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

Transunion has three collections accounts for XXXX XXXX. XXXX has no collections accounts for XXXX XXXX. In addition, one of Transunion Collections Accounts is for the same account dollar amount and with the same original company being owed {$63.00}. This is obviously a duplicate account. 

XXXX account is for XX/XX/2017 from XXXX XXXX for {$63.00}. Second collection account for XXXX XXXX is for exactly the same amount of {$63.00} and filed one year after original collection was entered into Transunion system. Obviously a duplicate derogatory account and this is not allowed under federal and state laws. In addition for the same time period, there are no collections activities for XXXX XXXX for the last 7 years. All credit reporting agencies need to report the same collection activties and in this case, the lack of any collections per XXXX for XXXX XXXX- please see attached proof of no collections activities for XXXX XXXX at XXXX.
Product: Debt collection

Receiving alerts, messages and phone calls about a debt that is not mine. I do not have and have never had services that I am being contacted about. I have never lived or visited the location of these debts. It is impacting my credit and my life. I can not provide dates or amounts because they are not my debts.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX  - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, "
Product: Credit reporting or other personal consumer reports

According to my consumer report I pulled on ( XX/XX/XXXX ) I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 16819 ( B ) where it states that I as a consumer would need to give you permission to furnish information on my behalf. To date, I have not granted you or ( XXXX XXXX XXXX ) such authority. 

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted ( XXXX XXXX XXXX ) and the corresponding information is not listed on my consumer report. This account should be promptly updated as ON TIME. 
XXXX XXXX XXXXXXXX, XX/XX/XXXX of listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation per FCRA laws. Please send me any information regarding my request and an updated consumer report showing that the above-mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation.
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 fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX - XXXX XXXX XXXX {$480.00} Account was not verified as according to law, no documents were sent.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency have in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent information on my report that resulted from identity theft. My personal information was compromised without my consent, leading to unauthorized accounts and inquiries listed on my Consumer Report.

In accordance with Section 611 of the Fair Credit Reporting Act ( 15 U.S. Code 1681c2 ), which covers the removal of information related to identity theft within 4 days. 

The fraudulent accounts are XXXX  XXXX ACCOUNT NUMBER XXXX XXXX XXXX- ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXXACCOUNT NUMBER XXXX Please conduct a thorough investigation into these matters and remove the disputed items promptly. 

For your reference, I have attached the following documents : Affidavit, drivers license, social security card, proof of address, and FTC report. 

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$0.00} ; CHILD SUPPORT ENFORCEM XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I mailed payments and paid my medical bills online & this company continues to call me after I 've completely paid this bill.
Product: Debt collection

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the _
Product: Credit reporting, credit repair services, or other personal consumer reports

I just filed my 3rd dispute with TransUnion about the student loans showing on my credit report. I am XXXX XXXX  XXXX through Social Security. I went through XXXX to have my student loans discharged through XXXX XXXX XXXX XXXX ( XXXX ) Discharge. This was granted. My lender XXXX XXXX has my 3 loans closed. XXXX has my loans closed. TransUnion now shows 5 loans ( not 3 ) 2 of which are closed ( and duplicates ) and 3 open. They will not close the loans properly which is falsely reporting I have open Student Loans.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of TransUnion XXXX XXXX XXXX Under 15 U.S. Code 1681 Dear CFPB Representative, I am submitting this formal dispute regarding TransUnions inaccurate and improper reporting on my credit file, which violates 15 U.S. Code 1681 under the Fair Credit Reporting Act ( FCRA ). These errors are negatively impacting my credit standing and must be corrected immediately. 

The following accounts are inaccurately reported : XXXX. XXXX XXXX Bank Reported as negative, despite having a XXXX balance. 


XXXX. Lead Bank Incorrectly listed as negative with a XXXX balance. 


XXXX. XXXX  XXXX Reported as a charge-off with a balance of {$XXXX}, which is incorrect. 


XXXXXXXX XXXX XXXX  Listed negatively even though the balance is XXXX. 


XXXX. XXXX XXXX XXXX XXXX XXXX reported as a charge-off for {$XXXX}. 


XXXX. XXXX XXXX XXXX XXXX ( XXXX Account ) Reported inaccurately with a balance of {$XXXX}. 


XXXX. XXXX  Multiple closed accounts still listed, including XXXX with a {$XXXX} balance. 



TransUnions Vio

lations of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i requires TransUnion to properly reinvestigate disputed information. 15 U.S. Code 1681e ( b ) mandates that credit reporting agencies maintain accurate and verifiable consumer data. These inaccuracies have negatively affected my XXXX XXXX and financial opportunities. 


Requested Action I formally request that the CFPB : XXXX TransUnions failure to accurately report these accounts. 

Ensure TransUnion provides verifiable proof of the accuracy of these reports or removes them immediately. 

Hold TransUnion accountable for compliance with FCRA regulations. 


I expect a written response from the CFPB and TransUnion detailing the findings of the investigation and any corrective actions taken. If TransUnion fails to comply, I am prepared to escalate this matter further, including seeking legal action. 

Please confirm receipt of this dispute and provide guidance on the next steps for resolution. Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

My account was arbitrarily closed by the company without my consent. When I contacted the company I was told there was nothing that could be done.
Product: Checking or savings account

Cash not dispensed from ATM but amount debited from bank account On the morning of XX/XX/2018 around XXXX am I went to a Chase Bank ATM machine to make a withdrawal. I inserted my debit card into the ATM slot, punched my XXXX digit PIN, the ATM make a fluttering sound but no money came out of it. A few minutes later I checked my bank account and saw the ATM transaction for {$600.00} debited from my bank account. I filed a claim with the bank, and Chase refunded the {$600.00} to my account the same business day. Later on in the day, I decided to go into the bank to make a cash withdrawal with a bank teller for {$610.00}. On XX/XX/2018, Chase bank withdrew {$600.00} from my bank account and reversed my claim by denying it. The claim department told me that they checked the data and found no proof of error or malfunctioning with the ATM machine. Chase bank claim department also stated that per their records, the transaction was successful. I asked the claims department if they viewed the ATM surveillance cameras and they told me no.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : XXXX XXXX XXXXXXXX XXXX XXXX Unauthorized INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX is violating my rights by reporting accounts that have reported as charged-off. I have not received a 1099-C from either one of these companies. According to 15 U.S. Code 1692e - False or mislead
ing representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

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

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 an 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, credit repair services, or other personal consumer reports

Equifax  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
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. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Payday loan, title loan, or personal loan

It was too easy to get a loan that I did not want. I clicked a button and suddenly I had a loan, I was only shopping for rates. Now, they sent the money to my creditors and I have to chase around to get the money back even though they say I have 5 days I was told it was too late on the day I was notified it was send. So shady, it seemed like I was just checking rates but now I have to get the money back. Furious! 

I keep asking them to remove the funds from my account and they don't. They are waiting for the time period to lapse so they can charge me the origination fee which is not fair as I am trying to return all their moneys back prior to XX/XX/XXXX.