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

Subject : Complaint Against TransUnion for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against TransUnion. 

Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 

The violations committed by TransUnion include but are not limited to : Failure to conduct a proper reinvestigation following multiple disputes Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against TransUnion for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian today XX/XX/XXXX and was transferred 4 times. After the 4th time XXXX from Special Services  transferee me XXXX Integrity Team whom I explained I kept being transferred. I asked why they are repairing fraudulent inquiries on my credit report not made by me she told contact the company. I have therefore it states if there is suspected fraud contact Experian. They have been no help. This credit reporting agency is the most hardest unprofessional unlawful biding company. She continued to go back and forth with me and put me on hold 1hr and 15 minutes and hanging up. Also today I find out right after this my score drops 43 points because I paid off a trade line? What the heck? I suspect fraud! 
On top of this they are reporting inaccuracies still after letters and FTC copying on letters. They reported my trade line that was paid off in full on time by lender was late as well? XXXX was playing games on the phone not helping my fraudulent activity on my account she claimed to file a police report - the law doesnt require a police report on inaccuracies. Also they website states if theres unknown charges or inquires to contact them as I did! XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach, and as a result, unauthorized accounts and inquiries have appeared on my credit report. I am requesting the immediate blocking and deletion of the following accounts and inquiries, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my consent or authorization. 
Accounts to be blocked and deleted : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/year> Balance : {$310.00} Inquiries to be blocked : XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX Date : XX/XX/year> XXXX. XXXX Inquiry Date : XX/XX/year> XXXX Credit XXXX Bank XXXX XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX Date : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3.00} XXXX XXXX XXXX XXXX : {$40000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$49000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

Account XXXX XXXX XXXX XXXX Showing 2 Different Account numbers along with a lot of other reporting inconsistencies clearly violates Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

please see attached proof
Product: Debt collection

Keybridge submitted a medical debt to the credit reporting agencies that was paid. This is a matter in which both the XXXX XXXX XXXX and Keybridge have handled the matter incorrectly. We made regular payments for years to XXXX XXXX XXXX, I submitted 5 written notices to them asking for a statement reflecting what they felt we still owed. At all times we updated them with our new addresses, so they had no reason not to send billing statements. They never responded. My husband spoke to them on the phone and their billing person refused to send a statement. I made monthly payments for years, NEVER receiving any billing from them, and we NEVER heard anything of, or from Keybridge. The only accounting of our debt I could go by was the records I kept, the last billing we received was in 2014. Eventually we received a check from XXXX XXXX XXXX stating that we had overpaid the account. Even at that, they sent a hand written note, as though 1 person in the office had a conscience and wanted to do the right thing, but couldn't get permission to actually write a letter. 
A review of our credit report showed the collection reported by Keybridge. They never contacted us in any manner, nor were we given our right to dispute the debt. The debt is paid, we made PAYMENT IN FULL without EVER receiving any billing from either party. This was the result of a XXXX that was pre-approved by insurance, then after the fact the insurance company denied payment. We made regular monthly payments until the debt was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX XXXX XXXXXXXX Balance : {$700.00}
Product: Debt collection

I did not open a account with XXXX XXXX  Someone use my idenity.
Product: Credit reporting or other personal consumer reports

The information on my credit report doesn't belong to me. I am a victim of identity theft Equifax Credit Report XXXX XXXX XXXX {$35000.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX ( late payments ) XXXX Credit Report XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$35000.00} XX/XX/XXXX XXXX Credit Report XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$35000.00} XXXX  Inquiries Creditor Name Type of Business Date of inquiry Credit Bureau XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is related to my initial complaints. I have completed my identity theft kit as the XXXXXXXX XXXX requested. I am victim of identity theft. I have discovered that my accounts were compromised. I reported these to you and you helped me remove some of them and for that I am thankful, but some items require more information and they were left on my reports. Please help me. I am already XXXX and I have no one else to help me sort this out. Life has been really hard since the pandemic hit and I need my credit report to to apply for loans but I can't get approved because these fraudulent accounts and inquiries. Please remove them ASAP. This is my last shot in life. I have reported this to the credit bureaus but they don't seem to care. I have attached in this report my FTC report as well my ID, SS card copy, and proof of address.Here are the fraud accounts and inquiries that I need to be removed : FRAUD ACCOUNTS : XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have paid them because they kept on harassing me even after I notified them that my identity was stolen. I've disputed that account and we are still fighting about it. It was an unauthorized charge. They don't want to support me. So I keep disputing it. That blood money was paid in full directly to the branch manager XXXX XXXX. He can vouch for this. I have attached the proof as well. I have contacted XXXX XXXX about their situation. I have the statements proving that there was 2 years between the first charge and the one in question. They have opened another dispute about it. Also I called Regions bank to see if the manager was still there that I worked with. But he wasn't. They don't even know the account I'm talking about. How can they put a bad mark on my credit if they don't even have an account number??? They said they would try to help. But I'm not gon na hold my breath.
Product: Vehicle loan or lease

