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

I've been disputing my credit file with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, Delinquent student loan accounts that has a {$0.00} balance, Open accounts Payment data history does not coincide on any accounts, Revolving account creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide. Last payment does not coincide, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Product: Debt collection

I have a copy of my credit, there is an account that doesn't belong to me. There are also inquiries that do not belong to me. Please investigate this account and inquiries. Please delete this info from my credit profile. Send an updated copy of my credit report.
Product: Credit card or prepaid card

My Chase Freedom Flex card comes with a quarterly benefit of a {$10.00} credit when making a purchase on XXXX. 

On XX/XX/23, after enrolling the card with XXXX per the terms, I made a {$15.00} purchase on XXXX. Ever since then I have been trying to get Chase to send me my {$10.00} credit. 

I was told multiple times, on the phone and in writing, that the credit would be coming, but it has now been more than 2 months and I am still getting the run-around. 

Thank you for any help you can provide.
Product: Mortgage

I AM REQUESTING ALL DOCUMENTS REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX. THIS SD IS CONNECTED TO A FRAUD LOAN. ALSO THE ATTORNEY FOR XXXX XXXX XXXX XXXX XXXX AKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IS XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 at XXXX eastern time, I obtained my most recent credit report from all ( XXXX ) credit bureaus whereas this account appears that I have no knowledge when or where this account was originated.
Product: Credit reporting or other personal consumer reports

I am rewriting to complaint to TRANSUNION about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX XXXX. XXXX that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a report with fraudulent authorized inquiries
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX AND TRANSUNION, XXXX AND XXXX ADE ALL IN VIOLATION OF THE CONSUMER LAWS. 

XXXX  XXXX violations

: -Reporting false information to my credit report stating that I owe {$860.00}, and its been late and unpaid. -selling my information to XXXX XXXX  without my permission or l knowledge. 

-stating to XXXX XXXX that I ACTUALLY owe {$560.00} but never reporting that to Transunion , XXXX or XXXX. 

-After a creditor sells an account they write it off on their taxes. I was never provided this tax information.

-After a debt is sold it no longer belongs to the original holder so you shouldnt still making collection attempts or falsely reporting to my credit.

-Failed to prove that this account belongs to me when I requested verification and an investigation so it should not have been sold! Ive been in ongoing disputes since XXXX and XXXX XXXX sold my account in XXXX. The letter says XX/XX/XXXX but I saw them on my credit report sooner than that. 

XXXX XXXX : -Isnt licensed to collect a debt in my state or residency, XXXX or XXXX. Therefore they shouldnt be attempting to collect debts from me.

-this account isnt mine nor is it verified and its very much under investigation so XXXX XXXX shouldnt have purchased it or actively be collecting on it!

-I have made several contact attempts to get XXXX XXXX to cease and desist reporting and they continually report!

-They supposedly conducted a dispute on my behalf but they still didnt come back with supporting documentation of validity! 

TRANSUNIONXXXX : They continue to allow false reporting despite my numerous attempts to have this removed!

TRANSUNION has YET to mail me a copy of my credit report though I requested it! I also requested documentation and verification of the method they used to Investigage and they refused.

Im constantly complaining about these credit bureaus they need to pay me for violating the law.

{$1000.00} for each offense or CFPB pay for allowing this and not holding them responsible Laws violated : Failure to Provide Verification Documents FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to Remove an Unverified Account FCRA 1681i ( a ) ( 1 ) ( A ) Duplicate Negative Reporting from XXXX XXXX XXXX XXXX XXXX FCRA 1681s-2 ( b ) FDCPA ( 15 USC 1692 ). I was not notified within 5 days of XXXX XXXX receiving the XXXX  XXXX account in my name. They were reporting to my credit before they ever informed me XXXX XXXX Is Reporting the Debt Without Validating It FDCPA 1692e ( 8 ) Then theyre mailing me lies that the account is verified and providing no documentation! My address isnt XXXX XXXX XXXX! Its XXXX XXXX XXXX XXXX XXXX! 


I stacked proof that XXXX XXXX isnt licensed in my state. 

Ive attached my drivers license so you can see my address!!! 

Ive attached a pic of the XXXX XXXX letter stating {$560.00} and not {$860.00} and Ive attached a photo of XXXX XXXX  reporting amount and how both XXXX  and XXXX XXXX are reporting to my credit before and PROOF that XXXX XXXX was reporting to my credit BEFORE they ever notified me that they had my account
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # 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
Product: Bank account or service

I have had money issues and checks have been returned by the bank. the fees so far add up to XXXX with another XXXX forthcoming. I make XXXX dollars a month social security and do not have any other source of income. Is there anyway I can get some of these egregious fees reversed?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. Somebody signed up for credit cards in my name. And also I have 1 hard inquiry and 2 closed accounts that needs to be deleted. Why? Because I am a victim of identity theft I did not apply for these. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 


Fraudulent/Negative Accounts : XXXX XXXX XXXX XXXX Account Number:517805XXXXXX Account Opened : XX/XX/2022 Balance : {$440.00} ***UNAUTHORIZED inquiries and closed accounts CONTINUE ON THE NEXT PAGE*** Fraudulent/Negative Accounts : XXXX XXXX XXXX XXXX Account Number:XXXX  Account Opened : XX/XX/2022 Balance : {$530.00} Unauthorized Inquiries : Credit card Inquiry name : XXXX Inquiry date : XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was wondering until now why this account is still showing as late payment XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX I disputed the accounts to the credit bureaus but they did not verify it. This need adjusting. CFPB please make the necessary correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to request new Rez to remove the late from XX/XX/XXXX on my credit report. This was an accurately reported as the system was down when I tried to make my payment at the end of the month which would not have been late. I do that every month with no issues. I have snapshots showing that the system was down yet they are coming back saying that they have no login information for me during that day which is crazy because the system is clearly down and why theres a glitch and them not showing me logged in. I obviously have snapshots showing that the system was down which wouldnt have taken place after the fact because the date on the snapshots indicate the system being down on XXXX XXXX. They keep coming up with excuses why they wont remove it and at minimally I would requested to be done as a courtesy even though out of principle it should be done Ive been a loyal customer and Ive never been late on my payment to them. Is clearly was a system error and I refuse to let this go. I am correct and I am very upset and frustrated that they have negatively reported this on my credit report when I have been a loyal customer and have proven to them with many snapshots that I tried to login and was unsuccessful due to the system error and then going down. Hi again kindly ask that somebody please review this without giving me the response the system wasnt down because it was And remove my late from the credit report as I am trying to refinance my house and this is hurting me to do so I am trying to refinance directly with their company yet they still want to charge me a late. This is ridiculous and an unacceptable and I will not give up fighting this because I was not late nor have I ever been late. Please review this to be removed off my credit report and updated as the payment was made first thing the following morning when the system went back up. Please Remove the late off my credit report from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX only shows up / reports to only XXXX since XX/XX/XXXX. Not reporting to the other 2 credit bureaus * XXXX XXXX Experian*. 

XXXX XXXXXXXX XXXX XXXX XXXX has tried multiple times to insert the account to XXXX and Experian since XX/XX/XXXX. 

Account # XXXX Credit limit {$23000.00} Date of open XX/XX/XXXX Consumer status - Open Balance - {$0.00} Responsibility joint
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Debt collection

Numerous times the company has contacted me stating that my credit score would be affected and or damaged if i did not settle the debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a serious issue regarding a credit reporting agency 's failure to update incorrect personal information, including names, addresses, phone numbers, and employers. Furthermore, it is evident that the agency 's actions constitute a violation of the Fair Credit Reporting Act ( FCRA ) provisions. I recently reviewed my credit report obtained from Equifax, and to my dismay, I discovered several inaccuracies and outdated information that have not been rectified despite my efforts to have them corrected. The incorrect personal details that remain unaddressed include : Names : The credit reporting agency has failed to update outdated and incorrect names associated with my credit profile. This has led to confusion and potential misidentification when my credit history is assessed. 
Addresses : Despite numerous requests to update my current address, the credit reporting agency continues to report previous addresses that are no longer valid. This misinformation could potentially affect my eligibility for credit and create unnecessary complications when conducting financial transactions. 
Phone Numbers : The agency has neglected to update incorrect phone numbers associated with my credit profile. This oversight not only compromises my ability to be contacted in case of legitimate credit inquiries but also raises concerns about potential misuse of my personal information. 
Employers : The credit reporting agency has failed to accurately update my employment information, listing outdated or incorrect employers. This misrepresentation of my employment history could negatively impact my creditworthiness and distort the accuracy of my credit profile. These persistent errors and the credit reporting agency 's failure to address them demonstrate a clear violation of FCRA laws. As outlined in the FCRA, consumers have the right to expect accurate and up-to-date information in their credit reports, and credit reporting agencies are obligated to ensure the maximum possible accuracy of the information they provide. I have made repeated attempts to resolve these issues by contacting the credit reporting agency directly and submitting formal disputes through certified mail. However, despite providing clear documentation supporting the necessary updates, the agency has not taken any action to rectify the inaccuracies within the required time frames.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX. Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

i made a payment over the phone with XXXX agent XX/XX/22. i gave all my account information for the payment and she input it incorrectly. I gave her my entire account number correctly more than once. I was made aware of the error only after they reported my account 30 days late. They stated the account number was missing a digit a digit that their agent left out. I have proof that I had funds in the account the day of transaction. I also have proof that the same account was being used for months to make the payment. XXXX refused to let me hear the recording to prove it was my error. Stating they will not reverse the 30 day late. As you can see in my history i do not have a repayment issue. I have excellent credit and plan on keeping it that way. I demand proof that the missing digit was my error and not theirs as i provided the same banking information i always have when making my payment. Thank you
Product: Debt collection

I requested several times to the 3 credit reporting agencies to remove these false debts and that besides that they were unfair, Inaccurate, incorrect, and UNJUST information, please remove this now its over 5 yrs old, as per California LAW statute passed.4 years for a written contract 2 yrs for verbal contract on collections of medical service debts as per FCRA. They also have violated my HIPPA rights by posting medical information in the medical collection account on the public record for my personal credit bureaus and they have negatively affected my ability to financially better my life and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been charging my credit card for years now for XXXX/mo. I discovered this charge occurring 2 months ago. Every time I try to call to cancel this charge ( which is the only way to cancel ), there is a 2-hour wait time. Today I called at XXXX XXXX  and the prompt message said that I would be waiting over 15 minutes which I thought was reasonable, however I am still on hold and it has been over an hour. I am a XXXX   woman who is no longer employed and I am steadfast at getting this charge removed. This is the biggest scam, rip-off I have ever encountered, by a company that appears to be trustworthy. How many MILLIONS of dollars have they robbed from Americans? It is sickening ... all I know is several years back I wanted to get a credit report, to rebuild my credit and paid XXXX for a report. Years later, they have taken hundreds of dollars from me unknowingly and under the guise of being an honest business. I have never received a phone call or email from the company or standard mail for the XXXX/mo charge and what those services are that are provided to me for XXXX/mo ... .another reason it's a scam. I hope a class action law suit is eventually made on this company and I hope one day that I am reimbursed for being robbed by Experian. I'm filing this complaint while still on hold, so far its been an hour and 12 minutes and no response on the other line. Luckily I'm unemployed currently and don't have other obligations other than filing a consumer report while waiting to speak with scam artists.
Product: Debt collection

Transunion wont except police report to remove and they took away my right to dispute this on the app a police report was submitted and transunion refused to help or remove even after a police report was given to them many times they have to honor the report and remove XXXX  XXXX from my file XXXX  XXXX dispute my claim because they say my name and address match I never received the card I live in a building where sometimes people take the mail so i dont understand who or how they got this card this needs to be removed today i been disputing this for over a year now
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of this year, Moneygram Remission had promised to mail I XXXX XXXX a check from the Moneygram Remission Distribution Center. I XXXX XXXX was among the Moneygram victims of fraud. And when I first heard about the Moneygram Remission Process, I contacted Moneygram to let them know that I was a victim of the money gram fraud too! One of the Administrator asked I XXXX XXXX to email all of my money gram " RECEIPTS '', during the transferring of money. Once all of my " RECEIPTS '' of information was received, XXXX and XXXX emailed I XXXX XXXX back to inform me to " KEEP AN EYE '' on the Moneygram Remission Distribution date of check release. They ( XXXX and XXXX ) both, just mislead I victim XXXX XXXX into thinking that I was " ENTITLED '' as a victim just like everybody else in the Moneygram Fraud Scandal. But when it was time for the Moneygram Remission Distribute of mailing out victims of fraud their checks. Moneygram Remission, refused to honor a victim name XXXX XXXX was 100 % solely a victim of XXXX fraud, just like them all. In the year XXXX settlement with the FTC, MoneyGram promised and agreed with the Department of Justic ( DOJ ), and the United States Postal Inspection Service ( USPIS ), to make prosper changes to prevent con-artist from defraud consumers. But MoneyGram, " FAILED '' in its promise and agreement. ( Website ) - XXXX XXXX XXXX I XXXX XXXX have on filed all " RECEIPTS '' that was sent to con-artists, and the same " RECEIPTS '' that MoneyGram Remission Office is/was aware of . I XXXX XXXX wants my refund mail mailed out to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I purchased a vehicle from XXXX XXXX in XXXX, Tennessee on XXXX XXXX. My first payment was to be due on XX/XX/2022. 

I submitted my first payment XX/XX/XXXX, a week early as I have been trying to improve my credit score. I received a notification saying the transaction was successful on the same day. I then get a message on XX/XX/XXXX, 2 days after the due date, that my payment did not go through and that my {$690.00} was returned to my account. I make another payment on XX/XX/XXXX, for the payment that was due on XXXX, and get another email that says my payment was successful. I get another message on XXXX, saying that my payment of {$690.00} was again returned to my account. 

I call XXXX personally and tell them about the issue and they direct me to my bank saying it is on their side. My bank, XXXX, said that is false and if it was on my them, then ALL transactions would not be going through. This was an error on XXXX I choose to pay my note again as I am worried this may affect my credit score, I make another payment on XXXX and get the same message of my payment being returned on XXXX. My XXXX XXXX then drops XXXX points as I technically was late on my first payment by 30 days, which is not the case. Eventually, this stops happening and I never understood why it was happening in the first place, all I got from XXXX was that, " This should be good now. '' Please see attachments, I should not lose XXXX points for XXXX 's negligence.