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

Through this site, about two weeks ago, I logged on to Annual Credit Report.com to request my annual free copy of each of my 3 credit reports. I got the XXXX and XXXX reports immediately and without difficulty. However, I got an error message from Transunion, indicating that my report was " not available at this time. '' I corrected the incorrect information on the XXXX and XXXX reports, submitted my changes, with documentation, and was pleased with the responsiveness of both companies. 

However, my Transunion report is strangely low - it shows me having a FICO score of XXXX, when i have no car loan, no student loans, no 'public record, ' and I make all of my mortgage payments in full and on time. So, I want to see the report because this number makes no sense - I would like to see what's there so I can correct any erroneous information. However, all I have gotten from Transunion are a bunch of emails saying things like " you're in! '' - to some credit monitoring service I do not want and for which I never agreed to pay. 

So, tonight, I tried again - and again got the same error message ( " i've attached a screenshot ). This time, I called the phone number supplied. I went through the identity verification protocol several times - strangely, most of the information about past addresses, townships, etc. was *way* off -- nothing close to accurate. I hung in there until I got a person, very polite, but still unable to get me my report. He said they required more information from me : a copy of my passport, driver 's license, and a recent bill with my home address. He told me to mail it to XXXX XXXX XXXX, XXXX, PA XXXX - and that within several weeks they would mail me a hard copy of my credit report. Note : I have not requested any reports from Transunion - or anyone- until a few weeks ago. I requested my Transunion report in I think XXXX, 2021, but never got it. 

Then, he asked me what was the problem I was having. I described it, as above. He told me he could get my concerns addressed right away, and that he would connect me with the proper department - open until XXXX EST ( It is now XXXX EST ), where people were on call to address my concerns. Note : it is hard to correct a credit report you have never seen. Also, I am not sure how I am to correct a hard copy - certainly it is not as straightforward or speedy as doing so online. 

Well, the lights at that other number may have been on, but there was nobody home. Instead, I was subjected to an endlessly looping sales pitch for credit monitory, for " only '' some dollar amount, and to get my FICO score for " only '' {$9.00}. So, I waited and went through all the authentication protocols repeatedly, only to have to listen to a recorded sales pitch, over & over again. 

I just want my free credit report, and a chance to correct it. TransUnion seems to want to make this very difficult, but while making me wait, to convince me to buy a bunch of 'products ' I don't want. Please help
Product: Credit reporting or other personal consumer reports

According to my credit report, I noticed my privacy rights were violated. 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 if the person knows or has reasonable cause to believe that the information is inaccurate. The accounts that are in violation of my rights are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Called and disputed online on multiple occasions about fraudulent inquiries and an account from crest financial that is not mine and that i did not authorize.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian XXXX a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Already Made Before Due Date : The payments were made before the due date. I have provided bank statements and payment confirmation receipts that clearly show my payments were processed well before the due date and should not have been marked as late. 
Clerical Error at XXXX 's End : There was a clerical mistake where XXXX incorrectly reported my account as late, despite confirming that my payment was received on time. I have attached communication with XXXX acknowledging that the late reporting was due to a system error, and that the payment was processed correctly. 
Incorrect XXXX XXXX to XXXX Account : My account with XXXX was closed by the creditor, which further complicates the reporting of late payments after the closure. This account should not have reflected any late payments beyond the closure date, and I have attached the account closure confirmation from XXXX as evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advised ... have every intention of following through with this to protect my rights as a consumer. 

I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair CreditReporting Act and will not be tolerated. In case you would like to settle this matter between youand I, rather than me filing suit against your company, I will once again list the inquiries inquestion so that you may do as you are governed by the FCRA. 

Please investigate this account : XXXX XXXX Inquiry Date XX/XX/2022. 

I have tried to contact these companies on my own, but I have not been able to get very far. Itried to contact them using the phone numbers that are provided on my credit report. Half of thenumbers are not even correct. The companies that I was able to get in touch with do not evenhave any record of me. How can they have a permissible business purpose to pull my credit, ifthey have N0 record of me? 

As I stated, I have already given your company quite enough time to investigate the items inquestion, but I am willing to give you one more chance. If I do not receive results of yourinvestigation within 15 days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX and the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had received forbearance on my student loans through XXXX, but they refuse to update their reporting to indicate such. As per Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act and the FTC 's published opinion of that section, they are obligated to update that information. Forbearance acknowledges that no payments were due for that time period, and as per the FCRA and the FTC 's opinion on it's interpretation, XXXX must reflect that status with its reporting of me. I have received forbearance for the period of XXXX XX/XX/2019 as well as XX/XX/2019 through the current date, and have letters and documentation from XXXX indicating such. Despite trying to work with XXXX  multiple times, they have not admitted this obligation due to me as a creditor and refused to accurately report these accounts. This is preventing me from finding housing and unfairly adversely affecting my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : XXXXXXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXX Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have rights to privacy.

15 USC 1681 Section 064 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose,
Product: Credit card or prepaid card

This is a follow-up complaint to case # XXXX. This case is UNRESOLVED! Comenity has either reversed the credits or re-charged the account. 

I recently filed a complaint with your organization against Comenity Credit Card due to incorrect charges, including applied interest. In late XXXX and again in XXXX, Comenity responded to the complaint indicating that they investigated the situation and applied a credit to my account for the charge in dispute. After receiving the notice from Comenity indicating they applied a credit to my account, I logged into the Comenity online system to check my balance. At that time, I had a credit of XXXX XXXX  and some odd cents, and the account was closed so I was due a refund of that amount. I thought, finally, this nightmare is over. Today, XX/XX/XXXX, I received an email reminding me that I have a balance of {$780.00} on the account and I have a minimum {$30.00} payment coming up soon. I immediately called Comenity and spoke to XXXX different customer service representatives that could not tell me how I went from having a credit on this closed account to owing a balance of {$780.00}. I do NOT owe Comenity anything. It is frustrating that Comenity can continue to XXXX me with inaccurate charges and impact my credit if I don't pay. Any help you can provide is greatly appreciated. 

FYI, I have attached the notice I received from Comenity identifying the credit ( that was {$4.00} short of the actual charge ).
Product: Credit card

I noticed a couple of unauthorized charges on my statement XXXX months ago. I immediately called the card company to report the fraud. They removed the charges and issued a new card. On my next statement, I discovered that they had transferred the charges to the new account. I have not activated the new card. I called again and was informed by a fraud agent that the charges, along with the new fees and interest, would clear in a couple of weeks. They have not. I 've been getting dunning notices on a regular basis, and my credit score dropped XXXX points overnight.
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. 

Account name : XXXX XXXX Account number # XXXX XXXX XXXX XXXX Account number # XXXX XXXXXXXX XXXX XXXX Account number # XXXX XXXX BANK DELAWARE Account number # XXXX XXXX XXXX Account number # XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX  XXXX Account number # XXXXXXXX XXXX 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 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: Checking or savings account

On XX/XX/2022 I was at a gas station, while i was inside paying for my gas with CASH, my car was stolen. Inside of my vehicle was my cell phone, my chime debit and credit card, my DL, my SScard, amongst other important Items. I immediately asked the store owner to show me the cameras, he had none. So i called XXXX. The officer arrived and took my story and took my vehicle information and asked if I had a ride home. I did not. So he wrote me a citation for XXXX dollars as a result of the ride home. My car was stolen for a total of 4 days. during which time the thiefs withdrew XXXX dollars from my account on four different occasions totaling XXXX dollars. I got my car back four days later and saw that all of my personal stuff was gone. I disputed this with chime and have been denied more than a few times. I have sent every evidence you can imagine. Including the police report! I am still denied on top of that when i request the documents used to make the decision it is merely an automated email with little to no information of value! I have now been evicted from my apartment bc i was unable to pay rent and am now XXXX XXXX XXXX with no help in sight!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently called XXXX at XXXX XXXX XXXXXXXX, and the representative stated he couldnt remove an unauthorized inquiry because it is a factual record. I am here to tell you that it is not! I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since they do not have my authorization written nor verbal, I ask that you delete and remove these unauthorized inquires from my credit report immediately. I did not apply for credit with this company nor gave the authorization to pull my credit. 

To my knowledge, I have no business affiliation or obligation to this alleged company nor did I give them my consent to pull my credit.I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose, validation.
Product: Credit reporting or other personal consumer reports

So I was trying to buy a house and I realized I had damages on my credit report according 15 USC 1681 law there should not be any damages on my report it is a defamation to my character
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX are all in violation of the FCRA. They have refused to remove the following account from my consumer report DEPT OF ED/XXXX ACCOUNT XXXX XXXX. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. They have violated my privacy which can be considered identity theft. They do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports.

Under the FCRA, 15 U.S.C. 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the account that you are reporting in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to : 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. 

Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX  ( Original Creditor : XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account # XXXX
Product: Debt collection

Hi, I received a collection notice letter yesterday ( dated XX/XX/20 ) from a National Medical Administrators , Inc with a {$150.00} debt collection from a company called " XXXX-XXXX  XXXX  XXXX. '' No further information regarding what this debt is for was provided. Ref # : XXXX and creditor acct # XXXX were included in the notice. Is this a scam? Please help me with this issue.
Product: Credit reporting 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.

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: Debt collection

Received a letter from Truist bank stating that I owed XXXX $ for a closed and overdrawn balance on XX/XX/2022. I have never opened an account with Truist. I contacted them, and they requested I fill out this complaint while they investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my Experian report from XX/XX/2022 : XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX  XXXX Credit Card with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX XXXX  XXXX XXXX Credit Card with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX Credit Card with account # XXXX Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every since my identity been stolen i been noticing activity that's been done inwhich I have no knowledge of. Some of which was even left in good standings but still and all either rightfully belongs to me therefore I'm demanding that the following accounts be removed and blocked from my credit files. 

1. Dept of ED/XXXX  {$11000.00} 2. Dept of ED/ XXXX  {$6800.00} 3. Dept of ED/XXXX  {$10000.00} 4. Dept of ED/ XXXX  {$5800.00} 5. Dept of ED/ XXXX  {$10000.00} 6. Dept of ED/ XXXX  {$4500.00} 7. XXXX XXXX XXXX