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

Incorrect Information in Credit Report The credit reporting company Experian have an incorrect the Date of Birth on my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding an inaccurate and unknown things on my credit report, Items under my name that is a result of Identity Theft and I have already files the proper documentation for these and.to this day over 45 days later the bureaus but they did not remove them. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly.
Product: Credit reporting or other personal consumer reports

aCCOUNT # XXXX REPORTED TO MY CREDIT ON XX/XX/XXXX AAND i INCLUDED XXXX MY XX/XX/XXXX BANKRUPTCY CASE NUMBER # XXXX THE XXXX XXXX WAS OPENED IN XX/XX/XXXX AND THE XXXX XXXX XXXXXXXX WAS OPENED XX/XX/XXXX AND THEY FILED IT ON THE DAY ( XX/XX/XXXX ) OF MY BANKRUPTCY DISCHARGE ILLEGALLY THESE ITEMS WERE ILLEGALLY REPORTED TO YOUR BUREAU AFTER THE JUDGED DISCHARGED THEM IN MY BANKRUPTCY ON XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Since XXXX of this year, Chase has deducted {$34.00} from my checking account thirty three ( 33 ) times ( including 5 times this week ). That's {$1100.00} despite the fact I'm opted out of overdraft. They're supposed to decline all transactions if I don't have sufficient funds in the account, but they pick and choose which ones to decline. A lot of these charges are for transactions {$50.00} or less! I thought we had a law that curbs these exorbitant fees by these banks?
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several inaccurate items on my credit report including bankruptcy which i have a letter from the courts stating they did not provide this information please assisit me in having this removed from my report
Product: Debt collection

Wrong ss number, does not belong to me, emails and calls wont stop. Asked them to remove.. chat, email, and phone calls made to them to clear this up.. Not mine, they called my work, swore at me, on sundays, and after hours legal. I want it removed off all three credit reports and to be left alone! I have also disputed with all three credit reporting agencies. they have my last four as XXXX i think. so it is not me as the last digit is wrong. going on two years of this.someone mustve used in my name if they did. NOT ME. Said they were an official
Product: Checking or savings account

We got scammed trying to rent a home. Someone was posing as a real landlord. We sent electronic payments through XXXX and the moment that we realized it was a scam we contacted the bank and opened cases for fraud and also informed the police as well as XXXX. The bank credited us {$1500.00} which was half of the money that we lost while they did the investigation. After that it was determined nearly a month later that the charges were not fraudulent and they would not be returning our money and instead would be debiting back the money that they credited us from our account. We sent 90 documents of proof including emails transaction reports text messages and screenshots to the bank along with a letter asking them to reconsider and explaining the scam and fraud. We can not pay our rent at our current home now, have 4 small children and no money. We got completely screwed and the bank wont side with us. Weve been long time customers for 15 years. All transactions were to the same merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX Account # 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

Equifax has failed to fulfill its legal obligation under the fair credit reporting act ( XXXX  ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information unresolved. 

Equifax has not removed the disputed inquires below which was not authorized by me and I don't have any knowledge of them. i am requesting immediate removal of this inquires as Equifax in action violates federal laws and my right as a consumer XX/XX/year> XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/year> XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX
Product: Debt collection

I wrote in XX/XX/XXXX and XX/XX/XXXX to advise RESURGENT CAPITAL SERVICE, that the allege account # XXXX is not mine and to seen a sign contract that they company got from the original creditor XXXX XXXX, I was advise by phone on XX/XX/XXXX at XXXX that they contacted the original creditor and was n't able to validate the account. I advise them that they letters was giving me XXXX. The company advise me they will continue to seen the demand notes to me.
Product: Debt collection

Portfolio Recovery Associates has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Portfolio Recovery Associates provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Portfolio Recovery Associates has failed to provide any original copies of verification obligating myself to this debt. Since Portfolio Recovery Associates has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Unauthorized inquiries : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX and Portfolio Recovery XXXX. The Account Opened is The XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}. The Account Opened is Portfolio Recovery XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$18000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit Card that is being reported on all 3 credit bureaus, EXPERIAN XXXX AND XXXX.
Product: Credit card

In XX/XX/2023 I paid off my account with Citi Card XXXX in the amount of {$220.00}. This was an electronic transfer from my XXXXXXXX XXXX XXXX. 
My XX/XX/XXXX  statement showed no payment, so I paid it again, electronically. And called to report it. My XX/XX/2023 statement showed ( 2 ) credits. I used one credit on XX/XX/2023 and closed the account. In XXXX Citi Card debited my card stating they never received my XX/XX/XXXX  payment. And debited the card. 
I spoke to the disputes department and sent a statement from my bank showing I paid it twice, this included bank accounts, tracking numbers, dates and amounts. This was sent certified mail XX/XX/2023 Track # XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX, MO XXXX. The disputes department received the info but can not find the payment dispite the fact my bank did charge me for the transaction. 
To date Ciri Card has been unable to locate my payment dispite providing them with everything they have requested. 
Now, when I call, they are asking for everything I have already sent AGAIN! They acknowledge receiving my info but cant locate where my payment went?
Product: Credit reporting or other personal consumer reports

i sent letters to XXXX, equifax, and experian about reporting inaccurate information on my credit report, and requesting that they delete the item from my credit report, per 15 usc 1681s-2b. This is really effecting my judgement and XXXX because i can't get things with my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address and names not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation '' auto loan not mine XXXX XXXX XXXX XXXX XXXX XXXXI FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation : other loan not mine XXXX XXXX FCRA Violation accounts not mine remove from account.
Product: Debt collection

