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

To Whom It May Concern : Re : Non-compliance with Rule XXXX. Requirement of the Original Upon reviewing my consumer report, I discovered Transunion, LLC and several creditors are violating several laws. According to rule XXXX, you must provide an original writing, recording or photograph which is required in order to prove its content, unless these rules or federal statute provides otherwise. I've contacted the companies requesting documentation of my alleged consent and to date, the companies listed below have failed to provide me with the requested written authorization of the alleged initiated inquiries. 

The listed institutions mentioned below are willfully violating my rights as a federally protected consumer ; rights that have been established by Congress. Considering I have not received any information from these companies, I have to assume the inquiries are unverified and therefore should be deleted according to 15 U.S. code 1681i.

Pursuant to 15 U.S. Code 1681i, treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

I look forward to receiving an updated copy of my credit report reflecting the deletion of ALL NON-ACCOUNT HOLDING INQUIRES. 


Thank you in advance. 











Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX I filed a dispute with netspend an online banking app that I have used for over 7 years NEVER HAD ANY ISSUES UNTIL AFTER COVID-19 since XX/XX/XXXX this company has gone down hill! OFFERUP IS THE ORIGINAL MERCHANT THAT I HAD THE DISPUTE WITH FOR OVER {$190.00} IMMEDIATELY I REALIZED THE MISTAKE CALLED THE MERCHANT ( they were more than apologetic for the bill ) BUT IT WAS XXXX THAT HELD THE ABILITY TO REFUND THE MONEY DUE TO OFFERUP USING XXXX AS THEIR THIRD PARTY PAYMENT PEOPLE so I call XXXX aka XXXX XXXX.. THEY SAID WE ARE NOT DISPUTING THE DISCREPANCY ; but when there are multiple requests for refund all at once we have a computer generated denial that automatically generates SO WHAT XXXX TOLD ME PERSONALLY NEEDS TO HAPPEN IS MY BANK NEEDS TO JUST SIMPLY CALL XXXX XXXX WITH THIS REFERENCE # .. and initiate the refund process and we would be more than happy to refund the XXXX .. tic toc tic toc FOUR MONTHS LATER STATUS OF THE DISPUTE???? PENDING INVESTIGATION I HAVE SPOKEN TO THE MERCHANT MYSELF BOTH OF THE MERCHANTS INVOLVED AND THE ONLY PROBLUM/ HOLDUP IS MY SO-CALLED BANK!!!!!!! I called them over and over they hangup on me claim I can not speak to the CLAIMS DEPARTMENT and they have no way to reach them!!!! PLEASE WHEN I ASK TO SPEAK TO THE SUPERVISOR ON DUTY I STAY ON HOLD UNTIL THE LINE DISCONNECTS OR IM REROUTED TO THE BEGINNING OF THE AUTOMATED PHONE SERVICE and am greeted with please enter you debit card number?!?!?!?!! 
PLEASE HELP THIS IS DUMB AT THIS POINT I JUST WANT MY MEASLY XXXX back and to close my account while holding this fake banking system ACCOUNTABLE!!! that is OPENLY AND CLEARLY ROBOTIC IN NATURE VERY unempathetic to the devastation this has caused a already struggling customers situation, in conjunction with providing unethical services to a loyal consumer, or any financial institution who manages issues with a customers funds or disputes with a merchant in such an unprofessional fashion with zero regard to their customers escalating financial situation worsening when the fix is a 5 min call!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under U.S. Code 1681. 

XXXX XXXX # XXXX 15 USC 1681 Section 602 ( A ). States I have right to privacy. 

15 USC 1681 Section 604 ( A ). States a consumer reporting agency can not furnish a account without my written instructions. 

I have not furnished consent via 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.

The accounts listed are adverse items of information and are not convictions or crimes.

