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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$97.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$510.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$130.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 USC 1681 602 ( a ) states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. TransUnion is a consumer reporting agency and I am the Consumer. I have a right to make sure my private information isnt shared which is back by 15 USC 6801 which states : It is the policy of the Congress that each financial institution has affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 604 ( 2 ) states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency TransUnion does not have my written consent. Any and all consent to TransUnion, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states : Except as authorized under ( b ), 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 then seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681s 2 ( a ) ( 1 ) states : 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. 15 USC 1681e states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under sec 1681b of this title. TransUnion is NOT maintaining reasonable procedures. Also, 12 CFR 1016.7 stats : A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AND XXXX AND XXXX XXXX  XXXX XXXX In addition, I am requesting for a copy of the XXXX filed for the charged-off debt. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, the US Department of Education reported that Between XX/XX/XXXX and XX/XX/XXXX my Student Loan account balance increased by {$5300.00} from {$770.00} to {$6100.00}. This caused my score to drop with XXXX XXXX XXXX, XXXX XXXX points and XXXX XXXX points. The account should report the original balance on XX/XX/XXXX was for {$740.00}. At 3.4 % interest ( currently frozen to 0 % for XXXX XXXX administrative forbearance and no payments to date, the current balance shows {$770.00}. This is not only blatantly false but it has happened before but it has been impossible to track. XXXX, XXXX and XXXX refuse to explain, verify or rectify despite repeated calls and letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this complaint out of complete frustration. I recently obtained a copy of my TransUnion credit report and I noticed some unauthorized hard inquiries on my report. I immediately reached out to TransUnion and told them that I had some inquires that werent me and I would like them removed due to fraudulent activity. TransUnion refused to help me remove them and told me there was nothing I could do. Im soo upset cause this is hurting my credit and someone unauthorized, used my info. The fraudulent inquiries are listed below : XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX
Product: Debt collection

Collection Agencys : Procollect Inc Date : XX/XX/2024 Charging Amount : {$1900.00} Dear Sir/ Madam : Im writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally please note that I do not wish to received further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to request. See 15 U.S.C 169 ( C ). 

Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account listed below continue to report on my credit report in violation of federal law. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company reported me to credit Bureau for a debt from 6 years ago, that I have never been a part of. Stafford group and associates is the collection company that posted the debt on my credit report even though I have never received any notification for any debt from them before. I have never used XXXX XXXX XXXX, which is the debt they are trying to collect for. I never bought the phone they claim I bought from them. I have never visited the store they say I bought it from and never have used XXXX XXXX as my cell phone carrier. 
I don't understand how they can have my information when I have not had any business or any transactions with any of these companies. 

I had the debt removed from XXXX, but I could not get it erased from XXXX. I need help removing this debt because it is not mine and I want to but a house but they will not let me close on the house with this debt. 

If you look this company up it shows that it is known for its fraud.
Product: Checking or savings account

I recieved a debit card and also 2 sets of checks from TD Bank for accounts I never opened. I don't have any accounts with TD Bank! I notified TD Bank and they said the accounts were closed.
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit on XX/XX/2020 from The XXXX XXXX based on information obtained through Equifax. After a review of my credit report I found that Equifax is still reporting inaccurate information. Their failure to correct my report has caused a delay in an offer for a job and now a denial of a credit card. Specifically they continue to report outdated, inaccurate, and incomplete information. 

XXXX # XXXX Reporting payment status as ( bad debt & placed for collection ) This account is paid in full and reporting on XXXX and XXXX as paid XXXX XXXX # XXXX The payment history is inconsistent, inaccurate, and Equifax legally failed to verify. 

XXXX has removed the payment history for this account as it could not be verified. 

In addition to Equifaxs data breach and other violations they have shown a pattern of neglect. Specifically, No response to disputes, Failure to investigate, Willful negligence. 

XXXX XXXX has also had a pattern of not responding and verifying information. The have an F with the XXXX XXXX XXXX for that exact reason. 

Overview of XXXX Ratings XXXX XXXX XXXX XXXX. 
Reasons for Rating F XXXX XXXX XXXX XXXX. 
Failure to respond to XXXX complaint ( s ) filed against business XXXX complaint ( s ) filed against business
Product: Mortgage

I hope this message finds you well. I am writing to address an unfair business practice ( issue ) regarding my homeowner 's insurance and mortgage payments and to seek your assistance in resolving it. 

