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

I contact all 3 credit bureaus about these fraudulent accounts on my credit report and no actions have been taken. I will take legal action because this is just ridiculous. I've also contacted the FTC regarding these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 XXXXXX/XX/year>
Product: Checking or savings account

Last month i had a financial hardship im still having. I tried calling to setup payment of my loan for the next month since i needed to catch up on payments and the app was giving me trouble. Causing me to sign up for three payments for XXXX when i was trying to pay for just XXXX and XXXX. The membership fee i figured would be waived as i was unable to benefit from any of the perks of the membership for the credit builder loan such as XXXX  ( which i wshould have received anyways because its a perk of using direct deposit ). Long story short i was cut off of my XXXX  advances although i have direct deposit and received it before i even signed up for the loan and whatever other supposed perks you get from a loan you inly received XXXX $ from but ate paying for a XXXX $ loan. So, while they are keeping the XXXX $ i wasnt able to receive ( because they are collecting intrest on it lets be real ) charging me {$46.00} a month for the loan ontop of an additional XXXX $ membership fee which really only allows another {$100.00} XXXXXXXX advances, but there's a catch to that as well. If the system doeant detect your deposit, the same consistent deposit youve been receiving every month same amount same time of month, that extra hundred is not available and your paying an extra XXXX $ a month for basically nothing. I do not use any of their other services as theyre not services that arent already included with direct deposit acct. This bank is an absolute greed monger and im disgisted by the lack of customer service as well.there is absolutely no customer service whatsoever. And dont even bother asking for a supervisor. Theres never one available and they have up to five days to get back to you at their convience not yours.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion LLC regarding their failure to appropriately investigate a dispute I mailed on XX/XX/2023. In my initial dispute, I challenged personal information, XXXX  XXXX ( Account Number : XXXX ), XXXX XXXX  ( Account Number : XXXX ), and a bankruptcy filing with reference number XXXX. 

TransUnion 's response, dated XX/XX/2023, alleged that they would not proceed with investigating my dispute as it appeared to originate from someone other than myself. This denial to investigate is a direct violation of my consumer rights and the Fair Credit Reporting Act ( FCRA ). 

Attached to this complaint, please find a copy of the dispute letter I sent to TransUnion, along with their response, as supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00}
Product: Credit card or prepaid card

I finished paying the card off, & I got rid of the card. When I went into my bank XXXX were used when i was only authorized for {$800.00}. I believe it was fraud because the charges were made in another city.
Product: Vehicle loan or lease

Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for Santander to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX opened XXXX, XXXX. Fraudulent account appearing on my consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer accounts, are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This account is Identity theft, Discover has been informed multiple times. Discover has misled in regards of the fraud process, documentation proving identity theft was provided and also mailed. My name has NEVER been XXXX XXXX, I have never been associated to the address of XXXX XXXX XXXX XXXX XXXX  Discovers agents/representatives are unprofessional, this is discrimination, It has a lot to do with me being XXXX and this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account Name and number, XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I was on a XXXX  in on my credit report it shows I have missed 26 payments does not state that I was on a monitorium they show XXXX XXXX XXXX for almost 2 years and the payments that I've made before the XXXX  no longer reflect on my account and the beginning balance has been changed from {$89000.00} to XXXX so I'm missing proof 14 years a payment history and I've never missed a payment I've never been behind yet they keep reporting every month that I am late and I've missed 26 payments does not mention a XXXX  at all
Product: Credit reporting or other personal consumer reports

I submitted disputes on XX/XX/year>, and the results were returned to me about XXXX weeks later, on or around January 10/11, 2025, and no changes were made and the information on my report with these XXXX agencies remained inaccurate and impaired my ability to use my credit for personal use given the inaccuracies in their reporting, which companies rely upon for making decisions related to my name based on credit. 

Specifically, I disputed multiple errors on my credit report through three credit reporting agencies : XXXX, XXXX, and Transunion. When I checked the status of my dispute on the websites portal, I was advised these companies investigated and returned with the results XXXX days after my dispute was made. I checked to see if anything was changed, but there were no changes. The disputed information remained on my credit report. The disputed information included incorrect addresses and contact information and incorrect records of payment to the account when active and payments in full that were made to the account but not correctly reported by these agencies. This has significantly adversely affected my ability to use my credit as various inaccuracies remain on my report despite my disputes, and this has continuously prevented an accurate reporting of my credit to companies for my private use. I have been denied applications for credit that are directly based upon these agencies inaccurate and defective reporting of my credit history. These accounts need to be updated accordingly and inaccuracies removed so I can proceed with my life. 

Now all of a sudden, the dispute investigation results and information are no longer visible on my XXXX portal as though the company is trying to hide this information which demonstrates the continued bad faith and fraudulent conduct of these companies. Fortunately, I still have some of these emails which document my requests and communication from the reporting agency.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681 did my Experian credit report on XXXX XXXX, 2024 and noticed somethings are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable Procedures to insure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC1681 ( e ) ( b ) according to 15 USC 16815 ( 5 ) inaccurate or unverifiable information ( A ) in general after any navigation on the paragraph ( 1 ) of any information disputed by the consumer, and item of this information is found to be in accurate or incomplete or can not be verified, the consumer report agency shall ( 1 ) 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 on the consumer. And according to 15 USC 1681s-2 they are not to furnish any information relating to a consumer reporting agency it all has reasonable believe that the information is inaccurateXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

National credit system says I owe the XXXX on my credit report. There website doesn't fine me. I email and call them with no answer. About my debt. I show proof that doesn't find me. They have not gotten back to me in a timely fashion
Product: Student loan

Over a month ago, I e-mailed Navient about incorrect information that was reported to my credit reports. They have not responded, nor have they removed the information that is incorrect.
Product: Debt collection

I thought that collection from my provide apartment. When we end lease that apt does n't return my deposit money so we thought they make up for apartments cleaning fee. Then was 2009. I really do n't know i have serious record on my report before I checked my credit report XXXX month ago for buy house. 
and then that account joint with my husband. But my husband same account is closed but my own is still open. 

