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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or amend the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

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

On XX/XX/21 I mailed Experian a dispute letter disputing an account being reported to them by XXXX XXXX account # XXXX. I notified Experian that the company is reporting inaccurate unverifiable information. Before submitting a letter to Experian I requested verification/ validation from XXXX XXXX myself. The documents the company sent me to verify the debt that I have no knowledge of stated information that was totally different than what they were reporting to Experian. The address, and amount owed was incorrect. In my dispute letter to Experian I advised them that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Experian has yet to respond to my dispute I have tried to contact them by phone and letter. Documentation attached to complaint.
Product: Debt collection

I was forced to pay for glasses I could not afford, told person I did not have a job, they opened up charge account, and instead of getting reasonable price, tried to use all the money in account. I tried early to get them to reduce intrest, so I could get a hold on the account. The account was sold and closed, I got money to try to pay for the debt, started to make payments, made four payments, that have not been substracted.The intrest doubled what I owed. Now the person who sold account came back on scene, making statements, even though I have been making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise 25 year perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.
Product: Credit reporting or other personal consumer reports

A service hired by XXXX XXXX  to handle delinquent accounts during the pandemic, is not accurately reflecting agreement reached, payments, made, or indebtedness. If I paid the full debt, at a reduced speed, there was to be no negative report. I complied, in fact, paying it off around a year earlier than the plan. When a {$100.00} past due error was discovered on my credit account, I called and confirm with XXXX  that my account was paid in full, and their records accurately reflected this. Their service provider, Admin Recover LLC retaliated against me for calling them out for inaccurately reporting that I had this amount remaining due. They updated my credit report to instead claim that over XXXX XXXX XXXX has been written off, and are challenging my disputes.
Product: Credit reporting or other personal consumer reports

This formal complaint is in regards to the letter provided by TransUnion LLC dated XX/XX/XXXX. 

The letter indicates the following accounts were VERIFIED AS ACCURATE AND UPDATED. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Update to current, paid as agreed. Remove for late payments : XX/XX/XXXX. 

Per congress via 15 U.S. Code 1692g - Validation of debts, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 

I STILL have not been presented with the name and contact information of such an individual that has confirmed the validity of this debt with the date and time and means of verifying. 

Additionally, I was not provided evidence that confirms consent by ME to TransUnion LLC or the furnishers of this information that provided TransUnion this information that evidence my CONSENT prior consent to the reporting of the transactions and or experiences on my consumer report. 

TransUnion LLC is failing to comply with laws of FCRA and responding with stalling tatics and unverifiable information to avoid compliance. TransUnion LLC should be fined immediately for non-willful compliance and blatant harm and disrespect to me, the consumer, you the CFPB and FCRA.
Product: Checking or savings account

On Tuesday, XX/XX/XXXX Wells Fargo bank received instructions from " XXXX XXXX XXXX, XXXX Field Office '' to freeze my business checking account due to an investigation. Note : I have no knowledge of any investigation to date, nor have I received any correspondence of such activity. 
I am in receipt of that letter, which states " You shall refuse access for a period of NOT MORE than three court days, including the day of delivery.. '' ( Letter is attached ) The letter was received XX/XX/XXXX ( Tuesday ) .. I, and my bank, have not received any other communication from that authority since the XXXX. Due to lack of further action, the bank was required to release my account 3 days after Tuesday ( including date of delivery-Tuesday ), which would have been Friday, XX/XX/XXXX. 
However, Wells Fargo has yet to release my account, they have been giving me the run-around since Friday, and are refusing to release the account due to " lack of approval to release the funds. 
I have reached out to an attorney who believes their actions, or lack thereof, is completely illegal. They have followed instruction and froze the account, but are not following the instructions to release it. 
I want to note : I have not been able to do any sort of business for over a week because of this. I can not make sales because the account is still frozen. Also, all the checks made out to my vendors last week have all bounced, and they are refusing to work with me until they get paid. 
I really need some help to cure this injustice. I have tried reaching out to the XXXX XXXX XXXX office in XXXX XXXX. The agent who answered the phone seemed confused and says they don't know what I am talking about. She repeatedly told me that the XXXX XXXX " does not freeze accounts.. they do not work those types of cases, that is not their jurisdiction ''. 

I have expenses to pay : store rent, employees, kids tuition, etc. 
Please help me resolve this ASAP!
Product: Credit reporting or other personal consumer reports

My FTC Report Number XXXX I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXX, under the account number ( XXXX ), a Credit Card account opened at Capital one on XX/XX/XXXX under the account number ( XXXX ) and a XXXX XXXX XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt or credit management

Transunion outsources the " free credit reports '' to " XXXX ''. They want {$1.00} upfront then automatically bill you {$29.00} ( unless cancelled within 7days ). The credit reports are NOT free. Their phone number is XXXX XXXX
Product: Credit reporting or other personal consumer reports

