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

On XX/XX/2023 I sent a 5th letter to Experian in reference to my personal information on my consumer report. I noticed that they still had not removed an inaccurate and old address I no longer have access to. I've repeatedly asked Experian to remove the address because of the reasons I stated earlier. They claimed that the address had been verified and updated because it is attached to collections account that's not supposed to be on my report to begin with. I have enclosed the letter that was sent out. A copy of an old license from Maryland that has the correct address. Which is not the same address that's on my report. The address on my report is not accurate at all. They have constantly violated my consumer rights by holding my report hostage. 
I have also enclosed a copy of my report with the old address as well as a copy of my current address and license that I've sent them 5 times. They refuse to remove the address and I'm tired of asking. They have constantly violated 15 USC 1681 ( a ) ( 4 ) as well as reporting accurate information on a consumer report. 
They also refuse to remove two collections that they claim have been verified and updated. They have not provided me with any information on how these two collections were verified. Even though I filed a complaint with you guys already against XXXX XXXX XXXX and they stated here in a response that they did not report to any bureaus in reference to my consumer report. They still refuse to remove it. I also have a copy of the said letter as a response to the CFPB complaint about them not reporting it. 
XXXX XXXX XXXX XXXX was also verified and updated and I wasn't told how. That should also be removed from my report. I never gave permission to them to report anything. 
XXXX XXXX XXXX was not given permission to report anything as well. So these companies have illegally reported anything without my written permission 3 times. 
So these companies have illegally taken my information without my consent.
Product: Debt collection

This past week I received a letter from real time resolutions, dated XX/XX/2019, showing that I have 3 options to chose from in order to work towards clearing a second lien on my current property. That lien was never officially noticed to me through the courts. Their options are ( 1 ) a temporary payment arrangement, paying over {$800.00} over the span of a year, then the previous (? ) arrangement will resume in effect ( no indication what that was ), ( 2 ) resolution - payoff one lump sum ( $ 16K+ ) that's 1 % reduction from amount owed ( full ), ( 3 ) short sale. Real time cost me my previous attempt to re-fi a couple of months ago. Knowing they did not pay full amount for the aledged debt, pennies on the dollar. Now I am still attempting to re-fi and that is all they want to do. On XX/XX/2019, at approximately XXXX, I spoke with one of their customer service ( XXXX ) representatives, who identified himself as XXXX  ( sp? ). He indicated that the company would take no less than the $ XXXX owed (? ). I offered $ XXXX. He stated no. I told him we were done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX  many times, regarding information currently being reported on my credit file I've informed that this information is in the result of identity theft I've sent them my credit report, my dispute letter, my FTC affidavit, my police report, I've also sent them a copy my other report so they can verify that the accounts I reported as fraud had already been verified and removed by the other credit bureaus and they are still refusing to remove the accounts! 

The accounts are 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX   4. XXXX XXXX THEY ARE REPORTING MY XXXX CARD WITH LATE PAYMENT WHICH IS NOT CORRECT ALSO I HAVE 51/ WHICH 48 ARE INQUIRES HAT ARE FRAUDULENT!
Product: Credit reporting, credit repair services, or other personal consumer reports

A recent XXXX initiative was launched XX/XX/XXXX regarding how credit agencies report and/or verify information placed on credit reports. In my case a XXXX XXXX XXXX currently on my TransUnion credit report. After hearing about these changes i called TransUnion on XX/XX/XXXX about how this would impact me directly. The lady i spoke with outlined the recent changes to include " a new standard of minimum requirements '' for public records, such as tax liens or bankruptcies. She stated if a reported lien did not include " ( 1 ) Name, ( 2 ) address, and ( 3 ) full social security number and/or date of birth '' then it would be removed from my credit report. I let her know that i had already in fact received a copy of the official XXXX from ***XXXX XXXX XXXX XXXX , XXXX XXXX , Florida*** and was able to confirm it did not have the SSN or DOB present. The XXXX XXXX also confirmed the last time anyone requested confirmation of the XXXX was XX/XX/XXXX ( the new XXXX also states regular 90 day check-ups are required ). With confirmation from TransUnion and the Court i submitted my dispute. 2 Days later TransUnion stated it was verified and would remain, even though they directly confirmed it would be removed. I do n't understand why they provided me all the information on the new standards, i confirm my information does NOT meet the standard, submit the request satisfying all the requirements and then they say " its verified '' and will remain. ( I had called XXXX the same day I called TransUnion and after faxing the official copy they also removed the XXXX from that report for this  very same XXXX requirement ). Can someone please contact TransUnion to have my report corrected and follow the guidelines they stated they were using? I need help with this ... Thank You ( i 've also attached an official copy of the lien document from the circuit court supporting my complaint and dispute. I also attached a copy of my SSN and FL DL verifying my identity -- please do n't publish that document )
Product: Checking or savings account