Anyway, I never has a notice from collection agency before they report on my credit report.
Product: Credit reporting or other personal consumer reports

I want to bring to your attention the seriousness of the situation at hand. It has come to my notice that despite my repeated attempts to rectify inaccuracies in my personal credit profile, your company has not taken appropriate action. I have sent several letters urging you to investigate and rectify the erroneous information, yet these requests have been consistently disregarded. 
I must emphasize that threatening legal action without any intention of following through is against the law. Therefore, I am informing you that I am prepared to pursue legal recourse if necessary. The Fair Credit Reporting Act mandates that consumer reporting agencies must diligently investigate and correct any inaccuracies upon request. Your failure to adhere to these obligations constitutes a clear violation of this law. 
XXXX XXXX XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three agencies have continuously violated and continue violating my federally protected rights as a consumer, privacy through privacy act of 1974 and as follows THE PRIVACY ACT OF 1974 : The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete; and.

15 U.S.C. 1981 SECTION 2 A State that I, as a consumer, have the RIGHT TO PRIVACY 15 U.S.C. 1981 SECTION 604 SECTION 2 : States that a consumer reporting agency CAN NOT furnish any information on my account without the expressed written instructions of the consumer which is I, and no agency Transunion, XXXX, XXXX has attempted to receive written instructions from I, the consumer, nor have they received any such instructions. My federally protected rights have been continuously and maliciously been violated and neither has attempted to correct to this date. 
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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.
Product: Debt collection

2019 debt was settled and no collection was added. They reporting on my credit as collection and is effecting my credit of every living. They are reporting this as a debt and collection and need to be removed by the creditor. By USC code
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have contacted XXXX, XXXX, and XXXX  repeatedly since XXXX of 2021 about a fraudulent auto loan with Bank of America. I disputed as fraud and sent in supporting documents along with a police report and FTC report. I was told the account was verified but no supporting documentation was sent to me to verify this. I reached out to Bank Of America XX/XX/2021 informing them about the fraudulent account. Bank of America sent me 2 letters dates XXXX XXXX, and XX/XX/2021 informing Me that they had completed research and denied my claim.Bank of America never provided me with any documents to support this decision. Ive been unable to rectify this situation over the phone as Bank of America will not provide me with their method of verification or anything. I explained to Bank of America it is a direct and willful violation of the FCRA to continue to report fraudulent unverified information on my credit report. I have attached my certified mail letters with return receipts, along with my FTC report, and correspondence from Bank Of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX  Account # XXXX {$660.00}, XXXX  Account # XXXX {$850.00}, XXXX Account # XXXX {$5300.00}, XXXX XXXX Account # XXXX {$150.00}, XXXX  Account # XXXX {$13000.00}, XXXX XXXX Account # XXXX {$9000.00}, XXXX  Account # XXXX {$2700.00}, XXXX  Account # XXXX {$520.00}, XXXX Account # XXXX {$390.00}, XXXX XXXX Account # XXXX {$260.00} has violated my rights. These accounts are also reporting 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I received a letter that appears to be a bill for a scam company and a debt I never owed. I have never done business with this company and they are requesting over $ XXXX. 

The letter or fraud bill states {$1500.00} is due on behalf of a company called XXXX XXXX. They referred to an account number of XXXX, and an additional company I.C. System reference number XXXX. The website listed as www.icsystem.com/consumer ... address XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Phone XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit reports, incorrect accounts are still presenting in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are needs to be corrected on my Credit Reports immediately : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

I recently paid off my loan in full after 6 years of condo ownership. Working with the company has been great. I believe I mistakenly paid late once during the period of my loan. The call center employees are very professional. 

In the last few weeks, I have been wishing resolution for my loan closure and my escrow refund check. On XX/XX/XXXX, you mailed my closing letter in full with the letter saying any applicable refund check would mail under separate cover. The next day, the XXXX, the check was mailed. On XX/XX/XXXX, I got the closing letter in my locked mailbox. It is common sense that two mailings a day apart would be received one day apart. It is now XX/XX/XXXX, a week after the first mailing. Your call center has told me several times that the check was mailed. No one can explain why the check has not shown up. I asked for them to cancel the check and they refuse to do it until 3 weeks after the mailing. I also was not told about their wire transfer option. Additionally, they refuse to waive the wire transfer fee if I cancel the check. It is 2022, and they dont have direct deposit as an option.
Product: Debt collection

This is a charged off debt - I am homeless and go online at the library, see this debt collector is reporting this old charged off debt on my credit still homeless with XXXX child, this debt collector keeps sending letters to a place I do not live - please advise if this is not fraud?
Product: Debt collection

FIRST COMPLAINT IS THE AMOUNT THAT I PAID IS NOT WHAT XXXX STATED THAT I OWED. THEY PUT THIS ON MY CREDIT ( IN WHICH I PAID THIS WHOLE BALANCE IN FULL ). THEY ( CREDIT CONTROL CORPORATION ) MADE ME PAY {$150.00} WHEN MY BILL FROM XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian via report # XXXX to update my information as somehow, my wrong DOB is listed on the report. The report was accepted, and the information was supposed to be removed, however the agency still lists the incorrect information on the report. I am unable to reissue a dispute of the information on my report electronically. My only other options are to file a mail dispute or through the CFPB.