23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and bring to your immediate attention several inaccuracies that I have discovered in my credit report, as provided by your agency. The discrepancies pertain to the accounts listed below : Account 1 : Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX Phone : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Date Updated : XX/XX/XXXX High Balance : {$320.00} Original Creditor : XXXX XXXX XXXX Past Due : {$320.00} Pay Status : >Collection< Estimated Removal Date : XX/XX/XXXX Remarks : >PLACED FOR COLLECTION< Account 2 : Address : XXXX XXXX XXXX XXXX , XXXX, FL XXXX Phone : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Date Updated : XX/XX/XXXX High Balance : {$620.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : {$620.00} Pay Status : >Collection< Estimated Removal Date : XX/XX/XXXX Remarks : >PLACED FOR COLLECTION< Upon reviewing the information provided in my credit report, I have identified discrepancies that are not only misleading but also damaging to my creditworthiness. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and timely reporting of my credit history. I kindly request an immediate and thorough investigation into the following discrepancies : Incorrect Address : The address associated with Account 1 is inaccurate and does not correspond to my current or previous residence.

Inaccurate Collection Status : Both Account 1 and Account 2 are inaccurately marked as being in collection status. I dispute this status, as it does not reflect the true nature of my financial obligations. 
Incorrect Original Creditor : The original creditor listed for Account 2 is inaccurate, as I have no history or association with XXXX XXXX XXXX XXXX. 
I request that you investigate these discrepancies promptly, verify the accuracy of the information with the relevant creditors and furnishers, and correct any inaccuracies found during your investigation. Additionally, I request that you provide me with a copy of the corrected credit report once the investigation is complete. 

I have enclosed copies of the relevant portions of my credit report, highlighting the discrepancies for your reference. Please consider the supporting documentation attached. 

I am confident that your prompt attention to this matter will lead to the necessary corrections, ensuring that my credit report accurately reflects my financial history. I anticipate receiving a written response outlining the results of your investigation and the actions taken to rectify these inaccuracies. 

Thank you for your immediate attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX I has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

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

I SUBMITTED MY REQUESTS TO XXXX AND EXPERIAN USING THE ANNUAL CREDIT REPORT REQUEST WEB SITE. BOTH SITES HAVE REJECTED MY ELECTRONIC REQUEST. EXPERIAN STATING A CONDITION EXISTS THAT PREVENTS THEM FROM ACCEPTING MY REQUEST AND TO MAKE MY REQUEST BY MAIL. XXXX HAS REFUSED MY ELECTRONIC REQUEST FOR YEARS. I COMPLAINED ( XXXX ) A YEAR AGO AND RECEIVED THE XXXX CREDIT REPORT DATED XXXX XXXX, 2015. I DO NOT UNDERSTAND WHY I CAN NOT DO SO ELECTRONICALLY. IF THERE IS SOME SORT OF ERROR IN THE FILE PREVENTING ME FROM OBTAINING THE REPORT, I HAVE NEVER BEEN GIVEN AN OPPORTUNITY TO CORRECT IT. I PREFER TO MAKE MY REQUEST ELECTRONICALLY USING AN ENCRYPTED WEB SITE RATHER THAN SEND MY PRIVATE INFORMATION THROUGH THE MAIL. MY REQUEST IS TO RESOLVE THE MATTER AND BE ABLE TO REQUEST MY REPORTS ELECTRONICALLY.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights . 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

Since XXXX I have gotten harassing letters and phone calls from Wells Fargo bank about a loan taken out by a woman named XXXX XXXX, it is a car loan. I have contacted the bank at least a dozen times over the past 4 years, and every time I was told it was the last. In XXXX I was called again, since I am on the do not call registry Wells Fargo was forced to pay me {$1500.00}. You would have thought that this would have made them learn their lesson, well you would be wrong. Last night on XX/XX/XXXX a process server came to the apartment building I live in saying he had papers to serve to XXXX XXXX. When I told him I did n't know her and would not take the papers to give to her he became abusive and called me a XXXX XXXX. He said the papers where about an auto loan and I had better pay the loan or I would get in trouble. This is the last straw, I demand that someone at Wells Fargo be arrested and that they pay me at least {$5000.00} for their crimes and harassment, I suggest that XXXX XXXX XXXX, their research and remediation manager be arrested as he is the last person I dealt with and was the one who paid me the {$1500.00}, he also said this would be the last I would hear from Wells Fargo and LIED ...
Product: Credit reporting or other personal consumer reports

My student loan was forgiven in XXXX. It was not updated to Experian. After a few phone calls I filed a dispute. Experian blames XXXX. XXXX blames Experian. The dispute was finalized as incorrect. ( Still showing a balance of a little over {$300000.00} ) I created a new dispute which Experian simply combined with the previous dispute and declined it as well. Even though the information they used was from XXXX. 
The information was again reported by XXXX  on XXXX. I spoke with someone today who again said it's not their problem and for me to call XXXX. I waited on hold for XXXX hours to speak with someone at XXXX. They confirmed that this information was reported to Experian on XXXX even though Experian says it was not. 

The people who answer the phone for Experian are rude and very condescending.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion failed to investigate my dispute requests. 

Transunion is in violation of Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX .... Balance : {$17000.00} ; DEPT OF ED/XXXX XXXX .... Balance : {$5100.00} ; DEPT OF ED/XXXX  XXXX XXXX .... Balance : {$2000.00} ; DEPT OF EDXXXX XXXX XXXX ... XXXX Balance : {$1400.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance XXXX {$2600.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$4600.00} ; XXXX  XXXX XXXX .... Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX. Balance : {$1900.00} ; XXXX XXXX XXXX .... Balance : {$410.00} ; XXXX  XXXX XXXX .... Balance : {$3700.00} ; XXXX XXXX XXXX .... Balance : {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. 1.This account should not be reporting on my credit report : XXXX XXXX XXXX  account XXXX ( XXXX ). 2. I did not authorize this inquiry so please remove it : XXXX XXXX Bank dated XXXX. XXXX, 2022. This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, 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. Sincerely, XXXX XXXX
Product: Mortgage

I called today XX/XX/year> spoke with XXXX, explain that the payment went up from {$750.00} to {$1100.00} due to the XXXX XXXX that is still being charge on my account as seen on page XXXX of my PDF file. Where it states Expected Payments XX/XX/year> XXXX XXXX {$340.00}. Thus is why my payment for XXXX went from {$750.00} to {$1100.00}. According to agent, reason was because they didn't received the Flood Insurance in time, and that the Escrow Analysis shows the amount of {$1100.00}. But that starting XX/XX/year> my payment go back to {$750.00}. Advised agent that I live in a HOA and that every year SPS states they never get the XXXX XXXX XXXX from my Association. Yet, every other bank does!!! I advised that the Escrow Analysis has to be done again to remove the XXXX XXXX for XX/XX/year> which will result in monthly payment going down too {$750.00}.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion regarding their refusal to investigate and correct inaccurate information on my credit report, as detailed in their recent message to me dated XX/XX/year>, under File Number : XXXX. 

Background : I recently initiated a dispute with TransUnion to correct inaccuracies in my credit report. However, I received a response from TransUnion stating that they did not process my request because they claimed it did not appear to come directly from me or a properly authorized third party. This is inaccurate, as I submitted the dispute myself and have not engaged any third-party services to handle my credit disputes. Furthermore, the inaccuracies on my credit report are having a significant negative impact on my credit score and my ability to secure a mortgage, as I am in the process of purchasing a home. 

Issues : 1. Failure to Conduct a Reasonable Investigation : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. TransUnions refusal to investigate based on their incorrect assumption that my request was not submitted directly by me is a clear violation of this provision. 

2. Right to Accurate Credit Reporting : The FCRA also stipulates that credit reporting agencies must report accurate information ( 15 U.S.C. 1681e ( b ) ). The inaccurate items on my credit report have not been addressed, despite my legitimate dispute. This failure to correct inaccurate information is damaging my creditworthiness and is preventing me from accessing essential financial opportunities. 

3. Potential Violation of Consumer Rights : TransUnions suggestion that I may be working with an unauthorized third party, and their failure to act on my legitimate dispute, not only delays the correction of inaccuracies but also implies a potential violation of my consumer rights under the FCRA. 

Requested Resolution : I am requesting the CFPBs assistance to ensure that TransUnion : 1. Immediately conducts a thorough and reasonable investigation into the disputed items on my credit report, as per FCRA requirements.

2. Corrects or deletes the inaccurate information from my credit report.

3. Provides a detailed explanation of the steps they took to investigate my dispute and the rationale behind their decisions. 

The inaccurate information on my credit report is unfairly hindering my ability to purchase a home, and I seek prompt resolution of this matter. 

Thank you for your attention to this issue. I look forward to your assistance in ensuring that my rights under the FCRA are upheld.
Product: Credit card or prepaid card

Your credit card application has been received, We wanted to let you know that we've received your application for the Free Spirit Travel More World Elite XXXX. We're currently reviewing your information and you can check your application status online at any time. 


Got the above email from Bank of America on Saturday, XX/XX/2022. I did not apply for any credit line or made any inquiry to my credit. I immediately tried to contact Bank of America and the credit Bureau but Im assuming because of the weekend I had no luck. So I waited until now, which is Monday XX/XX/XXXX to contact XXXX and file a dispute. I will attempt now to call Bank of America again.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. 
According to the fair credit reporting act XXXX XXXX XXXX. I have the right to privacy. 
Also, according to XXXX XXXX XXXX. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : Account Name : XXXX XXXX XXXX, Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 2 years, I have been actively disputing 2 accounts listed on my credit report that are not mine. I have provided proof that the bill belongs to another person and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the means of verification, when asked.
Product: Credit reporting

I submitted my complaint with Experian on XX/XX/XXXX for the XXXX time. When I pull up the case number my dispute does not appear and it will not let me dispute again. I have tried to call Experian during business hours, but the message states they are closed. 
The problem began with XXXX in XXXX XXXX in XXXX when they reported that I had XXXX late child support payments. I was XXXX military during this time, and the payments were automatically deducted from my pay. I learned of this negative information after returning from a XXXX in XX/XX/XXXX. I had tried to resovle this with XXXX & Experian around this time, but I was told the information was correct on their end. I recently uploaded the supporting document from XXXX ( XXXX pay ) to show Experian that I was never late and payments were deducted. XXXX & Experian have been negligent to correct this information. Please help me, it has been on my credit report too long. XXXX & Experian need to take responsibility for reporting incorrect information. My insurance rates and rental deposit rates have been higher, and my credit score has not improved as a result of this incorrect information listed under the negative items area.
Product: Credit card or prepaid card

I made a purchase of a gift card reload of {$1900.00} with my Barclaycard Rewards Mastercard. I then noticed a cash advance fee was charged to my account. This transaction was not a cash advance and was incorrectly coded as one. In addition, I had previously set my cash advance limit to {$100.00} when I originally opened the card in XX/XX/XXXX. Therefore, if this transaction was going to code as a cash advance, it should have been declined and not gone through in the first place. I tried to resolve this with Barclaycard ( spoke with a representative named XXXX on XX/XX/XXXX ) and while they finally refunded the fee after much debate, they were unable to do anything to correct the incorrectly coded transaction. I was specifically told " this transaction was not declined based on your cash advance limit because it was a manual transaction and was not a cash advance '', which contradicts everything else I was told.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan she tells me I got denied by a few points an I have default lonesci explained my identity was stolen by my wife an Im trying to rebuild my credit she then says we cant help you
Product: Bank account or service

I had a personal checking, and a business checking account with Wells Fargo. There had been some previous fraud activity by a XXXX relative on my account, so I added extra security measures by requiring a verbal password every time changes were to be made on my accounts. The bank recently on XXXX XXXX, 2015 allowed this person to close my account, open a new account with my money, and also withdraw money. This person was also allowed to claim many of my purchases as fraud in an attempt to get more money. I found out about the incident when I tried to use my bank card to pay for parking and it was declined. I called customer service to see what the problem was, only to be told that they could not help me unless I had the fraud claim reference number ( the report which I did not file ). The bank did not follow any protocol by asking for the verbal password. Instead, I was left unable to have access to my money until I was able to go into a branch and prove my identity. After the bank verified that this was a false fraud claim, the bank still moved forward with honoring the claim. Many of the purchases, which included personal bills and other business expenses, were returned to the bank. This reversal of payment caused me to incur canceled check fees, shut-off notices, and I had to buy my XXXX back since the hosting service was XXXX of the purchases filed on the false fraud claim. I had to repay all of those bills with my own money to avoid more fees and to keep my utilities in service. Later, the bank gave me a credit of {$1300.00} which was part of the amount filed as fraud. I went into a branch to verify what the credit was for, and I was told that this was my money because the bank realized that they made a mistake. The bank ended up taking the credit back from me, leaving my account negative over {$1100.00}. The bank said that they took the credit back because they realized that I was the one who made the purchases and that they could not honor my claim. The credit was not listed as a temporary credit ( as they usually list it as temporary until they finish the investigation ). I explained to them that I was not the one who made the claim and that I was told that the credit was given to me because of the money that had already been returned to the bank from the merchants. It then became a problem with miscommunication because none of the bank 's departments understood what was going on even after I explained it to them many times. The problem is that now, I still dont have the money that the bank took from the merchants, nor do I have the credit they gave me. When the person filed the false claim, they also were allowed to withdraw cash, which the bank did not honor. So I am out of all of this money and the bank has not lost anything. They are refusing to take responsibility for their mistake. They gave this person all of my personal information including print-outs of my purchases, documentation stating the password on my account, my business contacts, and a lot of other sensitive information. Wells Fargo should be held accountable for this breach in security.
Product: Money transfer, virtual currency, or money service

I had someone that was sent money from my account without my permission twice. I believe the amounts were {$5000.00} twice.