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

TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 OF 609 LETTER regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Debt collection

Caine & Weiner sent presentments to my address regarding a debt I do not owe. I have never entered into any contracts with Caine & Weiner. Therefore, I am not liable for any debts with the company and the company 's actions are false and misleading. False and misleading representations are a violation under the FDCPA. The company has furnished the false and misleading information to XXXX XXXX, XXXX, and XXXX. The furnishing of this alleged debt information is damaging my credit reputation and causing me to be denied credit for personal, family, and household purposes.
Product: Debt collection

I previously reported to the CFPB numerous calls from Portfolio Recovery, using numerous phone numbers for a debt that does not belong to me. The calls have continued since my prior complaint. Typically there is nobody on the other line when I answer- and today I actually got a real person. The call came from XXXX, was made at XXXX EST, asking for a XXXX XXXX XXXX I informed the person that I am not the individual they are seeking. She said she would remove my name from their call list but I am doubtful that these harassing calls will stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are problems with my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address an ongoing issue with TransUnion, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have made multiple attempts to correct a problem regarding certain inaccuracies on my credit report, but TransUnion has consistently failed to provide the necessary information despite my valid proof. This continuous failure to comply with the FCRA 's rules of procedure has compelled me to bring this matter to your attention, and I kindly request your immediate action to resolve this issue. 
As a consumer, I have the right under the FCRA to request and receive certain information from consumer reporting agencies, such as TransUnion. This includes the right to obtain copies of my credit reports and the ability to investigate and dispute any inaccurate or incomplete information contained within them. The FCRA further stipulates that consumer reporting agencies must respond to these requests within a reasonable timeframe and provide a method of procedure for resolving adverse actions. 
Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX XXXX Account XXXX : XXXX Delete this account. 
there is some inaccurate information reporting. 
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.
Product: Debt collection

Sunrise credit services mailed me saying I owed them for att debt. I provided all information showing the debt was a result of identity theft and asked sunrise to prove debt was mine. Sunrise never sent info, threatened my credit, and never removed the debt from my record. Instead sunrise sold it to XXXX  XXXX  and I am currently going through the same process all over again. This debt is not mine and I proved it wasn't with a police report, affidavit, and letter to the Ohio attorney general office to both XXXX and sunrise.This debt should be removed. Attached below are a few pictures I had saved on my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a collection in the amount of {$850.00} on the XXXX XXXX XXXX XXXX original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Several years ago I had a XXXX account. I followed the cancellation policy outlined by XXXX and the representative I spoke with assured me the account was in fact closed and in good standing. I did not receive any documentation from XXXX indicating that this account was in jeopardy. XXXX, even after the account was closed, continued to charge fees. I was not aware that this account had gone to collections until I obtained a copy of my most recent credit report. This account has no outstanding balance and therefore should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please, I have been victim of identity fraud in the past, I want this company XXXX  CARD to provide all information about this account, also the signatures when this account was open plus the dates.For the moment delete this account from my credit report ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 


Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX at XXXX I received a call and voicemail message from XXXX XXXX fraud department saying that they wanted to confirm suspicious activity with my information. I ignored the message because during that time I have been receiving many scam calls and texts to my cellphone. 

On XX/XX/XXXX, I was browsing my XXXX XXXX and found a hard inquiry done to my credit report that I had not requested or authorized. The hard inquiry was made on XX/XX/XXXX and the institution Information is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I quickly went to Equifax and submitted an online dispute describing what had happened. The resolution came on XX/XX/XXXX, and it determined that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' The whole result of the dispute is attached in this report. 

On the same day, I called XXXX XXXX, and they told me that they are not able to do anything about it and that I have to take the concern to a Credit Bureau. 

After that, I called Equifax. They added a fraud alert on my credit information and prompted me to make a report to the Federal Trade Commission. From the FTC, I was redirected to this forum.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX BV XXXX XXXX, CA XXXX XXXX C XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX : {$42000.00} XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX AN # XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Let me start by saying I have religiously checked my credit report for years. I have 100 % payment record across all accounts. I previously had a student loan through Great Lakes. That loan was transferred to a company Called NelNet. I had forbearance on this loan and was unaware there was a payment issue as the previous account was on an auto pay. The late payments didn't hit my credit report until they were 120 days late. There was little to no communication from NelNet on this. The account contact information was all wrong besides telephone number. They never called and left a voice mail at the contact number provided or the secondary contact phone number on file. All 3 credit reports show a good standing for the months in question but now my credit has dropped XXXX points. I paid the account in full and closed it out but they wont budge on credit reporting. It feels predatory the way this has all unfolded. They admitted they could have been better at making contact over the debts and I was free to dispute them. I know there is no way I was the only one caught off guard by this and I think something needs to be done and everyone needs to be aware Great Lakes borrowers have been sold to this company we weren't aware had our loans.
Product: Checking or savings account

Filed a dispute on a debit cart transaction on XX/XX/21 with PNC Bank for {$440.00}. 
Returned a mattress to XXXX 's furniture on XX/XX/21. {$440.00} XX/XX/21, PNC refused to credit my acct. 
XX/XX/21, spoke with XXXX from PNC Bank. Acct still not credited XX/XX/21 spoke with XXXX, then XXXX, acct still not credited XXXX, acct still not credited, XXXX 's still has mattress. 
XX/XX/21, no credit posted XX/XX/21 no credit posted XX/XX/21, claim closed, no credit poste, no explanation of reason??
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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

Equifax removed my XXXX XXXX XXXX that is still open.
Product: Credit reporting or other personal consumer reports

My account with the PRESTIGE FINANCIAL SVC and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not
a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and list of Inquiries. 

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 or other personal consumer reports

There are unauthorized inquires on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Will not let me connect PNC account information to XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Bureau, I am writing to formally complain against XXXX, Equifax and XXXX regarding the inaccurate reporting of a bankruptcy on my credit profile. I have serious concerns about the validity and accuracy of the claims, and i believe they have fail to comply with legal procedures. On XX/XX/2024 I submitted a Procedural Request letter to XXXX, Equifax and XXXX and then again on XX/XX/2024, seeking clarification on the procedures used to determine the validity of the bankruptcy reporting. According to FCRA section 61, paragraph ( 6 ) ( b ) ( iii ), XXXX, Equifax and XXXX is obligated to provide this information within 15 days of receiving the request. As of today, i have not received the requested information.
Product: Credit card

I can't make any purchases with my card. Plus, I was supposed to get a refund of about {$4000.00} from a merchant, but it still hasnt shown up in my credit card account. They keep locking my account without giving me any reason. 

Ive tried contacting them XXXX times over the past XXXX weeks, and all they say is to wait for a callbut I never get one. Im paying a {$490.00} annual fee for this card, and I cant believe how badly theyre treating me. This is so rude and unprofessional!
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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. The following inquiry is more than two years old and I would like it removed XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The following inquiry is more than two years old and I would like it removed XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

5. This account has never been late. 
XXXX, XXXX. 
Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX 
Account XXXX : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 




However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case