I am formally notifying your company that unless the appropriate steps to rectify this situation are taken within 10 days, I will file a complaint with the FTC. Your legal obligation requires a response within 15 days, and failure to do so is a violation. Non-compliance may result in fines up to {$1000.00}. I trust that upon receiving this letter, you will promptly address the issue. Please provide the investigation results for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to cooperate will result in a complaint being filed within 10 days.
Product: Credit reporting or other personal consumer reports

They have failed to investigate my credit profile for months and keep falsely accusing me of being a third party, even though Ive properly verified my identity multiple times. Ive sent several dispute letters with my South Carolina drivers license and a utility bill, and I even paid to send my last one via certified mail just to make sure they got it. 

USPS tracking shows they received my letter on XX/XX/year>, but today, XX/XX/year>, I got a response dated XX/XX/year>, dismissing my dispute without actually investigating. This isnt the first time, its been the same runaround for months. Ive gotten multiple stall letters before, but I misplaced them. This time, I kept the letter because Im fed up. 

On top of that, calling them is useless. I only get an automated message telling me to go to their website, and theres never an option to talk to a real person. Ive done everything Im supposed to, and theyre still ignoring me.

Im tired of the games, and I need the Consumer Financial Protection Bureau to step in. TransUnion needs to do their job, investigate my dispute, and stop making excuses.
Product: Credit reporting or other personal consumer reports

This is my second notice about this fraudulent item that I have already reported to the Federal Trade Commission. This fraudulent item on my credit report is allowing unauthorized access to my credit.
Product: Credit reporting

Today I received a letter from Experian regarding an account reporting incorrectly on my credit report, however I do not agree with their method of collecting or furnishing consumer information. According to Experian the collections account for XXXX was validated however I did not receive anything showing how the account was in fact verified. When I requested validation from the collection agency I asked for HIPAA authorization as well as my signature for services rendered and I did not receive either. What I did receive was a letter with fees and personal medical information which was not actual validation of the account. I would like to see supporting documentation from XXXX as well as XXXX regarding this negative reporting account on my credit file. I would like to see a copy of what steps and documents Experian used to validate this account is in fact my account. This account is negatively affecting my credit report and credit worthiness. It is also making it hard to obtain legitimate credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX XXXX Balance : {$19000.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureaus Dispute Resolution Team, I am writing to dispute an inquiry that appears on my credit report. I recently reviewed my credit report and noticed an inquiry made by XXXX XXXX on [ date ]. However, I do not recall authorizing this inquiry or applying for any new credit with XXXX XXXX around that time. Details of the inquiry are as follows : Date of Inquiry : XX/XX/2024 XXXX : XXXX XXXX Inquiry Type : Hard inquiry I kindly request that you investigate this matter and provide me with detailed information regarding the purpose and basis for this inquiry. Additionally, please provide any supporting documentation related to the inquiry. If this inquiry was conducted without my explicit consent, I request that it be promptly removed from my credit report. I understand the importance of accurate credit reporting, and I believe resolving this matter is crucial for maintaining the integrity of my credit profile. Please send me a written response acknowledging the receipt of this dispute letter and informing me of the steps taken to investigate and resolve the issue. You can reach me at XXXX or XXXX to discuss any further information or documentation required. Thank you for your prompt attention to this matter. I look forward to a timely resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX  XXXX XXXX Account Number : XXXX 2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX 3. Identity Theft XXXX XXXX Account Number : XXXX 4. Identity Theft XXXX  XXXX Account Number : XXXX 5. Identity Theft XXXX  XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ccordance with the fair credit Reporting act XXXX Account # 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. 
15 USC 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.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was sentenced to 15 years in prison. I was released this year 2024. My social security card, ID, and birth certificate were left in my home at that time of my arrest and someone stole it. Someone has been using my information to open bank accounts, credit cards, get car loans etc... None of this has been with my permission. There were a few accounts that I gave power of attorney for but none of the ones listed in this complaint. All of the items should be removed. I was incarcerated and therefore none of these accounts belong to me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 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

On XX/XX/2018, I submitted a complaint to Transunion via the CFPB Complaint Portal stating that I sent one letter to the credit bureau on 3 separate occasions on XXXX, XX/XX/2018 and XX/XX/2018. Each time, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for collection accounts listed below that are reporting on my credit report. The credit bureau each time has failed to provide such proof. The complaint number on CFPB is XXXX. 

Transunion responded on XX/XX/2018 stating We do not provide dispute verification responses received from creditors. This response is not only unsatisfactory, it is non compliant and as a credit bureau, Transunion is not following the law. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), as a credit agency, Transunion is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that Transunion has on file of the accounts listed below. Under the FCRA, unverified accounts must be removed and if Transunion is unable to provide me a copy of verifiable proof, Transunion must remove the accounts listed below. Again, if Transunion can not provide Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts you have on file listed below, I demand these accounts be removed immediately. 

This complaint is my earnest attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. 

To provide absolute clarity and to leave no further excuses or error for Transunion, I am specifically disputing the items below that include the account names and numbers : 1. XXXX XXXX   - # XXXX 2. PORTFOLIO RECOVERY # XXXX 3. XXXX XXXX   - # XXXX Additionally, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thank you.