I purchased my home in XX/XX/XXXX, along with a homeowner 's insurance policy. However, in XX/XX/XXXX my auto insurance that was connected to my home insurance policy was canceled by XXXX XXXX. I purchased a new auto policy from another company, not knowing that my home insurance had also been canceled. Unfortunately, my mortgage company ( did not ) never informed me about the home policy cancellation nor requested that I obtain a new homeowner policy. My monthly mortgage payments remained unchanged after the policy cancellation in XX/XX/XXXX. 

In XX/XX/XXXX, my loan was transferred to a new mortgage company. Similarly, this new company did not notify me that I lacked homeowner 's insurance upon transfer. I continued to make the same monthly payments until XX/XX/XXXX, when I received a notification from the new mortgage company stating that my homeowner 's insurance would soon expire. They requested that I purchase new insurance, warning that they would secure lender-placed insurance if I failed to do so. 

Unfortunately, I was slightly delayed in obtaining a new policy, and the mortgage company purchased lender-placed insurance for {$3200.00}. Subsequently, I secured my policy and provided it to the company, which then refunded me {$1300.00}. They explained that I did not have insurance from XX/XX/XXXX to XX/XX/XXXX, to justify ( which justified ) the partial refund. 

However, since I have never been notified ( as I was not notified in XX/XX/XXXX ) about the lapse in my homeowner 's insurance, I believe it was unreasonable for the company to charge retroactively for lender-placed insurance from XXXX to XXXX. This adjustment has resulted in my monthly payments increasing by approximately {$200.00}. 

I kindly request your assistance in reviewing this situation and helping me resolve the issue. I believe there has been a communication gap that has unfairly impacted me financially. I would appreciate it if you could reevaluate the charges for the retroactive period and provide a fair ( more equitable ) solution. 

Thank you for your time and attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX # XXXX XX/XX/XXXX -- {$350.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX  and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My experience with the credit agency Equifax Was highly disturbing to say the least. They violated me on numerous occasions when it came to defaming my name on regards my credit profile. They failed to comply with the errors I brought to their attention several times. Furthermore they required me to send them a written letter to prove my personal identity aswell why it should be deleted. When the total matter of the situation shouldve been resolved verbally when I called in to have it removed the first time. They agreed to furnish my credit without consent, along with other third party creditors who participated in the same deceptive acts. This lead to the illegal defamation of my consumer profile which has prevented me from applying and being approved for things such as credit cards, houses, and cars that I rightfully shouldve been approved for. Im reaching out to seek remedy regarding the matter before it has to result in a state level lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online dispute on XX/XX/2021 with Experian for a XXXX credit card account. I received a 1099-C ( Cancellation of Debt, Code G ) from the IRS in the amount of {$1900.00}. I filed and claimed it as income. The creditor is no longer attempting to collect and the file needs to be deleted from my credit report per reporting guidelines. File was updated on the XX/XX/XXXX with the balance increasing from {$2300.00} to {$2400.00} and the file was still in charge-off status and balance updated with a past due amount of {$2400.00}. Submitted a second dispute with uploading the 1099C document on XX/XX/2021. File was updated and not removed on the same day with a CLS ( closed ) status with bureau Comments : {$0.00} written off and shows a past due balance of a different amount than the previous dispute investigation results of {$2400.00}.
Product: Checking or savings account

My account was frozen by Regions with no reasoning. I am trying to close the account and am unable to. I have no access to the acct at all or the money.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report noticed information that didnt belong to me sent over my ftc report to Experian. Us XXXX  reference number XXXX is not mine this account has been disputed and removed from all XXXX credit bereau XXXX and XXXX my information was exposed XXXX data breach. Experian please remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTED ACCOUNTS : XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX RE : Unauthorized Credit Inquiry According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 

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

This is my third attempt to resolve this issue through CFPB. The company in question is stating that I am using a third party to resolve this issue. This is me trying over and over again to get this problem fixed. I am not using a credit repair company I have just done my research. I wanted TransUnion to provide me with the information that I asked for regarding an account on my credit report. Under Section 609 Disclosure to Consumers [ 15U.S.C.1681g ( a ) ( 1 ) ( 2 ) ( 3 ) ] of the Fair Credit Reporting Act all of the information that I requested was supposed to be provided to me by the credit bureaus. They failed to do so. Under Section 611 of the Fair Credit Reporting Act if the information can not be verified then everything must be deleted immediately. Section 611 also states that they had 30 days to do this and they failed to do so. I have also attached the letter that I sent them.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report. My name and address is reporting incorrectly on each consumer agency report. This is causing me significant damages. 

XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX Delete this information my consumer report.