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

Credit bureau refusing to investigate and company canceled the debt Re : Failure to investigate fraudulent, outdated errors reporting on my credit report as required by FCRA and CFPB consumer laws XXXX XXXX  XXXX I wrote the credit bureaus in XXXX and again in XXXX and asked them to investigate an Error reporting on my credit report XXXX  XXXX  XXXX, instead they refused to investigate and simply sent a blanket statement stating Consumer disputes resolved. Meanwhile I wrote XXXX XXXX  and asked that by law they provide evidence of the error they were reporting on my credit file was a debt that belonged to me. Once they could not provide they issued a cancellation of debt 1099 income form to the IRS and said that I did not owe for the error debt that was reporting on my name. I disputed this cancellation of debt with the IRS who said I did not owe as income the cancellation of debt and then repeatedly wrote you explaining how the information was being reported incorrectly. 

I wrote the bureaus again in XXXX and XXXX and Instead of the credit bureaus investigating as required by law, the FCRA and CFPB consumer laws, they sent another canned response saying Consumer disputes previously resolved. Except that is not sufficient by law. They let this error affect my credit history for over 70 months without looking at the proof that was sent. 

How can I have a balance of {$7500.00} but the company cancelled the debt. 
How can the credit bureaus wrongfully in error report a debt that not only doesnt belong to me, but that was file as a cancellation of debt with the IRS XXXX 
How can the credit bureaus report a late payment, say this it at 100 % and a balance owed when the company themselves could not provide proof that this debt belonged to me. How can the company claim this as a loss to the IRS yet the credit bureaus allow them to erroneously attempt to collect a debt that not only didnt belong to me, but they paid less taxes on filing their books and corporate taxes. How could it be erroneous income to me, a loss to this company and a gain for them to try to collect a debt that doesnt belong to me. For years the credit bureaus allowed them to negatively cause me harm. Causing damages to me. 

Furthermore such collections are against Federal and the State laws of California and you have violated my rights for more years greater than the California statue affecting its residents. The credit bureaus continuously allowed this to affect, harm me and cause damage to me despite me writing and providing proof to them since XXXX. 

How is any of this legal? 
How is it legal for me exercising my rights by law asking the credit bureaus to investigate and them reply with a canned response that it was previously investigated and consumer disagrees ; then proceed to ignore and refuse to investigate further. 
How many other consumers have suffered at the hand of the credit bureaus for failing to investigate as well? 

I am asking that the credit bureaus remove this erroneous account from under my name ASAP. 


*IRS proof attached XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am reaching out for help as i was a victim or identity theft.. I have a family of 4 and have been attempting to get erroneous account removed off of my TRANSUNION and XXXX  credit report for years now. Please see the below listed experiences that someone has fraudulently open with my information listed in no specific order. 

TransUnion : XXXX XXXX credit card charge off of {$800.00} account opened fraudulently XX/XX/XXXX XXXX XXXX is reporting an account that was listed in a XXXX bankruptcy and must be removed from all reporting per the FCRA ss 609 laws. 

XXXX XXXX XXXX was an account that was also listed in a bankruptcy in XXXX and again must be removed from all reporting per the FCRA ss 609 laws. 

XXXX  : XXXX  XXXX XXXX XXXX is reporting fraudulent auto title loans bills listed as purchased debt of {$690.00} for an account that was opened incorrectly as per the identity theft case listed for TransUnion and must be removed from all reporting per the FCRA ss 609 laws XXXX XXXX CO is reporting fraudulent medical bills listed as purchased debt of {$500.00} for an account where i have never even visited as per the identity theft case listed for TransUnion and must be removed from all reporting per the FCRA ss 609 laws XXXX  and Transunion has both listed bankruptcy 's listed on my report that have been discharged since XX/XX/XXXX. They are also reporting a duplicate bankruptcy as well which dated XX/XX/XXXX which is impossible granted the 7 year mandatory resolution time. The bankruptcy was never even filed and needs to be removed per the FCRA ss 609 laws. 

As part of the identity theft during the same time period there were countless hard inquiries made into the Transunion and XXXX  platform for people attempting to obtain credit cards per the FCRA ss 609 these are fraudulent inquiries and unverifiable and must be removed immediately. 

We have spent countless hours and money attempting to work with these reporting companies only to get no help. 

