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

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Please make a thorough investigation on the following : Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Former : XXXX XXXX Employers : XXXX XXXX Employers : XXXX HOTEL Date of Birth : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to complaint XXXX, I have provided this information over 30 calendar days ago, and provided it again today. I have enclosed copies of the correspondence. Equifax 's breach is obviously more serious than originally reported, I would suggest a full investigation. I have not been able to access my credit report in fiscal 2018 and have good reason to believe that it is tainted with incorrect information due to the data breach. This is my last step prior to litigation.
Product: Checking or savings account

On XX/XX/XXXX four unauthorized transactions were made using my debit card. The bank, Wisely by ADP deactivated the card and I disputed the transactions. 

XX/XX/XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$79.00} XX/XX/XXXX XXXX   XXXX XXXX {$180.00} XX/XX/XXXX XXXX  XXXX XXXX {$320.00} Today, XX/XX/XXXX, I received a letter notifying me that there was no error and that no credit will be issued. This is unacceptable as these charges are completely fraudulent and these funds were stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance XXXX {$76.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$680.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$59.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$59.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX Creditor : ) XXXX Balance : {$84.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to order a full Core Logic report, I believe there is some misinformation on my credit report and I want to see everything that is on my report please.
Product: Credit reporting or other personal consumer reports

Been a victim of Identity Theft, I have send Equifax several copies of the police report. Showing the original creditor XXXX  XXXX, the collection company XXXX  with the fraudulent amount Of XXXX XXXX plus The refuse to remove this Fraudulent account from my credit profile I have attached copies of my XXXX  police report File number XXXX which they do have already.
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 dont know wherever to place myself in this state thats taking place at the moment. I assumed that Credit Bureaus are set to fulfill the FCRA laws. But based on what I realize, it appears that they dont have any fear of ignoring this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or ELIMINATE any information in my file that is caused by alleged identity theft, not later than 4 business days after the date of receiving. I have sent loads of dispute letters and complaints together with my FTC report and Police Report that I filed at my local Police Station but you there at Transunion are so steady with what youre doing, and thats turned a blind eye to my complaint. Is it that tough to understand where Im coming from? Common! This is not rocket science! Please comply with the law and DELETE the account right away. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, LA XXXX XXXX L XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance - XXXX XXXX XXXXXXXX XXXX Balance : {$50.00} XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of the accounts below, has violated my federal, protect the consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX 15 USC 1681 section XXXX a states I have the right to privacy 15 USC 1681 section XXXX a section XXXX it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( XXXX ) section states : no consumer reporting agency may make any consumer reporting containing any other following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than XXXX years. 
15 USC 1681s-2 ( A ) ( XXXX ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has responsible cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

On multiple occasions I attached an Identity Theft Affidavit along with my documents and sent to the credit Bureaus, which they refuse to accept. 

See attached!
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Immediate Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) ** Dear Equifax Customer Service, I am writing to formally request the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report as a result of identity theft caused by the Equifax data breach. Pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this information upon receipt of notice and supporting documentation. 
The accounts and inquiries in question include the following : Fraudulent Accounts : 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 XXXXXX/XX/XXXX To facilitate your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report This breach of personal information has caused significant harm, and I expect Equifax to fulfill its legal obligation to protect affected consumers by taking swift and decisive action to address these fraudulent entries. I demand written confirmation that these accounts and inquiries have been permanently removed from my credit report, along with details of any findings from your investigation. 
Failure to act promptly will result in my escalating this matter to the Consumer Financial Protection Bureau ( CFPB ), state attorneys general, and other relevant authorities to ensure my rights are upheld. 
Please confirm receipt of this letter and provide a resolution within the timeframe mandated by federal law. Should you require further information, I can be reached at the information above. 
Sincerely, XXXX XXXX DOB:XXXX  Enclosures ID Proof of Address SSC FTC
Product: Credit reporting

I have a Tax Lien on my credit report that should n't be on there.
Product: Checking or savings account

On XX/XX/21 I requested a loan from XXXX XXXX and was approved. XXXX $ was deposited into my account. When I tried to access my account it had been like I recently got out of a messy relationship so when I tried my password several times my account was then locked previously I have been using my face recognition to open my account and it has worked for the last 7 to 8 months upon speaking with a representative at wisely on the phone I was instructed to send several documents proving who I was my account was open later the same day. I was cut a check for {$470.00} the amount of the loan I was able to cash it by luck that I had to blank check That was sent the very first day I got my card so I cashed it and the next day I got my unemployment check deposited. ( XXXX $ XXXX I called to expedite my card and was charged {$35.00} My card never got delivered so I called wisely to please give me a refund while doing so I was asked for a security freeze which I have never been asked for before I dont remember the security freeze even if I did put it. I still have access to my web application and in charge of everything passwords phone numbers emails and have all that I have given them all the documents that I can and they are still holding my money it has been three days I have yet to be an issue a refund and they will not let me access my account I have called over and over I told him that I need this money to pay my bills and they keep telling me to wait another 24 hours Ive been hung up repeatedly on by different supervisors and would like you to ask them for the records so you can see how rude they were to me I got upset a couple of times asking him if theres anyway that they can help me to get my money I told him I was willing to go to the police station to verify my account a bank anythingXX/XX/XXXX they did not offer any other solutions. I think it is funny how when I asked for a refund on there overnight delivery fail I was asked for the first time ever if I knew my security phrase for the account. I ordered the card replacement wed. And have yet to receive it here on the following Monday. And still no refund. Can you please advise these people to open my account and refund my money. Please investigate. I would call and they would tell me. I know who you are I cant help youthank you for your time and concern
Product: Debt collection

I never received a call or letter, validation an opportunity to verify this debt, before it was placed into collections and placed on my credit report, I requested a debt validation letter over the phone, never received it, This debt is listed by XXXX different collection agencies. On my XXXX report it is reported by Columbia Debt recovery, They never validated or tried to resolve this with me before placing this in collections on my credit report. On my XXXX report the collection agency is Genesis Credit Management, Which there has never been a debt validation letter sent as I requested and no one ever reached out to me to resolve or validate this debt before it was placed in collections and placed on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting and convergent account # XXXX has violated my rights. 

15USC 1682 Section 602 states I have the right to privacy.

15 USC 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently making mortgage payments through XXXX XXXX XXXX. I had a Chapter XXXX bankruptcy which was discharged however, they refuse to report my payments to the credit bure. I have made several calls asking them about this issue and was advised they would email their manager and see if they can start reporting the information. Two months later and they are still telling me they don't have to report these payments. I was advised that they should report these payments I still owe on this loan. I currently am current on my payments and have a balance of {$47000.00} with a 6.5 % interest rate conventionally loan. Why wouldn't ; they report this to the credit bureau. Can you please help with this issue or advise who I can speak with regarding my concerns.
Product: Credit card or prepaid card

This complaint is to request the reimbursement of {$160.00} dollars, fraudulently charged on XX/XX/2018 to my HSBC XXXX XXXX XXXX   XXXX Master Card No. XXXX at the VIP lounge located at terminal E in the XXXX airport ( XXXX XXXX XXXX ) Here is what happened ; On XX/XX/2018 I was flying with my son from XXXX to XXXX. While walking through the terminal E at the XXXX airport, I saw the Master Card logo at the VIP lounge, and decided to go and ask if I was eligible to access the lounge for FREE using my HSBC XXXX XXXX XXXX XXXX Master Card. The lady at the front desk asked me for credit card to check if I was eligible to access the lounge for FREE. In less than 10 seconds she confirmed that we were allowed to access for FREE and without providing me any voucher or receipt ticket she welcomed us ( my son and I ) to the lounge. We stayed at the Lounge for less than 15 minutes, since our flight was on time. Please note that my credit card requires an electronic signature ( PIN ) to process any payment, but in this case, I did not signed anything ( either on paper or electronic ) that is why I suspect this is a fraud. In XX/XX/XXXX when I received my Credit Card statement I noticed a {$160.00} charge by XXXX XXXX XXXX even though I was told it was for FREE and without me signing anything ( either on paper or electronic ) ; therefore I please request the {$160.00} dollars reimbursement. Please note that I have requested the reimbursement several times to HSBC Bank, and to XXXX XXXX XXXX without success.
Product: Credit reporting or other personal consumer reports

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX, Equifax and XXXX XXXX XXXX detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for XXXX, XXXX and Experian to remove any old addresses and misspellings of my name because that is not how my credit report should reflect. They still have not updated my credit reports to show accurate information and i demand my requests be completed immediately. As it is my right as a consumer to have an accurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address multiple unresolved issues with the information on my credit report, despite previous communications and disputes I filed regarding inaccuracies. I initially reached out to TRANSUNION to correct discrepancies in my credit report, including errors with the dates of last payments, dates accounts were opened, payment history, and account status. After providing you with supporting documentation, I was assured that an exhaustive examination had been conducted. 
However, as of today, my credit report remains unchanged, and the errors I reported are still present. Furthermore, I have noticed that negative actions have been taken on my credit report, despite the unresolved inaccuracies. My full name is XXXX XXXX XXXX, and my address isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My date of birth is XXXX a consumer, I have the right to dispute inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), TRANSUNION is required to maintain reasonable procedures to ensure the accuracy of the information provided. Since I submitted clear evidence of inaccuracies, your failure to correct these errors constitutes a violation of this requirement. Under 15 U.S.C. 1681i, when a consumer disputes information on their report, TRANSUNION must investigate the dispute within 30 days. It has been over 30 days since I filed my dispute, and I have not received any update or resolution. This delay in investigation and failure to provide a clear response is a violation of my rights. Additionally, under 15 U.S.C. 1681 ( a ), my right to privacy is protected, and under 15 U.S.C. 1681b, a consumer report can not be furnished without my written consent unless specific exceptions apply. If any information from my credit report has been accessed or shared with third parties without my explicit consent, this would also constitute a violation. I ask that you confirm whether my written consent was obtained for any recent report disclosures. As part of my efforts to resolve this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX. I trust that TRANSUNION will cooperate with the FTC in addressing these issues, as required by law. To resolve this matter promptly, I request that you conduct a thorough reinvestigation of my credit report, specifically addressing the inaccuracies in the dates of last payments, dates accounts were opened, payment history, and account status. I also request that any erroneous information be corrected or removed immediately. Furthermore, I ask for a detailed written response outlining the steps taken to correct these inaccuracies and actions taken to ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will be forced to consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and a resolution within the legally required XXXX timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Fair Credit Reporting Act it stimulates that student loans are need based loans that the Creditors did not view the credit score when you borrowed money. So there should be not in the consumers credit report and it is not a credit based.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. 
Since you claim XXXX verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please delete the account, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX