23daVinci/CFPB_Complaints huggingface dataset:
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. I have been sending numerous letters to Transunion for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Transunion was XX/XX/XXXX, with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the accounts I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT TRANSUNION REMOVE THE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft where all or part of my personal identifying information has been used to establish credit without my knowledge. I have identified several fraudulent accounts on my credit reports and have since frozen the reports, added fraud alerts and filed disputes. 

However, I am having difficulty in dealing with Experian and XXXX blocking the fraudulent accounts from my report. Every time I contact them and provide the information necessary they just place the accounts back into dispute status and later claim they verified the account is correct. Both XXXX XXXX and XXXX have removed the accounts. 

However, I have been in touch with the creditors and forwarded them copies of my identity theft reports and identifying information and was assured the accounts would be removed from my report. I don't know what to do at this point as I am being stonewalled by these companies that continue to maintain fraudulent accounts as if they were mine. 

I am reaching out to the CFPB for assistance in getting this resolved. 

The accounts are : XXXX ending in XXXX XXXX  ending in XXXX XXXX  ( XXXX Card ) ending in XXXX Also some of these accounts have addresses that aren't mine : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Attached documentation from creditors as well as ID Theft Report and personal Identification are attached.
Product: Debt collection

I found out that someone had fraudulently opened a Discover Card in my name with a credit line of {$4500.00} on XX/XX/XXXX and within 2 months of activity and non payment, Discover increased the line of credit to XXXX. The credit card was opened using a XXXX XXXX and all subsequent correspondence were addressed to 'said " XXXX XXXX XXXX I never opened this account nor the XXXX XXXX XXXX By the time I noticed this fraud on my credit report, I attempted to call Discover however they said it was already turned over to collections. I contacted the collections company they gave me and called XXXX XXXX XXXX XXXX. They sent me paperwork and I successfully filled it out and sent to them. I called and confirmed receipt of paperwork and then asked for 'verification of debt '. They sent me partial statements however I called back and asked for the original application and the months of statements I was missing. The account was opened on XX/XX/XXXX and I only received XX/XX/XXXX to XX/XX/XXXX. I never opened this account. Instead of sending me the remaining information they presented me with a summons and now I will be engaging my attorney in an attempt to rectify this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, 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 USC 1681 - ( 2 ) ( A ) ( I ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s-3 of this title, Any- ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a Transaction.
Product: Debt collection

Paid the debt collection and wo n't take it off my credit. Holding potential for credit score to be higher.
Product: Credit reporting or other personal consumer reports

Social security number is XXXX my complaint XXXX  equifax XXXX  theirs is three adverse negative items the three accounts are fraud they supposed to be removed from my XXXX  report theirs is a federal trade commission identity theft report on file sine XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan through XXXX XXXX XXXX on XX/XX/17. 

I filed for Chapter XXXX Bankruptcy in XX/XX/2017. The vehicle loan was excluded from the plan. ( Proof attached ). Timely payments have been and still are being made. 

Since that point the loan, on my credit report, has continually showed incorrectly. Some months it shows that it is closed. Some months it shows as being open, but no balance, no payment information. Some months it shows open but being part of bankruptcy. 

Currently, it is not showing anywhere on my TransUnion account ( it isn't shown as open, it isn't shown as closed, etc. On XXXX  it is showing as closed, XXXX  % paid off, but no payment information ( Highest Balance = {$0.00} ) - XXXX  screen shot attached. 

I disputed with TransUnion on XXXX XXXX & XXXX XXXX ( via XXXX   website ), details attached. I also disputed directly with XXXX  on XXXX XXXX   ( details attached ). 

In all cases, " changes '' were made to the reporting, but the changes were still inaccurate and the following month the reporting changed ( sometimes reverted, sometimes to something completely different ).
Product: Credit reporting or other personal consumer reports

I disputed account information with this creditor on XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXXXXXX XXXX XXXX citing incorrect information being reported. The account showed as Charged Off on two of my reports and continued to report as late ( Transunion and  XXXX ). The vehicle was repossessed on XX/XX/XXXXXXXXXXXX   and sold at auction on XXXX at this time I never received a Notice of Sale nor a Notice of Deficiency Balance. I asked Transunion and XXXX to investigate and the action took more than 30 days and a proper investigation was not completed. My XXXX  complaint was answered in the proper timeframe but at that time the creditor illegally re-aged my date of last activity AND did a hard pull that resulted in an inquiry. As of XX/XX/XXXX, my XXXX report shows the date of last activity to be XX/XX/XXXXXXXX  and my Transunion report shows the date of last activity to be XX/XX/XXXXXXXX  although they continue to mark my account as late on my Transunion XXXX XXXX XXXX. Comments are listed as Repossession, however, on XXXX the payment history for the last 2 years ( XXXX XXXX XXXX  ) is listed as XXXX XXXX XXXX services failed to accurately report information across the credit bureaus and the bureaus failed to properly investigate the same. Further, following the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 
Unfortunately, my files are too big to attach here, however, I have attached a few screenshots of relevant information and am happy to provide more details in another venue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : DEPT OFEDUCATIONXXXX XXXX XXXX : {$11000.00} ; DEPT OF EDXXXX XXXX XXXX : {$3300.00}
Product: Credit reporting or other personal consumer reports

Attached to this complaint is a letter from XXXX XXXX for proof that the XXXX XXXX XXXX XXXX account currently listed and showing on my Experian credit report is a fraudulent account and not my account. The XXXX XXXX, XXXX account is also a fraudulent account and not my account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts US BKPT CT XXXX XXXXXXXX : Account number : XXXX, Thisisthe reason of the Data Breach. Delete it from my credit Report Today! 
US BKPT CT XXXX XXXXXXXX : Account number : XXXX XXXX : Account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXXXXXX XXXX  ) : Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXX XXXXXXXX XXXX : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Vehicle loan or lease

I sent a request Surplus / Deficiency Letter through first class mail and sent a 1099-C request letter on XX/XX/2023 and XX/XX/2023 to TD Auto Finance. I mailed the letters to the address they have provided the credit bureaus and on their website XXXX XXXX XXXX XXXX XXXX, MI XXXX. I have yet to receive a response from them. They are reporting XXXX different balance to XXXX and XXXX which is not correct. This is truly detrimental to my credit and finances. I have been disputing with XXXX and XXXX to investigate inaccurate information on TD Auto Finance on my credit report yet they have failed to do so under my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXX Balance : {$7600.00}.
Product: Credit card or prepaid card

a credit card was fraudulently opened in my name, through the XXXX XXXX XXXX XXXX through US Bank and the financial institution sent me a letter stating it was closed as fraudulent, but yet the account remains open and took me to collections when I have never opened an account, nor have I ever had that financial institution. They never call back when calling and getting voicemail. They say they never receive the police report that I have sent them 3 times.
Product: Debt collection

XXXX took it off cause I do not owe this it is not my debt to pay I do n't know where it came from I have had only XXXX and now XXXX I do not know what other steps to take it needs to come off my report tried to apply for a mortgage loan to buy a house and they told me about it on my credit report did not know anything g about it till then that was XX/XX/XXXX been fighting it ever since XXXX took it off my report
Product: Prepaid card

I disputed fraudulent charges to my card and it was denied. They said they investigated charges and were not in error. I requested investigation results and my personal information was entered incorrectly by the fraudulent purchaser like email address XXXX the city that I live inXXXX phone number and the biller address was different than the delivery address the shippingXXXX deliveryXXXX tracking and any info on the delivery of shipment address was blurry and was not able to be read. Incorrect personal information is definitely a red flag that they either looked over or not at all.
Product: Debt collection

I am writing to formally dispute inaccurate information currently listed on my credit report. Under federal law, specifically 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), and 15 USC 1681i ( a ) ( 5 ) ( B ), you are required to investigate disputed items promptly and accurately, and to delete or correct any information that can not be verified. 

The item in question is a misrepresentation of my credit history and violates my rights under the Fair Credit Reporting Act. This information must be removed immediately. Failure to comply constitutes a violation of federal law, as evidenced by current lawsuits against Experian for similar practices. 

Please consider this my official notice and request for immediate correction. I expect confirmation of your actions within the legal timeframe. 

