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

On or about XX/XX/2019 TRANSUNION LLC received a letter from me in which I asked for verification of alleged accounts on my credit report. TRANSUNION LLC has refused to respond as I now demand the accounts in question be removed from the credit report of XXXX XXXX or provide the method of verification used to list these accounts on the credit report of XXXX XXXX. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ''. In compliance with this method of investigation provide the following : 1.name, address, and telephone number of each person contacted regarding each alleged account. 
2. A copy of any documents provided bearing my signature, showing that I have a legally binding contract or that positively identifies XXXX XXXX ( such as public records showing full ss # of XXXX XXXX with signature ) as person responsible for or obligated to alleged accounts and public records. 

Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Product: Debt collection

I was informed that there were debts in collections that were actually accrued by my now ex husband. He wasnt paying them and it was/is ruining my credit so I did the right thing and set up payments. Now that I am almost done paying in the debts, I called the company to request a print out of the debt ( who owed the debt, the total amount paid, and the date of service ) I was informed that they could not go back and do that in their system. The representative said our system doesnt show what you have paid only what you still owe and we cant reprint. This is why we stress to our clients to keep the monthly statement we send. I was NEVER told one time I needed to keep that statement or I definitely would have. I even asked for their advice on how I could go about getting that information and she had no answers and said unfortunately I dont think youll be able to obtain that, and if you call the original creditor theyll just send you to us. I feel very helpless especially when I tried to do the right thing and pay the debts ( that really arent even mine ). The debts were from collection professionals in XXXX Illinois. There were a total of three bills. The totals that I was told were for {$940.00}, {$54.00}, XXXX XXXX.she only provided me with vague details stating one was from radiology and one was from XXXX ( our local hospital ) Please help. All I want it a print out of what I paid, who the debt was for etc and I feel I have the right as a consumer? 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I called equifax and XXXX they told me XXXX XXXX the furnisher told them they didnt send those inquiries out. XXXX nor equifax deleted the inquiries
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Credit report indicates someone applied on XX/XX/2024 for a XXXX  XXXX XXXX credit card. Got notice from Experion. Then got email notice I was turned down. Said XXXX card was for a XXXX  cruise. I did not apply for this card and have no plans to take a XXXX  cruise. It appears someone attempted to use my identity. 

I have also been a victim of attempt to scam my checking account information by posing as a fraud person at my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been diligently contacting Equifax in order to remove a Old Consumer statement from my report Since XX/XX/XXXX for a month now. The Consumer Statement was not made by me and is a result of Identity Theft in the past. All 3 of my Credit Bureaus had Fraud Alerts and Equifax Must Remove this Consumer statement. I have spoken to 3 different managers and 5 customer service representatives In Equifax customer service department and they all say they have removed the Consumer statement and will show as removed on the credit file in 72 Hours and they give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax and the Consumer statement was not done by me. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Lendmark checked my credit report without my consent. 
told no hard inquiry will be done then it made credit check on XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

All three credit bureaus : XXXX, Equifax, and XXXX are reporting a fraud account from XXXX XXXX in the amount of {$1900.00}. This is not my account it is a result of identity theft. I have disputed this fraud account several times with the three credit bureuas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are fraudulent and would like them removed from my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or companywithout my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent account : Bankruptcy XXXX XXXX-discharged Reference XXXX
Product: Credit reporting or other personal consumer reports

I have several accounts on my credit report specifically with Experian that are being reported without my permission. I have made multiple requests, and Experian has not deleted/removed these accounts. The details are as follows : Under 15 U.S. Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) 15 U.S.C. 1681b 15 U.S.C. 1681i ( 7 ) these accounts are in violation of not reporting 100 % accurate : STATE OF MI OFFICE CHI Date Opened : XX/XX/XXXX Balance : {$1000.00} STATE OF MI OFFICE CHI Date Opened : XX/XX/XXXX Balance : {$9200.00}. For the past seven months, I have asked for proof of verification along with the original contract with my signature that proves the child is mine and validates these accounts, as required by law. Neither Experian nor the creditors have provided these documents, surpassing the 30-day legal requirement for such validation. This constitutes a violation of my consumer rights. I request Experian to either present the original contracts validating these accounts or initiate a reinvestigation, compelling the creditors to provide the required documentation. This is a legal mandate, and the accounts should have been deleted/removed by now. Given the extended time frame, no dispute or investigation is deemed complete unless the original contract with my signed signature is presented by either the creditor or the credit bureau. I demand that these accounts be removed/deleted or verified immediately to rectify this clear violation of my rights.
Product: Credit reporting or other personal consumer reports

This account was charge off on the following date XX/XX/XXXX.Since then, the account has repeatedly been updated as charge- off every month.This is an update on the payment history.This inaccurate information falsely manipulates the status of limitations. You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation must remove violation of my rights idthft victim po report send hpd inquires are not mine
Product: Debt collection

Pursuant to Fair Debt Collection Practices Act 15 United States Code 1692. I reached out asking for a original contract that I signed with them and they stated that their client gave them my information they have called me over and over again multiple times a day I have had to block them. {$2200.00} for a company named Kornerstone Credit.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting The list of accounts below my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY AND ACCORDING TO 15 USC 1681EB THEY ARE SUPPOSED TO ENSURE THIS WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE TO ASSURE MAXIUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE individual WHOM THE REPORT RELATES VIOLATES US CODE 15 US CODE 1692E FALSE OR MISLEADING REPRESATIONS 15 US CODE 1666B TIMING OF PAYMENTS 15 US CODE REMOVAL OF inaccurate unverified CREDIT INFORMATION
Product: Mortgage

Our loan was paid off but Loancare did not record the payoff. We are trying to refinance and can not until the paid off loan is recorded. We are at risk of losing our refinance rate lock. We have gotten a run around. Someone was supposed to get with us last week to resolve but never did.
Product: Checking or savings account

Today I went into my banking app to see how much I received from my paycheck, only to find out that Capital One closed my checking account without my authorization or any notice whatsoever. My funds are still in there and when I attempt to transfer my funds to my other bank account, it does not allow me to. I called the customer service of Capital One to complain and ask why my account was closed, and they refused to give me any information on why, or any info on what the timeframe would be on when I would recieve my money back. There is XXXX $ in that account, which is all I have to my name and now do not have any way to buy groceries, pay my car payment, or do anything else. They have given me zero access to MY money that I earned and will not tell me when I will get it back. I literally don't know what to do from here except file this complaint. They should not be allowed to do this and I want them to give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries. And Experian did not respond to my dispute of the involved inquiries. 


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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Payday loan taken in XXXX and repaid over double amount borrowed. Interest rates does not comply with laws of Virginia. 

https : //law.lis.virginia.gov/vacode/title6.2/chapter3/section6.2-312. 

The state of Virgina caps interest rates on lines of credit at 36 %. Payday lender sold account to collection agency - XXXX XXXX XXXX  which has reported the debt to all 3 credit bureaus since XX/XX/XXXX. I have reached out to both companies requesting my initial contract and payment history and have not received it. I explained that because the loan was predatory and now unlawful, it should not be reported on my credit reports. I still have not received any responses but was sent a settlement offer decreasing the {$1300.00} to {$1000.00}. I declined the offer and asked for my contract and payment history.
Product: Credit card or prepaid card

i have had discover secured card for tow and a half years. The discover credit card has terms that it would be reviewed monthly after the 7 month to see if was eligible to become unsecured and have my security returned to me .The issue I have is that my card remains secured despite an increase in my credit score and on time payments. Customers with similar or worse credit profiles accounts have become unsecured in a much shorter amount of time. I have contacted their customer service on multiple occasions to inquire about this. The reps have told me that I can try to apply for another one of their credit cards or just close the account! I asked for the number to Discover Corporate office  and more than one customer service rep has told me thy do not have it. They did not even offer to have someone higher up contact me or call me back! This is unacceptable!!
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX  XXXX., XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am coming to you to require corrections to my credit report. After looking over my report I noticed XXXX XXXX XXXX # XXXX listed XXXX  times on my file with inaccurate payment status. There are late pays on the same account XXXX  times on top of it listed the exact same XXXX  times. The account XXXX XXXX # XXXX and XXXX CRED # XXXX is showing the same error. The credit reporting agency and the companies are not fairly reporting on my credit file and this is a direct violation per FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ). On top of that XXXX # XXXX is being reported and does not even belong to me at all. There is direct abuse towards me as a consumer and it has also brought a huge amount of stress and anxiety in my life. They have been falsely given the power to ruin lives when in reality I have all control. I don't even give Experian, XXXX, or XXXX permission to furnish anything about me at all no matter where they claim it comes from. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have already broken so many laws and I will be taking this straight to court.
Product: Bank account or service

