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

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately!

I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate! 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an complaint with XXXX credit first regarding an inquiry found on my credit report from them named XX/XX/XXXX/XX/XX/XXXX and told them I didnt authorize this inquiry.. they then went into their record and in fact didnt find any information of me applying for a XXXX credit card. I filed a dispute with Equifax back in XX/XX/XXXX & its been approximately 90 days from that date since I filed.. and after sending them proof and personal documentation, theyre STILL refusing to dispute this fraudulent inquiry off my credit report and saying they havent received anything from XXXX credit after it reached the 90 day mark.
Product: Credit reporting or other personal consumer reports

Today, I was dismayed to find unauthorized inquiries on my credit report with no explanation. I regularly check my report, but this time, unexpected discrepancies appeared. I tried refreshing my browser, thinking it might be a technical issue, but the inquiries did not disappear. This situation is troubling, and I ask that the documents I've provided be thoroughly examined so I can stop worrying about this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date Of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) an Telecommunications/cellular at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a bank account opened at XXXXXXXX XXXX XXXX XXXX XXXX under the account number ( XXXX ) an Telecommunications/cellular account opened at XXXX ( XXXX XXXX XXXX ) under the account number XXXX XXXX ) and a account derogatory account last reported XX/XX/XXXX at XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXXXXXX ) under the account number XXXX XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I will also list hard inquiries, addresses, and names in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 

Hard Inquiries : XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I completed a balance transfer to my CITI card for the full amount showing due, before my payment was due of {$3400.00} on XX/XX/XXXX. The balance transfer posted successfully to my CITI account and my balance was showing as XXXX. I then requested that my account be closed. My account was confirmed closed with XXXX balance by CITI. On XX/XX/XXXX I received an email confirming that my account was closed. No balance owing. Then I just recently received a statement email from CITI saying that I owe {$28.00} from interest added on XX/XX/XXXX to my account and that it is due by XX/XX/XXXX. 
I should not have any interest owing, or any amount due owed. I paid my account to XXXX balance, and my card was closed, and confirmed closed by CITI. No additional interest should be accruing on a closed account. I do not own CITI {$28.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX on my Experian credit report has the inquiry date of XXXX/XXXX/XXXX. The only date that I went to the car dealership of XXXX XXXX XXXX was on XXXX XXXX XXXX. This is inaccurate information.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX I received an email stating my phone number on my account had been changed to XXXX. I received three emails subsequently notifying me of new logins starting at XXXX by device XXXX XXXX in XXXX, FL XXXX XXXX XXXX XXXX by device XXXX XXXX in XXXX XXXX, FL, and a final notice XXXX XXXX by device XXXX XXXX in XXXX XXXX XXXX, FL. At XXXX, {$3000.00} was transferred from my savings to checking account. A payment of {$1900.00} was transferred to $ XXXX and a second payment of {$980.00} was made to $ XXXX. These transfers were not authorized or approved. I do not know how these people were able to access my account, but a representative within the company confirmed to me yesterday that my money has been transferred to another Chime account. I dont understand how I can be held responsible for a security breach on their end. After filing several complaints, including with the police and the FBI, and reviewing the XXXX I have discovered this is common within the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother is getting her credit score affected when I was told by Navient 's Advocate 's office that they would not be reporting on her credit record as we are currently discussing recalculation of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around XXXX of this year I got involved with Americore ... after some research and assurances that once my payments were made and the settlements with the 4 credit card companies were reached my credit report would read : " account closed/paid in full " and I specifically asked if it would say " settled ''? And XXXX XXXX assured me it would NOT read " settled '' well, over 6 months later and over XXXX payment made totaling over {$7800.00}, one of the credit card companies settled and on my report it reads " settled ''. I contacted Americore several times and spoke most recently with an " XXXX '' who for over an hour ran me in circles quoting the contract I did sign that says they can not control or promise what us on the credit report which they are saying in their advertising and pitching they can and will. They say have faith and when we receive all your money your report will read the lie we promised. I've asked for a letter stating this lie and of course was quoted my contract and told to have faith. In essence no.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account that appears on my Experian and XXXX credit file with XXXX/XXXX  multiple times. Each time they respond that the account is being reported accurately across multiple credit bureaus which is totally incorrect. Some details : XXXX I disputed I was never late on this account and they in turn Updated Paymt History, Modified Add'l Info, Scheduled Paymt, Last Activity, Acct History. 
XX/XX/23 I again disputed and they in turn Modified Add'l Info, Actual Paymt, Scheduled Paymt.

I have since noticed the payment is being reported as Late 60 Days across a variety of sources and listed as Variable/Adjustable Rate in comments which is incorrect. Account type listed as " revolving '' on one and " charge card '' on another.

It is not my job as a consumer to find this companies errors.

I have disputed this account multiple times with all three credit bureaus and they have failed in correcting the erroneous information. Since they continue to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, as a military service member I demand deletion of this account as this violates Fair Credit Reporting Act, FCRA section 611 and FCRA section 1681. Request your assistance in ensuring this action takes place. Thanks.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX. XXXX XXXX XXXX account XXXX. XXXX XXXX account XXXX XXXX XXXX XXXX XXXX ALSO DELETED BY XXXX NOT VERIFIED ) I was notified by your company regarding an alleged debt. I have reason to believe I do not owe this debt because I believe you have me confused with a different person. 

I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Pennsylvania.

Because I am writing to you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 

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

I am having a problem with Transunion and XXXX  method of removing a old or outdated derogatory information on my credit report that's harming my credit file. Acct XXXX, date. opened XX/XX/XXXX and XXXX says open date XX/XX/XXXX? balance {$6300.00}, past due {$6300.00}. date of last active XX/XX/XXXX and XXXX XX/XX/XXXX? 2. XXXX, date opened XX/XX/XXXX and XXXX  XX/XX/XXXX? balance XXXX past due {$5000.00}, last active XX/XX/XXXX and XXXX XX/XX/XXXX? 3. XXXX, date opened XX/XX/XXXX XXXX  XX/XX/XXXX? balance {$2600.00}, past due {$2600.00}, last active XX/XX/XXXX XXXX says XX/XX/XXXX? this is just a few I have 9 in total. How can this information from as late as XXXX, XXXX? How long does these items stay on my report? I see it says 7 yrs. It also says ALL INFOMATATION HAS TO BE 100 % ACCURATE. This is NOT. How does it has a Date of Last Active if in FACT if its been Charged off yrs ago? NOTE I explained all this to XXXX  and items was deleted. I do not understand this process with these two agencies. These are clear violations to my personal credit profile. I will upload my credit report to further explain what problems I am having. 
XXXX. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than XXXX XXXX XXXX. 
2. All information must 100 % accurate. 
This information is not accurate or reporting agencies may not report outdated infomation. 
THESE ARE CLEARI VIOLATIONS TO MY PERSONAL CREDIT PROFILE..
Product: Debt collection

I was XX/XX/XXXX in XXXX KS XXXX and while there myXX/XX/XXXX account was garnished by a debt collection agency and they took all my funds from my XX/XX/XXXX account, stating it was was for a default judgement from XXXX. The original creditor was listed as XXXX XXXX XXXX but I was denied permission to contact the debt collection agency to dispute the validity of the default judgement by the my inmate case manager, Ms. XXXX. Recently I was given a new notice of unpaid judgement by the same debt collection agency, dated XX/XX/XXXX with a balance due of {$490.00}. Recalling the extreme XX/XX/XXXXI suffered inXX/XX/XXXXas a result of this judgement, I searched the court records to see the procedural due process leading to the XXXX default judgement. What I found was that in XXXX I was accused ofXX/XX/XXXXandXX/XX/XXXX were filed XXXX XXXX XXXX XXXX XXXX. Apparently there was no judge assigned to the case but somehow I was fined {$170.00} which was allegedly due to be paid by XX/XX/XXXX. On XX/XX/XXXX a petition was filed against me in XXXX XXXX XXXX heard in Limited Actions naming the Plaintiff as XXXX XXXX XXXX. The statute of limitations in Kansas for civil actions is five years. The City of XXXX Municipal Court filed a petition on a ten year old traffic fine, the Plaintiff was represented in Limited Actions court by their Attorney of Record, XXXX. XXXX  XXXX  in XXXX which is also the debt collection agency which garnished my XX/XX/XXXX account in XXXX. I'm going to send an inquiry to validate the debt. I am also expecting the evidence of jurisdiction for the Limited Actions court to hear a claim for XXXX year municipal court fine of less than XXXX $ since the statute of limitations to file a civil cause of action in KS is one year from the discovery of the alleged delinquent account. and since I've never paid on this account. Deceptive acts and practices, false claims, unfair debt collection practices, prosecutorial misconduct and abuse of process. Fraudulent activity and judicial misconduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint AGAIN to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX TO XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Debt Reporting Act XXXX  Account with XXXX XXXX XXXX. has violated my rights 15 U.S.C 1658 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions... .I have not given any such permission or instructions.

