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

TransUnion was tasked with investigating and running disputes for XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  After making arguments about a disputes items being investigated incorrectly I was transfered to a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX 4. Received fraud reports 5. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and Transunion admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX XXXX. They refused to investigate that file for 2 years even while being requested to do so. 

Transunion incorrect reporting has let to me being denied for my new apartment due to their neglect and refusal to investigate and cross compare results with other agencies. 

Specialist who ignored dispute information is liable for all damages both caused from loss of funds for applications and emotional damage for the discrimination they have acted out.
Product: Debt collection

Crown Asset Management LLC, represented by XXXX, XXXX, XXXX XXXX XXXX XXXX has used multiple predatory tactics in the past violating FDCPA laws trying to collect on a debt that is fraud due to my information being compromised. Although Ive reported the identity theft multiple times and my information was found on the dark web, Crown Asset Management makes an overzealous and predatory action to unilaterally file a lawsuit with improper service. I was never served and found out I was being sued due to multiple defense attorney solicitations in my inbox. Crown Asset Management is using predatory tactics to scam me and scam the court system to obtain a fraudulent bank garnishment for an unauthorized debt. Crown Asset Mamagement LLC has in fact stolen my identity and has been scamming me this whole time and is responsible for my information on the dark web which is why they dont stop their predatory collection efforts. This whole process has caused me to suffer emotionally and has taken a toll on my mental health since my information is being tampered with. It has been extremely difficult due to my credit scores being impacted by fraud due to crown asset management LLC stealing my identity which is currently causing me to suffer a great deal of distress.
Product: Debt collection

I received a call from a man who was well-spoken and professional sounding asking me to be available within the hour to deliver some legal documents that need my signature. I asked what they were concerning, but he said he was just the courier. I asked who requested the delivery and he gave me a phone number to call - XXXX and this is the tracking number for the documents : XXXX. 
I called and was told that Providian, on behalf of Chase, is taking me to court to recover a bad debt of about {$2500.00} and if I paid by phone, I could settle for {$.00} on the dollar. I told her I didn't have any outstanding debts and said she had the wrong person. She read back my full name, my address and the last four digits of my social. I asked where she got that info and she said that it was listed in the legal papers. I knew this was a scam because in 1999 I paid off and cut up all of my credit cards and I didn't live where I am 20 years ago. I have had no credit for more than 20 years. I never had a Chase or Providian card. I told her to tell Chase/Providian to came on ahead and sue me. I am concerned for all the people they call that actually do have those XXXX. Please stop them.
Product: Credit reporting or other personal consumer reports

These inquiries are unrelated to me, and I have no ties to the listed creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third report towards XXXX. When my account was first opened in XXXX, 2016, I was  uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of XXXX and XXXX as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that XXXX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as XXXX refused to help during the time they held my money without authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported incorrect information on my credit file from XXXX XXXX/XXXX  trying to collect on this account I do not owe. This company never sent me any information and I want this account remove immediately. Equifax and XXXX properties and broken the law 15 U.S. Code 1692g.Validation of debts. This company did not send me anything or verify anything. This company purchased a debt that I don't owe and I want it removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is a fraud account as I have never opened or used it : Portfolio Recovery Associates account XXXX Please investigate and delete asap.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts My Birthday Was Incorrect Also it Was XX/XX/XXXX on my credit file they just recently updated it to XX/XX/XXXX. 

Collection Agency XXXX XXXX XXXX XXXXXXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$2800.00} Amount {$3700.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES AFTER RESOLUTION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Original Amount Owed {$770.00} Amount {$770.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification UTILITIES Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX I Original Creditor Name TOTAL ACCESS URGENT CARE Date Assigned XX/XX/XXXX Original Amount Owed {$610.00} Amount {$610.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XXXX XXXX, XXXX
Product: Credit card or prepaid card

I called Chase and spoke to a customer service representative on XX/XX/2022 and then asked to be transferred to a supervisor, spoke to XXXX from the XXXX XXXX, TX service center. She understood my complaint and said the " back-office '' would have to handle it and they would get back to me within 7 calendar days. She asked if I wanted to be called or have a letter sent to me regarding this issue. I requested to be called because I wanted to be certain they understood the issue that occurred. I was given a Chase ref # XXXX and asked for a phone number to contact them and she said they don't have a number I can reach them at to check status of the above reference number and that I had to call the number on the back of my card. I called back today, XX/XX/2022, because I had not received a call from the " back-office '' and it was beyond 7 calendar days. Again, this is yet another process that Chase does to dismiss issues and complaints when it's obvious they have done something that was not aligned with the terms and conditions of the agreement and/or Chase 's standard protocol. The second supervisor I spoke to was XXXX again from the XXXX XXXX, TX.
Product: Mortgage

