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

i I am submitting this XXXX XXXX his isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 negative account 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Debt collection

Upgrade continues to call me over and over Mutiple times in one day. In the past 2 days they have called me and left messages 8 xs. I have already explained to them that I am having trouble paying and am out of work due to a XXXX.
Product: Debt collection

In XXXX I injuried my XXXX 3 times. I 'd seen multiple doctors, surgeries, pt 's. I ended up with XXXX 's of dollars in debt, and zero way to pay it. I lost my job, I lost my entier life savings. I was living off my daughter ssi of XXXX dollars a month, and in massive physical pain. About a year later in XXXX. I 'd be reported to collections by XXXX. For over XXXX dollar. I send them XXXX dollars. I think got a bill for XXXX dollars. I never called them and worked out a payment plan. I did n't do payment plans because I could n't honor them. My mom every 6 months would send me some money for medical debt. I sent them XXXX dollars, in XXXX, and that was the last I heard of them until yesterday. 5 years. When the filed 5 years of non payment collections on my credit. They never called me, they never billed me. They made zero effort to bill, call me, never sent it back to collections. Until XXXX/XXXX/XXXX. My money problems never got any better. I since been dx with possible XXXX, and I live off I and my daughter XXXX, at XXXX dollars a month.
Product: Credit reporting or other personal consumer reports

I cant view my credit profile on any platforms and I need to view them to look at my report. Im a victim of id theft and need to view its its been 4 months and I need to see my XXXX and equifax report!!!
Product: Credit reporting or other personal consumer reports

I can not accept the presence of public records on my credit report. It is causing significant XXXX  and XXXX, and I implore you to remove them without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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

I have several credit inquiries from multiple companies on XXXX XXXX, 2017. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. 

XXXX -XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX
Product: Credit card or prepaid card

I got a LOWES credit card last year with the promotional offer of 0 % APR for the first 18 months. After making payments of over a year, I recently discovered that I was being charged a debt protection fee that I have zero knowledge of agreeing to. Over the past year, XXXX XXXX has been charging me up to {$74.00} a month for something A ) I didnt sign up for, and B ) dont qualify for since Im XXXX. 

The only thing I was able to do was to stop from having the charges continue moving forward by opting out. I dont get my years worth of paying this phony fee back. To say that I feel cheated is an understatement. 

XXXX XXXX should tell their borrowers that theyre charging their new customers a free each month for something they may not be aware of or ever be able to even benefit fit from. How is this even legal?
Product: Checking or savings account

I couldnt open up a checking account. Please fix this problem
Product: Debt collection

RCVL PER MNG is reporting inaccurately on my credit report. They are in violation of the bankruptcy automatic stay as the debts were included in a discharged bankruptcy yet they are still reporting balances and updating monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is paid and still reflects Negative information on experian credit report experian will not correct the information properly. Experian continues to report inaccurate information Potentially Negative is hurting my score and preventing score updates and loan or other approval
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent EQUIFAX a cease and desist, affidavit of truth and bill of particulars on XX/XX/XXXX. I have let EQUIFAX know that they are breaking federal law and violating my consumer rights. EQUIFAX is still reporting NEGATIVE accounts on my consumer report with my written consent.
Product: Debt collection

I have asked the company to provide me with a wet signature or original contract, and a chain of sale from original creditor validating that I owe the debt in question
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes every month for 6 months to all 3 credit bureaus - Equifax, XXXX  & XXXX. I've received confirmation that the bureaus have received my disputes, but I have never received a response, the account I'm disputing has never been listed as " in dispute '' and the inaccurate information is still on my credit report, damaging my score. 

Not one of the credit bureaus has responded to any of my dispute letters, this is not only illegal, but that means the account in question qualifies for deletion from all 3 bureaus. 

The account I've been disputing is XXXX XXXX, it's a loan that was never personally guaranteed by me, it was a company I worked for, but had nothing to do with me personally. This is illegal and unjust.
Product: Credit card or prepaid card

I have ordered a citibank mastercard and it has been more than 3 weeks and it has not arrived. However, the mobile app says I should have received my card about XX/XX/13. This is highly unusual, so I suspect it either got lost, or worse compromised. Or.. they never sent it. 

