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

TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern : I received notification from monitoring my credit reports that the following creditors, without authorization or permissible purpose, fraudulently obtained my credit reports. Without my authorization this information you are reporting was not solicited by me at anytime and therefore is not of any fact and the data you are falsely reporting is fraudulent in nature and inaccurate. 

Utilizing the respective statutes under the Fair Credit Reporting Act, I am citing its respective sections within the act to ensure your company reports my data accurately and with all fairness to my credit report. I am requesting that you suppress and block the information that is currently reporting by deleting its reporting. Please see below the string of creditors and dates disputed. 

XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX  XX/XX/XXXX By finding the lack of permissible purpose initiated by the respective creditors, as required by law, I request you investigate and complete your investigation by removing the solicitations/inquiries off my credit. Please place a fraud alert on my file to prevent further reporting and add my telephone number. 

I respectfully request a copy of my updated results and credit report. Your attention is requested and appreciated in correcting my information. 


Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized JPMCB AUTO FINANCE Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within,30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inaccurate fraudulently information on my credit report. A hard inquiry at that from XXXX XXXX XXXX XXXX dated XX/XX/2022. I contacted this company transunion about it. Spoke with several agents who denied of inquiry being fraudulent or unauthorized. Stating its a statement of fact. Which is clearly untrue when they're consumers daily getting their information hacked and fraudulently used. I have also contacted XXXX XXXX of this. And stated my frustration. i was also told to send my information such as ss number, date of birth, name, phone number through the mail in order for transunion to dispute it which i declined. Why would i send my personal information VIA MAIL TO ANYONE. i dont even trust the employees who work for the credit bureau because they could be frauds..and secondly, i know every company has a fax so why is mail the only option in order for them to help.
Product: Debt collection

Received a Request and Written for Garnishment from the State of Michigan Judical District Judical Circuit from a 3rd Party trying to garnish income tax refund/credit. This was on XX/XX/2011. This old debt from a 3rd party is Past the Statue of Limitation in MIchigan. According to Michigan law, your creditor has up to 6 years ( from the date of your last payment ) to collect on a debt, including obtaining a judgment on the debt. This is old charge off and these 3rd Parties still think they can get money off a old debt, which I don't even recognize. They can keep filing with the courts and get granted but I will NOT be paying a 3rd Party, as I don't know this bill and has been a charge off!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and I checked my credit report today and found some fraudulent, inaccurate, and incomplete information. I am asking that the CRA 's conduct a reasonable investigation and DELETE the fraudulent and inaccurate information. Please send all methods used to verify any accounts that are not deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Dear TransUnion, I am writing to formally dispute the accuracy of certain hard inquiries on my credit report. Upon reviewing my report, I identified several unauthorized inquiries that I did not approve. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be removed immediately as they are inaccurate and not initiated by me.

The following hard inquiries require immediate removal : XXXX XXXX XXXX Dated : XX/XX/XXXXXXXX XXXX XXXX XXXX  Dated : XX/XX/XXXX XXXX ( Bank ) Dated : XX/XX/XXXXXXXX XXXX XXXX ( Bank ) Dated : XX/XX/XXXX XXXX XXXX ( Finance ) Dated : XX/XX/XXXXXXXX XXXX XXXX  According to 15 U.S. Code 1681b ( FCRA Section 604 ), a credit reporting agency may only release a consumer report for permissible purposes, such as my explicit consent. These inquiries were conducted without my authorization, which violates my rights under federal law.

I demand an investigation into these inquiries as required under the FCRA. If you are unable to verify that these hard inquiries were authorized, you are legally obligated to remove them from my credit report under 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ).

Failure to comply with this request within the legally required 30-day timeframe under the FCRA will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedy.

Please send all correspondence to the address listed above. I look forward to your prompt response and resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX have violated my rights. 
15 U.S.C 1681 Section 602A states I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish my account without my written instructions.
Product: Mortgage

I have a massive issue with my servicers. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/2020. 
I noticed on the news that Donald Trump said he will suspend all evictions and all foreclosures. 
I hope XXXX XXXX XXXX will abide to the federal orders. 
I recently had my loan transferred over from XXXX XXXX XXXX who Ive been working with to achieve a loan modification. On or around XX/XX/2020 I received a letter in the mail stating that my loan has been transferred to a new servicer SHELLPOINT MORTGAGE SERVICING. Ive been working and trying so hard for so many years now to receive a loan modification from XXXX XXXX XXXX and before that XXXX XXXX XXXX And not once have they worked with me and cared or tried to help. 
To this day I have not received a welcome letter from the new servicer Shellpoint Mortgage Servicing. XXXX XXXX XXXX still placed my home on a foreclosure sale especially while the transfer happened. This is not good because it does not give me any time to work with the new servicer to work out options let alone given any time what so ever to have a chance to be reviewed for a loan modification. 
XXXX XXXX XXXX and Shellpoint Mortgage Servicing strategically transferred my loan so that the time frame would just sell my home. 
If XXXX XXXX XXXX and Shellpoint Mortgage Servicing continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure. Also the federal order that Donald Trump stated.
Product: Credit card

To whom it may concern ; I appreciate the email dated ( XXXX/XXXX/XXXX ) addressing some questions ; but avoids the real issues. As a consumer this is how it looks ; 1. We decided to participate in the XXXX XXXX program with the understanding that the award miles could be used to book flights with the XXXX partners ( XXXX ) under their current advertised mileage per seat/class. To our destination one way is XXXX miles for XXXX XXXX. 
2. We qualified for booking on XXXX/XXXX/XXXX or 332 days prior to our scheduled flight date of XXXX/XXXX/XXXX. 
3. Since this date, I have called every day to be told that XXXX does not have any inventory available, unless you book non-rewards. It is evident that availability is there, but not for REWARDS travel. 
4. I am told that AA has mileage rewards and can be booked at a higher cost ( more than doubled the cost ) at XXXX XXXX way for same class. 
If this is a partnership under one program, or advertised as such, and XXXX allows to book on their flights using mileage rewards at a higher cost, but XXXX does n't, then the consumer ( s ) in the program is forced to take the higher cost reward. In the real world, this is called " extortion ''. 
And of course, the award mileage levels will change on XXXX XXXX, XXXX. So, I would assume that any inventory that might become available would be after XXXX XXXX, XXXX.
Product: Credit card or prepaid card

XX/XX/2023 {$100.00} XX/XX/2023 {$50.00} XX/XX/2023 {$150.00} XX/XX/2023 {$100.00} I reach out to the company XXXX on XX/XX/2023 and it has been a month and I still have not recieve may money back. Above is the transaction that was fraudualy taken out ot my account through XXXX XXXX. I advise the company that I do not see these trasaction on my XXXX XXXX. I wondering how was this possible. It has been a month I have not got my money back. I advise to expidite my refund they stated they are waiting on the response from XXXX XXXX. I need my money deposit bact to my account.
Product: Credit reporting or other personal consumer reports

the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified.

I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report by Bull City Financial, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy of what Bull City Financial. This debt collection agency is reporting {$1800.00} on my credit files, which is frivolous, and the debt collection agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by Bull City Financial, in direct violation of the FCRA. I have discovered that the Bull City Financial fraudulent account. I need proof of a wet signature of an application w/ Bull City Financial and proof this is a credit transaction ; the agency is in violation of federal laws, and I will go legal if this isnt removed. My consumer rights are being violated. Bull City Financial accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XXXX of XXXX my XXXX XXXX XXXX engine went out. I was informed that I was covered under warranty through XXXX XXXX XXXX group. I reached out on several different occasions to have my car repaired and was given several shops. I towed my car to each shop paying between $ XXXX each tow. Once car is in the possession of the repair shop either they let me know XXXX XXXX  doesnt like to pay or their no longer partner with XXXX XXXX  for whatever reasons. I continued to reach out to XXXX  to have my vehicle repaired and they kept giving me run around and the same shops information that couldnt help me. While all this is occurring Im still making the car note and paying for a rental. Once I realized XXXX XXXX wasnt helping I reached out to the dealer Drive Time for assistance and they informed me their was nothing they could do besides give me a 1800 number to customer relations. It began to get overwhelming not receiving any helped and here we are in XXXX. I filed several complaints until I just said I am having the lemon voluntarily repoed if you guys can not fix my vehicle. It took them one day to pick up my vehicle for a repo but couldnt have it picked up to get fixed. I do not feel I should be reliable for any money owed on that car and should be reimbursed for what I paid into the car or placed in a new vehicle. This is unacceptable and has drained me of my funds. I am currently up to about {$2500.00} in rental fees since XXXX of XXXX.
Product: Debt collection

