23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear [ Transunion ], I write to you with deep concern and dissatisfaction regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 
Account Name : XXXXXXXX XXXX Account # : XXXX I am writing to dispute the accuracy of information contained in my consumer credit report. Upon recent review, I have identified discrepancies that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure maximum possible accuracy of the information in a consumer 's file. Specifically, Transunion is reporting 30-day late payments for XX/XX/2023, while XXXX is reporting 30-day late payments for XX/XX/2023. These inconsistencies suggest inaccuracies in the reporting of my payment history. I request an immediate investigation into these discrepancies and demand that any incorrect information be corrected PAID ON TIME in accordance with my rights under the FCRA. Please provide the results of your investigation, along with an updated copy of my credit report, upon completion. 
Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature. 
Moreover, I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by [ Transunion ]. Therefore, in accordance with Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation into these disputed late payments, along with written confirmation of the investigation 's completion and details of any actions taken to rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/XXXX which was my 2nd letter informing the Credit Reporting Agencies that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If the Credit Bureaus claim that the disptued Items belong to me, I need the Credit Bureus to send me copies of proof of verification or any documents bearing my signature to support the Credit Bureaus claims. If the Credit Bureaus can not provide me copies of documents I seek, Please remove the disputed items as soon as possible,
Product: Credit card or prepaid card

HSN ( home shopping network ) account number XXXX was paid in full earlier this month. When i pulled my credit to check to see if it was reporting correctly I see that they had reported this account as late from XXXX of XXXX to XXXX of XXXX and this is incorrect. The account was never late, all payments were made and proof of payments exist. This account was enrolled into a debt management program in XXXX and they made my payments each month. When I called HSN they say that because my account was taken over by Synchrony Bank  they can not provide proof that the payments which they reported as late exist and this is a violation of the FCRA in which it says that all information reported must be accurate, complete and verifiable. They are in violation of these federal laws. I am requesting that all references to late pays on this account be removed from all 3 credit bureaus. This complaint is not asking that any reference to a dispute or investigation be placed on my credit files but they remove all late pays as it can not be substantiated or verified. This account is closed with a zero balance and they have no financial ties to this anymore. They are also putting comments on this account that is is being handled by a 3rd party company for payments and this is now incorrect. 

I am asking the CFPB investigate them for violation of the law if they choose not to remove the late pays and false comments. I will be taking them to court and suing them for this violation which carries a fine of nothing less than XXXX per instance if they choose to not follow the law and remove the late pays. I would ask for full attorney fees reimbursement as well if they want to go to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

There are numerous inquiries on my credit report for which I did not make and need to be removed from my report. These include : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Section 605B of the FCRA states that information reporting must be accurate and verified. I have not inquired with these institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

iI CALLED CLARITY SERVICES INC TO DISCUSS WRONG PERSONAL INFORMATION ON MY CREDIT REPORT. THE PERSON WHO I TALK TO PUT ME THROUGH ANOTHER BUT I FELT MY INFORMATION WAS NOT GOING TO GET CORRECT. ON PAGE 6 WHERE IT SHOWS PERSONAL INFORMATION MOST OF THAT IT NOT MY ADDRESS AND I NEVER HAD BEFORE. MY NAME IS XXXX XXXX  XXXX OR XXXX XXXX I DONT GO BY THE NAME XXXX XXXX XXXX WHICH WAS REPORTED BY XX/XX/XXXX. I NEED TO HAVE THIS NAME REMOVE OFF MY CREDIT FILE .HOME ADDRESS XXXX XXXX XXXX XXXX VIRGINIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX AND XXXX XXXX  XXXX XXXX VIRGINIA XXXX THESE ADDRESS I DONT USE AT ALL. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX AND BEFORE IT WAS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX WITH THE ADRESS OUT LINE I WANT THEM REMOVE OFF MY FILE. WORK ADDRESS XXXX XXXX XXXX XXXX VIRGINIA NOT MY WORK ADRESS WHICH WAS REPORTED XX/XX/XXXX HOME PHONE NUMBER XXXX XXXX I DONT USE THHESE PHONE NUMBER ANY LONGER AND WOULD LIKE IT TO BE REMOVE DATE OF BIRTH XX/XX/XXXX IS NOT MY DATE OF BIRTH AND I WANT THIS TO BE REMOVED MY CURRENT DATE OF BIRTH IS XX/XX/XXXX THERE ARE TWO PAY DAY LOAN ON MY FILE FROM XXXX XXXX XXXX XXXX WHICH WAS OPEN ON XX/XX/XXXX I HAVE NEVER OPEN ONLINE ACCOUNT BEFORE NOT IN XX/XX/XXXX AND I AM DISPUTING THIS ACCOUNT AND I WANT THIS TO BE REMOVED OFF MY CREDIT FILE
Product: Debt collection

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Product: Money transfer, virtual currency, or money service

XX/XX/year> XXXX restricted my account. Soon after they sold my stock and took the money. Then they started close the account. I never got any of my money for 6 months I have tried to get in touch via email phone or anything. Still no answer and my account is completely blocked now. It was XXXX all together maybe more but could have been so much more as I had alot of shib and doge.
Product: Credit reporting

I have been trying to get the credit reporting agencies to update my records but they always say the information is accurate regarding accounts handled by XXXX.
Product: Credit reporting or other personal consumer reports

According to the FCRA convergent account # XXXX has violated my rights. 

FCRA section 605 B. It is illegal to report any information on my credit report without my permission.
Product: Payday loan, title loan, or personal loan

The loan is with 1st heritage of XXXX la. It was made back in XXXX before I lost my job. After getting a new job the consumer started to contact my office as well as management. A cease and desist letter were faxed over to them in XXXX. The consumer continues to contact my place of employment as well as myself.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 

I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency.
Product: Credit reporting or other personal consumer reports

My XXXX credit account has a note stating that the account was previously in dispute. THIS ACCOUNT HAS NEVER BEEN IN DISPUTE ARE THEY ADDING INFORMATION RANDOMLY NOW?
Product: Debt collection

Transworld systems inc located in XXXX va has gotten a hold of my number and I never gave my number to them which is wrong. they calling about the XXXX XXXX  debt that I have tried resolving with XXXX XXXX but they never called me back, this Transworld system is attempting to collect a debt in the midst of a crisis which WRONG!!!! I told them I can pay {$30.00} a month only and they tell me that's not going to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

After years of having a credit score around 800 and not applying for new cards or loans I suddenly saw my credit score go down on TransUnion and XXXX as a result of inquiries and accounts they listed that I never requested and have no knowledge of. All three credit bureaus have fraudulent accounts and inquiries listed, as well as incorrect addresses. I've subsequently found out through the XXXX Date Breach Settlement website that my information was impacted by the XXXX data breach of XX/XX/XXXX, which I believe is the source of the identity theft and fraud that I have experienced these past few years. 

XXXX As of XX/XX/XXXX XXXX has an inquiry listed as XXXX XXXX XXXX XXXX from XX/XX/XXXX that I never applied for and a collection for {$1500.00} from XX/XX/XXXX by XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX with whom I have never had any dealings. 

XXXX XXXXXXXX has the same fraudulent XXXX XXXX XXXX as well as a fraudulent XXXXXXXX XXXX credit card account opened on XXXX XXXX XXXX with an {$8000.00} credit limit of which I have no knowledge. They also list an installment account for {$380.00} with XXXX, another company that I have not dealt with in 20 years, and nine different credit inquiries dating from XX/XX/XXXX to XX/XX/XXXX that are fraudulent as I have not applied for any credit cards or loans during that period. 

TransUnion- TransUnion has a different XXXX account listed that was opened fraudulently on XXXX XXXX XXXX as well as an inquiry by a company called XXXX XXXX for credit for which I never applied. 

I have spent a great deal of time trying to contact these companies, who all seem to make it difficult or impossible to actually speak with someone who can correct these issues. XXXX company did an " investigation '' and determined that their information on the fraudulent account was correct ; they never spoke with me, apparently they only spoke with the thieves who opened the account. I am in the process of getting a police report as required by XXXX to look into their fraud, and that has been another time consuming, red-tape filled endeavor. On the whole these companies seem to make it easy for crooks to steal identities and open accounts and very hard for consumers to clean up the mess that they create.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to resolve this issue with creditors and company. I explained to the company that I was going through a divorce in XXXX prior to that I had an excellent payment record. 

