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

On XX/XX/20 I received a letter from XXXX XXXX  would remove the public record from my file. They provided me with a letter I forward that letter to the XXXX  and Transunion which continue to state that the bankruptcy is verified and refuse to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX : # XXXX, Account Name : 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 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: Student loan

I contacted nys hesc about my student loans, back in XX/XX/XXXX, at this time i was told upon making my sixth payment it would be reported to the credit bureaus as paying as agreed, I have contacted the credit bureaus, XXXX, XXXX, & XXXX with letters sent by certified mail and still to this date I have a duplicate account amount of {$20.00}, XXXX, which shows twice as making me owe XXXX, I just had XXXX pull the report yesterday and it shows duplicate accounts, nyshesc has yet to respod back to me about this duplicate account and updating the report when I began making the monthly payments of {$68.00} as requested, I phoned the nyshesc on XX/XX/XXXX for an update on my payments and was told they do not report payments I sent a letter on XX/XX/XXXX to the agency I have not received a response, Im asking that the duplicate amount be removed of my credit report and payments as agreed be reflected. thank you
Product: Debt collection

Complete Credit solution company posted to my credit report a false date regarding an original creditor debt owed that was discharged in my bankruptcy case more than 5 years ago. The date falsely claims that the debt was opened in XX/XX/2023 and is new to my report. However, this debt was discharged in my bankruptcy and I'm no longer liable. When I called and tried to get them to remove the remark, I was told that I needed to send them proof that the debt was discharged which is public record and can be obtained by them. This incident has caused my credit score to drop dramatically by 60 points at a time I'm working to build my credit in order to purchase a home. This sets me back another 30 days until this issue can be cleared up. This is criminal. I want my report cleared of this matter or guidance for pursuing this matter in court.
Product: Credit reporting or other personal consumer reports

Identity theft. I have supplied police report, FTC report, passport and SS verification over 22 times through CFPB and Experian. Please investigate without using AI or Metro reporting and secondary bureaus like XXXX XXXX, XXXX or XXXX. Send me proof by mail on a through investigation. Which shows how this person signed up for these accounts proving that these accounts belong to me. This is my final warning before I take all of this to court and sue. 

XXXX XXXX  Reported : XXXX XXXX, XXXX {$2000.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ). I never had a credit card account with XXXX. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$24000.00} Opened XXXX XXXX, XXXX ( XXXX yrs ). I never had a credit card with XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX {$19.00}, XXXX past due as of XX/XX/XXXX. I never had a credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Reported : XXXX XXXX, XXXX {$6900.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ). I never had a credit card with XXXX XXXX XXXX. 

Account name XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Highest balance {$6900.00}. 
I never had a credit card with XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, experian and XXXX are reporting wrong information on my credit report. the Information is as follows : incorrect phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect addresses XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

On the day I was flying back from XXXX, XXXX to XXXX XXXX, FL ( XX/XX/2018 ) I received a text from XXXX XXXX XXXX confirming an order to XXXX which was made by someone living in XXXX, PA. Prior to receiving this order I was not even aware that XXXX existed. Further I have never lived or visited XXXX, PA nor have I ever known anyone who lives there. I immediately sent a reply email advising that the order was fraudulent. On XX/XX/2018 I followed up the issue and spoke with a XXXX agent ( the XXXX XXXX card used for the XXXX fraudulent order ) to confirm that the order was fraudulent and was not to be fulfilled. The agent advised that the order had, in fact, been flagged as possibly fraudulent, and advised me that they had done something to cancel the order. Nevertheless, on the same day, and despite having been advised that the order was fraudulent, XXXX/XXXX   shipped the order to the criminals and sent me an email dated XX/XX/2018 confirming same at XXXX XXXX. 

It should also be noted that XXXX advised me on XX/XX/2018 that The fraudulent charges will be removed from the account. This was confirmed in an email from XXXX to me dated XX/XX/2018 at XXXX XXXX which was included in the copy of my XX/XX/2018 correspondence to XXXX which was sent to the Federal Trade Commission and is attached to this Complaint. 

It should be noted that the same criminal used my XXXX card to place an order with XXXX on the same day that the order was placed with XXXX. I took the same action with XXXX and they, in fact, cancelled the order and did not send any merchandise to the criminal. 

It is beyond me why XXXX, after being advised and acknowledging that the order was fraudulent, knowingly sent their goods to a criminal. It is also beyond me why XXXX, after advising me that the fraudulent charges would be removed from my account, failed to do so and, to add insult to injury, charged a late fee and interest to my account and has probably reported the late payment to the credit reporting companies thus damaging my credit standing. 

XXXX failure to remove the fraudulent charges from my account, and it further charging interest and a late fee, constitutes a willful violation of the Fair Credit Reporting Act, in addition to reversing all charges on the account demand is made for statutory damages in the amount of {$1000.00}. In addition it has taken over 4 hours of my time addressing this issue which means I have lost 4 hours that would otherwise have been billable. As a XXXX holding a XXXX and a XXXX of XXXX in XXXX degree my billing rate is {$200.00} per hour. Thus I have sustained further actual damages of {$800.00} is demanded.
Product: Credit reporting or other personal consumer reports

i am writing to formally dispute multiple hard inquiries listed on my transunion credit report. After, reviewing my report I noticed the following inquiries, which I did not authorize or Is no longer relevant. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the Fair credit reporting act ( FCRA ) inquiries can not remain n my credit unless they are authorized or related to legitimate credit transaction intited by me. I am requesting that you 1.provide documentation proving my authorizatoin for each listed inquiry.

2.remove any inquiry that can not be verified or does not comply with FCRA requirements.

please conduct a thorough investigation into these inquiries and provide me with written confirmation of you findings and any changes made to the credit file. I request that you complete this investigation within 30-day period allowed by the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX XXXX about 2 hard inquiries from the same company within the last two days ( today 's date XX/XX/19 ) on XX/XX/19 and XX/XX/19. I spoke to TransUnion about the inquiry and was told to talk to the Lender that pulled the inquiry, they gave me the number for XXXX XXXX to ask them to provide TransUnion with the removal of inquiry. 

XXXX XXXX  claims that they did not do an inquiry, with the last inquiry being when I opened an account through their XXXX XXXX credit card application. I informed them that they appeared on my report, but they denied having done any inquiries for me and to reach out to TransUnion again. 

I called TransUnion again, and was told that the only way to remove the inquiry was to go to XXXX XXXX, therefore going back in a complete circle. No one is taking responsibility with something that is my sensitive information. On the report the wrong address was provided for the inquiry.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I went in to try to show proof that I paid there and they took automatic transactions off my card I talked to the manager and a manager claimed that they fix my stuff today corporate office but they did not and now I 'm a point informations flown out here I 'll call the police and file a complaint the police and the police told me to get it towed the car off of XXXX and give me a proud all my history are the account but they did not do that but they said to outside collect the agency on XX/XX/XXXXfrom this credit place called XXXX XXXX XXXX XXXX XXXX. And now they 're trying to say that they seem another paper talking about that the account is in dispute or. Do not contact study. The ongoing complaint and I 'm poor identity theft because I have n't went into my mother died XX/XX/XXXX and the problem started from XX/XX/XXXX to XX/XX/XXXX and when I tried to talk to that manager explain the head manager to try to explain it they did n't you talk to the other manager because other matters are messed up and it discrimination towards me and I want this company vestigate it
Product: Debt collection

XXXX   XXXX   XXXX  cell phone customer since late  XXXX  's, they went out of business and when they came back around  XXXX  I returned. I added another line in  XXXX  or  XXXX  maybe earlier had no problems while I lived abroad. When I arrived in  XXXX  and provided the phone to my aunt around  XXXX , I continuously experienced disconnects to my second line and while I was always able to have the line reinstated without incident the issues continued as well in that to my dismay, I discovered the " hard '' way that they changed their original agreement that listed minutes were to " rollover '' so I lost over  a thousand minut es on the second line. I was offered to disconnect services since I continued to have problems with their services and that I had not been on contract for several years. Both lines were disconnected by representative with a balance of $  XXXX  due to a " reconnect '' fee ( I disputed ) that was promised to be credited to account. I received a {$170.00} bill about 3 months later and when I inquired about this amount, I was informed that the second line was still under contract. I spent " innumerable '' hours speaking to agents concerning " notes '' on my accounts but to no avail. I contacted FCC and did not get results. I joined a class action lawsuit against  XXXX   XXXX   XXXX  for overcharge of service fees and received a small check via which I believe that my monies for my " overages '' were possibly deducted from my check!  XXXX   XXXX   XXXX  has listed this debt for the year  XXXX  when the account was closed in  XXXX ! I have had a similar incident with  XXXX   XXXX   XXXX  in  XXXX  via which I had business set up in my office building and my son had a  XXXX  which forced us to relocate to our home in   XXXX   for treatment and while  XXXX   XXXX   XXXX  promised to clear the slate ( never had services set up ) I had to obtain legal representation to remove bill because there were no " notes '' to verify conversations.
Product: Payday loan, title loan, or personal loan

