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

For the past nine months dating back to XX/XX/2017, I have been in dispute with Transunion re : a derogatory tradeline reported by a company named XXXX XXXX XXXX alleging that I owe a balance of {$230.00}. I have requested Transunion verify this account with factual tangible documentation bearing my signature proving this account is legitimate and belongs to me. I have requested the names, addresses, and telephone phone numbers of actual people Transunion verified this account with. In addition, I have requested Transunions method of verification and to no avail, all my requests have been ignored. In response to my dispute, I have received nothing more than a computer-generated response letter continuing to claim this derogatory XXXX XXXX XXXX account has been verified and is being reported accurately. Upon the initial dispute with all three credit bureaus back in XX/XX/2017,  XXXX and XXXX promptly deleted the derogatory XXXX XXXX XXXX account from my consumer credit reports as XXXX  and XXXX were unable to verify the XXXX XXXX XXXX account belonged to me and that the account was being reported accurately. Based on XXXX and XXXX  response to my dispute re : XXXX XXXX XXXX, I believe Transunion is acting in bad faith and violating my consumer rights as well as the Fair Credit Reporting Act section 609 and 611 by not complying with continued requests for factual documentation, substantial evidence, and method of verification to verify this Enhanced Recovery Company account. This is my final attempt reaching out to XXXX requesting compliance with federal laws and for the permanent deletion of the derogatory tradeline being reported by XXXX XXXX XXXX. Since XX/XX/2017 Transunion has been unable to verify and substantiate their claim this Enhanced Recovery Company account belongs to me and is being reported accurately. In receipt of this CFPB complaint and at the expiration of the allotted time frame given to Transunion re : this matter, should Transunion continue to report this unverified XXXX XXXX XXXX account on my consumer credit report, I will be pursuing legal action seeking damages for violations of the Fair Credit Reporting Act including but not limited to section 609 and 611.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} citicardscbna date opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please help me. Ia attached my driver 's license, proof of address. I need your help to remove this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update and verify the following account below, which is not mine but is reporting on my credit report, the information reported is incorrectly. I have never incurred debt with these creditor, I did not made or authorized it. The account is not mine! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never authorized anyone to make enquiries on my behalf, nor have I done it myself. From XX/XX/XXXX, until XX/XX/XXXX, I sent letters with entire attachments of my personal data and credit reports. However, the requests I made were purposefully ignored and denied, which I thought was unprofessional on the part of the Bureaus. This will be my final effort to ask for all paperwork to be given to me and issued. If my request is not complied with, the following unauthorised inquiries should be immediately removed : XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit report is still showing XXXX AND XXXX accounts as charge offs. I have paid off these accounts in full dealing with the banks directly and there is no outstanding balance on any of these accounts. Please note the details below : XXXX XXXX XXXXXXXX AMOUNT PAID IN FULL- {$7700.00} XXXX XXXX XXXX  AMOUNT PAID IN FULL - {$3500.00} I request to review these and ensure they don't show up as charge off on my credit report going forward. Thank you in advance for your understanding and help XXXX XXXX
Product: Credit reporting or other personal consumer reports

I opened an account at BonTon years ago, and it went to collections. They sold the account to XXXX XXXX XXXX XXXX. I settled that account with XXXX XXXX XXXX and it is paid in full. 

For one, this account should not even be on my report, due to the fact they sold it to XXXX XXXX XXXX XXXX. Second, the account is not delinquent, it is paid in full. I have disputed this. I was told by Comenity Bank this would be taken care of and taken off. 
I am about to close on my first house, and this account is holding me back from getting the loan.
Product: Checking or savings account

On XX/XX/XXXX I received a message on my banking app saying my account had been locked. The message did not specify why. The message requested my social security card, my id, and two of my banking statements with my XXXX XXXX XXXX account connected to this account. 

When I called the Company they would not tell me why my account had been locked. I submitted the documents requested on sunday. My account is still locked. 

This is my main bank account. I was closed out of it without advance notice. I have not had access to my money or been able to receive paychecks or transfer funds for two weeks now. My paycheck from yesterday is caught in their system so ADP can not even send me a paper check. This is unacceptable. 

The Company will not tell me when it will be unlocked and has been incredibly unhelpful in resolving this issue. The account should not have been locked in the first place and it has caused me serious financial harm as I have had to run up my credit cards in order to live ( i.e., groceries, subway to work, etc. ). 

Additionally, I asked to just close out the account and they will not let me. Further, within the bank app I sent 9 messages to customer support. None have been answered. This is terrible customer service, and specifically is unprofessional being that it is a sensitive banking issue that affects my ability to pay rent, eat, etc. 

This financial institution is incredibly unprofessional, not customer focused, and should not be able to operate in this way. They should lose their license to practice as a bank.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to escalate my ongoing complaint against the credit bureausXXXX XXXXXXXX, and Equifaxdue to their continued non-compliance with the Fair Credit Reporting Act ( FCRA ) and their failure to resolve the disputes regarding inaccuracies on my credit report. 

Despite my previous complaints to the CFPB ( Complaint IDs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), all three credit bureaus have failed to fulfill their legal obligations under the FCRA, which requires them to investigate and resolve disputes within the statutory 30-day period. To XXXX XXXX : After filing my dispute well outside the 30-day window, XXXX recently requested additional documentation ( proof of residency ) before they would proceed with my dispute, despite already being in violation of the FCRAs timeline. This request appears to be a stalling tactic and an attempt to delay the investigation process further. 

XXXX : XXXX responded with a standard acknowledgment of receipt of my dispute and has since asked for additional time to process the dispute, even though their response came well after the FCRA-mandated 30-day window. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), XXXX is required to delete unverifiable information after failing to respond within the required timeframe. However, this has not been done, and the disputed items remain on my credit report. 

Equifax : Equifax has entirely failed to respond to my dispute, again violating the FCRAs XXXX requirement. To date, I have not received any communication from Equifax regarding the investigation of my dispute. 

Failure to Hold Credit Bureaus Accountable : While I appreciate the CFPB 's involvement in forwarding my previous complaints, the lack of any concrete action taken against the credit bureaus has allowed them to continue violating the FCRA without consequence. Their continued non-compliance has caused significant damage to my financial standing and creditworthiness. The absence of meaningful enforcement has led me to pursue additional remedies. 

Next Steps : Due to the failure of XXXX, XXXX, and Equifax to comply with the FCRA and the lack of accountability, I will be filing a formal complaint with the New York State Attorney Generals Office to seek enforcement of my rights as a consumer. I believe the credit bureaus must be held accountable for their ongoing violations of consumer protection laws.

I am requesting that the CFPB take immediate and decisive action to hold the credit bureaus accountable for their non-compliance, including enforcing the removal of the disputed items from my credit report as mandated by the FCRA. Should this issue remain unresolved, I will continue to explore further legal remedies. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I opened a care credit card at my vets office without being told by an actual care credit representative on how care credit interest charges work, or how the care credit card itself works. Care credit is not supposed to approve applications when done through the vet offices, but they did. So I opened this card and was only told by the vets office that if purchases were paid off within 6 months, there would be no interest charges. But I was never told that care credit will charge you HUGE amounts in interest and that each payment you make, will NOT go toward the oldest charge and promotional offer that expire first, and to do that, you have to call care credit and make payments over the phone every month and verbally state or specify which charge and promotional offer to apply your payment toward. I was never told this by anyone when opening my account. That is extremely deceitful and bad business. So whenever I made payments, care credit did not apply it to the oldest promotional offer, like they should have. I never received any information on how care credit interest works, when first opening my account at the vets, nor did I ever speak to a care credit representative at all when opening my account. They charged me {$790.00} of interest in XXXX of 2022 alone, due to expiring promotions. I was charged other large amounts of interest like that in other months because of expiring promotions again, racking up my bill and making it impossible to catch up or pay off. I never missed a payment and always paid more than the minimum. I called in XXXX of 2022 to talk with the company and even a manager and tell them I had no idea this was how they worked and that it was crazy to charge people these large amounts of interest and I asked them to please reverse at least some of these insane interest charges so I could catch up and pay off this card and they refused to work with me. Anytime I told them how I was not informed on how their credit card or interest worked, they ignored me and kept saying they could not help me.
Product: Credit card or prepaid card

I previously submitted a complaint ( XXXX-XXXX  ) stating that i never received a XXXX XXXX XXXX that I redeemed points for. I received an letter from American Express noting that they would re-process the XXXX XXXX XXXX and sent it to me. I received two seperate emails on XX/XX/2021 and again on XX/XX/2021 indicating that my redemption order has shipped. It has now been a month and i still haven't received it. I don't have any issues with my mail and I don't understand why this keeps happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal credit report has a delinquent account referring to " Utilities '' from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX. I have tried to contact them to find out what this is for and can not reach a representative. When I call, a recording trying to sell everything from car insurance to XXXX XXXX comes on. I do not have any idea what this is for. The first delinquent date of XXXX XXXX  report is noted XX/XX/2020? The account # from them is noted XXXX. and is noted as " individual account '' all of thisinformation is included on the file attachment.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter on XX/XX/year> asking them to reinvestigate these accounts listed below because XXXX XXXX - XXXX The dates on this account are incorrect. The information in the remarks field is missing or incorrect. 