1 ) Ally Financial - late payments in XXXX, XXXX, XXXX, XXXX & XXXX of XXXX : 2 ) Late payments in XXXX, I was affected by COVID 19. 
In XXXX, I experienced a very difficult year, as my ex-husband and I was going through a divorce. Prior to our separation, we live jointly in the home and it was a mutual agreement that we would split all expenses 50/50 however, my ex-husband fail to meet his financial agreement. I was required to pay all expenses in full which was a huge adjustment for me at that time.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify is accurate. XXXX XXXX XXXX  # XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent letters out certified over 60 days ago and have not been notified. as a consumer i feel like these clowns taking advantage of normal people.
Product: Debt collection

Sunrise Credit has initiated a collection in the amount of {$250.00} on behalf of XXXX as of XX/XX/XXXX of XXXX for an internet account that was was set up carelessly by XXXX without proper and diligent initial verifications. Sunrise never mailed me any notices about this debt. Sunrise went directly to the consumer reporting agencies and posted a collection notice which has unfairly damaged my consumer credit rating. 

Sunrise is unwilling to diligently remove the collection alert from my consumer credit reports even after they have been informed that I had nothing to do with this fraudulent account and the account was opened as a the result of an Identity Theft and poor verification process by their client. My credit was locked and XXXX should have never opened this account last XXXX. 

Sunrise tells me that I need to contact XXXX  and XXXX tells me that they have sold this account to Sunrise and I need to deal with Sunrise!? 

Had XXXX been diligent, this account would have never been opened in the first place.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

XXXX XXXX XXXXXXXX {$790.00} XXXXXXXX XXXX  {$5500.00} XXXX XXXX XXXX {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Transunion is reporting one inaccurate negative item in my account from XXXX XXXX, one inaccurate negative from XXXX, two inaccurate negatives from XXXX XXXX, two inaccurate negatives from XXXX XXXX  XXXX, two inaccurate negatives from XXXX  XXXX, two inaccurate negatives from XXXX XXXX, and one inaccurate negative from XXXX. All negative accounts are showing that I have several chargeoff accounts that have a balance on them. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter.
Product: Mortgage

in 2010 i obtained a harp mortgage from bank of america since modification i paid the mortgage every month on time after the first year i received a letter sTATING I AM ELIGABLE FOR A XXXX XXXX DOLLAR CREDIT SINCE MDIFICATION I WAS BEING REPORTED TO THE CREDIT BUREAU AS DELINQUENT THIS RUINED MY CREDIT SCORE i tried unsucesssfully to rectify this error speaking to several people at bank of america without any success what can be done
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX XXXX who is on my credit report as being negative. 

I have no recollection of opening a recent account with XXXX as I already have XXXX and sent Equifax a copy of my chat transcript of the XXXX representative stating that Ive been with them for several years ( I have attached the chat transcript to this message ) I asked Equifax to let me know where the account was open and if the business had a copy of the ID that was used to open The account. 

Equifax came back with the following response : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

Nothing else can be seen other than it is still on my credit report! 

I have the right to know how the info has been verified as accurate!! 

The canned response received is not acceptable!
Product: Debt collection

Complaint Against Portfolio Recovery Associates for Failure to Validate Debt and Request for Credit Reporting Deletion I am writing to formally file a complaint against Portfolio Recovery Associates ( PRA ) for their failure to properly validate a debt they are attempting to collect and their erroneous reporting of this debt to the credit bureaus.

1. Background and Debt Validation Request : On [ date of initial contact or notice received ], Portfolio Recovery Associates contacted me regarding a debt they claim I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I requested that they validate the debt in writing by providing the following : A detailed breakdown of the debt, including the original creditor, the amount owed, and any evidence that I am liable for this debt. 
Documentation proving that they have the legal right to collect this debt. 
However, despite my request for validation, Portfolio Recovery Associates has failed to provide the necessary documentation. This lack of response is a violation of my consumer rights under the FDCPA and FCRA.

2. Credit Reporting Discrepancies and Request for Deletion : As of now, Portfolio Recovery Associates has reported this unvalidated debt to all three major credit bureaus ( XXXX, XXXX XXXX and XXXX ). The continued reporting of this debt is inaccurate and misleading, as the debt has not been validated. This is in direct violation of the FCRA, which requires that only accurate and verified information be reported to credit bureaus.

3. Request for Action : Given the above violations, I am requesting the following actions : Portfolio Recovery Associates immediately cease all collection activities related to this debt. 
They provide valid proof of the debt, as required under the FDCPA. 
The unvalidated debt be removed from my credit reports at all three major credit bureaus : XXXX, XXXX, and XXXX. 
Please investigate this matter and take appropriate action against Portfolio Recovery Associates to ensure my consumer rights are upheld. 

I look forward to your prompt resolution of this complaint. Should you require any further documentation from me, please do not hesitate to reach out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of by your company because of the incorrect reporting of fraudulent account which has put me a very bad financial situation