I was affected by Hurricane Ian. I called US Bank on XX/XX/XXXX to go on a forbearance plan that they offered for natural disasters. On XX/XX/XXXX US Bank sent me a letter detailing the forbearance plan. They said I would not be affected by late charges or late payments towards my credit. They currently have 5 late payments on my account. The forbearance plan is caught up and paid in full. On XX/XX/XXXX I called to have them remove the late payments on my credit report. They denied my request.
Product: Debt collection

I am wrongly being charged an amount of {$710.00} for a account that was in my name seven years ago that was supposed to be canceled and the authorized user without my knowledge kept it open changed the billing address to their address and their number is the only phone number on the account. The only thing on this account is my name and my social, and they racked up debt for nonpayment, the Cell phone company sent this to collections and they are coming For me to pay this persons debt that on the account shows that it is their phone number and their address, and they fraudulently used my name over the phone without my knowledge, though they were an authorized user on the account this account was supposed to be closed In XX/XX/XXXX this person did not cancel out their line and kept it open for seven years and I just recently on XX/XX/XXXX of XXXX noticed a charge on my account. I did not get any notifications that I owed this company money nor did I get any information that went to a collections agency for me to prevent it hitting my credit This should be sent to the person responsible that was on the account using it at their address. I have documentations showing that I have never lived at that address and I have never had XXXX  since XXXX Or any lines associated that I was actively using at this company this was all under the authorized use, her phone number and her address and her email. she fraudulently used my name and my social. I spoke with the phone company and they said that they would send me documentations thru email and they never have also they said that they can not help me any further, even though they know that her line and her address are on this account. They are still going off the fact of their policy, which she was an authorized user, the address on the account was XXXX XXXX XXXX in XXXX Ohio. I have attached documents showing that I have never lived there and my address for XXXX and XXXX and XXXX to show I lived over an hour from that address on file of this debt. Regardless or the t mobile policy I should not have to pay a debt I had no knowledge of or had no notification of having to pay.
Product: Debt collection

In XXXX of XXXX I leased a car from XXXX. Along with my down payment they had offered me a credit card in the amount of {$2500.00} to also use towards the down payment. I told them that I was not interested. I did not want a car payment plus a credit card payment. Gave my down payment signed all the paperwork and drove home in my new car. The spring of XXXX I received a letter from a Law Firm stating that I was being sued for an unpaid debt in the amount of {$2800.00}. I am XXXX so I had my Mom call. She told them that the credit was not mine and that I have never even had a Credit Card. Never heard from them since. I am know looking for a house and I have been unable to even be considered a potential tenet due too a collection on my credit report. After looking more into it I am now finding out that it is the credit card from the XXXX XXXX where I got my car. I never authorized the use of a card. It could of been from the lack of communication due to being XXXX. Plus the corresponding statements that I now have in hand doesn't even have my correct address. This is why I never knew of this situation too even take care of it back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im asking that these accounts be removed at the earliest convenience because they are weighing in on me getting new lines of credit. These accounts are all closed in good standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, U S DEPARTMENT OF ED , U S DEPARTMENT OF ED .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter in the attachments area below. I have sent more than 3 certified letters notarized and your company remains to bare inaccurate information on my credit without my consent and continue reporting inaccurate information basically tells me that no one is doing their job. This is my final attempt, if you could provide me with an original contract document showing my signature. If you cant provide me with an original contract it is a violation of FCRA section 609 and I demand that the inaccurate accounts removed immediately within 24 hours.
Product: Money transfer, virtual currency, or money service