15 U.S.C 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

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Payday loan, title loan, personal loan, or advance loan

I applied with this company with a revolving line of credit and was approved by the representative via phone and received a follow up text with the approval information. They had me repeat my private info and confirmed they would be sending {$500.00} of the {$1000.00} available to me on the same day. That night they sent me an email informing me I was denied and have refused to give me any justification or the factors they used to deny me. There are many online complaints of this same nature online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO acknowledgement OF THIS ACCOUNT CREDENCE RESOURCE management. IT IS REPORTING ON MY CREDIT REPORT. I DEMAND THIS fraudulent ACCOUNT BE REMOVED. 

ALSO, ADDRESSED I NEVER LIVED XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX
Product: Debt collection

I am filing this complaint against TransUnion for their failure to remove an invalid collection account from my credit report despite being provided with evidence demonstrating the illegitimacy of the debt collection attempt. 

The collection account in question is reported by XXXX. Upon investigation, I found that XXXX is not licensed to collect debts in the state of Illinois, as required by the Illinois Collection Agency Act ( ICAA ). Under Illinois law, collection agencies must be licensed by the Illinois Department XXXX XXXX and Professional Regulation ( XXXX ) to legally collect debts from Illinois residents. Since XXXX does not possess the necessary license, any attempts by them to collect debts within the state are unlawful. 

On XX/XX/year>, I formally disputed the XXXX account ( XXXX ) with TransUnion ( File Identification Number : XXXX ), providing clear documentation regarding their lack of licensure and referencing the relevant Illinois XXXX that render the collection invalid. Despite this, TransUnion responded by claiming that they verified the debt and declined to remove the account from my credit report. 

XXXX refusal to remove this invalid collection account constitutes a failure to comply with the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation of disputed information and ensure the accuracy of credit reports. 

I respectfully request the CFPBs intervention to : 1. Direct TransUnion to remove the unlawful Americollect account from my credit report.

2. Ensure that TransUnion implements proper procedures to verify the legitimacy of debt collectors, including their compliance with state licensing requirements.

3. Prevent further harm to consumers by requiring TransUnion to adhere to federal and state regulations concerning debt collection reporting. 

Thank you for your attention to this matter and for your commitment to protecting consumers like myself from unfair credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called several times. Sent e mails and got one call back. I missed it she left a callback number and I tried to call the person over 20 times left messages every time and never got a call back or a response.

I was going through consumer credit counseling and had paid all my debts but the last one. One of the previous three was a USAA personal loan which they settled no problem. The last was USAA credit card and on XX/XX/2018 they FORGAVE the debt and sent me a 1099 which I had to report on my taxes as income,. Now they are reporting it as a debt that was not collectable on my credit report and they are dinging me every month for a late payment when they forgave the debt.

USAA also sent me a bill three years after I had gotten an auto quote with them and said I had a policy I never paid. I never took out a policy because they were a lot higher than the company I eventually went with.
Product: Checking or savings account

I deposited an insurance claim check into my chase bank account on XX/XX/2019. We had asked the teller if we needed to do anything special since the Mortgage Company was on the check. She replied that all we had to do was endorse the check and there wouldn't be any problems. On XX/XX/2019 Chase had deposited the {$16000.00} check into my account but then put a fraud hold on it. They then closed my account with the money deposited into it. My insurance company XXXX said they could not get the money back in order to re-issue the check so we could get the proper endorsement from XXXX XXXX. Chase is stating that they can't release the funds without an endorsement even though they had already cashed the check into the account before they closed it. It has not been 2 months and our roof is still leaking because Chase and XXXX won't work together to get the money out of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  bankruptcyChapter XXXX Bankruptcy : Bankruptcy XXXX. XXXX, XXXX  {$0.00} Discharged Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type Chapter XXXX Bankruptcy Responsibility Joint Asset Amount XXXX has voilated 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 an account without my written instructions.