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

I disputed the inquiries online with XXXX and was advised credit inquiries were factual that stay on record for two years but was advised to file a report with the FTC, however, I was directed to the CFPB website. I contacted TransUnion via phone and tried to dispute the inquiries with them directly. I tried getting in contact with XXXX, however, I didn't have any luck. Also, some accounts reporting on my credit file with bankruptcy have been disputed several times, but have yet to be removed from XXXX and TransUnion, it has already been removed from XXXX. I will attach my credit file and it will show the accounts listed on each credit bureau. Also, I wanted to dispute addresses, spellings of names, and employers on my credit file.
Product: Debt collection

Brock & Scott cancelled a foreclosure sale XX/XX/19 and told the CFPB that it did so. 

It is still listing the foreclosure sale on the following sites : http : XXXX https : XXXX https : XXXX I have asked the debt collector to confirm the cancellation and have yet to receive a response. The sale was cancelled because the foreclosing party did not have the legal right to foreclose. 

The debt collector has informed no one that the alleged debt is disputed.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issues I've encountered with the inaccurate reporting of my personal information and inquiries by the three major credit bureausXXXX XXXX, and TransUnion. Specifically, my credit reports reflect incorrect or outdated names, addresses, and employment history. These inaccuracies not only misrepresent my personal data but also have the potential to negatively impact my credit standing and financial reputation. 

Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inaccurate Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX XX/XX/XXXX - Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They told me that I had to fight this again. Thats why Im here again when these shouldve been off my credit report.
Product: Checking or savings account

I am a long time account holder with PNC bank. I have a personal checking and savings account with them. I also have a home mortgage with PNC. My federal retirement check is direct deposited with them each month. Today I go into one of their branches to cash a rebate check in the amount of {$3.00}. I give them my account number, show them a personal book of checks, and my state issued drivers license and they refuse to cash the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the Bankruptcy that is reporting on this bureau. I have followed up with the XX/XX/XXXXCase Summary, I have requested my XXXX report and in all the supporting documents I have found inaccurate and incomplete information that the bureaus refuse to remove. This misinformation is damaging my credit score and restricting my financial obligations in order for me to move forward. I would like this account removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance XXXX {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$270.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS CURRENTLY REPORTING AN ACCOUNT BY XXXX/ XXXX ON MY TRADELINES ; THE ACCOUNT IS CURRENTLY REPORTED PAST DUE AND CHARGED OFF. I CALLED XXXX AND SPOKE WITH XXXX WHO IS A SUPERVISOR WITH THE COMPANY ; I SPOKE WITH XXXX ON XX/XX/2020 AT XXXX IN REGARDS TO THIS ACCOUNT THAT TRANSUNION IS REPORTING. XXXX CONFIRMED WITH ME THAT XXXX/XXXX  CONTACTED THE CREDIT BUREAUS TO HAVE THIS ACCOUNT REMOVED FROM MY TRADELINES BECAUSE THE ACCOUNT HAS BEEN REPORTED WRONG. 
I HAVE DISPUTED THIS INFORMATION WITH TRANSUNION ON SEVERAL OCCASIONS ; TRANSUNION ALWAYS STATE THAT THEY HAVE VERIFIED THE INFORMATION AS BEING REPORTED AS ACCURATE. THERE IS NO WAY THAT TRANSUNION COULD HAVE PROPERLY VERIFIED THIS INFORMATION ESPECIALLY SINCE XXXX  AND XXXX  IS NO LONGER REPORTING THIS ACCOUNT AS THEY HAVE MADE THE CORRECTION. TRANSUNION ALWAYS STATE THAT THEY VALIDATE AND VERIFY THE INFORMATION THAT THEY HAVE REPORTED. XXXX FROM THE COMPANY STATED THAT ALL OF THE CREDIT BUREAUS WERE NOTIFIED ON XX/XX/2020 INCUDING TRANSUNION AND SHE DOES NOT KNOW WHY TRANSUNION WON'T REMOVE THE ACCOUNT ; THESE CALLS WERE RECORDED AS WELL IN THE EVENT OF LITIGATION. 
TRANSUNION NEVER FAIRLY INVESTIGATE DISPUTES AND CONTINOUSLY REPORT INCORRECT INFORMATION ON THEIR REPORTS. I NEED LEGAL ASSISTANCE WITH TRANSUNION ESPECIALLY SINCE THEY ARE NOT FAIRLY INVESTIGATING OR REPORTING INFORMATION ; PLEASE INITIATE AN INVESTIGATION ON HOW TRANSUNION IS CONDUCTION THEIR DISPUTES.
Product: Checking or savings account