I decided I want to report it, and get a replacement. I attempted to contact the XXXX number they have on their website, as well as use the... ABSOLUTELY USELESS 'help ' they have on their website, and It seems like it's designed to purposely avoid helping anyone at all. Every selection have gatekeeping that require the card 's information in order to proceed in the menu. It's the most infuriating customer experience I've ever had. 

So now, *IF* something were to happen, I can't " lock '' my card in the app because it isn't activated and I can't get ahold of anyone because of their system to manually address this issue. How is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$7000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am higghly upset that the credit bureaus have not responded back to me about my investigation. this is extremely important to me I need the accounts that dont belong to me to be deleted as soon as possible.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have been disputing this particular card because it was fraudulently opened using my information. I was XXXX XXXX XXXX XXXX in a XXXX XXXX XXXXXXXX XXXX, during my time there this account was opened using my information. I did not authorized my information to be used, nor did i used this card for any purchases. They have not provided me with any of the information i have requested on multiple occasions. I have filed a police report and and FTC Report in regards to this identity theft matter, and sent copies of my documents to them on multiple ocassions
Product: Debt collection

CFPB XXXX Complaint concluded : We reviewed your complaint and weren't able to forward it to the company for a responsebecause the company is not on our complaint system. 

Please advise why TD Retail Card Services, XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX are excluded in your complaint system? 

In response to your communication : The CFPB can't give legal advice or represent individuals in legal matters legal advice or representation was never requested as alleged. 

Furthermore, please advise that TD Retail Card Services, XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX have been added to CFPB complaint system and that they have been notified of the CFPB XXXX Complaint.
Product: Credit card

I purchased {$2500.00} a course online on XXXX the merchant did not provide the service. I submitted evidence to the bank, and they initially accepted the dispute and refunded the amount. However, six months later, without being able to contact the merchant, the bank withdrew the refunded amount from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX**Balance XXXX {$730.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$790.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$1400.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX****Balance : {$1300.00} XXXX XXXX XXXX****Balance : {$0.00} XXXX XXXX****Balance : {$2600.00} XXXX XXXX****Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX/XXXX  XXXXBalance : {$0.00} XXXX XXXX Balance {$270.00} ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} Inquiries : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I noticed inaccurate personal information on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that FRAUDULENT inquiries that had been made on XX/XX/XXXX and on XX/XX/XXXX are still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) inquiry on my credit report to determine who authorized these hard inquiries. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiries. ( Do not send me anything via US mail. ) Please note that although the inquiries shown on my credit report are a factual record of the company who accessed and reviewed my profile and although they are only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiries referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with these FRAUDULENT hard inquiries. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FDRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experiences, where XXXX has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experion has been reporting to XXXX XXXX XXXX that I have accounts that are NOT MINE - they are XXXX, XXXX XXXX  and XXXX XXXX -i lived in XXXX XXXX , XXXX  where there was ANOTHER XXXX XXXX - my initial in my middle name is XXXX and someone she got my social security number because the USPS delivered wrong mail ( mine ) to her and hers ( to me ) - i filed a report with the XXXX XXXX police department and listed the ones that are NOT mine which are the ones Experion is reporting to XXXX impacting my ability to get an apartment. Because Experion will not work with me to correct this problem and remove these from my account - it totally stops my life I'm XXXX years old and was just relocating to XXXX to start a new life after getting a XXXX XXXX  and a chance to live again - this was after many many years of XXXX  and not working - not living - and now Experion has again made my life impossible I've lived 20 years of health issues and now when I'm healthy once again - I am stopped by someone elses issues - Experion will not let me file a dispute because they believe the information to be correct because it has all my personal information -- yes it does because this other person got all of the information when the USPS delivered my mail to this other persons ' home address and because of her dishonesty - I am the one who is suffering. I'm not saying that I've not had financial issues I have - I had not been able to work for many years and lived on SS but when I could work - I went back to work immediately - saving money to be able to pay for my medications that are expensive as well as saving to move to XXXX   there has to be something that someone can do to stop experion and the other credit bureaus from destroying people 's lives based on information they do not know to be correct ... they are guessing because the information matches only because of identity theft. So at XXXX I once again will be homeless and have nothing because I sold everything i own to be able to move to XXXX and start a new life -- this has to stop somewhere doesn't it -- you get sick with XXXX XXXX, go on XXXX, lose your job, can not work, and someone takes your identify and has a field day -- and I lose.