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

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On or around XX/XX/23 I was reviewing my TransUnion consumer report and apon inspection I noticed there was a unwarranted, no written or verbal instructions giving permission for this derogatory Inquiry to be on my TransUnion consumer report from XXXX XXXX XXXX XXXX. I have no open credit card or line of credit account with this Institution. My FCRA federal protected rights is being violated by this Inquiry being placed on my consumer report and TransUnion policy doesn't supercede federal law. So please Remove immediately before I start the litigation process.
Product: Debt collection

When I checked my credit file I was disheartened by what I saw. On XX/XX/year> DEBT CO, LLC reported a collection account opened on XX/XX/year> in the amount of XXXX on my credit profile. I have no idea who they are nor whom they are attempting to collect a debt for. I did not receive validation notification of any debt owed to DEBT CO, LLC. I did not open an account with nor solicited any services with DEBT CO, LLC. I did not give any of my personal information to DEBT CO, LLC nor did I give my consent for them to access my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My reputation is being damaged which is affecting my credit worthiness making it difficult for me to operate in commerce. XXXX XXXX states that you must have a permissible purpose for which I have never provided " written instructions '' for you or any other furnisher to furnish anything on my consumer report. This is a violation of the FCRA and I'm demanding you to remove these accounts from my credit file. You have an obligation to ensure that I have a fair and equitable consumer report, please fulfill it.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for the failure to conduct a reasonable reinvestigation into inaccuracies on my credit report, as per the Fair Credit Reporting Act ( FCRA ). My dispute, sent on XX/XX/XXXX, requested an investigation into the following items : 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 Additionally, I disputed two inquiries from XXXX on XX/XX/XXXX and two incorrect addresses on my credit report. To assist in verifying my identity, I enclosed a copy of my photo ID, social security card, and a recent bill reflecting my current address. 

However, I received a response from TransUnion stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

This response indicates a failure on TransUnion 's part to recognize a dispute initiated by the consumer, as mandated by the FCRA. The Act explicitly states that if the completeness or accuracy of any item in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

I am providing copies of my dispute letter and TransUnion 's response as proof of my attempts to rectify the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I applied for a XXXX CARD with XXXX XXXXXXXX. The card was denied because they said EXPERIAN did not have my phone number. It is public and remained the same for the same number of years that I had a MasterCard open with them. I had no balance on that card and wanted one without an annual fee and rewards that I could use to visit family. My record with Experian was not frozen, but XXXX  XXXX said it was. I closed the Master card that day and do not know what kind of business XXXX XXXXXXXX is running.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've got multiple hard credit inquiries on credit report. 2 of them on XX/XX/XXXX from the same company capital one which I did not give permission to run my credit. Also got one on XX/XX/XXXX from XXXX XXXX XXXX XXXX Which I did not approve to run my credit. Also XXXX XXXX on XX/XX/XXXX. Also XXXX XXXX XXXX on on XX/XX/XXXX. XXXX XXXX  on XX/XX/XXXX and I also have multiple ones with XXXX XXXX on different dates. 


Also would like for XXXX XXXX XXXX to update my profile as paid in full and to remove negative remarks in my credit. Majority of the times I was late was less then 10 days. So why report I was more then 30 days late. These little things are hurting my credit. And my wife and I are trying really hard to build our credit to buy a house for our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Help, Help, Help. 

The TransUnion Credit Bureau Company insists on ruining my credit score and having my credit report full of false information. My Credit Monitor Company, XXXX, notified me today on XX/XX/2021, that the TransUnion Credit Bureau Company on XX/XX/2021 had lowered my score. The reason is that I have too many delinquent or derogatory accounts. 

I do not have any derogatory accounts ; I repeat, I do not have any delinquent accounts. 

No other Credit Bureau Company has lowered my score. In fact, they received a letter from the Mortgage Company " XXXX, '' and they immediately updated their systems, and my accounts with them do not show any delinquency or Derogatory. 

I am attaching all the official letters for the investigation. 