Multiple accounts were opened in my name with Chase bank I have never done business with chase. I was told that I was responsible for an account. I have no information or knowledge of this account ever being opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquires on my Experian report that need to be removed. I wrote to them via certified mail about removing XXXX hard inquiries but they responded with only removing XXXX. This is fraudulent because I never authorized any individual from the listed companies to pull or review my consumer report and I also did not give Experian permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ).
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I called XXXX XXXX XXXX to find out why they were reporting my account as charged off when I had paid it off in full and had a letter from them stating the account was paid off in full. The agent told me I had to fill out a form and send it in and they would investigate it and XXXX would inform me of the results. On XX/XX/year> I checked my credit report and it changed from charged off with fixed interest to paid charged off. Which neither is true. They had a system malfunction and I started receiving some settlement agreements to speed up the pay off process. To which I turned down because the account was almost paid off and would reflect in a negative manner on my credit report. On XX/XX/year> I paid the balance off to XXXX XXXXXXXX XXXX XXXX  and the account was paid in full. This account was never charged off and for them to report it to the credit bureau is having a negative affect on my credit and making it very hard to get a new car loan. I was never notified that this account was charged off as I was in constant contact with them and I was making regular payments. How can it be a charge off if you pay the balance in full?
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is continuing to report my identical twin sisters information on my credit report. 
After removing information two accounts inaccurately reported. They refuse to remove the inquiries.
Product: Credit reporting or other personal consumer reports

I requested my credit report on XX/XX/year>. But Equifax did not give it to me. I placed the request online at XXXX, which is the website for consumers to obtain their free credit report. I was able to obtain my reports from XXXX and XXXX XXXX from the website. Please send me my full credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reviewed my credit report and saw an unknown XXXX medical bill from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have sent the credit BUREAUs numerous dispute letters along with an FTC to get these negative accounts removed. I have never been to the hospital at this location before and haven't been to the XXXX  in YEARS. Besides, I have XXXX so all of my medical expenses are paid in FULL. The company is negligent as well and has yet to send any validation. This is impacting my credit score negatively and I need it gone ASAP! I have hired an FDCPA lawyer since my request are being ignored
Product: Debt collection

Hello, Its been 3-4 months and they only response Ive gotten was the accounts been verified. I want to know who verified them. By law after 30 days of no verification the debt has to be remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXalance Owed : {$490.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00} ; XXXX XXXX XXXX  XXXX Owed : {$680.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$550.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies are not reporting items correctly. I am attaching a copy of my credit report. I am requesting this account be removed from my report. It has caused harm. Also remove this inaccurate data from the secondary reporting agencies as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a new credit hard inquiry against me for Capital One Bank today at around XXXX on XX/XX/2023. Ive been notified its a sign of fraud and would like it to be monitored and the hard inquiry removed off of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and noticed multiple unauthorized Inquiries that I had no knowledge of on my credit report, I then sent a certified letter to Experian on XX/XX/2020 requesting for a full investigation to determine who authorized it and upon completion asking that they then provide written correspondence that detailed results to their finding. I feel there was not a full investigation completed because the certified letter was accepted and signed to Experian on XX/XX/2020 ... I then received an email stating that my Dispute Results for report XXXX were ready on XX/XX/2020 and that they were not available online and to call a specialist and when I did call the specialist he did not give me any detailed outcome of my results but instead told me that he can send me a copy of my credit report to dispute any inaccurate information when in fact I called for my dispute results regarding inaccurate inquiry information.
Product: Credit reporting, credit repair services, or other personal consumer reports

-XX/XX/2019 New Rez financiaXXXX reported {$1600.00} past due as of XX/XX/2019 to all 3 credit bureaus -Called New Rez on XX/XX/2019 to fix this problem because my account is up to date with payments. 
-NewRez told me that there bankruptcy department can only speak to me. 
-Called on XX/XX/XXXX several times NewRez and was not able to get anyone to help me. 
-Mortgage account is in a open bankruptcy
Product: Credit card or prepaid card

Earlier this year I received a computer generated form letter from JP Morgan Chase dated XX/XX/XXXX ( please review attachment 1 ). As of the letter 's date, I was out of town & returned outside of their 15 day window. 