The debt was old. I submitted documentation and a pay to delete letter meaning if I pay the debt, they will delete it off my credit. It is still showing on my credit report when they agreed to remove it off once paid. And its still negatively impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with XXXX XXXX XXXX law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : XXXX XXXX XXXX BANK XXXX USDEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I submitted a dispute for multiple fraudulent charges totaling over {$1600.00} and the case has been open ever since I was supposed to receive my provisional credit today, which yesterday was confirmed, and all of a sudden the bank decided to close the account without even calling or asking any questions and without even trying to verify my identity. I just received an email stating that my account was compromised and to give them a call so I did that. Whenever I called they kept hanging up on me and refused to let me speak to a supervisor. Then they proceeded to tell me the reason why was because they could not verify my identity mind you they never even tried to verify my identity and said that my account had suspicious activity even though this activity has been under investigation for the last 15 days.. so yes there was suspicious activity hence the dispute of charges. it's just kind of funny on the same day that I'm supposed to receive my credit they decided to close account instead and I might receive a check in 20 days. Seeing as they have closed my account I can not even access any of the documents
Product: Credit reporting or other personal consumer reports

I have fake information in the " social security numbers '' area in which I only have and have only used the social security that was provided after my birth in XX/XX/. I have reported several things over the past 2 years and yet nothing have been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. BANK OF AMERICA Opened XXXX. XXXX, 2017 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes for all inaccurate information on my credit report with experian. looking at the inaccurate information this is hindering my credit report badly. please delete an remove the information that is hurting my file. clrear my credit report of all inaccurate information asap.
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. 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 : XXXX : XXXX  [ XXXX ] XXXX XXXX XXXX  [ XXXX ] Transunion : XXXX  [ XXXX ] I am in disagreement with the account listed below which still appears on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : {$320.00}
Product: Debt collection

On or near XX/XX/year>, a pop up tent for a gym called XXXX XXXX took down my personal information to include name and general contact info. I did not hear anything further from this company. 

In XXXX of 2024 I was alerted to a negative tradeline reported to XXXX regarding a debt owed to XXXX XXXX. I attempted to get information on this debt from XXXX XXXX first, they not only refused to give evidence of consent to open an account bearing any signatures, but they also refused to let me see " my own '' credit card information on file, only that the card was a XXXX card ending in four numbers. 

The negative tradeline was submitted by a debt collector First Credit services, an agency known for this exact problem, but using several different gyms. 

I checked all three XXXX agencies, no evidence of a card bearing those numbers was found under my name. I disputed the XXXX XXXX as fraud, and requested that the debt collector cease all further contact. 

The whole ordeal seems like one large scam, a debt collector or gym fabricates a debt in my name to pay, and then demands that I prove it is a false debt. Right now there are over XXXX XXXX XXXX complaints over similar situations and the debt collector only seems to back down when FDCPA or CFPB is mentioned. 

Any guidance your organization can provide on how to deal with this would be greatly appreciated.
Product: Credit reporting

XXXX and XXXX equfax keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}
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 XXXX XXXX Account Number : XXXX Account Name : WEBBNK/FHUT Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

I was first contacted by XXXX XXXX XXXX approximately XX/XX/XXXX while ill with extended COVID. I asked the rude representative to please send me all paperwork in reference to thus said XXXX XXXX accounts because the balances did not appear to be accurate opposed to credit extended. I received multiple daily calls until a singular paper bill came in the mail from Dynamic Recovery Solutions XX/XX/XXXX. I sent XXXX  a cease and desist letter in addition to a letter asking for validation of debt, 15 U.S.C. 1692g is a section of the Fair Debt Collection Practices Act ( FDCPA ) that's about debt validation. The amount of the debt, the name of the creditor with the original creditor 's name and address was requested. I also requested history of payments on XXXX  XXXX accounts, insurance claims filed on these debts, chain of title and proof of ownership because the names of the collection agency had changed. 
In response I obtained nothing but XXXX intimidation tactics inflicted upon the general population ( threat of lawsuits ). Hiding their violations of FCRA and FDCPA with multiple disciplinary infractions including prohibitions on ( 1 ) representing the amount or validity of unsubstantiated debt ; ( 2 ) collecting on debt without offering to provide necessary documentation to consumers ; ( 3 ) mispresenting that it would provide the offered documents within thirty days ; ( 4 ) initiating debt collection lawsuits without possessing required documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It XXXX Concern : I recently received a copy of my Experian Credit Report and I noticed that late payments from XXXX  is still posted on my report : Affirm Account # XXXX Your company is in clear violation of the law. Under XXXX XXXX XXXX purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a Consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS-Except as provided in paragraph ( XXXX ), the term consumer report Does not include- ( A ) Subject to section XXXX of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this XXXX  account # XXXX from my consumer report. This agency is in violation of XXXX XXXX XXXX. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of character. XXXX. Negligent Enablement of XXXX XXXX. XXXX. XXXX XXXX Collections Practices XXXX XXXX XXXX XXXX violations. XXXX. Fair Credit Reporting Act XXXX XXXX XXXX Violations for willful noncompliance XXXX. Civil liability for willful XXXX XXXX XXXX XXXX This agency has violated the laws and is the only agency reporting this account. Experian is not providing accuracy. Under XXXX XXXX XXXX XXXX of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. All XXXX  XXXX XXXX are to provide the same information on my credit report. 
DELETE THIS XXXX  ACCOUNT # XXXX. Best Regards, XXXX XXXX