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: Credit card

On XX/XX/2023, I placed an order for one piece of furniture with walmart.com. I used my XXXX sponsored Capital One credit card. For many years I have a perfect history of payments and have had no issues with unauthorized. Within a minute my order was cancelled. In an email, I was advised that the order was cancelled " because it was flagged by our credit and fraud team. '' No explanation was given, despite my online request for same. Furthermore, a " hold '' for " XXXX business days '' - XXXX weeks- was placed on my card by the " bank '' - obviously Capital One. These XXXX actions were apparently done not by a human person, but by an algorithm, since they were done in seconds, not enough time for a human to read or research or even compose the email message. Despite XXXX and Capital One never ever having contacted me about any issue of fraud throughout the many years of my account, Capital One is illegally suppressing my consumer rights.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to conduct a reasonable investigation into my account. ( Second Dispute letter mailed on XXXX XXXX ( Report # : XXXX. ) In accordance with the Fair Credit Report Act everything should be 100 percent accurate on my credit report with all three bureaus. 

The Experian has responded to my disputes stating that my accounts have been properly investigated and verified when they have not been investigated or verified at all and refused to reinvestigate without new information. They could not have been properly verified or investigated due to, incorrect opening dates reported, date last reported inaccuracies, dates last active inaccuracies, as well as last payment dates that are completely frivolous. 

Also, in violation of section 623 of the FCRA, not all of the accounts that I have disputed, notate " consumer disputes account ''. This is grounds for removal, and my rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX Date opened XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Account name : Capital One Account number : XXXX Account name : Capital One Account number : XXXX Account name : Capital One Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : 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 an 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 even if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged off account from XXXX XXXX XXXX for an old loan that was taken out. My husband opened the account in my name and the amount is not valid. I sent several rounds of letters to XXXX to validate and verify the debt which I received no communication from. I did this in both XXXX and XXXX. The latest were a debt validation letter on XX/XX/XXXX, another on XX/XX/XXXX, and a method of verification letter on XX/XX/XXXX which I never received responses. This is not legal.
Product: Bank account or service

I have been a victim of the Wells Fargo scam that has been going on for several years. I opened my account in XXXX 2009. There was an incredible amount of overdraft fees and secret accounts were opened without my authorization.
Product: Mortgage

In XXXX of 2019, there was a mortgage payment posted to my account that I had not made. When I called US Bank to inquire what this payment was and why it was on my account, I was notified by the US bank call center representative ( XXXX ) that their was an escrow balance overage and that it was applied to my account. 

I mentioned multiple times that I had not sent in my payment but the US Bank representative assured me that the payment was valid and correct. Now the first of XX/XX/2019, US bank notified me that they had made an error on their end and that two months worth of mortgage was due in XXXX on account of their error. I attempted to send in my payment for XXXX and they did not want to accept it. I was told I was to make the two months worth of payments and that they would not receive just one month. 

I have been trying since the beginning of XXXX to work with US Bank to find a resolution to their error and have been given the run around for weeks now. I have been accused of being a delinquent who does not want to pay my mortgage by one of their male representatives ( XX/XX/2019 ), I have been laughed at because of my XXXX name, and I have been treated with sheer disrespect from a supervisor named XXXX who refused to help me when I called last on XXXX XX/XX/XXXX. This supervisor answered the line by saying " What do you want ''!!! Set individual even proceeded to tell me that I wasn't going to ruin her mood for the day and hung up the phone. US Bank is not owning up to their mistake from back in XXXX, they have sent numerous threatening letters of foreclosure, negate the fact that I have uploaded to their portal multiple times documents that they have requested for a request for mortgage assistance ( RMA ) and have made this a tremendous financial and emotional burden on myself and my family. They have reported my account to the credit bureaus on account of their mistake and I am not sure at this time what my rights are on account of not being able to achieve a reasonable solution. 

I do not negate the fact that the last three times I have called, I have been quite upset an account of the sheer unprofessional individuals US bank has in this call center ( XXXX ) and how they seem to not want to own up to their mistake which has caused tremendous suffering as well as emotional and financial distress. I can not believe that a mortgage company treats its customer the way I have been treated by US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, XX/XX/XXXX, I, XXXX XXXX, verified via Equifax website that I my personal information had been compromised as part of the Massive Hacking of their systems that started, according to your disclosures, in early XX/XX/XXXX. As per their advice, I sought free enrollment in the Trusted ID program. Yesterday, I was informed via Equifax website that I would receive an Email and enrollment instructions. Today, XX/XX/XXXX, I received those instructions in my in-box. I was instructed to submit the last 4 digits of my Social Security Number and Date of Birth. I did this and the system accepted this information but never moved on the the next page of the enrollment. I backed out and tried to enroll again. I was informed by the website that I had already enrolled and to login. I have never submitted a password or user name to your service in connection with this hack so i can not log in to the service. I then tried to change the password and was asked to re-enter the last 4 digits of my social security number and my Date of Birth. I did this and received the message back that the information I just submitted did not match their records. I was advised to telephone customer service in the message. I have now been calling customer service for hours. The line is always busy. I can not get through to them and have mailed a letter. meanwhile I fear my identity has been stolen since I it appears someone other myself has enrolled in the service.
Product: Debt or credit management

XX/XX/XXXX - XXXX ( This was pulled unnoticed ) XX/XX/year> - XXXX XX/XX/year> - XXXX ( Requested refund and was told no as it covered the last billing cycle but only for the XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts and inquiries be deleted from my credit file.
Product: Debt collection

I have had an XXXX XXXX XXXX collection show up and damage my credit score without any notification from either the phone company or the debt collection agency.

I have never had any issues with paying off bills and ensure  everything is always paid off. 

Now this has shown up and really damaged my credit report. 

When I shut my XXXX XXXX XXXX account to switch to XXXX  I was assured that the account was in good standing by a ) XXXX in person in the store b ) XXXX XXXX XXXX over their phone support I have since received no communication from XXXX XXXX XXXX about this charge, I do not even know what it relates to. There is a {$72.00} collection showing up in XXXX XXXX that was opened on XX/XX/2019. The company collecting is " Diversified consultants inc ''. 

To be clear I have received zero communications over email, phone or letter from this company or XXXX since. My cell number has stayed the same, I moved address in XXXX but I set up letter forwarding with USPS so any communications would be received.

Why are they allowed to silently report collections like this? The {$72.00} is such a trivial amount this is now having a real impact on my credit score. I am a property owner and this type if thing is very serious when applying for a mortgage. What can I do to resolve this as soon as possible? 

Cheers, -- XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting

I am a victim of identity theft. The following inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE ACCOUNT for inaccurate Payment history, on XX/XX/2022 this account shows 60 days late, with no prior 30 day late it can not be 60 days late without first being 30 days late. Attached proof of inaccuracies
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
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

Recently I looked at my credit report and notice several inaccuracies on my account. This account is hurting the ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Credit card or prepaid card

1 ) Fidelity via their contract credit card servicing company Elan Financial, places secret " Remarks '' when reporting to Credit Bureaus which report such secret " Remarks '' to mortgage lenders. 
2 ) In my case the secret " Remarks '' are a result of me following the credit card company 's process for filing a dispute regarding a financial transaction.

3 ) In the particular case after repeated filings with Fidelity our dispute was upheld and Fidelity issued a complete refund. 
4 ) The dispute arose from a firm which poses as the U. S. Postal Service and charges rates about 90 times higher than the U. S. Postal Service. This firm has regularly received numerous complaints so much so that the USPS.gov issues warnings on its own website. We never received any services from this impostor yet Fidelity upheld the company 's counter appeal two or three times prior to settling the matter in our favor. 
5 ) The " Remarks '' reported to the Credit Bureaus reflect only the fact that we exercised our right to file a dispute.

6 ) I tried to have the " Remarks '' removed in a timely manner due to the fact that these remarks are impairing our ability to secure a mortgage in the immediate future. 
7 ) Instead of receiving " XXXX XXXX XXXX '' from Fidelity I received a run-around. 
8 ) I only was informed of these " Remarks '' due to both initially verbal and subsequently email information available only to lenders and not the credit card holder.

9 ) I have expended over 20 hours attempting to remedy these violations of the Fair Credit Reporting Act. 
10 ) XXXX 's XXXX score for me is XXXX yet these " Remarks '' will prevent me from securing a mortgage loan according to my loan processor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit card is reporting a 30 day late payment in XX/XX/2019. I paid the account from the wrong bank account on XX/XX/XXXX. I realized my error and I paid the account current on XXXX XXXX. The payment was reported to the credit bureau as 30 days late when it was not 30 days late.
Product: Credit reporting or other personal consumer reports

Hello, I did not authorize or even recognize this inquiry on my Equifax account. I do not have and account with the company so please remove this inquiry from my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX