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

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$4200.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information. 
The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today i went to the XXXX XXXX police station so that officer XXXX could sign my Identity theft victims complaint and affidavit to support my identity theft report. Please see attached supporting documents. I have included my ID and utility bill for verification
Product: Debt collection

To Whom It May Concern, I am writing in reference to reference number XXXX, for XXXX XXXX. The debt has been paid as agreed to XXXX, XXXX, XXXX and XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, XXXX, IL. 

Due to a lack of communication between XXXX, XXXX, XXXX and XXXX XXXX and Portfolio Recovery Associates my XXXX, XXXX, and other credit reports still state that the debt is in collection, and also further show that it is being disputed. 

Please report that this debt has been paid in full, and please request to remove any trade-line disputes on my records. Failure to do so will result in recourse for reporting debt that is inconsistent, as well as to seek punitive damages. 

Further, If I do not receive a letter via e-mail as well as registered postal mail to XXXX XXXX located at XXXX, XXXX, IL, XXXX indicating the debt has been paid in full, and request of removal of trade-line disputes then I will be forced to file for legal action. 

Best, XXXX XXXX XXXX, XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In my Experian app .... Regards to XXXX XXXX acct. on XX/XX/19 I made payment {$400.00} with XXXX XXXX XXXX. Payment confirmation # XXXX. 
XXXX acct # / XXXX / XXXX still hasnt updated even after I filed Dispute on XX/XX/19. DISPUTE # XXXX. Account was closed and not shows my payment. 
Contact # for this is XXXX Experian shows this XXXX XXXX account. # XXXX as closed/ charge off and no payment. The address under contact information is. XXXX XXXX XXXX / XXXX XXXX XXXX. XXXX XXXX shows same status derogatory/closedown : charge off Contact info is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX In XXXX XXXX App In XXXX REPORT for This XXXX account is still showy DEROGATORY/ CHARGE OFF/ NO PAYMENT. Contact information with this is XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX with XXXX XXXX shows this XXXX  XXXX card also as charge off / PAYMENT STATUS shows no pay made Contact information with this is XXXX In XXXX XXXX APP this XXXX Card is in XXXX as charge/offe. bad debt and payment status is zero. Contact with this is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NV
Product: Money transfer, virtual currency, or money service

The transaction was done over the phone. 
I had a total of {$3600.00} ( estimated ) and within just hours of 2 deposits my account was hit by this phone number and made an authorized money transfer. My card provider ( XXXX XXXX ) was contacted by me about this and they could only give me a phone number ... XXXX. 
I made an attempt to verify the company name but there was a message telling me that information to this number is not available and will require a court order to access. That right away set me off and I am now very interested in take full control of this person ( s ) accounts and all assets with company and private. 
This has put me at a very inconvenient problems. I have been through this once before and this time I am playing for keeps. 
Any information you can provide as this a Federal crime ( I am a VET ) and I am Federally protected. 
Would request your help in obtaining any information. 
Thank you very much in advance. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my Experian XXXX and XXXX credit report noticed inaccurate closed accounts information. I contacted the three major credit bureau 's and asked them to remove these closed accounts. XXXX XXXXXXXX credit card with a balance of {$740.00}. XXXX that's reported on my XXXX that's not accurate with the XXXX XXXXXXXX account balance of {$720.00} on Experian credit report also XXXX credit report since they're obviously inaccurate balances and dates reported on XXXX different closed accounts the second one is XXXX XXXX again with a balance of {$320.00} on my XXXX credit report but {$320.00} on my Experian and {$320.00} on my XXXX credit report so also not accurate across all Three major credit bureaus. The XXXX closed account is XXXX XXXXXXXX credit card on my credit report shows a balance of {$670.00} on my Experian credit report and {$600.00} on my XXXX credit report so there for that's not accurate as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a preliminary application with  XXXX   XXXX  to see if I could be pre-approved for a loan, however I was not aware that they were a sister-company f or Houston Finance in which I had previously had a loan. The company pulled my report without my knowledge, and when I contacted them to inquire about the preliminary application that I had submitted they then proceeded to inform me that they could not give me a loan because I 've had one before with their sister-company which was fine but I had no idea they had pulled my credit report until I viewed my credit report. I then called them to ask why would they pull that knowing that I had, had a loan with their sister-company but the representative could not give me a valid answer.      It is unfair to consumers for these companies to without knowledge to the consumer to pull credit reports before verifying whether or not the consumer has been a previous client.
Product: Debt collection

I have received notice from relatives that AFS collection company has contacted them asking for information about me and gave personal information about me. They have obtained addresses and phone numbers of relatives too. The amount and statue of limitations is up and I had previously paid the company I have not received a notice of any information. I told them verabally to stop contacting me but they refused. They call repeatedly.
Product: Student loan

On XX/XX/XXXX I made a {$15000.00} payment and specified it was to go towards loan XXXX. I was notified several days later it was declined due to " invalid account number '' for the XXXX account. 