Please help resolve the matter at your earliest conveinence.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) .XXXX XXXX XXXX Account XXXX Balance : {$1900.00} Most be deleted 2 ) .XXXX XXXX XXXX  XXXX Account XXXX Balance : {$9100.00} Most be deleted TransUnion is reporting these companies listed above on my credit report for almost 10 years now. I do not know these companies nor have I ever had any businesses with these companies. These companies do not have any contract with my signature or proof that they have any account on file with my name on it. TransUnion most Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years. By law, credit bureaus are only allowed to list negative items for a certain amount of time. These accounts most be DELETED NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXXXXXX now.with no help.
Product: Credit reporting

This information was removed back in XXXX 2015 and then now, XXXX months later it is reappearing!
Product: Credit reporting or other personal consumer reports

Unresolved Issues with Experian Credit Report Due to Blurry ID Upload I am writing to file a formal complaint regarding my ongoing issues with accessing my credit report through the Experian website. On XX/XX/year>, I uploaded my driver 's license as required to resolve this issue. Despite this, I am still unable to view my credit score or update my credit report. 

When I called Experian customer service, I was informed that my ID appears blurry. However, on my end, the image is clear. And after I have uploaded my ID a specialist updated my middle name which they got from my ID, so advising that the image is blurry is asinine. I have made multiple attempts to rectify this by calling their customer service. Unfortunately, I am continually directed to an automated system that only offers self-help options. There is no available prompt to speak directly with a representative, and each time I am rerouted, it returns me to the automated system. 

This situation is extremely frustrating and seems unfair, particularly as these issues only arose after I began disputing items on my credit report. I am seeking assistance from the CFPB to resolve this matter as quickly as possible.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. According to section 604 of THE FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not can not find any permissible purpose under this section that justifies their presence on my report, DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX should not be reporting to XXXX  and Transunion that I am ( 30 days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I made arrangements for deferment under the CARES ACT with XXXX XXXX and they assured me that no lates would report to the bureaus on this account. XXXX XXXX did no honor our agreement. I was not aware that these lates were reporting until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score. This is a violation of the CARES ACT in addition to being a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these lates be removed. I have contacted the bureaus as well as XXXX XXXX to correct this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1990 Credit Bureau Name : XXXX, XXXX and XXXX. 

XXXX : XXXX XXXX XXXX, XXXX, tx XXXX XXXX : XXXX XXXX XXXX # XXXX, XXXX XXXX, nv XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX To whom it may concern, I am writing you because you are reporting increase on my credit port, that I do not recall please see items list the below : Creditor name : XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Capital one auto, XXXX XXXX XXXX XXXX, XXXX dealer, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, capital one auto, XXXX XXXX, XXXX XXXX XXXX ; l, Capital One, XXXX, XXXX XXXX, XXXXXXXX XXXX  Please forward me any documentation, providing proof I apply for credit with this creditors. If you can not provide such documentation, then please remove inquiries from my credit file immediately sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The national consume reporting agencies collectively have been reporting erroneous claims on my consumer report that have been detrimental to my credit worthiness and oppressive financially.

According to the FCRA 15 USC 1681a ( 4 ) consumers have a right to privacy and there is a need to ensure that consumer reporting agencies respect that right to privacy. Additionally a consumer report can only consist of information that these companies have a permissible purpose prescribed by law thats verifiable and I have not seen such. If I have ever given consent for any of the disputed accounts to report I revoke that consent and do not wish to continue to allow neither the consumer reporting agencies nor the corporations to report this against my will as they are detrimental to me operating in commerce. Credit reporting has been ruled an attempt to collect a debt as well. Any further reporting will be seen as violations of both FCRA and FDCPA. 

Please see the attached letters that were manually mailed directly to each reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be immediately blocked and deleted from my credit report. These accounts were the result of unauthorized activity and should not appear on my credit file. 
Accounts : XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$32000.00} XXXX. XXXXXXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$16000.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$32000.00} XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2400.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$11000.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$380.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$14000.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$28000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting an inaccurate information on all three of my credit reports they have accounts open and closed on each different credit report previously XXXX XXXX, and XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My name is XXXX XXXX, and when I was applying for a loan, I was told that I already had a loan that was in debt. So I checked the court records and noticed that XXXX XXXX took a loan out for {$2100.00} in my marriedname, XXXX XXXX, which changed in XXXX and this loan was taken out XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 10 months I mailed dispute letters to XXXX, Equifax, and XXXX regarding the correction of several inaccuracies on the following accounts XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - xx Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on it's now XX/XX/20 directly to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX In accordance to 15 U.S. Code 1692g XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. As of today, the credit reporting agencies ( XXXX, Equifax, and XXXX ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SHEFFIELD FN and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SHEFFIELD FN and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

