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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion concerning their handling of a debt collection entry on my credit report. The specifics of my complaint are as follows : Disputed Debt Collection Entry : On XXXX XXXXXXXX I identified a debt collection entry on my TransUnion credit report from XXXX XXXX XXXX that I believed to be inaccurate. I promptly initiated a dispute with TransUnion regarding this entry. 

Removal of Disputed Entry : Following my dispute, TransUnion removed the contested debt collection entry from my credit report and it reappeared again on XXXXXXXX XXXX 

Lack of Timely Explanation : Despite the removal, TransUnion failed to provide me with a timely explanation or the results of their investigation concerning the disputed entry. 

This sequence of events has caused significant concern and confusion, as I am left without an understanding of the nature of the debt, the reasons for its initial appearance on my report, or the justification for its subsequent removal. 

I am seeking the CFPB 's assistance to : Investigate TransUnion 's procedures in handling disputed debt collection entries. 

Ensure that TransUnion provides a comprehensive explanation for the disputed entry and its removal. 

Implement measures to prevent such occurrences in the future, ensuring that consumers receive timely and transparent communications regarding disputes. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Checking or savings account

Affirm Inc has been making monthly unauthorized withdrawals from our business checking account. I contacted my financial company XXXX XXXX XXXX on XX/XX/XXXX to report this. The bank manager XXXX and I called Affirm Inc together at XXXX XXXX to try and resolve this problem. The customer care person said they could not find an account in my name, my wife 's name or the name of our business, so there was nothing he could do to help us. I asked if he could look up the charges with my checking account number and he said that he did not have access to that information. XXXX stated that the customer care fellow seemed uncooperative and that they have to have access to our financial information in order to make the ACH charges. 

The unauthorized Affirm Inc charges to date are as follows : XX/XX/XXXX - Affirm Inc - {$83.00} XX/XX/XXXX - Affirm Inc - {$83.00} XX/XX/XXXX - Affirm Inc - {$83.00} XX/XX/XXXX - Affirm Inc - {$83.00} XX/XX/XXXX - Affirm Inc - {$87.00} XX/XX/XXXX - Affirm Inc - {$83.00} XX/XX/XXXX - Affirm Inc - {$87.00} I called Affirm Inc asking to speak with a supervisor at .and was put on hold for 28:00 minutes and then was hung up on. I called again and finally got through to a supposed supervisor named XXXX. He told me that the only way I could get the money back was if XXXX XXXX XXXX was to do a charge back. I asked if he could give me his direct phone number so I could have my credit union call him to get authorization to do the charge back. He told me that he does not have a direct number, and that any customer care employee could authorize the charge back.? 

I feel as if all I am getting is the run around with this company. I checked for reviews of the company and all I found was one-star ratings, and XXXX other review that had the very same thing happen to them, unauthorized ACH charges to their checking account.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive already sent a dispute letter requesting Equifax to remove inaccurate information from my consumer report. Unfortunately, going over my consumer report again, I have found that the derogatory items still remain. I want them to REINVESTIGATE the inaccurate information on my consumer report. I know for a fact that they are not allowed to agree with Furnishers, and that Equifax actually needs to come to their own conclusion to the accuracy or validity of these items. Wheres the proof? Where is the evidence? What certified documents were used to complete their investigation? I would like to know what their METHOD OF VERIFICATION was. Please provide verifiable documentary proof, show me the original consumer contract bearing my wet ink signature on it, show me proof of ownership, show me the certified document for written PERMISSIBLE PURPOSE where I gave permission to furnish accounts or any other information on my consumer report. Please send a detailed description of the procedure used to determine the accuracy and completeness of the accounts I am disputing, as well as the name and contact information of the agent conducting the reinvestigation, send me the paperwork that proves that Equifax did an independent reinvestigation, and further, send me a mailed copy of my consumer report with the updated changes as a result of this reinvestigation and send notices of corrections. I have attached the accounts that need to be reinvestigated. Equifax has no later than 15 days to reply or remove the items specified and to correct the items specified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect data on collections acct. acct are not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX XXXX and the reason for me writing to you today is to complain about Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX ss # XXXX Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX DB : XXXX I XXXX XXXX , am making this complaint due to my rights are being violated. I sent in a dispute to XXXX, EQUIFAX and XXXX  because I looked at my credit report and noticed old addresses on my report that does not belong to me. My current address and previous address is XXXX XXXX XXXX, XXXX Texas XXXX. I do not want addresses that does not belong to me on my report According to the FCRA, I have the right to have one address, and one name reporting due to identity theft.. There are several addresses, different names and unidentified information reporting currently and needs to be deleted off my report. My rights are being violated. 

On XXXX, I sent in a dispute to all three Credit Bureaus and the addresses are still showing on my report, Delete these addresses. Any accounts attached are not mine as well. Delete all addresses and name. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX DELETE Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX DELETE Address XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX DELETE Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DELETE Names not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX Name not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX XXXX not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX XXXX not mine : XXXX XXXX These addresses neither names belongs to me!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft attached is a identity theft police report and ftc report with items that need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a home loan and the lender ( XXXX XXXX ) received my credit report from XXXX. All 3 credit bureaus are still reporting activity as of this month on a closed account with the Police and XXXX XXXX XXXX XXXX. The account number ending in XXXX. This was a charged off account that was settled in XX/XX/2022 ; although the creditor did not report receipt of funds until XX/XX/2022. There has been no activity on this account since XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is agains t CitiMortgage. this is  from a year ago when they reported us late on mortgage. I did tell them that tenant defaulted in  XXXX   2016.  they know its a rental home. regardless they reported me late for months and even did an inspection when I told them what I did. and there was no reason to do an inspection other than try to charge a fee. I feel strongly they can correct the info given the circumstances or put something in there so it does not damage my credit. I currently have a lawsuit against the tenant for damages. please note I know they will sa y Fair credit reporting gives them this avenue. I would like it amended.i am a long te rm customer. please consider. I warned you before hand. please. no scripts. just help in some way. PLEASE no red tape
Product: Debt collection

As you know, I have reported my identity was compromised. 

Police report and Identity Theft victim 's Affidavit were filed and mailed to the banking institutions, Consumer Financial Protection Bureau and OCC. 

I ask that the charges be taken out of my billing. 

Please respond within the next 30 days that the charges are removed as of XXXX XXXX, 2017.
Product: Credit reporting or other personal consumer reports

This is my 6th request 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$910.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Immediate Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to notify you regarding a {$0.00} charge-off account with XXXX XXXX that was disputed on my XXXX credit report. The dispute investigation was completed on XX/XX/year>, and XXXX has confirmed that the account was deleted from my XXXX credit file. 

Since the account was deleted from XXXX due to its unverifiability, I am requesting that your credit reporting agency also remove this same account from my credit file, as the account is now considered unverifiable. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to report only accurate, complete, and verifiable information. If an account is found to be unverifiable, as in this case, it must be deleted from my credit report. 

Legal Rights : FCRA Section 1681i : Under the FCRA, when a consumer disputes an item on their credit report, you must investigate the dispute and ensure the information is accurate and complete. If the account can not be verified, it must be deleted. Since XXXX has already deleted the account, your agency is required to do the same. 

FCRA Section 1681e ( b ) : This section of the FCRA mandates that you maintain procedures to ensure the accuracy of the information you report. If the account is unverifiable, it must be removed from my credit report within 30 days of receiving notice. 

Right to Sue : If this account is not removed within 30 days from the date of this letter, I reserve the right to pursue legal action under the FCRA. I may file a lawsuit for violations, which could include seeking actual damages, punitive damages, and attorney fees. 

As per my rights under the FCRA, I expect that the unverifiable account be removed from my credit report within 30 days of receiving this letter. Please provide written confirmation of the deletion of this account or explain why the account has not been deleted in accordance with the law. 

Failure to comply with the FCRA will compel me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action to enforce my rights. 

Thank you for your prompt attention to this matter. I will be monitoring my credit reports for compliance and expect a resolution within the legally required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 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 An 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: Payday loan, title loan, or personal loan

Onemain has me listed as having applied for a loan with them on XXXX XXXX, 2017th and I have never applied for anything with them.
Product: Debt collection

I am writing to formally lodge a complaint against NCB  XXXX XXXX, a debt collection agency, for their unjust and unethical practices in attempting to collect a debt that has not been properly verified and is beyond the statute of limitations. I am deeply concerned about their approach, which appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. I recently received communication from NCB XXXX XXXX. in the form of an invoice and a copy of a bill, both of which are being used as evidence to support their claim for debt repayment. However, I find their approach inadequate and problematic for the following reasons : 1. Failure to Verify Debt : According to the FDCPA, debt collectors are required to provide validation of a debt upon request. I have made an official request for debt verification, and all I received in response was a copy of a phone bill and an invoice to pay. This does not constitute sufficient verification of the debt 's legitimacy and accuracy. 2. Expired Statute of Limitations : The debt in question is beyond the statute of limitations, which means that the legal timeframe for pursuing collection actions has expired. Despite this, NCB XXXX XXXX, is attempting to collect the debt, which raises concerns about their adherence to legal guidelines and ethical standards. XXXX. Insufficient Documentation : A mere copy of a phone bill and an invoice does not provide the necessary documentation to prove the validity of the debt. Without detailed information and proper validation, it is impossible for me to assess the accuracy of their claim. XXXX. Furnished the written validation notice within the required time period and otherwise complied with applicable validation requirements ( XXXX XXXX. XXXX XXXX. Company has no Contract between XXXX XXXX and NCB XXXX XXXX, I kindly request that the Department XXXX XXXX XXXX and XXXX thoroughly investigates this matter and takes appropriate action against NCB XXXX XXXX. if they are found to be in violation of consumer protection laws. I believe their actions not only undermine my rights as a consumer but also contribute to the erosion of trust in the debt collection industry as a whole. I am attaching copies of all relevant correspondence from NCB XXXX XXXX, as well as any communication I have had with them. I appreciate your attention to this matter and your commitment to safeguarding consumer rights. Please feel free to contact me at XXXX or XXXX if you require any further information or clarification regarding this complaint. I look forward to a swift resolution to this issue and the restoration of my rights as a consumer. Thank you for your time and consideration. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a delinquent account that has now shown up on both by XXXX  report and XXXX  Report. I have no record of any account that I personally opened with XXXX XXXX that would be delinquent.

The amount that is now showing up as a negative Pay Status is for {$2400.00}.

I've filed disputes twice with both XXXX and XXXX  and they have left the derogatory comment on my reports stating the information has been investigated and is correct. I've never been contacted or again have EVER had an account with XXXX XXXX in the past 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX attached insurance to my loan which was supposed to pay off loan ( no deductable ) should anything happen to the car. They never gave me the policy info. On XX/XX/XXXX the car was hit by a drunk driver. I immediately told the bank and it took 3 calls to get the insurance info. 10 days later the Insurance company stated that the loan would be settled and I did not hear from the XXXX XXXXXXXX XXXX again. When I applied for a mortgage this past XXXX we found XXXX XXXX XXXX was reporting me as 180 days past due. I called them to find out what was going on and was told they would have me talk to someone else ( who never called. A few days later, while waiting for the call, they notified Experian that it was a charge off, then notified them again in XXXX of XXXX that it was a charge off. So instead of having been shown as paid/closed in XX/XX/XXXX like I was told it would be now it shows on my credit as 180 days past due with 2 charge offs. since then no one at bank will talk to me or return my calls. If the insurance did not pay off the loan the bank misrepresented or lied about what it would do, which is illegal. Insurance should have been paid within 30 days according to the Virginia department of Insurance! Failure to contact me about the loan violates Banking industry protocols and legal guidelines. I want my credit report fixed to show this loan was settled back in XX/XX/XXXX with no charge offs!!
Product: Vehicle loan or lease

I was over charged in interest rate with credit acceptance in XXXX for XXXX XXXX XXXX  This company lied about their 22 % interest rate and it was actually higher. I paid off the car in XXXX.
Product: Credit card or prepaid card

XXXX    XXXX   I was making a purchase in a Gap store and was asked if I wanted to be a 'Gap rewards ' member - there was no mention of signing up for a credit card, not did I want to. I received a new  Visa  card in the  XXXX  and my purchase went on this Gap visa card instead of the card I handed the cashier. The whole thing was deceptive and I never wanted the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX, XXXX  XXXX XXXX XXXX,
Product: Checking or savings account

Account opened without my consent or knowledge because I was homeless and my information was stolen from me at the homeless shelter and just recently found out about this problem as I was getting back on track
Product: Debt collection

XXXX XXXX XXXX of XXXX XXXX Nevada, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX : ( XXXX ) XXXX, received my account, # XXXX from a XXXX, XXXX XXXX XXXX XXXX for services rendered. After making several payments I fell behind and debt was referred to Quantum Collections for collection. Quantum received my account from them in XX/2015 The amount of that debt was originally approx {$1200.00}. Quantum Collections never attempted to provide any written documentation to me and has been adding fees and interest since this time. I only found out about this debt with the collection agency after checking my credit report. After continuing to monitor my credit report, I realized that Quantum has been increasing my debt owed monthly. My current balance with Quantum Collections is {$1400.00} At no time did I ever sign or verbally agree to any interest either with XXXX XXXX or Quantum Collections, nor did they provide any documentation to me detailing an agreement, or their receipt of my debt.
Product: Credit reporting or other personal consumer reports

I Contacted Lexus Nexus on XX/XX/2024 requesting an investigation and review of information provided by consumer reporting regarding inaccurate and erroneous items on my credit profile. Lexus Nexus disputed the unauthorized inquiries on my file but claims that the collections items can not be disputed. There were 4 collections present that does not belong to me. I have disputed those items and a closed account. Lexus Nexus is in violation and incompliance of the FCRA 15 U.S.C 1681. The information on my profile is inaccurate and erroneous and I my resolution is for an immediate removal of those 4 collection items and removal closed account with XXXX XXXX XXXX.
Product: Credit card

I received emails saying I opened an account with Pnc that I didnt open.