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

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. XXXX just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

checksysytems is reporting negative information that should not be reported any longer which is prohibiting me from obtaining the products and services I am applying for. i applied for an account with dcu and was denied the account due to information that was reported by checksystems and when i spoke to checksystems they are telling me that there is nothing stopping me from obtaining the account so at this point I got my consumer report from checksystems and cant see any reason why i would be denied but they are also not trying to assist in correcting the problem but the inconsistencies on my report are old and should be removed so my score and report can reflect properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has consistently violated the Fair Credit Billing Act by mishandling two of my disputes that I have repeatedly sent to them by certified mail. They refuse to reinvestigate them, refuse to clearly note that they are disputed by me, and refuse to provide either my statement or a clear and accurate codification or summary thereof. XXXX XXXX XXXX, and XXXX have all removed these items from my consumer report. 

XXXX I disputed this item with Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX XXXX I disputed this item with Experian on XX/XX/XXXX and XX/XX/XXXX. 

Experian refuses to delete inquiries that were obtained without permissible purpose. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to Equifax and XXXX that I was late on making payments to partial account numbers : XXXX and XXXX ( please see page 13 of the attached credit report ). I was XXXX at this time ( copies of orders attached ).  Pursuant to the SCRA ( Servicemembers Civil Relief Act ) these benefits may be used to delay payments and/or defer payments. Please see Benefits offered by the SCRA listed below. 

Benefits offered by the SCRA include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider Lets you end a vehicle lease you signed before joining if you are mobilized, XXXX XXXX, or deploy XXXX for at least 180 days Lets you end a housing lease without penalty if you deploy for 90 days or more Lets a surviving spouse terminate a lease if their partner dies on active duty Lets a military spouse claim either their home of record, the service member 's state of legal residence, or the state they are living in for tax purposes Limits interest on all loans taken out before joining the military to 6 percent. This includes auto loans, mortgages, student loans, credit cards, etc. 
Also, it says that if you use any of your SCRA rights and delay payments it won't reflect on your credit report This inaccurate reporting is harming my credit score.
Product: Credit card

These accounts represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding these fraudulent accounts, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are as follows : CAPITAL ONE XXXX CAPITAL ONE XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violated federal law and my right as a consumer.
Product: Vehicle loan or lease

I purchased a brand new XXXX Nissan XXXXXXXX XXXX XXXX in XXXX XXXX XXXX. I noticed that there weren't any rugs in the truck so I asked the sales rep about rugs and he stated that he would " give them to me at no cost '' since I decided to buy from them. He did give me the carpeted rugs and I also asked for a manual as It was missing from the glove compartment also. 

After taking possession of the vehicle, I was able to find the retail window sticker hidden in the back seat storage slot. Upon opening it up and reading it, I discovered that there should've been an " Offroad Protection Package '' that came with the vehicle when it left the assembly line. This offroad package includes both carpeted and rubber mats, the " Off-Road Adventure Kit - Nissan ( XXXX : XXXX, price is {$160.00} ) retail, and the Nissan Med Kit - Nissan ( XXXX XXXX XXXX XXXX XXXX {$65.00} ). I have reached out to XXXX Nissan XXXX as well as Nissan XXXX office, but they are unwilling to help me. I paid for these items, and I expect to have them asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to reach out to a TransUnion representative. When I spoke with them via Phone I explained that I have been a Victim of their Inquiry issue. Explaining to them that those inquiries on my report weren't accurate. Below are the inquiries that I was trying to get removed from my credit report. 

1 ) XXXX Inquiry from XX/XX/XXXX XXXX ) XXXX Inquiry from XX/XX/XXXX 3 ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX ) XXXX XXXX  XXXX Inquiry from XX/XX/XXXX 5 ) XXXX inquiry from XXXX XXXX XXXX ) XXXX inquiry from XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out my dispute letter XX/XX/20 to XXXX. I still havent gotten anything from the company. In the letter I disputed and asked for deletions of the accounts that were reporting in error. I sent a follow up letter still with no response.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I have sent a fax with information about missing details in my credit report. I have provided details to the company with proof of purchasing the house with my wife in 2012 and refinancing it in 2012. 

I am attaching the fax sent to the company and request you to resolve this problem with XXXX XXXX  and ensure that my name appears on the mortgage information. 

Thanks
Product: Credit reporting or other personal consumer reports

I have done everything by the book with disputing these accounts. Ive contacted the companies in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report. They claim the identity theft report is valid. And lastly, I contact the credit reporting agencies. Both XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason Transunion feels Im not following all the steps. Seeing Ive submitted my claim with Transunion, Im at wits end. Ive filed complaints against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. FTC is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally am losing my mind because I have no other recourse 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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this account from my file like the other bureaus have done. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed on XX/XX/XXXX Subject : Dispute of Incorrect and Unauthorized Account Information Under 15 U.S.C. 1681b To Whom It May Concern : I am writing to dispute the reporting of an account on my credit report associated with XXXX  XXXX, account number XXXX. After reviewing my credit report, I believe this account has been reported inaccurately, and I am requesting an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). 

