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

At the beginning of XXXX, I had massive attempts at identity theft. I submitted disputes to Transunion for the removal of the unauthorized inquiries and provided the required documentation to remove the fraud, i.e. FTC Affidavit. 

After numerous attempts to get the inquiries removed unsuccessfully, I submitted a complaint through the CFPB to Transunion. Transunion responded that they had removed the inquiries from my credit report, however to date, those inquiries are still present on the report. 

My last communication with Transunion about the inquiries in question was XX/XX/year>. On XX/XX/year>, Transunion told me via telephone that the inquiries were no longer there. However, they are visible to me and to the public. 

Please see the below inquiries that Transunion reported to the CFPB were removed from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX BANK XXXX Balance {$4400.00} ; XXXX XXXX BANK XXXX XXXX XXXX {$1900.00} ; XXXX XXXX XXXX Balance {$300.00} ; XXXX BANK XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Cash app. 
Im not sure if i have specific dates. 
Paid alot of fees
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX OF XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ok I deposited a check that I got from an accident I was involved into my father in law account cause I didn't have any account under my name, I was XXXX, then the check went thru but few days after that they close his account and hold that funds, they told me they need to verify my identity but refuse to accept a social security or any ID they just verify this thru a phone line which I git I opened a phone line with my social and ID and they still.saud they can't verify me I called at least 20 times asking them for any advice on what to do I did all they asked me to do and still it makes no sense why I can't get my money back pleas help me resolve this I had no parents and my father in law was the only one helping me thru this I don't wan na mess him up he is so nice to me and now he's in a hole cause they hold these funds from his own monwy... thanks everybody ... i am XXXX the account the funds are on hold are on my father in law name XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Experian Dispute Department, I am writing to formally notify you that my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ) have been violated in relation to the reporting and handling of my account.

Violation of Privacy ( 15 U.S.C. 1681 Section 602 ) : The FCRA, specifically 15 U.S.C. 1681 Section 602, establishes that consumers have a right to privacy regarding their personal financial information. It is my belief that this right has been infringed upon, as the reporting of my account details has not been handled in a manner consistent with the privacy protections provided under the law. 

Improper Furnishing of Information ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish any account information without the consumers explicit written instructions. I did not authorize the sharing or reporting of this account, and I request that any unauthorized furnishing of my account information be addressed immediately. 

Violation of Payment Handling ( 15 U.S.C. 1666b ) : According to 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment was made in a timely manner. I believe that my account has been incorrectly reported as having a late payment, despite compliance with the required payment terms. I request that you correct this reporting error as it violates federal law and unfairly impacts my credit report. 

XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I ask that you take immediate action to address these violations by : Removing any inaccurate late payment information from my credit report. 
Ceasing the unauthorized furnishing of my account information. 
Providing written confirmation of the actions taken to correct these violations.

Failure to address these issues promptly may result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have sent letters requesting account verification on the XXXX/XXXX account reporting negatively on my Experian report. Each time, I have received a response noting that the account has been verified without any supporting documentation. On XX/XX/XXXX, I filed a formal complaint through CFPB with XXXX disputing the inaccuracies on this account. On XX/XX/XXXX, XXXX responded, " It is important to note that XXXX  did not report any negative tradelines regarding Ms. XXXX or her account to the credit bureaus. On XX/XX/XXXX, XXXX ceased any further collections and returned the account. XXXX hopes this resolves Ms. XXXX complaint. '' After the availability of Experian 's XX/XX/XXXX credit reporting, the account again appeared on my report. On XX/XX/XXXX, I called the original creditor to inquire about this XXXX account that is listed on my Experian credit report. I spoke to a customer service representative at XXXX on XX/XX/XXXX. This individual informed me that their company does not collect on the account in questioned, that perhaps, if it was, neither is it with a collection agency. In writing, XXXX XXXX have stated they do not have an application with MY signature on file. How did Experian verify this account without without any documentation? If Experian is unable to perform a reasonable investigation, or they unable to locate the necessary documents to investigate my dispute ; then they are required by the FCRA to remove the negative information from my credit report, which can also include complete removal of the account. 
Please note that XXXX nor XXXX  reports this inaccurate account on their reports for me.
Product: Checking or savings account

Dear CFPB, I am writing to complain about Chase 's handling of a new customer coupon that was promised to me when I opened a new checking account. After I met the requirements, I didn't get the bonus and they told me the coupon was not applied successfully. Below is the details of the issue. 