On XXXX I made a {$15000.00} payment again that was accepted using same account number for the XXXX account and specified it was for loan XXXX. This was applied incorrectly. and Navient split my payment from XXXX into {$6400.00} for loan XXXX and {$8500.00} for loan XXXX. Never did I give that direction. 

On XXXX I made another {$15000.00} payment using XXXX account and it was accepted. I specified each and every time that the payments were to credited towards loan XXXX, do not break apart, in half or otherwise. This seemed to have been made correctly. 

In order to pay off loan XXXX, on XXXX I looked up the payoff amount and was shown a balance of {$190.00} was due. Using my XXXX XXXX account ( which I have had and used before for at least 10 years XXXX, I made the final {$190.00} payment. Again, I was told the payment was declined due to " invalid account number ''. So, I went back online, looked at the balance due which was now {$190.00} and again made a payment again towards loan XXXX that was now applied incorrectly, when Navient split the payment again, applying only {$95.00} to the XXXX loan and putting {$98.00} toward loan XXXX. 

Today is XX/XX/XXXX and I am told within 3-4 days the loan will be applied correctly and a letter will go out within 20 days confirming loan XXXX is paid off. The same information I was given on XXXX and it was never done, with my payments broken apart to make sure both loans stay active despite my explicit direction and attempt to pay off one of the loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX 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 am writing to bring to your attention an inaccurate collection entry on my credit report, which has been reported by a company called XXXX XXXX Remove Item from My Credit Re I request your assistance in resolving this matter as it does not belong to me and appears to be a case of identity t Details of the inaccurate collection are as follows : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$120.00} I have carefully reviewed my credit report and have confirmed that this collection entry is not associated with any account or transaction I have ever engaged in. Considering this, I believe my personal information has been misused, and this collection is the result of identity theft. 

I have already taken the necessary steps to protect myself from any further fraudulent activity, including filing a police report and notifying the relevant financial institutions. Enclosed with this letter, you will find copies of the supporting documentation, including the police report and identity theft affidavit, which provide evidence of the fraudulent nature of this collection. 

I kindly request that you investigate this matter promptly and remove the inaccurate collection from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agencies to conduct a reasonable investigation into disputed items, and I trust that you will ensure a thorough examination of this issue. 

Please provide me with written confirmation once the investigation is completed, and the necessary steps have been taken to correct this error. Additionally, I would appreciate any assistance or guidance you can provide to help me resolve this matter effectively. 

Thank you for your prompt attention to this dispute. I look forward to a swift resolution, and I trust in your commitment to protecting consumers from identity theft and maintaining the integrity of credit reporting.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$620.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3300.00}
Product: Debt collection

Requested the contract that I signed with them to take over debt never sent it. Also asked for them to not contact me and have several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report I saw some hard inquiries that did have not permission purpose. I also attached evidence.These inquiries has no permissible purpose to be on my report. 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. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. FCRA Section 605B of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to block the reporting of information on a consumer 's credit file if the consumer claims it is the result of identity theft. XXXX. XXXX XXXX. 18 U.S.C. 1028A. TRANSFER, POSSESSION, OR USE OF A MEANS OF IDENTIFICATION OF ANOTHER PERSON DURING AND IN RELATION TO ANOTHER FELONY. 15 USC 1692 The FDCPA 's purpose is to eliminate abusive debt collection practices, protect debt collectors who don't use abusive practices, and encourage consistent state action to protect consumers. 15 USC 1601 The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use ofcredit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use ofcredit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Under the Fair Credit Reporting Act, you're entitled to a fair and accurate credit report. If information about the repossession is inaccurate or unsubstantiated, I have the rights to dispute from my credit report. Delete these inquiries due to violation of 15 USC 1681b XXXX XXXX account number XXXX XX/XX/XXXXXXXX XXXX account number XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Vehicle loan or lease

I have autopay enabled for this account and typically pay make extra lump sum payments as well. The account overview page on the app indicates no late payments or fees and I have received no calls or emails from Bank of America indicating any issues with payment processing ; however, yesterday I received notice that they reported the account as delinquent to all three credit bureaus. I attempted to resolve the issue with Bank of America directly and they declined to offer any assistance. I have never missed a payment and this error dropped my credit score from around XXXX to around XXXX. I am disputing with all three bureaus, but would like this issue resolved quickly.
Product: Debt collection

On XX/XX/2018 I sent XXXX XXXX a certified letter as required for membership to be canceled. XXXX XXXX claimed that they never received the letter and sent my account loff to collections which have had negative effects on my credit. 

I filed a XXXX complaint # XXXX against XXXX XXXX after taking all the appropriate steps to provide them with the necessary documents requested. The complaint was closed because XXXX XXXX never responded. 

From my previous CFPB complaint, both the collection agency and XXXX XXXX stated that the issued would be cleared once the certified receipt was provided.