Volkswagen Credit will not transfer the original certificate of title to XXXX XXXX in order to register my vehicle. They are requiring XXXX XXXX to go against their policy and directly request the original certificate of title. 

Due to this, I have tried to refinance the vehicle, but I can not get Volkswagen Credit to send the required documents ( namely, the certificate of title ) to my new desired lender. 

This company has effectively removed my ability to 1. Register my vehicle in the District of Columbia 2. Refinance the vehicle with another lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have opted out of pre-screened credit offers through the XXXX workflow. 

I receive " Pre-Screened '' offers by mail despite being on the OPT OUT list. 

The offers violate XXXX as they advertise rates that they do not honor. 

Title V, Subtitle A of the Gramm-Leach-Bliley Act ( GLBA ) governs the treatment of nonpublic personal information about consumers by financial institutions. 

The credit reporting companies are selling my personal information for profit without my consent and they are also doing this despite Opting out.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX and I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Consumer Loan

This car was paid from the dealership and using a instrument through set off. I did n't hear anything from they have n't sent me anything via mail and additionally they are still reporting on my credit report as the account was charged off. When contacting the company I am unable to get information via telephone or mail. They just keep giving me the run around and no one seems to be concerned about the defamation of character I am experiencing and no one wants to give me. Home loan because of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) -my name is XXXX XXXX XX/XX/XXXX my XXXX XXXX was reduced from XXXX to XXXX for the simple fact of disputing a balance of {$140.00} dollars which was paid on time affecting my credit XXXX points when making the dispute the agent at no time informs me that if the credit card in this case capital one does not respond to the dispute the system would automatically not recognize the account and it would affect me which happened that way I have called capital one and XXXX  and the last one told me provide me an item number XXXX They have agreed to call me to solve my problem and they have never done so. I hope you help me solve this problem, thanks. ( XXXX ) as recently as today, XX/XX/XXXX, Capital One reported the following to the XXXX and XXXX credit bureau * the balance of the Capital One account decreased between XX/XX/XXXX and XX/XX/XXXX, the balance of its Capital One credit card decreased from {$100.00} dollars to {$0.00} dollars. Good job, it looks like you are using less than 10 % of your card 's credit limit. Credit card utilization below 10 % will generally cook up great. ( result of doing things right XXXX points were deducted from my XXXX XXXX call XXXX and they are not responsible for what happened call capital one and they are not responsible for what happened ( these XXXX problems with my credit card ended in XXXX from Capital One has tremendously affected my peace of mind. I have always tried to keep my payments 100 % on time and it is not fair to see myself affected in XXXX month by XXXX points of my credit due to negligence ( I no longer know who to turn to or who to talk to about both parts credit bureau and capital one card ( I trust the laws and justice of this country and I know that everything will be solved in your hands thank you )
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM A VITIM OF ID THEFT, I DID NOT MAKE OR AUTHORIZE THIS ACCOUNT. ( XXXX XXXX XXXX FOR {$570.00} OPENED XX/XX/2020 )
Product: Credit reporting or other personal consumer reports

On XX/XX/ I sent a dispute letter to Experian requesting them to investigate and correct or delete inaccurate information on my credit report. Days later I received a system generated response from their system refusing to investigate my disputes on the basis of an unverified assumption that I was a using a 3rd party, which I am not. This is now month 3 of me trying to get to Experian to adhere to the FCRA and follow procedures outlined by congress to ensure I have a fair and accurate credit report. Experian has refused to abide by the FCRA and accurately investigate my disputes.