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

I contacted all three major credit bureaus ( Experian, XXXX and XXXX ) and requested a complete validation of supposed debt by investigating, the original contract with original creditor with my signature on it, age of the debt, an itemized statement of what is owed, name and address of original creditor, proof of debt assignment and evidence that I am legally responsible for the debt. When disputed the results from Experian and XXXX were complete without correct within 24 hours unchanged. XXXX did update by removing this supposed debt from my XXXX credit file. The other companies involved are : XXXX XXXX XXXX and I have reached out to them requesting Validation of the debt, including the original contract with original creditor with my signature on it, age of the debt, an itemized statement of what is owed, name and address of original creditor, proof of debt assignment and evidence that I am legally responsible for the debt. I never received this information. I contacted them to be told all they have is an invoice to send me and that proves I owe it. My letter also stated that If their office fails to respond to the VALDATION request within 30 days from the date of mailing, all references to this account must be deleted and completely removed from my credit file and a copy of deletion request sent to me immediately. They again continued to list this unvalidated debt on my credit file and again just sent me an invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. The creditor never sent me a post-repossession notice which was supposed to provide me with the amount due, where to pay, and where to get my vehicle back. I was told that I have no right to reinstate which is a violation of state law. 
XXXX XXXX Account Number : XXXX If you can not prove that this account is being reported accurately, then delete it. 

2. Remove this account for inaccurate reporting because the date of the last payment is missing.

Since you have not reported the date of the last payment it messes up two things. First it shows do not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off.

This means that you were never given the true date of the first delinquency and this is causing me stress being reported XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) 3. Remove this account for inaccurate reporting because you have failed to report this account every month. 
You have not reported this account since XX/XX/XXXX which is about a year now. The data furnisher is required to report this account every month or else it jeopardizes the integrity of the reporting and also shows that it is misleading and injurious to me XXXX  Account Number : XXXX Please Submit onto ACDV XXXX and please Delete under section XXXX ( XXXX ) ( b ) XXXX. This charge-off is past the statute of limitations in my state of California for XXXX to legally collect from me. Since they can not legally collect from me, having a past-due balance is inaccurate and illegally reporting since charge-offs can not have a past-due balance XXXX XXXX Account Number : XXXX Remove this inaccurate charge-off. I am pursuing litigation against them as they are reporting inaccurate information. 
5. I am disputing this account for inaccurate information because you are reporting the date of last activity incorrectly. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX  XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, FL XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : XX/XX/XXXXBlock Request To Whom It May Concern, I am writing to advise that I am a victim of XX/XX/XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XX/XX/XXXX. 
XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXXXX/XX/XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XX/XX/XXXX.

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 XX/XX/XXXXin persons or XXXX XX/XX/XXXXif the consumer has provided XX/XX/XXXXdocumentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) XXXX 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 XX/XX/XXXXin persons or XXXX XX/XX/XXXXif the consumer has provided XX/XX/XXXXdocumentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section 605C is effective 30 days after the XXXX issues its final implementing regulations. 
BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. XXXX ] XX/XX/XXXXXXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XX/XX/XXXX( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity XX/XX/XXXXdocumentation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : [ XX/XX/year> ] Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Late Payment on a Closed Account FCRA Sections Violated : Sections 609 & 611 To Whom It May Concern, I am writing to formally dispute the reporting of a late payment on a closed account that has negatively impacted my credit score. This error has caused my payment history rating to drop from XXXX  % to approximately XXXX %. Since the account is closed, no new late payment should be reported. 

Account Details : Creditor/Account Name : [ XXXX ] Date ( s ) Reported Late : [ XX/XX/year> ] This entry is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Specifically : Section 609 ( 15 U.S.C. 1681g ) : Requires the disclosure and verification of all information in my file.

Section 611 ( 15 U.S.C. 1681i ) : Provides me with the right to dispute inaccurate information and mandates that Equifax conducts a reasonable reinvestigation. 

I Request That Equifax : 1. Reinvestigate the disputed late payment entry on this closed account.

2. Remove or correct any inaccurate information that has been reported.

3. Provide me with written confirmation of the actions taken and the outcome of the investigation within the required XXXX period. 

Enclosed are copies of : A copy of my credit report highlighting the disputed entry. 
Documentation verifying the account closure and accurate payment history. 
A copy of my government-issued ID and a recent utility bill as proof of address. 

Thank you for your prompt attention to this matter. Please contact me at the above phone number or email if additional information is needed. 

Sincerely, XXXX XXXX Enclosures : Credit Report Proof of Identity Proof of Address 1099 document