I responded via e-mail to their executive team ( please review attachment 2 ) Received a call today from 1 XXXX at their Executive office ( XXXX XXXX ). She was obtuse & obnoxious. She refused to have the card reinstated even though I explained to her that due to the pandemic quarantine & travel restrictions, being out of town, I was physically not in receipt of their letter during that 15 day window to effect usage of the card. This is outrageous and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XXXX XX/XX/XXXX ) I attempted to freeze my credit report access at XXXX, XXXX and Experian. The XXXX  attempt went without a problem, but I was thwarted in my attempts at Experian and XXXX. After filling out the credit freeze request form at XXXX, I was received the following response : <p> " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. 
We are sorry, but we are unable to fulfill your request at this time. 
What to do now : If the problem persists, please contact our Website Access Support team at XXXX, available Monday through Thursday : XXXX XXXX to XXXX, and Friday through Sunday : XXXX XXXX to XXXX XXXX Eastern Standard Time. '' <p> In the case of Experian, it was clear to me that they were intent on making it as difficult as possible to obtain a free freeze. Their request form did not allow autofill, an easily implemented customer courtesy, and after having manually filled out the form and answered ID verification questions, I received a notification that for an unspecified reason they could not fulfill my request, and that I should send the request via USPS mail and include a long list of specific pieces of information, which I had just supplied in their online form. 

I believe if one of your agents attempts to use the free freeze request at the two services referred to above, they can confirm my experiences. Nevertheless, I will double check both of those services tomorrow, and if their response has been more compliant in fulfilling the requirements of the free freeze legislation 's intent, I will so inform you via this complaint submission option. 

Sincerely yours, XXXX. XXXX XXXX, VA
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAL XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX Single family I have never lived at these addresses!!!!!!!
Product: Debt collection

In XX/XX/XXXX, I received a bill from XXXX XXXX in the amount of {$35.00}. This was in error. I was owed a refund of {$35.00} from XXXX failure to correctly bill my insurance in XX/XX/XXXX. XXXX failed to include the correct authorization in their submission to my insurance carrier. XXXX confirmed their mistake in a recorded phone call with XXXX XXXX XXXX representative XXXX XXXX, XXXX Representative XXXX, and myself on XX/XX/XXXX and stated that they would resubmit the charge with the correct authorization number and refund the {$35.00} to me within 4 weeks. However, XXXX failed yet again to submit the charge to XXXX XXXX XXXX. I attempted to follow up with XXXX in a phone call in mid-XXXX and was repeatedly hung up on by XXXX customer service. I contacted my credit card company to dispute the {$35.00} charge that XXXX should have already refunded by that time, and on XX/XX/XXXX my credit card company resolved the dispute after giving XXXX the opportunity to challenge the chargeback. 

On XX/XX/XXXX XXXX XXXX XXXX Quality Specialist XXXX XXXX acknowledged in an email to me, XXXX error and confirmed that I no longer owed anything to XXXX and that my account balance would be recalled from collections with no impact to my credit and no balance due. 

On XX/XX/XXXX ARstrat , LLC sent me a collection notice for the erroneous {$35.00} charge that XXXX has previously recalled from collections.
Product: Checking or savings account

XX/XX/XXXX I opened an account with Chase ( Checking ). The account was then closed after I deposited Bank Checks from XXXX. 
Since then I have called many many times. Been given instructions such as prove who you are. Get XXXX to verify they sent the checks and Go to a branch and bring them your license. I have done all of these things. I now owe the IRS money and chase remains steadfast on keeping my funds ( primarily an award from the XXXX fund for being a volunteer at ground zero. Which I proved to them.

I recently called and requested my irs statement for the money they are holding. They said XXXX wont verify the checks. I had chase a typical 3 hour wait for assistance and XXXX on the phone together. XXXX refused to verify the check because they are bank checks. 
They have my funds and are paying me no interest on it since XX/XX/XXXX. 

I complained to the state banking dept, had lawyers call. And the best response I get is. I have to SUE THEM FOR MY MONEY., if you can not help I guess I have no choice. But why? If the money was stolen someone would have reclaimed it by now. I asked them to send it back to XXXX if they dont want it. They refused. Why shouldnt I get the same interest irs gets from me for filing late? 
Anyway please help me. 

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

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Based on, 15 U.S. Code 1681c2 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 alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my dad have the same name he is XXXX, and i am the XXXX. He has an account with XXXX XXXX XXXX XXXX that is in collections and showing up on my report.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per CDIA! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX