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

What is this complaint about? 

Missing Credit Card Information and Loan Step 2 : What type of problem are you having? 
Constantly being denied credit as a result of the two positive accounts that I have not being accurately reported to the bureaus The accounts are with XXXX XXXX Mastercard and XXXX XXXX XXXX XXXX New Jersey which I have an installment loan with both companies report to all three bureaus. 
Step 3 : What happened? 
I have been denied for auto loans and even secured cards as my XXXX score is much lower than the other two reporting bureaus of which both of those still do not reflect my two current and good standing accounts Step 4 : What company is this complaint about? 
XXXX, Transunion and XXXX Step 5 : Who are the people involved? 
All the major credit bureaus of which I have filed a dispute with all three
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Federal Trade Commission ( FTC ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against TransUnion for Reporting Inaccurate Information Dear Sir/Madam , I am writing to formally file a complaint against TransUnion regarding inaccurate reporting of one of my accounts information.This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically section 607 ( b ), which states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

I have recently discovered that TransUnion has included inaccurate information on my credit report, which appears to be linked to identity theft. This misuse of my personal information is concerning, as it undermines my financial credibility and affects my ability to secure credit. Identity theft occurs when someone unlawfully uses another person 's personal information, such as their name and Social Security number, without authorization. 

Additionally, I request that the account associated with XXXX XXXX XXXX be removed from my credit report, as it is a violation of the FCRA to report information that is not accurate. I have supporting documents that substantiate my claim and demonstrate that this account is not a charge-off. It's best contact XXXX XXXX XXXX about this account. Wanted to point this out as well Transunion continues to send me by mail stall tactic letters. 

I kindly ask that you investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please inform me of the outcome of your investigation and any steps taken to resolve this issue.
Product: Debt collection

Ive been contacted repeatedly by TransWorld Systems Inc. Ive asked them to stop calling me and they have stated they dont have my number in their system and are unable to stop calling me. I last spoke with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed activities of debt collection from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$460.00} opened on XX/XX/2016 which was not me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

and list of Inquiries CFNA GREATER NEW ORLEANS FC 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX, I sent a letter to XXXX  requesting that they verify the validity of XXXX  XXXX Bankruptcies appearing on my credit report. Because Trans Union informed me that XXXX  was furnisher of public records ie XXXX 's. XXXX responded back with the results of their investigation. They determined that the Banruptcies were accurate because of paperwork they printed from XXXX. I had informed them that was inaccurate. Becuase I have never filed. I have been dealing with this for years. By them not doing the proper and detailed investigation because they are the ones furnishing this unverifiable information without my consent, it is defaming my character and harming financially, because again they are refusing to conduct a proper investigation. I was told to go the courthouse by them and get it corrected. First off XXXX court does not furnish information to credit furnishers and CRA 's, Secondly since they took the liberty to report inaccurate information, I think its their job to ensure accuracy prior to sending public record information to the credit bureaus.Since they claim to be a furnisher for FCRA purposes and deal directly to Trans Union. Under law my credit report should have the most accurate information possible. I also contacted XXXX and requested them to validate any XXXX  XXXX 's that be on my credit file. I was sent a letter from them dated XX/XX/2022 indicated that their investigaton was complete and it was determined that data being reported as unveriable and has been removed from their records. And confusing is they used the same method of verification as XXXX. I am willing to take further actions if XXXX  and Trans Union continues to not take my request seriously. 

I am enclosing letters from XXXX, XXXX, and XXXX XXXX court house
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX-XXXX  XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an issue with my Experian credit report not reflecting my mortgage or Heloc loans. 

XX/XX/XXXX - Notified via my Experian app that my score dropped XXXX points ; looked at my report and saw that neither my primary mortgage or my Heloc were reporting from XXXX XXXX XXXX ( XXXX ) as usual ; sent an email to XXXX inquiring about this issue XX/XX/XXXX - received email from XXXX that mortgages are in good standing and have been reported ; told to use the credit section of my XXXX app to sign up for credit reporting through " XXXX XXXX '', of which I did not do this since they are not one of the top XXXX credit bureaus ; filed a dispute with Experian ( XXXX ), also filed a dispute with XXXX ( XXXX ) ( No response at all from either company ). 

XX/XX/XXXX - called Experian again and told by Experian that XXXX is not reporting ; that Experian can not assist me ; dispute was useless XX/XX/XXXX - sent email to Experian customer service that they are in violation of the Fair Credit Reporting Act due to their unwillingness to correct inaccurate information XX/XX/XXXX - told by XXXX mortgage representative ( XXXX ) that Experian refuses to report ; told this is affecting all XXXX customers yet the XXXX mortgage services department will not release anything in writing to it's customers and said their legal department is " aware of the issue '' yet no notices were sent XX/XX/XXXX - called Experian again and was told that " what is showing is reflecting what XXXX is reporting '', yet the other XXXX reporting agencies of XXXX and XXXX are both showing my XXXX loans ; Experian refused to assist and refused to file a new dispute. 

XX/XX/XXXX evening- received a call from XXXX mortgage department ( XXXX ) stating they had just received an email that Experian 's reporting should be " turned back on '' by XXXX, XXXX XXXX. 

Both companies are in grid-lock saying it's the other one 's fault. Neither have fixed my report and both have failed to notify customers or respond to disputes for XXXX weeks. I have documented this in writing to both companies. Someone is not telling me the truth.
Product: Debt collection

I am requesting proof that I owe this debt, including all account information and documentation bearing my original wet signature. 

National Credit System Amount- {$4100.00} Date - XX/XX/year>
Product: Debt collection

I have sent all three credit bureaus three level of dispute letters and contacted each creditor reporting inaccurate negative items on my credit report. Each time i have either no received a response or it came back verified without explanation on how it was verified and how did they prove it was my account to begin with. Both the creditors and Credit bureaus have been in complete violation of my rights writing in the Fair Credit Reporting Act and causing me to have a tough time obtaining knew credit. Below I will list each of the creditors that i have sent validation letters to and received nothing back. 
Credit Collection Service
Product: Mortgage

My main complaint about PNC is that their system has a closing date for my recent Home Equity Line of Credit Loan as XX/XX/2021. They set my first payment due on XX/XX/2021, even though I've never had a loan due the month after closing. They are saying that only first mortgages require this waiting period. Is that true? 

The closing document has " XXXX XXXX Date : XXXX '' but no month.
Product: Debt collection

Subject : Cease and Desist Notification Pursuant to 15 U.S.C. 1692c ( c ) Account # XXXX This letter serves as my formal notification that, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am requesting that you immediately cease all communication with me concerning the alleged debt associated with account number [ Account XXXX, XXXX ]. 

Please be advised that the FDCPA prohibits debt collectors from further contacting a consumer upon written request to cease communication, except to confirm receipt of the request, inform the consumer that no further action will be taken, or notify the consumer of specific legal actions that may follow. Any further attempts to contact me beyond these exceptions will be considered a violation of federal law and subject to appropriate legal action.

This request applies to all forms of communication, including but not limited to : Phone calls ( including calls to my home, work, or mobile phone ) Written correspondence Electronic communication ( e.g., email, text messages ) Please note that failure to comply with this request may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or my state attorney generals office. Additionally, I reserve the right to pursue legal remedies available to me under the FDCPA and other applicable laws.

If you believe this debt is valid and intend to take legal action, please limit your correspondence to written communication sent to the address provided above. 
Thank you for your prompt attention to this matter. I trust that you will honor this request and ensure compliance with the law. 

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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXXXXXX Balance : {$720.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$970.00} SXXXX XXXXXXXX Balance : {$640.00} XXXX XXXXXXXX Balance : {$530.00} XXXX  Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I found out that I was embezzled and identity stolen to commandeer several accounts in my name. Two personal credit cards originally opened legitimately, were supposed to be closed or inactive, one for XXXX XXXX and the other for TD Bank ( see attached ). Unbeknownst to me, they were taken over by a former employee, XXXX XXXX, who charged over {$100000.00} on two credit cards by forging signatures. There were balances left on the cards, and eventually the companies charged off balances as bad debts, listing them as delinquencies, even though that was 100 % fraud. I found out through a telephone call from XXXX XXXX about the first card which had a ~90 day past due balance. The TD Bank account was discovered still open with a balance after checking my credit. I notified both banks and let them know this was fraud, however they would not believe me. However they said they would listen to law enforcement if the perpetrator was charged. Due to the complexity of the case, the perpetrator, XXXX XXXX, XXXX XXXX XXXX XXXX, was not charged until this year by the XXXX XXXX District Attorney 's office for these crimes. She was charged for XXXX XXXX XXXX XXXX, was XXXX and is now awaiting a XXXX or XXXX. I have disputed both accounts since I was aware of the fraud, however the two cards are still listed as delinquencies on my credit reports. These claims were investigated by XXXX Police detective XXXX ( XXXX ) XXXX or ( XXXX ) XXXX, as well as by XXXX XXXXXXXX XXXX XXXX a former FBI XXXX XXXX  crime investigator, ( XXXX ) XXXX, email : XXXX. The accounts were actually illegally paid by the same person who embezzled from them by intercepting the mail, and paying them through a corporate account illegally, so I was unaware the accounts were being embezzled for about four years starting XXXX.
Product: Credit reporting or other personal consumer reports