I took out a payday loan from fine day funds in XXXX of this year for XXXX dollars.My loan # XXXX. My payoff amount is XXXXIve made two payments of XXXX .The third payment was returned by my bank this XX/XX/2022. The fees and interest on this loan is very high and illegal in New XXXX XXXX struggling to pay this loan back along with my other bills.I was in a desperate place at the time after the wave of Covid 19 hit all of us.I needed money and I applied should have known better but this is to much .Then I read payday loans are in illegal in New York and New Jersey.Also tribal loans do have regulations in New York.Im living on my Pension and cant afford all these payments.Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is yet another attempt at requesting EQUIFAX and XXXX to stop blocking me from getting my reports. I have been paying for a service to pull my reports and I am unable to access them. I have tried contacting them both and they both claim there is no issue and even on their sites I am blocked from receiving my reports. I can't purchase a vehicle and I have been renting vehicles because I am unable to pull my reports. I have a right to have the reports yet I am being blocked. I also requested my entire FILE I have yet to receive that as well. PLEASE STOP BLOCKING ME! You are violating my rights!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX transunion reported on my credit report that my current address is that of my mother 's at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I have not lived at that address since XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX is on my credit twice XX/XX/XXXX and XX/XX/XXXX Syncb sams on there twice XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  on there twice XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX  on there twice XX/XX/XXXX and XX/XX/XXXX I have filled for identity theft I will be reaching out to the companies next
Product: Debt collection

A collection agency named Transworld Systems reported a {$1100.00} collection account on my credit report. Prior to this account appearing on my credit profile, I never received a notice of my right to dispute. Additionally, I have attempted to contact Transworld Systems countless times by phone and fax to find out more about this supposed debt, what it is, and see if I can resolve it. They never answer the phone, nor respond to my faxes or e-mails. I've even tried to go to the address they list as a business address on my credit report, but no one is ever there. I believe this is a mistake, and was placed on my report in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed I have accounts on my credit report that doesn't belong to me. I did not benefit from the accounts in any way
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with the date you are reporting late, and those dates need to be updated to PAID AS AGREED. 

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

some inquiries are on my credit report that I did not consent to. I have no knowledge of. I would like them removed from my credit report.
Product: Vehicle loan or lease

My car was hit while park in front of my house on XXXX XXXX. I call my insurance, XXXX XXXX XXXX ; the car was total. The insurance company got the car supposely fixed. They total me that I could get it for {$1200.00} that was a salvage fee then XXXX XXXX issue a check for {$9800.00} to Credit Acceptance Co. Now the Credit Acceptance is stating that I owe them {$5300.00} for a car that was paid off. They are stating on my credit that I owe them for a car that was hit and the Credit Acceptance Co. want me to have but it is not any good at all. I do not have the car and I should not have to pay for  something that is pay off.
Product: Credit reporting or other personal consumer reports

Credit report showed, incorrectly, closed accounts and remark added to bankruptcy, which triggered XXXX points on credit report. Then a couple months later credit report showed remarks removed with another triggered XXXX points on credit report. This was in total a XXXX point hit to my credit report for no reason other than an error of incorrect information.
Product: Credit card or prepaid card

On XX/XX/XXXX, five purchases were made at five different XXXX XXXX  stores in XXXX and XXXX in amounts ranging from {$420.00} to {$740.00} on my Bank of America Visa. I live in XXXX   and all of my previous XXXX XXXX purchased have occurred at the same XXXX store or on-line. On the same day, BofA notified me via text that an unauthorized purchase had occurred on my card and asked whether I approved the purchase. I responded that it was not authorized. The next day I spoke with BofA. They issued me a new card and said the five transactions would remain pending while under reviewed for fraud. 

I thought all had been resolved. I also received a letter dated XX/XX/XXXX, BofA sent me a letter stating, " You reported one or more charges or cash transactions that were attempted, but the unauthorized attempts were unsuccessful. '' But then, on XX/XX/XXXX, BofA reversed only two of the five charges. The three remaining transactions were for {$420.00}, {$530.00} and {$680.00}. 

I spoke to customer service again, and they stated that I am responsible for three of the charges since they were " chip authorized. '' My card was never out of my possession, which means the chip used for these transactions was on a forged card. They suggested that I contact each of the XXXX XXXX in question and ask the managers to review their transaction that day to see what was purchased as well as review the security camera footage to see who made the purchase. I could also call my local police department to file a fraud report. 

When I requested copies of the sales slips so that I would be better informed when calling these XXXX XXXX and the police department, I received this computer-generated response for all three : " We're unable to request a copy of the {$680.00} [ {$530.00} ] [ {$420.00} ] sales draft from XXXX XXXX XXXX. Our records indicate that this transaction has already been placed into dispute. '' I was then told that it was up to XXXX to release that information, and it could take at least 30 days for them to consider releasing the information. This all seemed like a process my credit card company should be doing on my behalf. They have basically wiped their hands of it and said good luck. 

I am now in the process of reaching out to my local police department so they can coordinate claims with three different police departments in XXXX and calling XXXX XXXX and XXXX corporate to make them aware of the use of fraudulent chip-enabled cards circulating in that area. Such a fabulous use of my time when we were all promised that the new chips would reduce fraud!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name : XXXX XXXX XXXX Account number : XXXX You have this account balance as {$25000.00} but the current account balance is {$24000.00} I have attached a screenshot of this account information below