23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I spoke with TransUnion about disputing the hard inquiries applied on my report unauthorized. I was advised by both CSR and Supervisor that I can not dispute my inquiries with them unless I have my FTC information or police report. I submitted my FTC information to them on XX/XX/2019 as well as my report has fraud alert added and a security freeze. Also, when I was redirected and discouraged to dispute the inquiries and the concern, TransUnion told me to contact the creditors to dispute the unauthorized inquiries. However, Ive contacted only Five creditors so far and they redirected me to dispute it with the CRA. And some of the inquiries does not have an address and phone number to reach them for TransUnion to state that the inquiries are considered factual. Under FCRA section 604, Information regarding inquiries, Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insur- ance transaction that is not initiated by a consumer. My rights are being violated and want these unauthorized/fraudulent inquiries REMOVED.

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX-No phone number 3 ) XXXX XXXX XXXX 4 )  XXXX XXXX-on report 2x 5 ) XXXX XXXX XXXX-No phone number 6 ) XXXX XXXX XXXX 7 ) XXXX 8 ) XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX XXXX 13 ) XXXX XXXX XXXX 14 ) XXXXs 15 ) XXXX XXXX XXXX-No phone number 16 ) XXXX  XXXX XXXX  These hard inquiries are hindering my ability to apply for credit. When I spoke with XXXX from XXXX XXXX XXXX, she stayed that the request was submitted by man at XXXX. Again, theres no number provided. I even XXXX the number and called had no response. I am demanding that TransUnion to stop violating people rights as a consumer and fix the problem and remove these items presented and they are suppose to investigate.
Product: Credit card

I applied for a Chase credit card on XX/XX/2023 and got denied. I have the right to credit. Withholding my access to my securities is security fraud, you are violating the equal credit opportunity act and consumer credit protection act. Since you are denying me my credit, please retract my application. Thank you XXXX, XXXX XXXX Attorney in fact for XXXX XXXX XXXX
Product: Debt collection

I have filed disputes against a debt on my XXXX credit report. I have spoken to the original creditor, and I have spoken to the debt collector. Both have stated that they do not have me in their records. Both have verified that my name and social does not match, and that it is a mistake. Neither are willing to provide a letter reflecting that. Both assure me that filing a dispute with XXXX would fix the problem, but I have done this twice and no deletion. XXXX has told me that upon investigation, The collections agancy, has replied that the debt is indeed mine. I have never lived in that apartment complex. The collections agency, Procollect, has given me the run around completely. They give me extension numbers, and email addresses that dont exist. They asked me to call them back with proof that they were reporting onto my XXXX account. I hung up the phone logged into XXXX, and called them back. They stated that no one by the name I was given works at that office. It literally took less that 10 minutes. Other times I have called and they connot fine the file in question. My bank has a debt resolution company that was assigned to my case. Except Procollect doesnt accept calls from 3rd parties. In dealing with Procollect, I have been yelled at, called a liar, and hung up on. I would hate to see how people who actually have a debt are treated.
Product: Credit reporting or other personal consumer reports

I submitted a dispute through XXXX XXXX. All three credit bureaus have failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to for consumer provided evidence to furniture, accepting unreliable responses, and failing to adequately, notify consumers of dispute, outcomes. These failures align with my experience, where all three credit bureaus have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violate federal law, and my rights as a consumer.
Product: Consumer Loan

I purchased a auto XXXX/XXXX/XXXX Santander is the lender for a little over {$12000.00} after taxes and interest. I have missed a few payments and have been late, however I asked for pay off amount XXXX/XXXX/XXXX and was told I owe {$13000.00} because of interest fees and late fees. I do n't understand how I can owe more than what the loan was for, Please help.
Product: Checking or savings account

In XXXX of last year, 2021 my friend asked me to help find a XXXX XXXX car that he would like to purchase for his use. I found one with XXXXXXXX XXXX XXXXXXXX and on the XXXX of XX/XX/2021, he paid a deposit of {$2500.00} over the phone directly to XXXX XXXX XXXXXXXX from abroad. I went to XXXXXXXX XXXX  XXXX to get the Purchase Agreement on the XXXX of XX/XX/2021 for the total amount due. My friend Flew into XXXX on the same day XXXX of XX/XX/2021. 
On the XXXX of XX/XX/2021, I went with my friend to my bank, CHASE bank to speak with the bank staff. I told them my friend was going to buy a car and will be transferring large sums of money into my account. They said it was ok, that it should not be a problem. The deposits came in {$10000.00} ; {$35000.00} ; {$29000.00} and {$32000.00}. I asked for a counter cheque of {$50000.00} to pay to XXXX of XXXX which the bank issued while we wait for the rest cheques to clear, but to my surprise, the bank closed my account on the XXXX of XX/XX/2021 without any correspondence. Not a letter stating why. I went to my branch and called severally. They said they had issues with 2 deposited cheques and asked for the person who paid them into my account. I gave them the person 's number and he has confirmed the bank called him and he has given them the information they required. I thought this was going to be resolved in a couple of days. Here we are One year and 5 months, they have not released my money totalling {$65000.00}. I have had to borrow from a friend who paid the balance to purchase the car directly to XXXX of XXXX. 
I think this unfair and discriminatory
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$25000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Open Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I mailed a formal dispute letter to TransUnion via USPS certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). In this letter, I requested an investigation into inaccurate and outdated negative items, including a bankruptcy, listed on my credit report. I ensured that my identity could be fully verified by attaching a copy of my government-issued photo ID, Social Security card , and a recent utility bill with my current address. 
Despite providing all the required documentation to verify my identity, TransUnion has refused to conduct a reasonable investigation into the disputed information, as mandated under the Fair Credit Reporting Act ( FCRA ). Instead of processing my dispute as required by law, I received an email response from TransUnion XXXX XXXX XXXX, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
According to the FCRA, if a consumer disputes the accuracy or completeness of any item of information on their credit report, the credit bureau must conduct a reasonable reinvestigation. TransUnions refusal to conduct such an investigation violates my consumer rights and has left inaccurate and unverifiable information on my credit report, including negative accounts and a bankruptcy.
Product: Debt collection

I contacted I.C. Systems in XX/XX/XXXX to validate a debt that according to my report had been there since XX/XX/XXXX. I had not received anything from I.C. Systems before this account was placed on my report. I did not receive any validation. I contacted them again in XX/XX/XXXX asking for validation for a 2nd time. I.C. Systems sent me a " communications are ceased '' letter on XX/XX/XXXX claiming to honor my request to cease communication. However, No request was made. I requested validation and proof that I owe this alleged debt and that was not provided. I've sent letters to XXXX, XXXX, and XXXX, asking for this debt to be properly verified. All 3 bureaus claim to have verified the debt with I.C. Systems but I have not received anything but a bill from I.C. systems. I asked that they provide their method of verification but it hasn't been provided.
Product: Checking or savings account

Bank of America has been a pain I filed a fraud case on the account on a card I never received back in XXXX they open a claim finally in XXXX jus to deny it I gave them everything thing they needed for claim even did the research for them and yet they still dont wan na reimburse me Im a victim of fraud and its unfair yall knew since then
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 



XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A late payment is reporting on my credit report This is incorrect, I was granted a extension. 
My account is paid up and current.
Product: Debt collection

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 the company and is not a reflection of my payment experience which violates XXXXSC 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 that are reported 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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: Mortgage

We have requested SPS review this file for a short sale. SPS is refusing to do an interior appraisal/valuation of the home, even though they have been notified numerous times that the basement wall is collapsing, causing the home to cave in. The homeowners had to move out for safety reasons, yet SPS refuses to take this into consideration. Their blanket response is " the investor does n't require an interior valuation '' - yet they have n't even notified the investor of this issue. In addition, they are trying to force the buyer to pay for title insurance - which is a seller fee! Each state has different rules and in Michigan the seller pays this fee. They, again, refuse to clarify this with the investor on the loan and are delaying the file.
Product: Credit reporting or other personal consumer reports

I am having issues with getting my information updated with Transunion. I have tried to call the phone numbers provided and provide information and all I receive in response is the fact that I am a victim of fraud. But none of the information changes, updated or is fixed. I am a natural person and I have the right to have my information accurate and correct. Please help me to get this information updated as soon as possible. 
There should be only XXXX name and XXXX address listed on my personal credit profile. 

I am again providing my proof of residence. 
Current valid State issue identification
Product: Credit card

The complaint is about Chase Slate Visa credit card. Opened the card based on the Chase advertising for a 0 % Balance transfer for XXXX billing cycles. I called the credit card customer service and requested a transfer to my personal checking account. I was told that the transfer not allowed to checking accounts despite no restrictions were listed in the customer agreement and the customer service supervisor could not point to anything in the Chase credit card disclosure that states that. I want other consumers be aware of a false advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I tried to purchase multiple online items at various stores ( XXXX, XXXX XXXX, XXXX, etc. ) and they all decline this card and I had verified that the full balance is available. It is basically useless.
Product: Debt collection

i have contacted jefferson capital syst for a debt validation letter so many times but they did not provide it to me. then i received a letter from another third party named XXXX XXXX who said to be representing this same debt. i requested for debt validation again but none was sent to me. this matter is confusing as this looks suspicious. different companies contacting me that they are representing another third party company. i do not recognize any of this so i am asking them to stop contacting and delete this off my report.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

date XX/XX/2020 inaccurate address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX accurate address for that date to present is on report : XXXX XXXX XXXX, XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account XXXX # XXXX was properly investigated The Credit Bureaus never did a proper " investigation '' according to the FCRA XXXX 

The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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
Product: Debt collection

Enhanced Recovery located at XXXX XXXX XXXX, XXXX FL. XXXX states that a Debt from XXXX and XXXX XXXX. I never received any Debt Validation letter FDCPA XXXX - XXXX - XXXX XXXX, I did not receive any statement of the account/payment history/signed contract from the creditor. This debt is not owed. I would like to file a complaint against Enhanced Recovery as they have in error posted on XXXX, XXXX XXXX, and XXXX negative information that is not correct. In addition, I would like to request all negative reporting to be removed from credit bureaus.