Many of times my money that was on my account disappeared or got scammed. Every time I have tried to get my money back I cant get any help! Of course the people who scammed my account isnt going to return what is owed to me. No customer service and cash app never helped with any money or personal info getting leaked.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft ( SEE ENCLOSED 605B IDENTITY THEFT REPORTS ). I have no knowledge of the accounts contractual agreement with the accounts listed below. XXXX, XXXX, and Experian did not provide the mandated documents required by the Fair Credit Reporting Act and Fair Credit for the accounts listed below : XXXX, XXXX, and Experian has not established evidence of lawful debt or the authenticity or accuracy of a piece of evidence of a lawful binding contract with me namely full disclosure creating credit or specific information such as the original contract ( a statement or photocopy is not a contract pr automated verification ) with my signature supposedly agreeing to payment terms or proof of period billings statements according to FCBA 1666b to report late payments. No proof of contract or statements means no authority to report or collect from me ensuring maximum possible accuracy according to FCRA 607 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Billing Act 1666b requires Experian, XXXX, and XXXX to have physical proof that statements were delivered to my address at least XXXX days before the billing period ends. NOT REPORTING 100 % ACCURATE INFORMATION AS REQUIRED BY SECTION 609 OF the Fair Credit Reporting Act. Change statues from late to paid as agreed on time. 
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

All of the accounts below are showing inaccurate information and delinquencies. There should be nothing late nor listed with the wrong name or account information. 

XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX/XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are attempting to collect money for me for services located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not live in these states nor do I know anyone who does. 
Services were for XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. 
They have filed a derogatory on my Credit Report. Before this attempted collection my credit rating was over XXXX. 
I live in the state of XXXX and have lived here all of my life. I can not live in XXXX places at once. 
Also, I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I work out of XXXX XXXX. I have had 3-4 background checks done. All show my addresses are in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received notification that my TransUnion and XXXX credit scores had dropped by 119 points due to the following : -a transferred XXXX  student loan account -incorrect delinquent payment history reported by XXXX, a third party reporter of XXXX -multiple unauthorized hard inquiries I believe TransUnion and XXXX both denied my requests to dispute the above, violated my privacy by the unauthorized release of my credit reports and took discriminatory action against me with the sharp decline in the calculation of my credit score when XXXX transferred a student loan account to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received a credit report from XXXX that did not include my mortgage with XXXX XXXX XXXX that I have had with them since XX/XX/XXXX. I contacted XXXX and was told to contact my bank. XXXX  told me to tell the bank to be sure to report the information. I contacted the bank and they assured me that my information was being reported. XX/XX/XXXX I received a credit report from XXXX that did not include my mortgage with XXXX XXXX XXXX. I disputed the information with XXXX and received a reply in XX/XX/XXXX that they had contacted the creditor and they had 60 days to dispute the information.

XX/XX/XXXX I received a credit report from TransUnion that did not include my mortgage with XXXX XXXX XXXX. I contacted TransUnion and was told to contact my bank to report the information. I called the bank and was told they are looking into issue.

My mortgage is from XX/XX/XXXX and with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX   my Loan number is XXXX with a balance of {$70000.00} due
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting

i was recently denied credit and i want to start a dispute online using Transunion website. The site keeps denying me access saying that my URL is incorrect. I tried using multiple computers and it seems Transunion has a block on my account
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute inaccuracies in my credit report and to demand compensation for your companys repeated violations of the Fair Credit Reporting Act ( FCRA ). Similar to the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, I am deeply concerned that TransUnion has also failed to properly investigate consumer disputes and may have improperly reinserted inaccurate information on consumer reports. 

Violations Similar to Those Cited by the CFPB The CFPB 's lawsuit against XXXX highlighted practices that are consistent with issues I have experienced with TransUnion, including : Conducting sham investigations : TransUnion, like XXXX, fails to properly address consumer disputes by relying on flawed intake procedures and uncritically accepting responses from furnishers, even when unreliable. 
Improper reinsertion of inaccurate information : TransUnion has reintroduced previously deleted inaccurate information on consumer reports without explanation, potentially due to inadequate matching tools. 
Failure to notify consumers adequately : TransUnion provides notices to consumers that are vague, ambiguous, or incorrect, failing to properly communicate investigation results. 
These practices undermine consumer rights and can significantly harm access to credit, employment, and housing. 

My Dispute I have identified the following inaccuracies in my TransUnion credit report that require immediate correction : ACCOUNTS XXXXXXXX XXXX XXXX XXXX - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 
Despite my previous efforts to address these errors, they persist, and I suspect improper practices by TransUnion have contributed to their continued presence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name XXXX XXXX XXXX, 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 Commission 's identity Theft Affidavit. Please delete the items as soon as possible!
Product: Debt collection

My name is XXXX XXXX and I am submitting this complaint without any influence from a third party agencies. I have not done any business with Jefferson Capital and they do not have any permissible purpose of reporting this to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm never late. The Bank agreed to update this account due to a family tragedy. Please update this account ASAP. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$13000.00}. Please correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit RportingXXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions