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

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up dispute regarding unauthorized credit inquiries that remain on my credit report despite my previous dispute. These inquiries are negatively affecting my credit score and were made without my knowledge or consent. 

Name of Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> I contacted the creditor directly to dispute the inquiry, but I have not received a satisfactory response. 

I also disputed the inquiries with the credit reporting agency Equifax, but it remains on my report.
Product: Credit card

I have XXXX chase bank credit accounts on my credit reports and I have disputed them with Chase They respond back with that they are my accounts but I have asked repeatedly for proof as in copied of the signed applications and proof of payments They have never provided them to me I have asked managers to look into it and they ca n't see them
Product: Credit reporting or other personal consumer reports

On XXXX I disputed an account reported by TransUnion under the public records for child support. 

I was informed on XXXX that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) you are required to notify me of the reinsertion in writing within 5 Business days. 

I received no such notification. This is a very serious violation of the FCRA. I will pursue legal action if not removed. 

I hearby demand that TransUnion immediately delete the item from my credit report in order to avoid legal action.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX DEPARTMENT OF EDUCATION XXXX .... Balance : {$1600.00} This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2015 I sent in an auto payment enrollment form to Bank of America to set up an auto payment for a credit card. They never set up the auto payment and then reported missed payments for XXXX and XXXX. This is wrong reporting.
Product: Debt collection

XXXX XXXX XXXX continues to state they made attempt to contact me regarding a debt from XXXX XXXX XXXXXXXX XXXX. To date, I have never received correspondence from this company and they have not sent verification of debt after repeated requests, I only learned of the debt after I attempted to purchase a car and realized my credit was destroyed over {$610.00}. Actually have since learned the debt was only {$490.00} and has been paid in full. And when I originally contacted XXXX XXXX XXXX they sent me to credit sage for payment which is an absolute scam. XXXX XXXX XXXX has now sold the debt to Key 2 Recovery despite the debt being paid in full. Now I have two negative debts on my credit report. To date, they have not complied with providing verification of debt then sold it to another company when it has been paid In full. To date, I have not heard from Key 2 Recovery nor have they provided verification of this debt which is not even accurate regarding amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Transunion has multiple inquiries I did not authorize. XXXX bank offered me an increase on my credit card but did not inform me of a hard inquiry on XX/XX/XXXX. I did not authorize that. I also did not authorize the following inquiries from XX/XX/XXXX : XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX? ). 

XXXX XXXX  is the bank I had financed my vehicle through and I did not authorize any other inquiries. Please remove expeditiously
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a wrong address on my credit report that doesn't belong to and Experian refuses to remove it. saying they can't due to linked accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX credit card account XXXX that appears on my credit report was charged off in XXXX of XXXX and has reflected as such every month since XX/XX/XXXX until XX/XX/XXXX. The account now shows as being charged off in XXXX of XXXX and shows that I was 30/60/90 days late as recently as XX/XX/XXXX. This is incorrect information the account was charged off since XXXX, you can not be late on a charged off account and this is further negatively affecting my credit score as it shows I have recent late payments. Please remove this account for reporting inaccuracies to my credit report. I have attached images of the accounts reporting before and after I settled the debt.
Product: Debt collection

Upon reviewing my credit report from the reporting agencies, I found an account from Pro Com with the original creditor being XXXX 's. I 've never purchased anything from XXXX 's. This account is negatively affecting my credit, and it 's an account that is not mine.
Product: Mortgage

XX/XX/year> I was discharged from my bankruptcy. Since then They have received several documents confirming this but yet they will not accept a payment from me theyre saying that I owe {$5000.00} coming out of bankruptcy and refused to take anything except for {$5000.00} because they said I owed for the past XXXX  months. I sent them proof that it was paid and then they said my escrow surplus was over {$4000.00} I asked for it they said that I wasnt entitled to it if I was delinquent. I tried explaining I wouldnt have been delinquent if they wouldnt have messed it up in XXXX. XX/XX/XXXX they said that by XX/XX/XXXX they would know something XX/XX/XXXX comes around and they put it off until XX/XX/XXXX now they put it off until XX/XX/XXXX th making me XXXX mos behind only due to them not letting me pay. It hasnt been credited back to my account.
Product: Credit reporting or other personal consumer reports

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Debt collection

I was contacted by XXXX with XXXX XXXX and XXXX on XX/XX/XXXX at XXXX CST. The number she called from is XXXX. She left a voicemail stating there was a civil matter that their client had turned over to them. I called back the number and no one answered, only a message stating that the XXXX XXXX person I was trying to reach was unavailable. This morning, XX/XX/XXXX at XXXX CST XXXX called and thanked me for calling back. She confirmed my name and last four of my social, then stated that she had to put me through to the firm 's Senior Partner because she did not have access to my file. I was on hold, then greeted by XXXX XXXX who stated he was with XXXX XXXX and XXXX. He went on to tell me that GE Capital was one of his clients and there were outstanding balances for XXXX XXXX XXXX and XXXXXXXX XXXX. He stated the balances for the two accounts totaled {$3400.00} which included fees and interest. He stated they could remove the fees and interest which would bring the total to {$2800.00} or if I was able to pay a lump sum he could bring it down to {$2100.00}. I advised that I had never had those accounts in my personal name, but in a company name that I used to own which was long ago so I asked him the date of the debts. He stated that XXXX XXXX XXXX was from XXXX to XXXX and went to non payment in XXXX and that the dates for XXXXXXXX XXXX was the same. I advised him that I had stepped away from the company in XXXX and it was no longer in business and I was not in a financial position to pay the debt, therefore if the company chose to take legal action to do so. He said he needed to make me aware of the options, and stated that I would be served. He asked if I wanted to update my current address for said lawsuit to be serviced and I stated " No, you all can find me ''. I then searched the statute of limitations for credit card debt and discovered that it is 4 years from the past due date for a company to sue a consumer for credit card debt. Mr. XXXX ( er )? misrepresented the law in this matter. Although he and XXXX were both polite, it isn't acceptable or legal to threaten a lawsuit for an 8 year old debt, therefore I feel he needs to be reminded of his limitations as a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

In review of my credit report I have unauthorized and unrecognizable inquiries. I have contacted Experian credit reporting agency several times to have these unauthorized and unrecognizable inquiries remove, but Experian credit reporting agency refuses to remove and update my credit report accurately. I did not authorize anyone employed by these companies below to make any inquiries and view my credit report. I have listed the unauthorized and unrecognizable inquiries below on my Experian credit report agency report : Inquiry Date Company 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

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Prove the validity of these accounts, I have asked for this multiple times with no true answer... 

PROVE THE VALIDITY I WANT ACTUAL PROOF OR i WANT ALL THESE ACCOUNTS OFF MY CREDIT REPORT. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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've been disputing this Since XXXX they Refuse To remove it.. It's causing me hardship I can't rent a home so I've been homeless because no one will rent to me I tryed to get a car can't get a car it's just causing me so much hardship and I can't seem to get any help I feel this is not right.XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B stipulates the removal of any incorrect entries from my credit report. Could you double-check the paperwork? Several listed entries exhibit inaccuracies in reporting, such as incorrect amounts and dates.
Product: Money transfer, virtual currency, or money service

XXXX  total they gave me credit for XXXX but they report was for all of it and they playing games I can't attach report to others
Product: Debt collection

This is additional information for complaint number XXXX. 

I called American Express and spoke with employee " XXXX '' Employee ID XXXX who confirmed that I do not have any active accounts with American Express. She verified that the AMEX account in my zip code XXXX with the last 4 digits matching my social security number belongs to another person, and there are no accounts with AMEX under my name and complete social security number. 

With this minimal information, " XXXX XXXX XXXX '' assumed that the account they are trying to collect belongs to me, and it does not. Additionally, " XXXX XXXX XXXX '' did not ever nor has American Express ever sent anything in writing to validate their claim that I owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed these fraudulent inquiries on my credit report. I have contacted Transunion and they have failed to respond as per the FCRA. Please help me since I am concerned this could hap [ pen again in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting alate payments and although I have disputed this with them they continue to report it. The Credit CARD Act prohibits a creditor from treating a payment on an open-end credit plan as late for any reason. Experian claims that they have verified the information but yet XXXX and XXXX do not report these late payments.
Product: Credit card

