_PAYMENTS_PAST_DUE Available Credit XXXX ) Collection Agency XXXX XXXX XXXX Balance Date XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX INDIVIDUAL_ACCOUNT Date Assigned XXXX XXXX XXXX  Account Number XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  ( CLOSED ) Account Number XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX XXXX XXXX  ( CLOSED ) Account Number XXXX XXXX Reported Balance {$0.00}
Product: Mortgage

We have a loan with this bank, we have not made one payment late since the inception of this loan. We are curious and uncertain as to why this bank has placed our account on a forbearance agreement. ( the second bank to do so, we have 2 rental investments, it is how we attain our sustenance ) This decision on their part, has hampered our ability to request and apply for a loan at a more favorable rate. It has stained our credit report. We are the Americans who are keeping the economy going during these times yet we were treated like yesterdays dirty laundry. 

We are very saddened to say we feel this bank is mishandling this pandemic and aiding the economy from moving forward. 

Please assist us
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint ID # XXXX. I received a letter from Transunion today dated XX/XX/2022 and I disagree with their letter. 
I have a freeze on my credit and I did not authorize none of those companies to do an inquiry. If you researched this you will see there was no authorization by me neither did I remove any freeze for these companies to do a credit check. 
Someone in Transunion is doing deceptive practices violating my credit by doing illegal inquiries. 
Furthermore, Transunion Fraudulent remove my credit freeze without my knowledge or permission and allow these companies to invade my privacy and confidentiality of my credit. 
Transunion is responsible for violating my credit security and committed fraud. And should be liable for breach. 
Again and again I never authorize any of those companies that Transunion allowed to invade my credit privacy as aforementioned to do any inquiries on my credit without my permission. 
Transunion is trying to coverup this violation. 
Furthermore there was a freeze so who lifted the freeze in Transunion. 
I will go to the news media if this matter is not taken seriously. 
CFPB Transunion is doing unfair deceptive and abusive practices authorizing companies into my credit reports. 
Who in Transunion lifted the freeze violated my rights by abusing credit inquiries without my knowledge or permission, May I point out this very important point that just came to mind to prove there is dishonesty and fraud with someone in Transunion. 
How come these inquiries are only done with Transunion and not on the XXXX or XXXX. 
I am going to the news media with this matter and this is serious breach of confidentiality with this credit bureau
Product: Checking or savings account