Bank of America I have noticed holds charges then submits to charge overdraft fees, example, I would use my debit on the XXXX for a burger and fry at XXXX, that transaction will hold 3 days then when account low, I become negative and they charge me, all my transactions are never in order.I was once charged a XXXX charge.I also filed a claim on a XXXX charge that wasnt r ight, I won it, recieved a letter stating its permanent for the bank to try and take it back out of my account and charge overdraft for it.Bank of America will hold transactions to charge fees.On XXXX I woke up and my bill pay went through, its XXXX, now at XXXX I go to the XXXX and buy XXXX $ eorth of stuff, you put yhat transaction before the bill from when I eoke up, so u can charge a fee.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, and I'm writing to request that the following items be removed from my credit report. My current credit report has a list of the items I need to be removed. Ive unfortunately been a victim of identity theft and did not request the described inquiries. To improve my credit report, I request that the items be removed. I have a copy of the Federal Trade Commission 's Identity Theft Affidavit included, as well as my allegation of identity theft to the FTC. Please remove the items as quickly as you can. The unauthorized inquiries are : 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, credit repair services, or other personal consumer reports

I contacted TransUnion and XXXX regarding inaccurate reporting of 4 accounts. 
1. XXXX- 3 late payments reporting 2. XXXX XXXX- 5 late payments reporting 3XXXX XXXX XXXX - 6 late payments reporting 4. XXXX XXXX XXXX collection reporting The credit cards XXXX  XXXX XXXX and 2 XXXX XXXX accounts. I spoke to several representatives about inaccurate reporting and invasion of privacy. According to 15 US Code 1681 it is the consumer reporting agencies grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Because they are being paid to report these derogatory items they are not reporting fair and accurately and have not fulfilled their duties to re-investigate requesting physical evidence but only accept the payment and re-using the initial documents these creditors send them while neglecting the law, my right to privacy and basically accepting these payments as bribes and extortion to hurt my name and credit score. Also, as per 15 US code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party meaning any financial transactions between me and any financial institution. The creditor is sending financial statements even after I have opt-out and exercised my right of non-disclosure and after speaking with both CRAs they refuse to comply to federal laws. I want these accounts updated to never late and paid on time as a resolution. 

XXXX XXXX XXXX- I have no business with this collection agency. They have not send any physical evidence such as a written contract between this business or me. there is no trilateral contract including this company between XXXX, myself, and them. Please have this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND time contacting you about a IDENTITY THEFT issue that was not handled. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report nor to open any accounts. 

I recently went to Equifax 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses and Inquiries below are not mine and were attempted to open and also opened up fraudulently. Please delete them from my credit report Permanently!! 

InquiriesXXXX 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 Attached are screenshots of the accounts I stated that are not mines and also documents from my recent Equifax Breach. Also are screenshots of each account twice so that there is no mistake this time with the name or company.
Product: Checking or savings account

I always get paid on Thursday afternoon. I checked my account XX/XX/scrub>/25 and didnt see a payment and just thought things may be behind with all the recent holidays. I woke up this morning XXXX/XXXX/25 and still do not have my check from my job deposited. I am a XX/XX/XXXX of two with bills who works hard and whos mortgage is now late due to capital one not processing the deposit or mortgage payment to the mortgage company.
Product: Credit reporting

I sent a notice of dispute to Experian about an incorrect " Date opened '' for my XXXX XXXX XXXX account reported by them on my credit report. They report a date of " XXXX XXXX ''. This is not correct. That is the date the account was sold to XXXX XXXX XXXX. by XXXX XXXX XXXX. This account was originally opened prior to XXXX with XXXX which sold the account to XXXX XXXX XXXX. I sent Experian indisputable written proof that the account was opened prior to XXXX. I sent them XXXX account statements, letters regarding the change of ownership of the account to XXXX XXXX XXXX, and the actual affidavit of sale of the account from XXXX XXXX XXXX to XXXX XXXX XXXX. They contacted XXXX XXXX XXXX who apparently is not aware that the account was originally opened with XXXX. Experian and XXXX XXXX XXXX are " re-aging '' my account much to my detriment. This is not legal under the terms of the Fair Credit Reporting Act. Only accurate information is allowed to be reported. Experian chose to ignore my written evidence regarding the age of the account and instead relied on the incomplete and/or inaccurate records of XXXX XXXX XXXX which apparently does not have the whole history of the account. Experian is also incorrectly reporting " XXXX XXXX XXXX '' as the original creditor when in fact the original creditor was XXXX. I keep meticulous records of my accounts and I know when the account was opened and with whom it was opened. 

Experian is continuing to report the incorrect " Date opened '' of XXXX XXXX and the incorrect original creditor of " XXXX XXXX XXXX ''. I have attached evidence proving my case.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00}.