On XX/XX/XXXX I tried working with someone from US Bank to locate statement and account activity for a Checking Account. I had a total of two Checking Accounts with US Bank ; one that is closed and one presently opened. The challenge I am facing, is that when I was trying to get information on the closed account I am told it was purged and that there is no document retention available because it's been over 7 years from when it was opened. The closed account was opened in XXXX but sometime around or after XX/XX/XXXX. My SSN is XXXX. I am requesting assistance because I need to locate check activity that potentially occurred between all of XXXX and all of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous phone calls and letter to XXXX XXXX  and to the credit bureaus such as XXXX   and Equifax. XXXX XXXX has been reporting an non data information to these credit bureaus listed above for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX. In event of the information being erroneous and out-dated, I have been experiencing a amount of XXXX  and XXXX  due to my current status of a home loan. I was denied credit due to the non- data information on my credit report. On these dates above, supposedly should be representing is ( payments on time or OK status ). My credit is very important to me and has been working very diligently towards this situation. I am requesting that XXXX XXXX, XXXX, and Equifax please work together in correcting this issue.
Product: Mortgage

On or about XX/XX/2021 I sent the servicer of my loan a letter requesting the identity of the owner ( s ) of the debt or creditor ( s ) pursuant to 15 USC 1641 ( f ) 2 a request for loss mitigation under 12 CFR 1024.41 and lastly a request for information about the servicing of my loan and specifically the XXXX test and the detailed explanation of the XXXX methodology and model including all formulas and variables for any loss mitigation application. To date I have not received any acknowledgement from the servicer that the letters were received as required by 12 C.F.R. 1024.36 ( c ), and or a the information requested within 30 days are required by 12 CFR 1024.36 ( d ) ( ii ) ( 2 ) ( B ).

The servicer has received my letter request for information and my application for loss mitigation on XX/XX/2021 and XX/XX/2021 according to my certified mail tracking receipts. ( See Attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a few letters to XXXX and also a few letters to the credit reporting agencies, Equifax, XXXX and XXXX because they violate my fcra right even made a complaint againts the company, they don't even answer to the CFPB complaint.
Product: Credit reporting or other personal consumer reports

Experian show I have two XXXX that I don't. XXXX XXXX verified I have no XXXX but Experian did not remove
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 XXXXXXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The first time I became aware of this debt was when I saw it on my credit report : Amount : {$980.00} Original Creditor : XXXX at XXXXXXXX XXXX XXXX  XXXX : Consumer Adjustment Co I did not receive any communication regarding this debt from Consumer Adjustment Company, but I recognized the name of the original creditor as a hospital at which I was a patient. I assumed this was related to an unpaid copay from that hospital. I reached out to Consumer Adjustment Company via their website to reach an agreement on the debt. I received no response. 

Because of the lack of response from Consumer Adjustment Co, I then reached out to the hospital billing department and paid the outstanding bill to them directly. I later learned that that bill was not the one that Consumer Adjustment Co was trying to collect on. I had no way of knowing this at that point. Therefore, I thought the debt was settled and attempted to dispute the debt with the credit bureaus. The disputes were denied. 

I then filed a complaint to the XXXX XXXX XXXX  Finally, the debt collector communicated regarding the debt, providing a date and the name of one of the healthcare providers who cared for me at the hospital ( I thought it was unusual that they had the specific name of a care provider ). This communication was the first I had heard from Consumer Adjustment Co, and it was through Better Business Bureau. The date Consumer Adjustment Co provided in this communication was not the same date for the balance I paid to the hospital already, so at this point, I assumed there must be another debt that I was unaware of. 

I then reached out to the hospital billing department again and was informed : 1. the debt for the date in question was assigned to a different collection agency than the one that is trying to collect on it 2. the hospital billing department does not deal with Consumer Adjustment Company at all 3. the amount is incorrect 4. the debt is not considered delinquent at this time and should not be reported to the credit bureaus When I first saw this debt on my credit report, I was uninformed of the obligation of the debt collector to notify me of the debt or to provide me with an opportunity to request further information. At this time, the only communication from Consumer Adjustment Co has been in response to my XXXX XXXX XXXX  dispute. I am wary not only of the legitimacy of the debt but of the circumstances of how Consumer Adjustment Co has the specific name of a care provider from my visit to the hospital. I have yet to receive any debt validation from Consumer Adjustment Co, and the original creditor is denying the existence of any outstanding debt with Consumer Adjustment Co. I am suspicious that this may be fraudulent. 

The date of service Consumer Adjustment Co is attempting to collect on is XX/XX/20 from XXXX at XXXXXXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2023, I called USAA Bank regarding a checking account being opened in my name using my information. No one in my family is in or involved with people from the military. They told me they would start investigating and they would close the account if they found it fraudulent. After a week I called back to make sure my account was being closed since I was still receiving emails stating changes being made in the fraudulent account. They asked me security questions, I'm assuming the other person set up then proceeded to tell me they could not let me know what the other person was doing even though it was all being done in my name, but they would investigate. I told them they had already said they were investigating and the person seemed to not know anything about it. They said they'd make a note for the fraud department so they could continue investigating. After about two weeks of going back a forth, and repeatedly verifying my identity, I stopped receiving emails for a while but never received any confirmation the account was closed. Fast forwarding to a week ago, I started receiving emails from the account again, the one I was told repeatedly was closed. I called them again and the lady told me they closed the checking account but not the main account. This wasn't true since I received an email regarding the checking account being active. I asked them to close all accounts associated with USAA so there was no longer an account in my name and she said she'd make a note of it for the fraud department. This means the first few people still hadn't made a note after months. I called again earlier this week, the week of XX/XX/XXXX, and I was told the same thing. The checking account should be closed but it's just the main account and they're not allowed to say anything else about it. They redirected the call to the fraud department and they told me, that the account should be being closed soon and to call back in a few days. It's been a few days now, and I have received another email about the person making changes to the account. This has been going on for months and it should have been closed when they told me they would close it back in XXXX.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and detected. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction completed by me as a consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.
Product: Debt collection

this was a result of a fraud account thru state farm bank that i have disputed numerous times thru XXXX ref account XXXX and they sold a fraud account to a collection agency who is now collecting on this fraud account
Product: Credit card

Unauthorized charges were made to my Macy 's American Express credit card during XXXX of 2015. I disputed these charges via phone on XXXX XXXX, 2015. I fully completed Macy 's required documentation of this dispute and returned their documentation ( notarized ) on XXXX XXXX. I received a letter acknowledging the receipt of this documentation on XXXX XXXX. Since then, I have received numerous collection agency calls.
Product: Prepaid card

I registered the card online but I am unable to use the card to make any purchases. I have tried to contact prepaidgiftbalance both through the website where the card had to be registered and by using their phone number XXXX. The website only directs you to the phone number provided to contact them, the phone number is automated and has no method for entering complaints or trying to resolve issues with the card not working.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the inaccurate balance reporting on my credit report by XXXX XXXX. The account in question should have a XXXX balance, yet XXXX XXXX is reporting to all credit reporting agencies a balance and continues to report an incorrect balance. This inaccurate reporting negatively impacts my credit history and must be updated immediately to ensure the accuracy of all my credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 


I request a thorough re-investigation into this matter, adhering to the guidelines set forth by the FCRA and other applicable statutes. The following concerns highlight the inaccuracies in the current reporting : Failure to Reflect Correct Account Balance : XXXX XXXX is reporting a balance on the account, while the account balance should be XXXX. This inaccurate reporting is consistent across all credit reporting agencies and is damaging my credit history. It is essential to rectify this discrepancy promptly to ensure the accuracy of all my credit reports, as required by the FCRA and other relevant statutes. 