I worked hard all my life to maintain a good credit score and to have an excellent credit report.

TransUnion Company must stop building its decisions on false information. The company has to change back my score and report to where they used to be.
Product: Debt collection

These people are calling and harassing my XXXX daughter while she is at school.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has commited 2 violations against me. 
Violation # 1 Violated my FCRA Rights : These are my rights under the FCRA You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

3 letters were sent to Transunion and it was not until I submitted a complaint with the CFPB on XX/XX/XXXX, that Transunion answered on XX/XX/XXXX. Letter sent XX/XX/XXXX, they processed it on XX/XX/XXXX. Evidence will be attached on this complaint CFPB needs to make them comply with the laws. 

Violation # 2 Statute of Limitations Texas Law Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. 
This debt that Transunion is reporting is from XX/XX/XXXX it is an expired debt. 

I am in total disagreement with Transunion investigation response. The incorrect items listed still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. Please have Transunion delete this inaccurate information.
Product: Money transfer, virtual currency, or money service

We, XXXX XXXX XXXX XXXX received a response from Consumer Finance providing a claim # we were requesting from Wells Fargo Bank so we could reach out as they advised they needed that specific claim # to give us an update. I reached out to Wells Fargo requesting an update, with the claim # they provided. I was first given an email : XXXX. I sent an email with the advised subject line, including the claim # and the email came back undeliverable. Its not a usable email or it is invalid or not an active email. I called back, I was given their claims department number of : XXXX from a claims rep. This was after being transferred to her from XXXX different people. I spoke to XXXX who advised after being on hold that she had to transfer me to the ACH claims department. In that dept. I spoke to a XXXX, who stated she could not pull up the information with the claim # I provided, or the account number ( listed on the affidavit of forgery paperwork ) and said that I had to go to the branch that allowed the check to be cashed. I advised that we dont know what branch it was and we are in another state and that is not a possibility. She said she couldnt help me and had to get me to customer service. She transferred me so a line that was not good, a person who didnt speak XXXX well, and said he couldnt help me because he couldnt hear me either. 
I need a way of communication with Wells Fargo. I need them to provide an update on the claim with the claim number they provided, which was XXXX. We complied with what they requested, were told that we had to contact them with the claim # and now they can not give us an update.
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful review of this account, I noticed multiple instances, where 99 % of the information reported by the credit bureasu are not accurate and they insist on confirming and validating the creditors inaccuracies. The high balance is being reported inaccurately with 3 different amounts. Only one credit bureaus ( XXXX ) is reporting that it has actually verified the account. Date of Last activity, date reported, date opened, balance owed, creditor type, account status, payment status, are all reporting different information. None of the agencies match on any of the data they are reporting against this account. 

On XXXXXXXX XXXX  and XX/XX/2022, I submitted a dispute via the online portal with all 3 Major Credit bureaus regarding XXXX XXXX. Each result came back " verified as accurate '' by both the Creditor and the Credit Bureaus.
Product: Credit card

BY LAW, a credit card company is required to identify all creditors on their customer billings by creditors names, transaction dates and associated reference numbers. Wells Fargos credit card division refuses to do so.

BY LAW, a credit card company ( under the terms of its contract ) is required to investigate any suspected fraudulent claims made by a creditor once that questionable purchase is charged to a customers credit card. In order to do such, BY LAW, a credit card company must BE ABLE to identify the suspected offender,

date of purchase/transaction and associated reference number ( used to research what was purchased ). Wells Fargos credit card division refuses to do so. I have recently learned that agents working for Wells
Fargo are prohibited from reviewing a customers entire business record and those same people are expected to resolve all customers problems and complaints ( with very limited information ). That maybe the true essence for my complaint; prohibiting a customer ( and FTC and CFPB ) from communicating directly with a Wells Fargo employee who has total access to a customers records. So, those uniformed agents rely on misdirection and deception.

Wells Fargo claims they are above the law on these issues and therefore, can harass their customers by utilizing highly unethical and illegal practices for unsubstantiated charges ( and to ignore the terms of their own contractual agreements ). I want to know why Wells Fargo deems itself above the law on all business transactions with its customers.
Product: Money transfer, virtual currency, or money service

I am very new to crypto currency so I downloaded the Coinbase app and I thought I had put in the information that they and this was in XXXX I think so I put {$1.00} dollar to start the app. So I went to put in my banking information and I found out that my account was restricted so I contacted the support center and could not help me. So last month they told me I needed to send in my ID and I did that well my account was still restricted and then this about 3 days ago they told me that I needed to fill out a XXXX XXXX I did that and they said the restrictions should lifted and they are not. Then on XX/XX/2022 they sent me a email saying that they were closing my so I tried to put in my banking information and it is still restricted so I called customer service and spoke to a agent and she said she was expedite my case well I checked today and it is still under review and all I wanted to do is put my bank information on my account because the sponsor bit coin games and by my total playing there games is a lot of money and I know that I have to pay them to withdraw the money I am a XXXX I play the games to get extra income they seem to be stalling the person I spoke with today she said that my account is under review again after they had sent the email saying that they were closing my case please help.
Product: Debt collection

In XXXX of XXXX, I cancelled my internet and cellular telephone service with XXXX XXXX because of their poor customer service. They bundled and unbundled my services too many times. On XXXX XXXX, XXXX, I checked my credit report and found a collection item from Central Credit Services. I called Central Credit Services and was told that I owe XXXX XXXX for my final billing. However, I called XXXX XXXX in XXXX and XXXX of XXXX to ask for my final bill and was told each time that my balance had been paid in full. On XXXX XXXX, XXXX, I called XXXX XXXX and was told the final bill was due to cellular phone charges in XXXX. I then called XXXX to verify that my cellular bill had not been paid. The representative from XXXX let me know that my cellular bill had always been paid, and I have a zero balance going forward. He also noticed that the service had been bundled and unbundled by XXXX XXXX many times. On XXXX XXXX, XXXX, I talked to XXXX in XXXX ( she was more than happy to tell me where she was ) from XXXX who told me that now I owe for a modem, too, so the bill is not only for cellular service but also for a modem. I do n't know how I leased a modem in 24 hours since I do not have service with XXXX anymore. I let XXXX know that I would be happy to give XXXX the documents I will be receiving from XXXX if they are willing to pay the {$5.00} fee I had to pay to receive them. If I would not have checked my credit, I would not have known about this account because XXXX XXXX gave the collection agency the wrong address, and I never received a letter from the collection agency to tell me the account existed. It needs to be noted that I gave XXXX XXXX the correct address several times both over the phone and on the company 's web site many times, but it was never updated. I tried to resolve this issue with XXXX, but she told me I had to dispute it through the collection agency. The collection agency told me I had to dispute it through XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on the date of XX/XX/22 i submitted a complaint WIth the CFPB regarding concerns & complaints of all Inaccurate information on my consumer report with the 3 # C.R.A. Equifax, XXXX, XXXX. XXXX was the only reporting Agency to address my disputes immediately by Deleting all inaccurate information and inquires. Equifax XXXX XXXX has violated my consumer rights & the consumer law placed in place by the FCRA. FCRA # 1 ) 15 USC 1681 Section 602 ( A ) My Rights To Privacy. 2 # ) 15 USC 1681 Section 604 states no furnishing of accounts without my writtem permission & now they have violated new FCRA laws .3 # ) 15 USC 1681 ( i ) ( 2 ) ( A ) states Equifax & XXXX had 5 business days Apon receiving notice of A dispute they shall provide notification of the dispute & shall include all relevant information regarding the dispute & the Agency has received from other Consumer Agency. These requirements were not meet by Equifax or XXXX. XXXX # ) 15 USC 1681 ( i ) ( 5 ) ( A ) ( XXXX ) states any information disputed by consumer, any Item of information is found to be Inaccurate, Incomplete, or can not be verified the C.R.A shall Promptly Delete the item from the file of the consumer.5 # ) 15 USC 1681i ( 7 ) there was no method of verification given. 6 # ) 15 USC 1681 ( 6 ) ( B ) ( iii ) A description of the procedure used to determine the accuracy & completeness of information. And also the furnisher who provided such information shall be provided to the consumer by the Consumer Reporting A gency. 7 # ) 15 USC 1681S ( 2 ) ( A ) ( B ) A person shall not report any information relating to a consumer to a C.R.A if the person knows or has reasonable cause to believe the information is inaccurate. ( B ) ( i ) the person or Agency has been notified by the consumer at the address specified by the person for such notices, the specific information is inaccurate and ( ii ) the information is in fact inaccurate.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXXXXXX Balance : {$30.00} XXXX XXXX XXXXXXXX Balance : {$76.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