I had to open an account with chase bank back in XX/XX/XXXX, I EXPLAINED TO CHASE WHY I NEEDED A NEW ACCOUNT I HAD IDENTY THEFT PROBLEMS few months earlier that are not resolved & THAT IM CONCERNED FOR ACCOUNT SECURITY, I IMMEDIATELY HAD AN ISSUE WITH MY ACCOUNT I WAS GIVEN AN APOLOGY & AND NEW CARD WAS ISDUED I REQUESTED MY INFORMATION BE KEPT PRIVATE & PROTECTED WITH A NEW ACCOUNT NUMBER WHICH IT WAS NOT APPROVED? XXXX FORWARD I experienced more misinformation & QUESTIONABLE TRANACTIONS MADE WITH A TEMP CARD? WHICH WERE RESOLVED IN XX/XX/XXXX I WENT TO MAKE A CASH DEPOSIT INTO ATM & EVERY ATTEMPT I WIUKD RECEIVE AN ERROR MESSAGE TRANACTION NOT ALLOWED THEN I CALLED THE CUSTOMER SERVICE THE FOLLOWING DAY BECAUSE THEY WERE CLOSED THAT NIGHT WHEN I WAS ATTEMPTING TO MAKE A DEPOSIT. THE DEPOSIT WAS {$300.00} CASH IT WAS IMPORTANT TO KERP MY ACCOUNT FROM GOING NEGATIVE! WHEN I CONTACTED CHASE CUSTOMER SERVICE THEY INFORMED ME THEY DIDNT HAVE ANY INFORMATION TO WHY I WAS HAVING A PROBLEM WITH MY ACCOUNT THEY SUGGESTED TO GO INTO THE BRANCH, I WENT TO THE BRANCH TO MAKE A DEPOSIT AND YHEY COULD NOT TAKE MY DEPOSIT & THEY DIDNT HAVE SN ANSWER TO GIVE ME! SO I CALLED SEVERAL ORHER DEPARTMENTS CONCERNED ABOUT MY ACCOUNT WITH NO ANSWER TO WHY I COULD NOT MAKE DEPOSITS. I FINALLY RECEIVED INFORMATION MY ACCOUNT WAS CLOSED? I ASKED WHY I WAS TOLD IT HAD A NEGATIVE BALANCE FOR MORE THAN 60 days?? NEWS TO ME!! I USED MY ACCOUNT UP UNTIL XX/XX/XXXX IT WAS CLOSED ON XX/XX/XXXX? XXXX DAYS LATER I STILL DONT UNDERSTAND ONLY BECAUSE THE REASON I COULD NOT MAKE A DEPOSIT IT WAS BECAUSE MY ACCOUNT WAS ALREADY CLOSED & AND I WAS NOT INFORMED!! NOW TODAY I SPOKE TO A XXXX VERY RUDE IN THE RESTRICTIONS DEPARTMENT WHICH INFORMED ME THAT MY ACCOUNT WAS CLOSED OVER A DISPUTE?? I ASKED FOR MORE INFORMATION & DOCUMENTS TO CALIBRATE THE INFORMATION? I SAID MY ACVOUNT WAS CLOSED OVER A FRUAD DISPUTE ON MY ACCOUNT THAT I REQUESTED BE DISPUTED? I SAID YOU MAKING ZERO SENSE BECAUSE THE DISPUTES WERE MADE IN XXXX & THEY DID NOT MAKE A DECISION ON THESE DISPUTES UNTIL XX/XX/XXXX? ATTACHED ARE THE STATEMENTS FROM MY ACCOUNT SHOWING THE INFORMATION. I ALSO WAS TOLD THAT I PAY THE AMOUNT CHARGED OFF I WOULD ESTABLISH MY CHASE ACCOUNT? THE RUDE WOMAN IN THE RESTRICTIONS DEPARTMENT SAID I COULD NOT HAVE AN ACCOUNT WITH CHASE AGAIN!!?? I SAID WHY WOULD THIS DECISION BE MADE XXXX A DISPUTE? SHE HAD NO ANSWERS NO TIMELINE NO REAL INFORMATION!??? I WOULD LOVE AN EXPLANATION PLEASE THE TRUTH!!!
Product: Credit reporting or other personal consumer reports

XX/XX/23 According to the Fair Credit Reporting Act, Experian, the consumer reporting agency, has violated the following US codes pertaining to the removal of addresses on my, the consumer, credit report : 15 USC 1681. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Among that, they have also violated 15 USC 1681b -Permissible purposes of consumer reports ( 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, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have attempted to call and resolve this matter and was blatantly refused by multiple employees ( XXXX, XXXX, XXXX, & supervisor, XXXX ) Considering both the state ( Tennessee ) and Federal laws state that only one person must consent to a call being recorded, Experian records every phone call, therefore, I utilized my right to do the same. When I told XXXX was recording the conversation, XXXX said she did not consent to being recorded, even though Experian was also recording the call and that was confirmed via XXXX. She refused to honor my requests for the removal of 14 addresses that are unmailable from my credit report even after stating that she was violating the FCRA and multiple laws within that ( 15 USC 6802, 16 CFR 313.7, 15 USC 1681b, n, e, & c. ) She and I ended the call and I attempted to call Experian again to resolve this matter, only to find out that my phone number was flagged/ blocked and I was not allowed to complete the call. 