This company is engaging in securities fraud by unlawfully using my identity to extort me, and they have falsely reported a charge-off on my account. Under IRS regulations, specifically 26 U.S. Code 61 ( a ) ( 12 ), a charge-off or cancellation of debt ( COD ) is considered taxable income. The IRS requires that any forgiven debt over {$600.00} be reported as income using Form 1099-C, " Cancellation of Debt, '' unless certain exemptions apply. By misreporting this charge-off as merely a negative credit item without acknowledging the income implications, the company is violating both IRS tax reporting requirements and SEC regulations governing financial disclosures under Section 10 ( b ) of the Securities Exchange Act of 1934 and Rule 10b-5, which prohibits fraudulent financial misrepresentations. Given these violations, the charge-off must be deleted from my credit report, as it inaccurately reflects the financial transaction and misrepresents taxable income.
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS FRAUDULENT ACCOUNT XXXX XXXX XXXX  TO BE FURNISHED ON MY XXXX XXXX EQUIFAX I HAVE KNOW KNOWLEDGE OF THIS ACCOUNT I HAVE FILED A POLICE REPORT OF FRAUD. PLEASE DELETE PROMPTLY THANK YOU SIRS/MAAM ACCORDANCE WITH 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE FRAUDLENT ADDRESSES NAMES ACCOUNTS TO BE FURNISHED ON MY XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, TELEPHONE # XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL , XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX, FL XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX PLEASE DELLETE THESE IMMEDIATELY I HAVE KNOW KNOWLEDGE OF THIS FRAUD!

I am willing to prosecute.
Product: Credit reporting or other personal consumer reports

15 u.s. code 1681 ( i ) - re inserted an item and never notified me within the timeframe. penalty {$1000.00} per item. Discover Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Transunion on XX/XX/XXXX requesting to investigate and verify the Accuracy of the account on my Credit Report. These items ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) are reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Transunion to investigate the erroneous items and have it corrected. 

XXXXXXXX XXXX XXXXXXXX Late Dates XXXXXXXX XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/XXXX, XXXX  Inquiry Date XXXX
Product: Mortgage

On XX/XX/2020, I closed out a HELOC and I was supposed to get a refund of {$240.00} for the principal that I had paid. Bank of America has not refunded me. Today is XX/XX/2020. I have called them, went to meet with them and all they have said that a refund check was mailed to me on XX/XX/2020. I have not received that check. on XXXX XXXX, they stated on a call with them that they would investigate the lost check adn reissue the check. XXXX, who I spoke to gave me a case number # XXXX. I am on hold waiting to speak to a representative right now and have been on hold for over 40 mins. I don't know what to do to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been some inaccurate information reported on my file.
Product: Credit reporting or other personal consumer reports

I have had XXXX loans on my credit report for a school that i didnt attend and the dates that they hey say that i started keep changing. ON my most recent credit report its saying now that the loans started in XX/XX/XXXX and my most recent payment was in XX/XX/XXXX these are both false and ive tried numerous times to get this inaccurate information removed from my credit file and the credit bureaus tell me the information is accurate. when i write them requesting that they show me how they validated the debt which they are required to do under law when requested, i never receive a response.
Product: Credit card or prepaid card

XXXX XXXX, 2020. I tried accessing my credit card year-end summary. It was not available online. When I asked where to find it, I was given a random URL ( https : //www.penfed.org/forms/credit-card-annual-summary-request ) to go to to request it. By random, I mean it isn't accessible from any links on the website. You have to know where it is. I also tried the search function with " credit card year end summary '' and then just plain " year end summary and it didn't show up. Once on the page, I found out it isn't just a page to get the summary, but to ENROLL in a REQUEST to get one AND the request has to be made by XXXX XXXX of the prior year. When I asked about this I was told ( paraphrased ) " nothing we can do ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a bank by the name of Wells Fargo did a hard pull inquiry without my permission. I have reported it to the XXXX  XXXX  XXXX XXXX   XXXX  as well as to all three credit bureaus. As a result of this unauthorized hard inquiry, my score dropped by 9 points. This inquiry into my personal credit file was I repeat never authorized by me. I have been careful not to request or authorize hard inquires of my credit for the very reason that I am trying to refinance a loan. This now puts me into a lower catagory and higher interest which is counterproductive. I wrote all three credit bureaus and asked for the immediate removal of the hard credit pull by Wells Fargo. I also called a number on the credit report of a Wells Fargo Bank but no one picks up at the opposite end.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an error, discrepancy, and unrecognizable account that is appearing on my credit report. Upon careful review of the information provided by your agency, I have identified several inaccuracies in your reporting. 

XXXX XXXX XXXX XXXX