On XX/XX/2022 I opened a Chase Bank checking account after being presented with this offer : https : //account.chase.comXXXX XXXXXXXXXXXX XXXX XXXX It's for a {$220.00} bonus for opening a new account and having a direct deposit made within 30 days. I have read the fine print and have confirmed with multiple chase representatives that I do in fact qualify for the offer. The deposit was made within a week of my opening the account. After not receiving the bonus, I called and asked about it, and was told there is no " coupon code '' applied to my account. I specifically remember entering the code into the online form when setting up my account. 

I was advised to go to the nearest Chase branch to resolve my issue. I drove over an hour to get to this branch where I was told there was nothing they could do as I had opened my account online. I was given a research number and was promised that a Chase rep would call me within 3-5 days.

A week later I called and was told there's no word from the research time, and that they'd call me by EOD the following day. Three days later I called and was assured they would call me soon. Two days later I called and was assured they would call me soon. Three days later I was promised a manager ( not necessarily on the research team ) would call me by EOD. I did not receive a single phone call. I still have yet to receive my bonus and no Chase rep has any idea when I might.

For the record, every representative I've spoken to has been polite and understanding, and I have been pleasant as well. This seems to be a communication issue in Chase 's institution more than anything else. Still I feel I have been treated quite poorly by Chase as an institution and can not believe that it's requiring this much time and effort to give me the bonus that every rep has acknowledged I qualify for. I feel as if I have been deceived into opening an account at a bank that hates me.
Product: Credit card

Several years ago, American Express enrolled me in a " pay over time '' program in exchange for them giving me some quantify of Amex points, which are redeemable for certain benefits. I did not initiate the discussion about this program - my best guess is that it was a cold call or brought up in conjunction with a call to resolve an unrelated issue. At the " point of sale, '' I was told that this would not result in any additional charges to me as the consumer. At some point between XXXX XXXX and XXXX XXXX ( which is my best guess - and Amex has no record of when it was ), I realized that Amex had automatically been placing certain charges into this " pay over time '' category, and which led to the accrual of significant interest, whereas I would have just preferred to pay the entire charge at one time and avoid any and all interest. I was not told this would happen when I was enrolled in this program, as I clearly remember being told that no additional charges would result from this and that it was a great way to get more rewards points, which is why I should enroll. When I made the realization that the point of sale representation was false, I demanded that I immediately be disenrolled in the program, and on that same call I was told I was disenrolled from the program. Recently, I noticed the same charges on my card, reflecting that I had NOT been disenrolled as promised. When I called to complain, I was told that, in fact, I had never been disenrolled and was now enrolled in XXXX " pay as you go/pay over time '' programs, neither of which I consented to. Amex reversed the most recent charges, and I asked that an investigation be started to determine ( i ) why I had n't been disenrolled in the first instance, ( ii ) identification and reversal of all charges owing to this program, ( iii ) confirmation of complete and total disenrollment from any pay over time / pay as you go program. In the meantime, I searched my account records back to XXXX XXXX ( which is as far back as I could go on the Amex online system ) and saw that from XXXX XXXX to present, charges of more than {$1100.00} had accrued owing to these programs. After a two week investigation, Amex told me ( 1 ) they could not identify when I was enrolled ; ( 2 ) they could not determine if or when I was disenrolled ; ( 3 ) they could not determine the amount of charges at issue ; and ( 4 ) they could not determine how or why or when I was re-enrolled in the initial program or enrolled in a new similar program. Amex refused to take any corrective action because " there was a time when charges did not accrue, so you must have been disenrolled at some point. '' I requested the investigation be reopened and escalated, and was told Amex was unwilling to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying for a monitoring service from XXXX XXXX XXXXXXXX for the past 2 years and I have not been able to get all 3 scores only XXXX .... but I am still being charged every month. Despite the excessive hold time .... I still call them and I am being told that Equifax does not have my correct social security number. I have called Equifax and they have not been able to assist me even after I have sent them a copy of my social security card and my DL. I can't get my score from XXXX either.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX violated my rights. This account is involved in litigation. It has lingered on my credit report for over a year. I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists pursuant to 18 USC 8 I owe no debt This company is violating my consumer right to privacy pursuant to 15 USC 1681-B2 Company has no permission to report my information per 15 USC 1681-4