Here are the details of the disputed account :
Product: Credit card or prepaid card

The online account for my Santander Bank credit card ending in XXXX got blocked when I entered the wrong password. I called the credit card company and the agent on the phone said that I would have to provide my valid id at a physical branch in order to reinstate my card. I explained to them that I do not live in a city with a Santander branch but the agent insisted that the only way to get back to my online account would be to provide my id documents at their physical branch. I live in Washington D.C. and the nearest Santander branch is in Delaware. Despite providing them with my full id information by phone, I do believe that the agent who blocked my account and stipulated physical id verification did so because of my name as it relates to my race and national origin. The agent had an aggressive tone from the beginning and told me that even though my answers match what they have on file she will block my credit cards. She said that if I could not go to a branch to verify my identity I could continue using my card and keep making payments by phone but my online access would be blocked until I went to a branch with id. However, this turned out to be untrue because I tried to use the card in question and found it to be blocked when I tried to use it on a web payment on XXXX. 
Upon calling back a second agent told me that I can send a notarized letter to them ( in which I certify my name and date of birth ) in order to reinstate my card. When I asked if I could be reimbursed for the cost of the notarization they refused. I felt really humiliated and somewhat wronged by the credit card company for simply wanting to use their card like a normal customer. I also escalated the call at this stage and spoke to a supervisor and although she seemed understanding and courteous she said that because my account has been blocked by the former agent I would have to go to a physical branch or provide the notarized letter that I described above and she would not be able to unblock it, she also could not commit to reimburse me for the cost of notarizing the letter that they need.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Employer - XXXX XXXX  XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Late Payments on Credit Report Dear Sir or Madam, I am writing to formally lodge a complaint regarding inaccuracies on my credit report that have significantly impacted my financial well-being, as well as my mental and emotional health. I believe these inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ensure the accuracy and integrity of the information they report. 
Specifically, I have identified several late payments inaccurately reported by TransUnion on my credit report. These entries do not reflect my actual payment history and have resulted in a detrimental effect on my credit score. 
According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports, and creditors must investigate and correct any errors. I have submitted a dispute to TransUnion on XX/XX/24, but the inaccuracies persist. The details of the late payments are as follows : Creditor Name : XXXX  **Please see attachments** The ongoing presence of these erroneous late payments has resulted in substantial financial stress. I have faced difficulties securing loans and have been denied favorable interest rates, causing additional financial strain. The emotional toll of this situation has been significant ; I find myself constantly worried about my financial future and the potential long-term repercussions on my creditworthiness. 
I kindly request that the CFPB investigate this matter and assist me in rectifying these inaccuracies. I am seeking your support in ensuring that my credit report reflects accurate information, as mandated by federal law. 
Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt. On XXXX/XXXX/2016 i mailed a request to Validate the Debt via Priority Mail via the USPS. 

On XXXX/XXXX/2016 I received a notice from the collection agency stating that the did indeed receive and completed a Consumer Dispute Verification. 

This is a violation of the Fair Debt Collections Practices Act ( FDCPA ), the FCRA, and Federal and State statutes for fraudulent slander of credit and illegal reporting activities. 

Under California Civil Code 1785.26 a collection agency is to notify me within 30 days of reporting a collection account to my Credit report. Since they have failed to notify me of this, by phone or registered mail they are in violation of this code.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been living overseas, and unfortunately in that time I have been a victim of identity theft. 
I had a fraudulent credit card debt owed to credit one in the amount of {$1600.00} USD. 
XXXX XXXX has since then sold the debt to two other debt collection agencies, XXXX XXXX, and XXXX XXXX XXXX. 
I have spent many hours on the phone corresponding with these companies and was finally able to prove that the debt is fraudulent and that it does not belong to me. 
I received a letter proving that the file was closed and that the debt is not my responsibility due to fraud. 
I sent the letter to all three of the credit bureau agencies, and only one agency, XXXX has complied and removed the debt. XXXX and Experian keep forcing me to open disputes, which last for 45 business days and then say that the debt is mine. 
Please note, that in the attached letter there is proof that the debt was removed from my responsibility, so I don't understand why Experian and XXXX are refusing to remove the debt from my credit score. 
This is affecting my personal credit and in turn my entire financial wellbeing. 
Please assist me to finally make sure that XXXX and Experian remove this fraudulent debt from my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I want to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$570.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.