1. Coupon code not applied successfully : On XX/XX/year>, I visited a Chase Brunch to open a checking and savings account ( see receipt in attachments ). I provided the banker with a promotional email from Chase containing a coupon code. The banker assured me that the code had already been successfully applied and provided a copy of their inner system which shows the applying of the coupon ( see the attachment ). However, despite this, the coupon code was not applied successfully as expected.

2. Coupon expiry and unresolved issue : After completing the requirements for the {$300.00} coupon ( making the direct deposit ), in XXXX, I found the coupon was not reflected in my account. So I called Chase Custom Service, and they told me the coupon was not applied successfully because it had expired. They also shifted responsibilities to each other and asked me to confirm with the branch where I opened the account. However, the coupon was not expiring when I opened the account ( see coupon email screenshots in the attachments ) and the banker has already promised me that it was applied successfully ( she kindly printed the coupon applying screenshot for me. Please see the attachments ). I can not come back to the branch again since I have already to my home ( PA ), but I opened the account in XXXX. 

The entire process has been very time-consuming and very frustrating. I am now missing {$300.00} and the huge time that costs to argue with Chase 's custom service. I notice a lot of people face the same problem as me and I am not the only one. This is not fair to us. We took a lot of time to open the account and put money in the bank but Chase didn't keep their promise.

I strongly urge Chase to address my issue promptly and ensure the promised credit is credited to my account. I lost money and a huge amount of time on it. 

I appreciate your solution to this matter and look forward to a solution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX closed my account but reported a balance to my credit agency when i still have a due date and a closing statement date. I paid that balance but they reported the account at the full balance. I called XXXX XXXXXXXX and recieved confirmation numbers XXXX and XXXX. This information is inaccurate and I request for it to be updated and removed immediately. 
This caused my score to drop and I paid my balanced due.
Product: Debt collection

upon checking my credit report i noticed 3 chase cards on my credit, i requested proof of verification as well as validation including but not limited to a signed contract with my signature. the company has not responded and has not deleted it off my file
Product: Debt collection

XXXX XXXX XXXX Hospital in XXXX XXXX Colorado flatly refused to submit a request for payment to XXXX, even though it was thoroughly explained it was set up as a secondary form of payment. Previously they have a debt that was paid by workmens compensation as still owed also. 
They were repeatedly told to take this matter to the XXXX county court if they wanted to prove their claim, and neglected to do so. 
State Collection in Wisconsin then made false claims about owing this debt, and was also informed about their " CLIENTS '', willful neglect to use the proper channels to answer why they neglect to submit payment to an authorized provider. and to take it to the proper court in Colorado, if they wanted to establish any claim, and they also neglected to obey the law, instead slandering me with their coconspirators XXXX and XXXX, whom willfully and knowingly post these slanderous statements, even though they were informed about this failing to follow the requirements of the Law.
Product: Money transfer, virtual currency, or money service

On going use of personal email and information being used for crypto transactions and trading via Coinbase or impersonation of it
Product: Debt collection

I have been trying to contact this company for 2 years now and they have not responded. They reported a collection on my credit but failed to notify me of the debt. When I found out about the debt via checking my credit report and disputing it through the XXXX major agencies I never received a verification of debt or any proof that the debt was actually owed. They have failed to follow the Florida Statue and took an account without verified action that debt was actually due.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FlagShip Account # XXXX Certified Mail Receipt To Flag Ship : XXXX XXXX XXXX XXXX XXXX XXXX As Defined by The IRS Publication 4681 Even if FLAGSHIP CRD didnt receive a Form 1099-C, they must report canceled debt as gross income on their tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income. 

INCOME/TRANSACTIONS/EXPERIENCES DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
By definition The IRS clearly says a Cancelled or Charge off is income. The reporting of this account as a alleged " debt '' is inaccurate. The account is being furnished inaccurate and this is prohibited by federal law. 

15 U.S.C. 1681s-2 Says consumer reporting agency as a furnisher of information are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately.

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something.

( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; I also mentioned above the Federal Definition of a Consumer Report '' and what it should not include. This inaccurate information is causing actual severe damage to my general reputation, my family, mode of living, and mental health. Also, as you can see in the exclusions, transactions and experiences are not reported on a consumer report, and this is another violation of my rights.

Flagship Credit Acceptance LLC is hereby put on NOTICE that they are furnishing incorrect inaccurate information.

The lender must file Form 1099-C and send me a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity, as discussed earlier in chapter 1.

The above paragraph is taken directly from the IRS 2022 Publication 4681.