Also included in proof of claim will be a copy of my credit report, list of addresses that need to be removed, and call logs. I have audio files of the phone calls, but those need to be emailed in order to access them properly. Please let me know if you need any further information regarding this matter.
Product: Credit reporting or other personal consumer reports

I filled out a report with identity theft. Gov contacted XXXX about this matter numerous amount of times put fraud alert on my consumer report sent supporting documents but they refuse to actually investigate the matter accounts coming back verified and updated in 3 days were is a 30 day investigation should be done at this point I feel violated and my rights a being infringed upon i want all the disputed items removed from my credit file this has a financial burden on my livelihood and a XXXX  desperation to actually be treated like this in the united state
Product: Debt collection

I XXXX XXXX am filing a complaint against Radius Global Solutions ( XXXX ) for attempting to collect a debt that was not verified and validated. Radius Global Solutions has failed to properly verify the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692g. The FDCPA requires that debt collectors provide proper verification of the debt within five days of their initial communication with the consumer. Radius Global Solutions has not provided adequate verification of this debt, nor have they presented sufficient documentation to comply with the debt verification requirements as mandated by the law. Without this documentation, I can not validate this alleged debt. The debt collector should understand the law to make sure that I am not being violated. 

This is a matter of trying to make Radius Global Solutions verify or validate this debt. I am demanding that due to current violation this account be removed from my credit report as my alleged debt. This debt is not mine. To continue to report to my credit report is a violation under the FDCPA.
Product: Debt collection

This is the fourth time I am dealing with this fraudulent debt that roots from XXXX XXXX XXXX. Every single time, this invalid debt is taken up with XXXX XXXX XXXX and the collection agency they refer the debt to and every time, it is removed and this is the 4th time it has now posted to my account. I have correspondence sent to XXXX XXXX and the previous agency and the account was removed. Each time XXXX XXXX says this is an internal error and then refer me to the collection agency. This makes no sense and is there no protection for a consumer against fraudulent collection accounts? I do not have the hours of the day to sit on the phone with XXXX XXXX and the collections agency every time this comes up. This is ridiculous that consumers have no protection against these types of issues.
Product: Debt collection

Tried to get information to verify debt on XX/XX/2022 and I have not received any information stating that it was my debt owed. XXXX has not provided me any information to verify the debt belongs to me and I have no knowledge of the original creditor and what the debt is for.
Product: Debt collection

Have no idea what this debt is and was never notified of any debt or collections..my credit was at XXXX XXXX weeks ago. Please help if possible
Product: Credit card

Reinvestigation the follow up dispute... I am in dissagreement with the account listed below which still appears on my credit report even after your investigation.This account is hurting my ability to obtain credit..I would like this immediately re-investigated and the account removed/deleted ... The late payments are inaccurate and are highly injurious to my credit score... Please show proof of late payments in XXXX & XXXX XXXX..This inaccurate information falsely manipulates the statue of limitations.You failed to investigate this account properly and your neglect has violated my rights..I am demanding deletion of the following account.. 
XXXX Account name : CBNA  Account # XXXX XXXX Account name : BESTBUY/CBNA Account # XXXX XXXX  Account name : CBNA Account # XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous 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 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

I recently learned that there is negative information being reported on my consumer report without disclosure options extended from these companies to me, the consumer, nor does TransUnion have my written consent to be reporting the transactions listed by these companies on my consumer report : Account # XXXX XXXX  The Fair Credit Reporting Act and my consumer rights have been violated. The ten accounts listed above have violated my federally given consumer rights to PRIVACY amongst other things. All of these items are listed in the file that Transunion maintains under my social security number.

Upon reviewing a copy of my credit report with your agency, I challenge the accuracy, compliance and most importantly, the reportability, of these listings. All of these companies listed have violated FEDERAL LAW 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. TransUnion has aided these companies in violation of this Federal Law.

Simply put, this consumer law states the following A financial institution may not, directly, or indirectly, disclose to a non-affiliated public party any nonpublic personal information unless such financial institution gives the following disclosures : 1 ) The Financial Institution must let a consumer know they will disclose information to the non-affiliated third party.

2 ) The Financial Institution must give the consumer the opportunity before any information is initially disclosed to direct that the information may not be disclosed to such third party.

3 ) The Financial Institution must give the consumer an explanation so that the consumer can exercise the nondisclosure option. 

Am I to assume that TransUnion is affiliated with these credit card companies and banks? 

I have not given TransUnion permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately, my consumer and privacy rights are being violated. 

The aforementioned transactional history of the accounts above is to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. Furthermore, TransUnion is to be held accountable for {$1000.00} per violation of the FCRA.