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

CREDIT BUREAU : TRANS UNION/ TRANS UNION LLC FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : 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 TRANS UNION/ TRANS UNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLCTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. TRANS UNION/ TRANS UNION LLC HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the XXXX and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. 
I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that JPMCB CARD SERVICES unlawfully reported an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

JPMCB - CARD SERVICE 10/13/2021 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my personal information with transunion. They did nothing. Provided proof of identity theft and my correct address yet I still see address that arent mine resulting in account that were created by the fraudulent person being listed. 

Addresses that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, la XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX AND EQUIFAX HAS FAILED comply with the FCRA, despite having been notified, constitutes willful noncompliance as outlined under 15 U.S. Code 1681n.THIS IS A VIOLATION OF THE FOLLOWING FCRA LAWS FCRA Section 1681b- Restricts access to credit reports only to those with a PERMISSIBLE PURPOSE FCRA Section 1681i - Requires credit reporting agencies to investigate and correct disputed information within a reasonable time.

FCRA Sections 1681n and 1681o- Outline civil liabilities for willful and negligent noncompliance with the FCRA . 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach. These accounts listed do not belong to me. 

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

Hi my name is XXXX XXXX. Recently my step dad had a XXXX   XXXX and my mom who is XXXX weighing XXXX XXXX lbs had to take care of him alone for over 1 yr. when we found out there was no care taker for him, my husband and I moved closer to help. We eventually had to send him to XXXX XXXX because of his XXXX XXXX. Long story short, we tried getting my mom an XXXX XXXX XXXX ect via a personal loan only to be denied over and over. I was told that you could get into your XXXX/ trans union and look at your report. I ended up finding about 4 accounts that had went to collection. At that point, I immediately paid all of them in full. I told them all what my hardship was and begged hem to take it off my reports after I paid them. They said it cold take up to 60 days. In the meantime, XXXX XXXX XXXX " XXXX original creditor " XXXX, had settled my whole Dept with he in the amount of {$300.00} '. I had asked them to remove it from my XXXX/trans union/ and my XXXX report, and instead of showing paid in full, {$300.00} they re opened a revolving account saying that I actually owed them {$300.00}. I have tried numerous times to resolve these issues and they refuse to help which has really damaged my report all over again because all reporting agency 's re opened this account. I would like for this to be resolved immediately so I can at least apply for a personal loan to help my mother~ XXXX XXXX XXXX XXXX has damaged my credit ...
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act, this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says I have the right to Privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666B, A creditor may not treat payments on a credit account under an open and consumer plan as late for any purpose Please remove the following account that I have never given my written instructions to refurnish thank you! 


XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$88.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX  XXXX Balance : {$460.00} XXXX  XXXX Balance : {$860.00}. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The Company FCI Lender Services Inc. From XX/XX/XXXX has been predatory lending on this Loan that was transferred to there company at he time to begin servicing the loan when in fact the property is PAID IN FULL upon XXXX XXXX XXXX XXXX on XX/XX/XXXX from A Life Insurance Policy information submitted by XXXX XXXX XXXX on two separate dates XX/XX/XXXX and XX/XX/XXXX and by XXXX Mortgage XXXX and FCI Lender Services Inc . Both Companies negligence is a result of an outstanding and ongoing XXXX Mortgage in the amount of {$420000.00} with court cost and added fees. Ive reached out to both companies and neither will accept or return my calls or emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

As recently notified, I am a victim of identity theft
Product: Debt collection

XX/XX/14 called Atg credit llc spoke with XXXX and he said I owed XXXX dollars he said it was a recording call and when I told him I contacted original collectors he got very defensive and his tone increased and was very unprofessional. Then he pretty much threatened by making a statement that if I dont pay he would just report it to the credit buero and laughed, this is all recorded as well. I informed that theres no proof of this bill owed with the original creditors and it was a messy call. Point is this needs to get removed off my account as there is no account that was sent to them from whom they claim sent it and I never received any mail. This is uncalled for and this person working as a credit debt collector for that agency should be fired. Making threats and not keeping the call professional and making it personal is just absurd and the fact that I reached out to contact the original creditor company and there is nothing is just mind blowing yet the collection agency says that there is, well where is the proof?
Product: Debt collection

XXXX alleges that I owe {$740.00}. They are reporting false and inaccurate information. I have no account with XXXX XXXX XXXX XXXX XXXX, nor do I have an account with XXXX XXXX XXXXXXXX XXXX XXXX I requested debt validation from XXXX which I never received. Therefore XXXX is in violation of federal laws.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account Number : XXXX  Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX master card there was fraud charge on XX/XX/2017 four charges in one day the same store in XXXX and I received text massage to approve or decline I decline in the same time and I received a phone call from the credit card company and I told them I didn't purchase anything that day from XXXX and they told me they will investigate in 90 days and after 90 days they sent me bill to pay all fraud payment and on XX/XX/XXXX my car was opened by unknown and took a lot of staff and l report the same day and I have police report but the customer service lady was very rude and she disrespect me like criminal instead of solve the problem after that I went to police station again and told the story they told me bring all credit card statement and we will write letter to them I did. 
after all this the damage my credit history from credit biro and still I didn't get resolve XXXX
Product: Credit reporting or other personal consumer reports

LVNV has not provided an original service contract and is Reporting Revolving Accounts And Collections to my SSN including but not limited to XXXX, XXXX and XXXX causing etensive damage in the middle of me closing on a home. This burden will place me and my 3 children without a home thus becoming homelessness.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Fraudulent XXXX Account Due to Identity Theft ( Corrections to a similar complaint that was sent ) To Whom It XXXX Concern, I am writing to formally dispute the inclusion of a XXXX account on my credit report, which I believe is the result of identity theft. The residential address linked to this account is not mine and does not appear anywhere on my credit report. Additionally, I was a victim of the XXXX data breach, which exposed my personal information and has since made me vulnerable to identity theft. 

At XXXX point, my mail was diverted from my correct address to another location without my authorization. Upon discovering this issue, I promptly resolved it with the U.S. Postal Service. Despite my efforts, it seems that this unauthorized activity has resulted in fraudulent accounts being opened in my name. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( c ) ( 2 ), credit reporting agencies are required to block information resulting from identity theft within XXXX business days of receiving a proper request. I am once again submitting a copy of my completed Identity Theft Affidavit and supporting documentation to confirm my identity and the fraudulent nature of this account. 

Additionally, case law supports my position. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized the duty of credit reporting agencies to ensure the accuracy of consumer reports, particularly when informed of inaccuracies. Further, in XXXX v. Experian XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX. XXXX, XXXX ), the court affirmed that credit bureaus must promptly act to correct errors and protect consumers under the FCRA. 

Given this context, I demand that Experian : Immediately block the reporting of the fraudulent XXXX account in compliance with FCRA Section 605B ( c ) ( 2 ). 

Provide written confirmation that the account has been removed from my credit report. 

Cease any further reporting of this fraudulent account to other credit bureaus or creditors. 

I trust that Experian will act promptly to correct this matter. Failure to comply with the FCRA requirements XXXX leave me with no choice but to escalate this issue further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action if necessary. 

Thank you for your immediate attention to this matter. So, basically what happened is that some one opened up an account with XXXX using my particulars and then diverted the mail to there address as I never got or used a card from XXXX. The law clearly states that since I am a victim of identity theft and fraud then this item should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

This is my first requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have been checked my credit report and I see a couple of things in my credit that I did not recognize. 
01- date XX/XX/XXXX XXXX XXXX XXXX XXXX total amount {$5200.00} 02- Date XX/XX/XXXX XXXX XXXX total amount {$600.00} 03- Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX total amount {$2100.00}
Product: Credit card or prepaid card

XXXX capital one XXXX refused to remove a XXXX $ late fee for a bill that was XXXX $ I was sick for a week, I have always kept my XXXX payed up and never had a late fee. This month i was 3 days late login in to the website, because i had been sick. I payed the balance of XXXX $ and called them to remove the late fee, they refused. I canceled the CC instantly. Banks and leading institutions continue to XXXX the poor while making the XXXX more money then they could possibly spend. This is the reason nobody cares about the planet we live on. when the day comes that we are all fighting over cockroaches to eat, you will know that the banks and the rich are to blame. I KNOW it all ready and so do most.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention Credit Bureau Management : I am a XXXX veteran. I am unable to work due to my XXXX. I have been in deferment for quite some time. I am trying to purchase a house and all 3 credit bureaus has late payments that is holding me back. 
Account # XXXX XXXX shows : XXXX of XXXX  180 days late, XXXX of XXXX  180 days late, XXXX of XXXX  180 days late. 

XXXX shows : XXXX XXXX  120 days late, XXXX XXXX 120 days late, XXXX XXXX 120 days late XXXX shows : XXXX XXXX 120 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

I was viewing my consumer report and noticed accounts, names, inquiries, and addresses that I do not recognize I did not give any person or company permission to furnish anything on my consumer report. These companies are in direct violation of the fcra and the fdcpa according to 15 usc 1681 ( b ) ( 2 ) these companies need my permission to furnish my personal information on my consumer report which they do not have. They also violated my right to privacy according to 15 usc 1681 ( a ) ( 4 ) These companies know the law and they are blatantly disregarding federal law while knowing and understanding 15 usc 1611. I demand these companies removed all disputed and inaccurate information on my consumer report.
Product: Checking or savings account

On XX/XX/year>, XXXX XXXX sent an ACH request to Citi to have the full amount from Citi Accelerate Savings be sent to my account at XXXX XXXX. No one at Citi contacted me and after visiting the Citi website today, the Citi website only showed a XXXX deposit from XXXX XXXX to the Citi Accelerate Savings account. After a long chat session, I was told by XXXX that Citi will only allow transfers of {$50000.00} once a month. Citi is denying my request to move the entire amount which was {$180000.00} on XXXX.
Product: Debt collection

Despite submitting copious documentation proving the fraudulent nature of these accounts, your bureau seems content to let them fester on my report without any valid verification or effort to rectify the situation. This negligence on your part is not only unacceptable but also a blatant violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting. I was the victim & Im not sure why the FCRA is not complying with the law. Allowing these fraudulent accounts to stained my credit report and decreases my credit score has caused too much distress. 
XXXX  XXXX XXXX XXXX DELETE!!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!!! 
XXXX XXXX XXXX PLEASE DELETE!!!! 
XXXXXXXX XXXX XXXX PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX XXXX DELETE!!!! 

I demand immediate action to rectify this situation and a thorough explanation as to why your bureau allowed these fraudulent accounts to exist without proper verification. The burden of proof lies with you, and your lack of diligence in ensuring the accuracy of my credit report is inexcusable.
Product: Credit reporting or other personal consumer reports

Im seeing this United auto credit on my report and Im. Not aware of this I have asked them for more information and they have beat around the bush for this information I see its someone else on this loan that I am not aware of I need to see ALL original documents from this file with UNITED AUTO CREDIT IF I CANT SEE THE DOCUMENT I DEMAND THIS BE DELETED FROM ALL THREE OF THE CREDIT BUREAU. AS THIS INFORMATION ISNT CORRECT. THE PERSON YOU HAVE ON THIS LOAN I DONT KNOW THEM AT ALL. Did I come into United auto credit and get this car how was this car purchase
Product: Credit reporting or other personal consumer reports

Transunion has been notified that my information was involved in a data breach numerous times and have failed to protect my information and privacy. I have sent multiple dispute requests via certified mail and have not received proper investigation into the accounts or inquires that were listed. I have contacted the creditors as well and they have been of no assistance.