XXXX - XXXX The credit limit and/or high balance are incorrect. This account is too old to be on my credit report. The payment history/rating is incorrect. The dates on this account are incorrect. The information in the remarks field is missing or incorrect. 

XXXX XXXX XXXX XXXX  The credit limit and/or high balance are incorrect. This account is too old to be on my credit report. The payment history/rating is incorrect. The dates on this account are incorrect. The information in the remarks field is missing or incorrect. The payment terms or account type are incorrect. 

XXXX - XXXX The dates on this account are incorrect. The information in the remarks field is missing or incorrect. 

XXXX - XXXX I have no knowledge of this account. 

XXXX - XXXX The credit limit and/or high balance are incorrect. This account is too old to be on my credit report. The payment history/rating is incorrect. The dates on this account are incorrect. 

XXXX - XXXX This account is too old to be on my credit report. The payment history/rating is incorrect Account status is incorrect. The dates on this account are incorrect. The information in the remarks field is missing or incorrect. 

XXXX - XXXX This account is too old to be on my credit report. The dates on this account are incorrect. The " Account in Dispute '' remark is missing or incorrect. 

XXXX - XXXX This account is too old to be on my credit report. The dates on this account are incorrect. The information in the remarks field is missing or incorrect. 

XXXX XXXX XXXX XXXX XXXX Balance was paid in full. 
I also received the down payment back on this secure credit card account before it was closed. 
The balance and/or past due are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
The credit limit and/or high balance are incorrect. 
The payment history/rating is incorrect. 
The dates on this account are incorrect. 
This account is settled. I closed this account. 

XXXX XXXX XXXX XXXX XXXX  The credit limit and/or high balance are incorrect. The balance and/or past due are/is incorrect. 

XXXX - XXXX The credit limit and/or high balance are incorrect. This account is too old to be on my credit report. The payment history/rating is incorrect. The dates on this account are incorrect. The information in the remarks field is missing or incorrect. 

They have not responded to me here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Can you look into this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to an XXXX data breach my personal identity was compromised and thus, stolen and use in a number of fraudulent ways. As a result, I have a large number of fraudulent accounts being negatively reported the three primary credit reporting agencies. I have done nearly everything in my power to have the information removed and/or corrected on my credit report. However, the big businesses ( XXXX, Transunion and XXXX ) have totally ignored the law as it relates to their responsibility to ensure that the federal laws are being followed when reporting consumers information. Much of what they are reporting on my behalf is either totally wrong, fraudulent or a violation of federal law that clearly indicate what can be reported and how it should be reported. After, numerous attempts to have the above agencies correct all that is in error on my credit report they have refused to follow the federal laws that govern how they do business. Thus, leaving me and my family in a unjust situation when it comes to living the American Dream. My request is that the credit agencies investigate as they should and not just return a response of account validated. Given the fact that once your identity has been stolen or compromised the individuals committing the fraud has all of your information. Therefore, the account may appear to be valid. However, if they do not validate my personal signature and present a signed contract, they have no way of truly validating the said information. Therefore, I humbly request that you assure that the credit reporting agencies are providing the fairest service that will ensure that my credit file is being report correctly without the said fraudulent information and ignorance of federal law. 

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

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$35.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$120.00} XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open are open. lease remove these accounts from my report as soon as possible. They do not belong to me. XXXX {$470.00} XXXX XXXX XXXX XXXX {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease with XXXX. The lease was terminated early because the vehicle was total in a accident that I was not a fault for it. It was a hit and run, but driver was located after. 
XXXX was paid by my insurance company XXXX. When XXXX close the account they listed a remark early termination balance owning. I contacted XXXX to get this corrected and I disputed with the credit XXXX, Equifax and XXXX. Nothing has been done to corrected. I was never late or owed any other monies to XXXX. Everything was paid off including property taxes.