This account must be removed.
Product: Credit reporting or other personal consumer reports

Trying to access my credit report from Experian. I forgot the username and Password and the email on file is inaccurate. It is impossible to contact anyone at Experian, as they do not have email, their chat is disabled and their telephone is an endless loop. Therefore, their lack of communication with consumers has essentially locked me out of using credit services. If Experian can not provide a method to communicate to consumers they should not have the power to lock someone out of the use of financial services. 
XXXX
Product: Debt collection

I terminated my lease early with a local apartment complex in XX/XX/2018. They accepted my surrender of the apartment, ( see attached email from XXXX XXXX ) triggering their duty to mitigate damages under applicable Georgia law. Accordingly they cant require me to repay the entire term of the lease when they have leased the property to someone else as of XX/XX/2018. ( See additional email communications confirming relent of apartment on XX/XX/2018 ). 

We were in the process of determining the final amount owed after they re-leased the property ; however, I never received a final account statement telling me what I owe. ( See email attachments ).

I then received a notice from IQ Data International attempting to collect XXXX on behalf of the apartment complex. I had never even been issued a final bill from the complex much less how I wound up in collections. When I asked for an explanation, the IQ Data representative XXXX spoke to me in a derogatory manner and told me I owed the full amount of accelerated rent. I told him lawfully this was not possible under Georgie law because ( 1 ) I never even received a final bill and ( 2 ) the complex accepted surrender of the property and relet it on XX/XX/2018. 

I then contacted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA and they refused to send me copies of the final account statement they allegedly sent me in XX/XX/2018. Instead they sent me screen shots where they supposedly emailed me copies of the final statement. I requested they resend the original emails and the final account statement and received no response. 

IQ Data is increasing the amount I owe to over 7000 and when I spoke with them today their same employee XXXX said lady pay your bills already which was on a recorded line. 

He also told me that even though I was an attorney I didnt understand accelerated rent. 

Again-how you can be in collections over an amount you never received a bill for is beyond me and the failure to provide justification for that amount, continuing to impact my credit and speaking to me in a verbally abusive manner are unlawful. 

IQ Data is pinging my credit every month with late payments and this is my last step before filing civil litigation against both entities.
Product: Debt collection

This isn't the first company attempting to reach out to me regarding a debt from the year of last payment XXXX. I was XXXX XXXX XXXX at the time and had no credit cards, nor was able to get any. I was however contacted and questioned in XXXX about a person who was arrested in another state who had credit cards in my name and others. This debt I believe was from that instance and these companies have been passing the debt around and harassing me daily via mail, calls, and text messages. I have informed the last company who attempted to reach out to me, and I believe they might have sold the debt off to another party and I wish to file this complaint.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer ContrXXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I'm writing this XXXX  again. There are still accounts on my credit report that shouldn't be there even though I sent your company a dispute last month XX/XX/2024 and made it clear which accounts were falsified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid Nordstrom a collection account which was determined to be removed and agreed to be removed. All 3 credit bureaus do not report correct scores correlating with each other. Incorrect scores. I am requesting for corrections to be made on each credit bureau that report the same accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 LCI, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Dear, LCI representative Transunion, your parent company has notified me that they received information of a bankruptcy from LCI, XXXX. 

Refer your knowledge to the Fair Credit Reporting Act Law, subsection 609 - 15 U.S code 1681g - Disclosure to consumers. 

I am requesting a complete file of all the information LCI, XXXX has obtained about an alleged bankruptcy in my name. 

Provide the information on file, the source which LCI , XXXX obtained the information and the recipients of the information. 

I want the identification of a person, court or business, the name of the person, court or business or, if applicable, the trade name ( written in full ) under which such person, court or business conducts business and the address and telephone number of the person, court or business that furnished the bankruptcy that you have on file. 

You are here by put on notice LCI XXXX XXXX. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to PRIVACY. 

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency OR any PERSON/COMPANY can not furnish a account or information without my written instructions and consent. 

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

Each violation is a XXXX dollars when a company breaks the law. 15 U.S code 1681n
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no knowledge of this, and the company proceeded without my approval.
Product: Student loan

In 2011 I was given XXXX bad loans to attend XXXX  university which was overcharging students to attend. The loans have been on forbearance due to high total of loan. I was forced to withdraw due to unable to make payments while in school and have been left with {$17000.00} in student loans. 
I have filed for my loans to be dissolved and handled by the lawsuit by th cfpb and XXXX regarding for profit school. 
They show late payments on my credit report to all three bureaus which has lowered my XXXXredit score