In XXXX, persons unknown to me used my personal information to get store credit cards and charge merchandise. I have been trying since then to get Macy 's Fraud Investigation department to complete the investigation. ( The six month delay in clearing my name is a separate issue ). In the meanwhile, they sold the debt to Citibank collections XXXX XXXX ) which robo-calls my cell phone at least five times a day. I have told the Fraud Department multiple times and they promise to stop the calls, but they continue. I have complained to the bill collectors and they say that they have n't been told to stop calling me by Macy 's.
Product: Credit reporting or other personal consumer reports

I am reaching out to bring attention to the fact that incorrect information is still being reported on my credit file, despite prior disputes. This matter has not been resolved, and the errors continue to appear on my report. 

As this situation violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( b ), I expect that you take prompt corrective action to address the inaccuracies, which I have detailed in the attached letter. 

I trust that this issue will be handled urgently and that the necessary adjustments will be made to ensure accuracy in my credit report. 

Thank you for your immediate attention.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was paid in full by the previous owners XXXXXXXX XXXX XXXX  by the due day of XX/XX/XXXX and an additional payment was made by me before the due date. Im requesting that the 30+ days late to be removed from my co borrower and my credit report immediately. We never been 30 day or more late why would we be 30 days at pay off time? I lost XXXX points on my credit report due to this misinformation and my co borrower lost XXXX points due to this we ask that XXXX  XXXX remove the 30 day late so that we can continue with our lives with our credit report without this blemish. I will enclose documentation that will support my claims I take my credit and credit report serious and Im responsible with my credit, this 30days late on my credit report stops me for doing anything with this blemish from XXXX XXXX. I cant see how they were able to put a 30 day late on an account that was reported closed last month and removed off of my credit last month that I filed an dispute and got the account removed myself and it was Successfully removed XXXX 30 day late pop up from a successfully removed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, after blocking me from accessing my credit report from " XXXX '' ( a prior complaint ), is now blocking me from accessing my report to file a dispute as well. Again, this issue is specific to Experian, I was able to submit the same dispute to XXXX and XXXX without issue -- only Experian has blocked my ability to do so. 

I have now signed into my Experian " Dispute Center '' account twice ( thus, I have already been registered and identified -- confirmation of identity should not be the issue ), but each time I am told that my file can not be loaded, specifically the site advises : " We're experiencing technical difficulties and can not access your report at this time. 
Please try again later. '' ( Screenshot images of my attempts attached to complaint ) There is no explicable reason why I am being blocked from submitting a dispute on multiple occasions.
Product: Student loan

My personal information was stolen years ago and used for several unauthorized accounts on my credit report. i would like these accounts off my report immediately. I've filed fraud and identity theft XX/XX/2023
Product: Credit reporting or other personal consumer reports

I intent to Sue Transunion in federal court. This will be Transunions last opportunity to delete each account I have list in my dispute. I asked them to do a Reinvestigation and they did nothing. I demand each account be deleted immediately.
Product: Student loan

Navient constantly calls me while I am at work, they just XXXX my phone with back to back calls. Even when I have no payments owed, or after asking them not to on AT LEAST 4 occasions. They are literally putting me at a disadvantage to earn money, and keep pestering me to make payments, even when nothing is owed at the time. This is harassment.