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

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

HI This is XXXX, I am using Macy 's credit card. I had a payment due, which was to be paid by XXXX XXXX account by autopay. I paid money by XXXX XXXX XXXX account due to less balance in XXXX and it was done by autopay only. Their system didn't cancel payment from XXXX. Even after all payment done, Macy ; s credit card was trying to get momey from XXXX. I got a mail today and checked my XXXX account and there was balance of XXXX due to Macy ; s system trying to get money. I talked to MAcy 5 days back and they said, they got extra money and will send my check of that. How come a credit card company, with XXXX balance trying to get money, Big system failure I want Macy to reimburse me for charges done by XXXX. 
Top of it Macy already charged my XXXX dollar for bank refusal, well there was XXXX balance on my card.
Product: Credit reporting or other personal consumer reports

Requesting payment ledger, and total account contractual agreement of services paid, account details and premiums paid for. They claim I underpaid, late, and charged off the account even though I paid the balance remainder in full!
Product: Debt collection

a company by the name of XXXX XXXX XXXX XXXX send a debt collection letter to my job stating that I owe {$60000.00} in student loans and the social security number they have on this letter as well as the address are wrong and I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, the SS # they have on this letter is not mines either XXXX. My name is XXXX XXXX but again this is not my debt I have never lived in XXXX and I do not have this social security number I called the company at XXXX XXXX but the refuse to hear me out stating that I need to have my employer call them and my employer did n't give me the letter the letter was mailed to me at my job. This is not right and I want them to get this corrected immediately. I would appreciate you assisting me with this complaint. thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX
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 1681. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the natural person, consumer and original creditor. I entered into a consumer credit transaction with XXXX  XX/XX/2016. They are committing fraud because they got paid with the finance charge and mislead me to believe i still was suppose to pay them monthly payments, but my social security number paid for everything initially. They are also infringing upon my privacy because they sent my information to consumer reporting agencies without my written consent. Now those reporting agencies are reporting this alleged debt negatively to my consumer file. This is also fraud because that is my information nothing is suppose to be put on there without my consent on top of that everything must be accurate and they are suppose to interview friends and family which they never did. I am the consumer everything starts and ends with me.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention and since then, I have made several attempts to resolve the issue through your designated channels. Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. 

I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$990.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I requested a pay to delete I was told that they do not do pay to delete due to the credit fair act they are required to report correct and accurate information I advised them that the information on my account status was not accurate This account is closed It is a debt and on the account it has open and I request it for them to delete it for the inaccuracy
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXXXXXX  SS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington law firm told us we had until the XXXX of XXXX to cancel me and my husband was deceived woke up money was already taken this company is a scam and we want our money back I cant believe we fell for there deception. XXXX XXXX and I was trying to rent to own which the gentleman put Lexington on the line we were charge {$4.00} then we had until the XXXX of XXXX to cancel which is today I cant even access my account well we woke up at XXXX ; XXXX am on the XXXX today and was charged already we fell taking advantage of.
Product: Debt collection

Well Fargo is continuously reporting negative on my credit reports. This DEBT has been paid. Please remove this debt from credit report immeditely Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, COMENITYBK/XXXX XXXX # XXXX ) has violated my rights. Under 15USC 1681 Section, 602 states i have the right to privacy.

15UAC 1681 Section 604A section 2 : It also stated that consumer reporting agency can not furnish an account without my written instructions Under 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file. 
Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$540.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$180.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$180.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding unauthorized hard inquiries appearing on my Equifax credit report. Specifically : Inquiry Date : XX/XX/year> - Company : XXXX Inquiry Date : XX/XX/year> - Company : [ Insert Other Company Name if Visible ] I did not authorize these inquiries, and they do not meet the criteria for permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. I have contacted Equifax to dispute these inquiries and requested their removal but have not received an adequate resolution. These inquiries are negatively impacting my credit score and my ability to secure financing for important financial needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXX XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$21000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXXXXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries on my credit report, please remove them from my credit immediately. 

XXXX XXXX  ALLY FINANCIAL ALLY FINANCIAL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The customer is constantly falsely reporting my account as late or delinquent and everytime I dispute it they correct it but report it again negatively a month or two later ... this has been going on for the past year and a half and Im tired of it
Product: Debt or credit management

I have a spend account and savings account with credit karma. I decided to open a credit builder account which is supposed to help raise your credit scores. So far I have deposited {$60.00} into this account. I have seen no improvement so I wanted to close my Credit karma Builder account and get my {$60.00} back. I reached out to them on XXXX XXXX and have only received an automated email back. The account still shows as open and my {$60.00} is still in the account but not accessible to me. I wanted to keep the other two accounts open still -the savings account & spend account.
Product: Credit card

Without fail, I've maintained timely payments on this account, avoiding any instances of overdue status. I'm unsure as to why there are reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, these should be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX dealership ran my credit several times, they were not authorized to do this, they have even admitted in the letter I have proof they were not allowed. GM FINANCIAL has refused to take it off my credit report. This is absolutely ridiculous and against the consumer protection, I have wrote them with no other response.
Product: Credit card

Around XXXX XXXX, 2016 - Barclays Card shut down XXXX of my credit card accounts. I believe the closure of these accounts were done in a deceptive way to entice me to spend money on annual fee 's, accrue miles/points in these accounts, and then to close my account with no notice ( verbal nor written ) and refuse to refund me for any of the annual fee 's, miles, or points I paid or accrued with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX 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/block any items not later than XXXX 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
Product: Credit reporting or other personal consumer reports

I'm submitting this compliant due to the negative information that XXXX XXXX XXXX XXXX XXXX has reported in my banking report. I believe that my rights have been violated as this information is inaccurate and misleading. Please investigate and rectify this matter promptly. 

Description of Dispute : XXXX XXXX XXXX is reporting multiple negative accounts with my personal information such as, XXXX XXXX XXXX : Incident date : XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX reporting a negative balance of $ XXXX. 
XXXX XXXX : Incident date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX. 

XXXX XXXX : Incident date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX Fee reversal : $ XXXX. 

XXXX XXXX : Open date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting an Overdrawn account. 

XXXX XXXX : Open Date XX/XX/XXXX, Closed Date : XX/XX/XXXX Banking Routing # XXXX, Account # XXXX. Account Status : Closed for Cause-Purged of ALLY BANK : Open Date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a closed account. Reason for dispute account was never opened.
Product: Credit reporting or other personal consumer reports

I was called from a collection agency stating i owe fees from a rented apartment at another state. I told them i have never lived in any other state nor rented an apartment in another state. They said they have my social security number on file, therefore i asked if they have an identification on file to prove it was me which they said they do not. When i asked for the collection to be disputed because it was not mine and i did not rented an apartment and that it was a fraudulent account they denied to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2023 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. 

XXXX XXXX XXXX has violated my rights. I sent a dispute letter the company claim the accounts was verified but it is inaccurate. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove the following inaccurate information on my credit report with Equifax. this issue has grown larger an caused many effects on my file. please review an remove all listed data. my credit report is damaged due to invalid data please remove asap.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2024 tried calling Transunion to remove two unauthorized hard inquires they refused claiming I had to file an ftc identity theft report then submitt it to them before they can remove these to hard inquiries when number one its not an issue of identity theft but but rather a company that decided to to shop my info after applied for card that was suppose to be an equafax inquiries only. Secondly the By the provisions of the Fair Credit Reporting Act, I'm not required to file any type of identity theft report nor does either of the other two require this nonesense.

, I demand that these 2 hard inquiries items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. There refusal to act in the absence of a identity theft report is unlawful the standard is can a creditor verify that they have been authorized and they have not.