The spokesperson for the credit card sold me on a different promotional plan than what it actually was. Anytime I brought this up I was treated as if that was an impossible scenario, & completely disregarded. They didnt ask me how it could have happened, and did not even give me a second to explain the situation. They have yet to ask me for any form of proof from my end about whats going on. The spokesperson who sold me on their credit card explained to me that it was not a credit card. Everything I have & everything Ive said makes perfect sense when you look at what I have. Ive never not paid a bill, Ive never had a late fee applied to my account, & my credit has never been bad. This company scammed me into signing on to their credit card & then when the promotional plan ended they expected me to follow through with their deal, which was never gone over with me. The deal that was explained to me is that I was on a 12 month promotional period of paying {$30.00} a month, then after the 12 months the real payments towards the bill would be deducted automatically ( I was set on autopay ). They never said that after 12 months I would start receiving late fees & interest fees. That was NEVER mentioned, & I 100 % asked multiple times before signing on, because I was confused on how they make their money. The spokesman for them literally told me that after the 12 months the normal payments would adjust & I shouldnt have to do anything since I was on the autopay. If you check my record, nothing like this has ever happened before, ever.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transitions.
Product: Credit reporting or other personal consumer reports

Violation of Federally Protected Consumer Rights Dear To Whom it May Concern, I am writing to formally address a serious issue regarding violating my federally protected consumer rights to privacy and confidentiality, as outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The following accounts have infringed upon these rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 violations pertain to several specific sections of the Fair Credit Reporting Act : 15 U.S.C. 1681 Section 602 ( a ) : This section affirms my right to privacy.

12 U.S.C. 1681 Section 604 ( a ), Section 2 : It states that a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits any consumer reporting agency from including any adverse information in a report that is more than seven years old, except records of conviction of crimes.

15 U.S.C. 1681s-2 : This section states that no person shall 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.

The aforementioned accounts have contravened these provisions, thereby violating my rights under federal law. I request immediate action to rectify these issues and ensure that my consumer rights are upheld. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

XXXX keeps reporting an auto account that has been discharged in bankruptcy, which I have disputed more than once, among other accounts. Furthermore, my score has dropped XXXX points for no apparent reason and is inconsistent with the other XXXX major credit reporting agencies, XXXX and Experian, by about XXXX points. Also, they report things that are old enough to be removed at this point. I filed bankruptcy in XX/XX/XXXX and in XX/XX/XXXX my old debt was discharged. I have only two credit cards at present, both of which have consistently been pain on time. I would like XXXX credit reporting on my account to be investigated, because my they are seriously impacting my credit score in a negative way while I have been working diligently to repair it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. [ accounts/items ] XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$460.00} XXXX XXXXXXXX XXXX  : {$260.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  : {$1100.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$320.00} XXXX XXXX  XXXX XXXX XXXX  : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX  : {$770.00} XXXX XXXX XXXX XXXXL XXXX XX/XX/XXXX XXXXXXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Deletion of Inaccurate Information on XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion Dear Sir/Madam, I am writing to formally dispute and request the deletion of inaccurate information reported on my TransUnion credit report regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon reviewing my TransUnion credit report, I have discovered significant inaccuracies that require immediate attention and correction. 
The specific discrepancy I wish to address concerns the account status and the reported late payment : Late Payment on XX/XX/XXXX : The report indicates one late payment, but it conflicts with the statement " Status : Paid, Closed ; was paid as agreed. '' If the account is closed and paid as agreed, there should not be a late payment associated with it. This inconsistency suggests inaccurate reporting of the payment history. 
According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure the accuracy, completeness, and fairness of the information they report. Additionally, FCRA Section 611 ( a ) ( 5 ) states that if an item on a consumer 's credit report is inaccurate, incomplete, or can not be verified, it must be corrected or deleted. 
Based on the discrepancies outlined above and the provisions of the FCRA, I formally request that TransUnion delete the inaccurate information related to the XXXXXXXX XXXX XXXX XXXX Account from my credit report. It is crucial that my credit report accurately reflects my financial history to ensure fair and accurate credit assessments. 
I remind you of your obligations under the FCRA and expect prompt compliance with this request. Failure to delete the inaccurate information may result in legal action to protect my rights under the FCRA. 
Thank you for your attention to this matter. I anticipate a swift resolution and the deletion of any inaccuracies on my TransUnion credit report related to the XXXX XXXX XXXX XXXX XXXX 
Sincerely,