XXXX XXXX is stating that I neglected to pay rent from XXXX XXXX until present. I have not stayed in XXXX XXXX in 3 years. I moved out XX/XX/XXXX. I have called and emailed the company several times. I am told that someone will look into this matter and call me back but this is not being resolved and I was told that because they have changed managers and companies, they have lost my files. I want this removed from my credit report because this is false information. I was not staying in the apartments when they sent me to collections. I am getting the run around because no one can show me records of me signing a lease in XXXX. When i moved out I gave them a 60-day notice in writing and email, I turned the key into the office. I have no dealings with this apartment complex.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may Concern, I informed the credit reporting agencies that the account XXXX balance {$320.00} account name XXXX XXXXXXXX XXXX is an account that should not be reflecting on my reports because the account has been paid off. I asked that these accounts be verified and unfortunately they have not due to the affect that they still are reflecting on my reports as a collection account. I am asking that these accounts be removed immediately. I have proof that this account was paid XXXX. Also there is another account that needs to be removed from my credit report due to identity theft. The account name is XXXX XXXX XXXX. The account number for this account is XXXX, and the balance on this account is {$2100.00}. I never had this account and this account was not opened with my permission. Please remove as soon as possible. 
Also the only names that should be reflecting on my personal information on all three credit reports is XXXX XXXX XXXX. The only address that I should be affiliated with is XXXX XXXX XXXX XXXX XXXX. The only telephone number that I should be attached to on my credit profiles is XXXX only and the only Employers that should be listed is XXXX XXXX. Please update with all credit reporting agencies. 
Thank You with kind regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Was not given an opportunity to pay this before it went on my credit report and I did not consent to have my credit ran for a payday loan
Product: Credit reporting or other personal consumer reports

Im frustrated with the persistent inaccuracies on my report that are directly harming my score. This isnt just a minor issue ; its affecting real opportunities and my ability to grow financially. Its exhausting and unfair to be penalized for information thats wrong.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.
Product: Bank account or service

I signed up for a CitiGold checking account in XXXX 2016 with the promotion code : XXXX. This promo code gives XXXX AA miles when you have XXXX consecutive bill pays and {$1000.00} debit card purchases within 60 days of opening the account. When signing up, I ensured that the code went through into my account on the right-hand side before proceeding to open the account. 
After 60 days, I contacted Citibank regarding the status of my account and when I would receive my miles. They told me I had qualified for the promotion and that the miles would be applied to my account in XXXX 2016. When I logged in again in XXXX and inquired about the miles, they had told me they put a claim through. In XXXX, I heard nothing back from Citibank and inquired again. This time, the representative put through a claim and I received a response back stating that the promotion code was not applied to my account and I did not qualify for the promotion. 
Each time I spoke with a representative, I inquired about downgrading my account, but each representative said that they can not until the promotion value has been added to the account. Because of this, I continued to pay the $ 30 monthly fee for having a CitiGold account. None of the employees would allow me to downgrade the account because I had qualified for the promotion and was advised to keep it opened until everything was settled and cleared. 
I was told by two representatives that the promotion code was on my account and that I had qualified, and told by another representative that they could not see the promotion code and that they are unable to give me the points. If one representative was able to see the promotion code, why were the other representatives unable to see it too? 
It is not XXXX going into XXXX and my XXXX AA Miles have still not been credited into the account.
Product: Mortgage

XXXX XXXX XXXX sent me a nonrenewal letter for insurance because they claim I had 3 claims/losses this year. This is not true. I had a roof replaced in XX/XX/2017. Policy of 20 years XXXX XXXX, roof claim XXXX. S3veral other phone inquiries with no. Assigned, but no appraisal report if estimated work or other paperwork or payment. From a business accounting perspective it is not official ir legitimate. Insurance Fraud. 

We only had another roof claim 15 years ago and paid XXXX a month a year premium resulting in no loss best I can calculate. I filed a complaint with insurance commissioner. No response. XXXX XXXX XXXX did not provide detailed records to me. I think this is additional predatory harassment and good ol boy tactic to steal home. Criminal appeal pending in superior XXXX county.