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

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that which shouldn't be reported as late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report ConsumeXXXX information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX XXXX  ( Account # XXXX ) I filed a previous complaintthat was sent to the company directy in which are refusing to update the information and has not provided proof. In addition to that they are charging me either {$25.00} or {$40.00} for late fees, and will not provide an explanation as to why they have charged these different amounts Please re-investigate and request proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they shouldn't be reported as late. In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permssion of a court of competent jurisdiction. a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion due to negligent practices in handling my credit report, which has led to the inclusion of incorrect names and addresses in my credit file. This lack of control and verification of information constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically under Sections 605, 609, and 604, and negatively impacts my rights as a consumer.

Upon reviewing my credit report, I found that TransUnion included names and addresses that do not belong to me. This erroneous information is creating an incorrect association on my profile, unfairly affecting my credit history by presenting data that does not correspond to my identity and may mislead those reviewing my report. 
Specific Areas of Concern Negligent Association of Incorrect Data : TransUnion has linked names and addresses that are not mine, likely due to inadequate controls. This problem affects consumers like myself by providing lenders with inaccurate information.

Failure to Verify and Maintain Accurate Records ( FCRA Section 609 ) : My rights under the FCRA include the assurance of accuracy in my credit file. TransUnions failure to verify and report only correct information infringes upon my rights as a consumer.

Retention of Information without Legitimate Evidence ( FCRA Section 605 ) : TransUnion has also retained unauthorized information, such as employer data, without evidence justifying its inclusion in my file. 
Negligent Reporting of Unnecessary Information ( FCRA Section 604 ) : TransUnion continues to retain irrelevant information, such as incorrect phone numbers and personal details, which does not comply with legal requirements.

Request for Intervention and Resolution Given the seriousness and persistence of these issues, I request CFPB intervention to ensure that TransUnion : Strictly complies with the law by removing all incorrect names and addresses that are not verified as belonging to me. 
Implements corrective and preventive measures to ensure the accuracy and legality of the information it reports. 
Is required to ensure that, in the future, only authorized and legally valid data is maintained in my file, as required by the FCRA. 
Thank you for your attention to this complaint. I urge prompt and firm action to enforce FCRA regulations and protect my rights as a consumer. 
Sincerely, XXXX XXXX XXXX : Supporting Documentation
Product: Checking or savings account

I am continually getting emails from TD Bank saying that I opened an account with them. Now I have gotten notice that I have opened a debit Visa card with them. I have never opened any account with TD Bank and continually call them trying to get them to stop this. They say they will transfer me to the fraud department but I have been on hold for hours with their fake fraud department. No one ever answers.
Product: Debt collection

I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
Product: Mortgage

My fixed rate 20 year mortgage originated with XXXX, was transferred to XXXX XXXX in a takeover/buyout and is now held by BB & T bank. Since the bank buyout transition in XXXX 2016 my mortgage statements have been riddled with irregularities, the worst of which, is that my 'Outstanding Principal Balance ' has n't gone down since XXXX, even though they have taken 3 payments since then. The most recent statement indicated that 100 % of the payment made was allocated to Interest and 0 % to Principal. What alerted me to the problem was that the " Explanation of Amount Due '' fluctuated irrationally from statement to statement and did not correlate with the " Transaction Activity '' after the payment had been processed. To try to resolve the issue, I went to a local bank branch and called the main number. No one seems to know what is going on, and I am certain it is not an isolated case pertaining to only my loan.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is reporting inaccurately and incomplete. I have requested documentation from this Financial Institution and have not received a response or the information I requested. It has been pass 30 days. Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX XXXX I have been disputing this account and no proper investigation has taken place and this is a violation to my consumer law rights and my mode of living. This account needs to be deleted from all 3 consumer reporting agencies immediately.

Certified Mail Receipt 01 :
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account of mine as a revolving line of credit when in actuality it is an installment loan. I have the same payment every month and can not add to the credit. The XXXX XXXX XXXX of the English Language, 5th Edition defines revolving credit as : n. Credit repeatedly available up to a specified amount as periodic repayments are made. 
n. Any form of credit that does not have a fixed number of payments n. a consumer credit line that can be used up to a certain limit or paid down at any time In addition it states in the account notes " credit line suspended. '' Lastly, I have included a letter from the bank stating the conversion. Every other bureau has this reporting correctly. When I ask XXXX XXXX what the issue is, they state that Experian is reporting it incorrectly. When I question Experian, they blame the bank. I've been getting the run around for nearly 6 months now and it's time to stop. In addition, I have sent Experian at least 3 Identity Theft reports, but they continue to state they have received nothing. I have sent all three to XXXX. XXXX XXXX, XXXX, Texas XXXX the address on there website.
Product: Credit card

There was a a JP Morgan chase card application run on my name which I told them it is not mine. I tried telling them to have it remove but they haven't.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that all payments have been delinquent for the year 2022. 
I have paid on time ( automatic payments from XX/XX/2022 to current.
Product: Debt collection

I have received calls from XXXX and indicated they were on a recorded line. Advised the number the person was calling was place of business and they need to contact on the personal phone. They have called a couple of times and it is inappropriate to call the work place.
Product: Credit card or prepaid card

I have capital one credit card but the company could not activate it. After months trying I cancelled the account. After waiting for + 3 months now they dont want to give my deposit back. They change their story over and over.
Product: Credit reporting

I have problems with Equifax who does not allows to get my credit report with Free Annualcreditreport.com, which one time per year. And I tried to contact them by emails, mails, and phones, but I do not get any respond. When I applied for loans the Creditors pull my credit it still show this problems:1./ Bankruptcy chapter XXXX ( this is more than 10 years already ) 2. Collection fraud, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED CHARGED, account # XXXX {$340.00}. All of these issues need to remove as soon as possible if you can help. These issues against with my Bank 's Loan Proposal. Since you get this message please let me know. My email : XXXXXXXXXXXX and Cell # XXXX
Product: Credit reporting or other personal consumer reports

I have 4 hard inquires on my credit report that I do not recognize. I did not authorize these inquires. 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

I am writing to express my dissatisfaction and concern regarding the delay in correcting late open accounts associated with my profile. Despite my repeated attempts and communications with your institution, these accounts have not been corrected promptly, causing inconvenience and impacting my financial standing. 

The late open accounts on my profile were identified and I immediately took action to rectify the situation. I followed the procedures outlined by your institution to address this issue promptly. However, there has been a delay in the correction of these accounts, and they continue to adversely affect my creditworthiness and financial reputation. 

I understand the importance of accurate and up-to-date information on my credit report, and I am deeply concerned about the negative impact that these late open accounts are having on my financial well-being. It is crucial that these accounts are corrected as soon as possible to prevent any further damage to my credit profile and financial standing. 

I urge you to prioritize the correction of these late open accounts and expedite the resolution process. I request transparent communication regarding the steps being taken to address this issue and regular updates on the progress made towards correcting these accounts. 

Furthermore, I expect measures to be implemented to prevent similar delays and errors from occurring in the future. As a valued customer, I deserve prompt and efficient resolution of issues affecting my financial health. 

Please treat this matter with the urgency it deserves and take immediate action to correct the late open accounts on my profile. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$370000.00}.
Product: Money transfer, virtual currency, or money service

Coinbase has prevented access to my daily transaction BTC reports by delegating administration privileges to XXXX. 
Coinbase continues to tell me, " we hope you have solved your problems. We have closed this case ''. Meanwhile nothing has been done and I am asked to submit another request using the same email thread when I inform them that I see no results. 
I have informed them that legal proceedings will commence under UCC guidelines through FTC Financial Crimes Unit.

I wish to further generate citations and submit to the FCC and FTC, please acknowledge such and forward to my email XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was seen at XXXX XXXX XXXX on XX/XX/XXXX. My bill was {$860.00} and account # XXXX. My insurance company ( XXXX ) paid {$460.00} on XX/XX/XXXX. XXXX performed a bill adjustment ( assumptive write-off ) on XX/XX/XXXX. I received a XXXX billing statement on XX/XX/XXXX with a {$0.00} balance. See attached document. 

XXXX XXXX XXXX sent me a debt collection notice on XX/XX/XXXX, which included XXXX XXXX XXXX XXXX as the current creditor and XXXX XXXX XXXX as the original creditor with an original account # XXXX ( this account number does not match my XXXX account and amount of {$1600.00} ( this does not match the original billed amount that was already paid. XXXX then reported this account as delinquent in XX/XX/XXXX. See attached document. 

I disputed the XXXX tradeline telephonically with Experian. I received a dispute response on XX/XX/XXXX that didn't remove the tradeline. XXXX continued to report the account delinquent in XX/XX/XXXX. See attached document. 

During a phone conversation XXXX XXXX XXXX, on XX/XX/XXXX, XXXX and XXXX, collections representatives, who stated a social security number that didn't match my number. I requested a debt validation from XXXX. I never received the requested information. 

I sent a dispute letter to Experian on XX/XX/XXXX. Experian sent an email on XX/XX/XXXX stating Experian is unable to honor the dispute request. See attached documents.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAVE A FRAUDULENT ACCOUNT XXXX XXXX XXXX. IN THE AMOUNT OF {$650.00} ON MY REPORT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. IT IS HURTING MY ABILITY TO OBTAIN CREDIT. 

ALSO I DO NOT RECOGNIZE, NOR DID I GIVE XXXX XXXX XXXX AUTHORIZATION TO CONDUCT A HARD INQUIRY ON MY REPORT DATED XXXX. PLEASE REMOVE THAT AS WELL
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX and Mercedes Financial. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00}. The Account Opened is Mercedes Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Hard Inquiry I do n't recall on XXXX XXXX, 2017 from XXXX XXXX XXXX. Was unable to get a clear answer on why I have it or where it came from.
Product: Debt collection

This was an ER visit on XX/XX/2016. My still current and active insurance information was submitted for payment. I never received a notice from the ER or XXXX stating that the bill would not be paid. Now 2 years later it shows up on my credit report. I would like to know why this is on my report if XXXX did not deny this claim nor was I notified by the hospital that XXXX did not pay this bill? I would like to see some sort of verification that XXXX denied the claim that was submitted for this ER visit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed that I have a bankruptcy on my XXXX and Experian reports. The problem is that they aren't reporting on my XXXX report and the information isn't accurate across all XXXX credit bureaus. I've contacted the bureaus before about the inaccurate information and they did nothing to resolve the problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security XXXX, Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 these fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Debt collection

I am responding to your contact about a debt you are trying to collect. You filed on my credit report on XX/XX/2023, and identified the debt as from Advance America as mine but I haven't received any information to verify the validity of the debt to be mine, had any contact me via mail or had the right to dispute. Please supply the information below so that I can be fully informed.