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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account XXXX ; XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; Original Creditor : XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX Credit Bureau because I had problem with their dispute online site. They told me they had corrected the area several weeks ago. 
I tried again today and it was n't fixed. I could not use the online site. I called customer relations. They transferred me to specialied consumer service offline. They transferred me to online customer service. 
They gave me an error code # XXXX and transferred me back to the offline customer service to do identity verification and merge my accounts because O was told I had multiple accounts. 
I asked how could I have multiples they could not answer that. 
They suggest I dispute live on the telephone and I got disconnected or maybe the rep. hungup the telephone I do n't know. 
I have duplicate accounts reporting information that 's not correct. 
I have accounts 7 years old that they wo n't remove, saying they are n't negative. I said the law say have removed. 
The issues is with XXXX and XXXX Credit Bureaus. All three reporting account information of same account in multiples. They are reporting incorrect balances. Reporting over the time for reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current address shows as XXXX XXXX XXXX XXXX, XXXX, CA XXXX. It should be XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  account Acct # XXXX was charged off in ( XX/XX/year> ) .I have requested the 1099c to support the charge off and it has not been sent. I have dispurted this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in Discover Bank v. Scheimer, 36 F.3d 1214. Attached is also the dispute filing in XXXX. This is my 2nd request asking for the 1099c and providing proof of the that this is incorrect. Attached is proof that there is a balance still showing on my credit report and this account was suppose to be deleted per a final decision made by XXXX XXXX XX/XX/year>. It has not been deleted and still shows on all three bureau.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive mailed in 4 certified letters stating that the address is wrong and could it please be removed I sent in several documents with correct address but yet it still remains I call in and they are rude tells me its staying on my report and I dont need to call back cause they are not changing it, like what how is that possible, please help, this wrong address is hindering me from getting my credit on the right path, this is really hurting me and my kids life I cant get the job I want the car I need or the house I want because of this wrong information injuring my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Resident typeSingle family XXXX XXXX  XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Resident typeApartment complex THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I was charged by TransUnion of a {$2400.00} in a very sneaky and misleading way. They also don't disclose it is a monthly subscription. 

The whole think was super sneaky. I was exerting my right on XXXX to check my credit report, TransUnion show a report but no credit score, they do display a page saying clicking the link to get free credit score. After getting into the page, there are two buttons, one is get free score, another is buy your report. 
Of course I clicked the free button, then it ask for personal information for creating an account. At the end, it asks for credit card. It was misleading as if it was part of their proof of identity requirements. 

But then my card was charged {$24.00}, it is even worse that the charge is automatically made monthly. I only figure out when dive into very deep membership areas. 

Of course, they only offer a phone number for support. No email or online chat option means that, leaving me with no proof to back up my cancellation request when they attempt to charge my card again for whatever bogus subscription they are forcing on me. 

I understand Credit Score is not compulsory to be free, but if TransUnion advertised it to be free, it shall be free. It is scam to charge users when advertised as free. 

I am sure I am not the first victim of this scam business model. Please see the posts on XXXX. XXXX  user XXXX  and XXXX  are also victims. 

XXXX XXXX XXXX   Please stop TransUnion exploit the public service to make dirty money. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an ongoing issue regarding the late opening of my accounts. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. 

Upon reviewing my account records, it has come to my attention that the opening dates listed for my accounts are inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the accounts : XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance : {$5200.00}.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # credit collection {$330.00} Account name : # XXXX XXXX XXXX {$790.00}, Account name : # XXXX XXXXXXXX XXXX {$480.00} Account name : # XXXX XXXX {$1400.00} has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

Hi, I chatted to understand why I was charged interest and asked for the interest to be waived. I was told the interest was a rolling interest that started in XXXX, which made sense to me. When the rep tried to waive the interest, he advised me that after running my account through a system, my interest waive request was denied based on several factors such as payment history, spending, past requests, etc. 
I asked him specifically why my request was denied. He again stated that there were several factors considered as outlined. 
I am concerned that American Express is using my financial information and habits to make a decision that impacts me financially without giving me a reason for denial or outlining exactly what was considered in their decision. When I pressed, the representative exited the chat, thus refusing to answer any additional questions.
Product: Debt collection

On XX/XX/2021 I served Discover with a cease and desist pursuant 15 usc 1692c ( c ) which I will have attached to this complaint, along with an affidavit of truth stating how they been violating my federal rights under 15 usc1692c. As a consumer and a natural person i have the right to refuse to pay for the alleged debt. Discover received the certified mail on XX/XX/2021 at XXXX. They completely ignored what I send which is another violation by sending me a post card with the intentions of continue to collect the alleged debt. Prior to sending the certified mail with the affidavit of truth and cease and desist I was receiving multiple calls at inconvenience times and without my authorization, receiving emails, and letters with the attempt to collect a debt. I requested proof of validation through the CRA 's which they never provided to me. I attached a request for validation and invoice for {$39000.00} with a few of the exhibits and proof collected by me letting them know that I am invoking my remedy as a consumer and the original creditor pursuant 15 usc 1692c ( c ) ( 2 ). all of this will be
attached with this complaint.
Product: Credit card or prepaid card

I canceled my original card ending in XXXX and got a new card XXXX due to fraud issues. A Charge of {$250.00} was placed on my new card number XXXX on XXXX XXXX XXXX by XXXX XXXX XXXX XXXX I disputed the charge on XX/XX/2022, Capital One removed the charge but then reinstated the charge on XX/XX/2022. Capital One claims the company XXXX XXXX  has the right to charge my card due to a recurring monthly fee. To my knowledge I had no such agreement with XXXX XXXX XXXX XXXX is willing to refund the money but Capital one has not returned the money to XXXX XXXX 
I have made 6 phone calls to Capital one, I have 18 emails with XXXXXXXX XXXX. XXXX XXXX wants to resolve the issue, Capital one is clouding the issue by insisting on an official cancelation notice. 
Capital one claims that I failed to respond to a letter, but they Cap one never sent me a letter. All of the calls with Cap one are recorded, therefore there is proof that Cap one told me that no company could charge my new card number XXXX issued in XXXX XXXX XXXX without my express permission..
Product: Money transfer, virtual currency, or money service

XXXX partys Coinbase Coinbase wallet telegraph gram and antenjoyvip. I had XXXX usdt in my Coinbase wallet I ask Coinbase for a loan they have my a link and said use it on telegram ask for loan. So ask for loan they said XXXX times what I put in leverage brokerage liquidity loan. So they took my money and then XXXX minutes later they say I have to have XXXX XXXX XXXX to get my money back off top. This is thru XXXX XXXX is link to Coinbase and Coinbase wallet. After XXXX years at XXXX I got let go so taking my last XXXX to my name and just no telecommunications or nothing I feel played. I will love to receive my money back. They making money off my money right now
Product: Credit reporting or other personal consumer reports

" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate XXXX According to the fair credit reporting act 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 according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of 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 result 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.

According to 15 USC 1681s-2 they are supposed to 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

The SYNCBXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX is not my credit card. I have never had a XXXX card. I need this information removed from my credit.
Product: Credit card

I found out earlier this year that there was a judgement on my credit report when i went to buy a car. Discover credit card company filed the judgement against me back in 2010 and I am just finding out now. I never had a Discover card so I filed an identity theft claim and followed every step. Now after I sent numerous letters to them stateing the crime, they will not investigate the theft and instead they are going to garnish my wages. This is unexceptable to me, I will not be harrassed and pay for something I did not do.
Product: Credit reporting or other personal consumer reports

I spoke to XXXX XXXX at the bankruptcy lift and she advised me that they do not report bankruptcies. They sent me a letter to verify this Information, XXXX XXXX and XXXX XXXX houses this information and have to Remove it immediately. The XXXX  years has elapsed
Product: Student loan

A loan was taken out on the Years of XX/XX/XXXX and XX/XX/XXXX to help aid in paying my schooling. The goal between two years was XXXX and now I am paying back navient the debt and also the school where the money was supposed to go both for the amount of XXXX. I am now getting my wages garnished by both departments and this is unlawful. I have called in and no one has a response or an idea as to what is happening.
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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXX/XX/XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX 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

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report with reference number XXXX. Here is the list of items which were opened without my permission : XXXX : XXXX XX/XX/2023 -- -- -- -- XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

DUE TO XXXX XXXXXXXX XXXX Previously sent notice which has delayed any progress with TRANSUNION. 
Please see attached FTC report filed and completed. 

Following accounts to delete immediately : XXXX XXXX XXXX XXXX {$39000.00} {$870.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} - - -No Data XXXXXXXX XXXX XXXX XXXX {$800.00} - - - XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} {$0.00}
Product: Debt collection

I had XXXX service at my mom 's house on XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The account number was XXXX. She passed away on XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX via email to cancel her service and provided a death certificate. On XX/XX/XXXX, I returned their equipment to them. I followed up, after receiving a bill, on XX/XX/XXXX to make sure this service was cancelled as the house was being foreclosed on. I was told it was cancelled. Now, I have a bill going to IC Systems Debt collections ( acct number XXXX for {$500.00} for XXXX which I didn't even know was owed. I can not get anyone to explain this charge to me.