Non-Compliance with FCRA and Statutory Requirements : The inaccurate reporting by all credit reporting agencies, constitutes a violation of the FCRA and other applicable statutes, which mandate that credit reporting agencies report accurate and up-to-date information. It is evident that the reported balance is incorrect, and it is the responsibility of both XXXX XXXX and all credit reporting agencies to correct this mistake in a timely manner. 


I demand immediate action to rectify this situation, in compliance with the FCRA and other relevant statutes. Specifically, I request the following : Coordinate with XXXX XXXX : The XXXX XXXX account balance must be accurately reflected as XXXX, given that there is no outstanding balance on this account. 


Provide Written Response : I expect a written response regarding the results of the re-investigation and any actions taken to address this dispute within the timeline mandated by the FCRA and other relevant statutes. 


Remove Inaccurate Information : Should it be found that the reported balance is indeed incorrect, I request a prompt update of a XXXX balance be reported on my credit report. 


I also request updated copies of all my credit reports reflecting the corrected balance and the removal of any inaccuracies as a result of this dispute. 


Your immediate attention to this matter is crucial.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a complaint against TransUnion for their failure to provide proof and a detailed description of the reinvestigation process, as required by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( 7 ) paragraph ( 6 ) ( B ) ( iii ) ; in which it states that a consumer reporting agency must provide a consumer with the description mentioned in paragraph ( 6 ) ( B ) ( iii ) within 15 days of receiving a request from the consumer for that description. 

Despite my previous repeated disputes, TransUnion has not complied with the FCRA by refusing to furnish documentation and a comprehensive explanation of their reinvestigation process. I believe this non-compliance hinders my ability to address inaccuracies on my credit report. 

Enclosed are copies of relevant correspondence. I request the Consumer Financial Protection Bureau 's assistance in ensuring TransUnion adheres to the FCRA. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I began using Experian 's " BOOST '' program to improve my score ahead of financing a home purchase. All seemed legitimate and well, given that Experian is officially one of the three major credit reporting bureaus. At some point between XXXX  and now, Experian had at least 1 data breach. I just found this out because I purchased a XXXX XXXX recently that scans websites for this kind of information. However, Experian has never disclosed this information. I tried to contact Experian via phone and online chat services, and as usual these are human-less automated distractors that waste one 's time. I could not ever get through to a " specialist. '' Experian has deliberately made it difficult for human contact. Furthermore, the BOOST program highly encourages consumers to input all of their credit-based information such as rent payments, checking accounts, insurance payments, etc. I am certain that 1 ) this is at least unethical, if not illegal, and 2 ) Experian has sold this information to others data brokers.

The BOOST program inflates one 's credit score after the person submits their information. This credit score is not the REAL score that will be used by mortgage lenders. So, what you have here is false advertising and you have a credit agency acting as a private for profit corporation. The information we give over is total and the information we receive is incorrect. Experian does not have transparency in its processes and is not conducting its business ethically, or even legally. 

Upon trying to disconnect my very personal accounts such as checking, etc., my score then dropped. So, this says that if you do not participate in BOOST or if you choose to stop, you will be punished. 

MOST importantly the fact is this : Consumers can not get a REAL, factual score from any entity. This makes for a most unethical situation where we consumers have to " guess '' where we might land no matter what credit reports say. Furthermore, in trying to find out what the real score is from Experian, XXXX, or XXXX, one has to PAY for some sort of shady scheme. If we try to get this information from our bank or other lender, we then have to be willing to lose up to XXXX XXXX  or more on the credit score. 

These credit agencies are not government sanctioned or are they? Who gives them the right to be able to handle such life altering information? 

They have been breached and they deceive you into schemes that allegedly improve your credit, all the while selling your information. None of this is disclosed on their documents, or if the information is disclosed, it is difficult to find.