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

Subject : Formal Complaint Regarding Improper Reinsertion of Deleted Account XXXX XXXX XXXXXXXX Dear CFPB Representatives, I am writing to file a formal complaint against TRANSUNION for the improper reinsertion of a previously deleted account into my credit report. The account in question is XXXX XXXX XXXX, which was removed following a successful dispute and has now been reinserted without complying with the requirements set forth under the Fair Credit Reporting Act ( FCRA ). Details of the Violation : 1. Failure to Provide Required Notification : Under FCRA Section 611 ( a ) ( 5 ) ( B ), credit bureaus are required to notify me in writing within five business days of reinserting any previously deleted account. I have not received any such notification regarding this reinsertion. 2. Lack of Verifiable Documentation : The FCRA also mandates that any reinsertion must be supported by verifiable documentation from the information provider. To date, no such documentation has been provided to me. 3. Violation of Data Accuracy Requirements : Under FCRA Section 623 ( a ), information furnishers are required to ensure that all reported data is accurate and complete. In this case, the information appears to have been reinserted without proper validation or correction. 4. Failure to Meet Permissible Purpose Requirements : Under FCRA Section 604, all information included in a credit report must meet a permissible purpose, as well as be valid and relevant. The reinsertion of this account does not comply with these provisions. 5. Lack of Transparency : Under FCRA Section 609 ( a ), I am entitled to receive all information used to justify the reinsertion, including details of the source that provided the information and any proof of validation. This information has not been disclosed to me. Personal Impact : The reinsertion of this account has negatively affected my credit report, lowering my credit score and limiting my ability to access financial products. Additionally, this situation has caused undue stress and inconvenience due to TRANSUNION failure to comply with the law. Requested Action by the CFPB : XXXX. Investigate the improper reinsertion of the account XXXX XXXX XXXX. XXXX. Require TRANSUNION to immediately and permanently delete the account from my credit report. 3. Ensure strict compliance with the FCRA, including the obligation to notify and provide verifiable documentation before any future reinsertion. 4. Take corrective actions against TRANSUNION to prevent such occurrences in the future. I have attached copies of relevant documents, including : A copy of my current credit report showing the reinserted account. Previous correspondence related to the dispute of this account. Evidence that the account was previously deleted. I appreciate your attention to this matter and look forward to your prompt response and resolution. I am available to provide any additional information needed during your investigation. Sincerely : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experians Failure to Remove Inaccurate Personal Information from My Credit Report I have repeatedly requested Experian to remove incorrect personal information on my credit report, including over 8 inaccurate names and two incorrect addresses. Despite submitting these requests and providing supporting documentation to demonstrate these errors, Experian has failed to correct the information. I only have one name : XXXX XXXX XXXX and XXXX address : XXXX XXXX XXXX XXXX XXXX, XXXX, NEW YORK XXXX every other name and adress is wrong. 

List of Inaccurate Information Being Reported : XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Over 8 names incorrectly associated with my credit file.

Two addresses where I have never resided. 
Experian has failed to fulfill their obligation under the Fair Credit Reporting Act ( FCRA ) to investigate and correct inaccurate information in my credit report. This neglect is causing harm to my creditworthiness and creating confusion for

creditors who may rely on this inaccurate data. 
This incorrect personal information has created unnecessary obstacles in managing my credit profile and has potentially led to erroneous associations with accounts or activities that are not mine. 

Fair Credit Reporting Act ( FCRA ) : Section 609 : Guarantees consumers the right to accurate personal information on their credit report. 
Section 611 : Requires credit reporting agencies to investigate disputes promptly and correct or delete inaccuracies within 30 days. 
Experian has failed to meet these obligations despite my repeated disputes and evidence provided.
Product: Student loan

XXXX XXXX received funds during terms when I didnt actually attend any classes between XXXX. I also saw that refunds were issued that I did not receive.
Product: Credit card or prepaid card

XXXX has on their website that users of the XXXX card ( which I have ) get XXXX points per dollar spent on XXXX purchases if you use their special " affiliate '' link. So, every time I shop on XXXX, I make sure to click that link. Eventually I noticed that almost none or very few bonus points would show up. 

I have called XXXX, they told me to wait a month. A few months go by and still no points. I call again, and they tell me to call barclay card. I call barclay card and they tell me that I need to call XXXX. I call XXXX, they tell me I need to call XXXX. 

It has been months and I still do n't have a resolution. In addition, XXXX customer service reps have been incredibly rude about this and say things like " maybe you do n't know how to do it correctly ''. 

I spent over {$32000.00} on the card in a few months and the fact that I am treated like this is a joke. I am about to cash in my points and cancel my card, my XXXX service and never use barclay card or XXXX again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report. I keep on asking you to delete this yet you keep on ignoring my request! I'm looking forward to your quick response on this matter. Thank you. 
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 sent requests to Experian, XXXX and XXXX in XX/XX/2023, XX/XX/2023 and XX/XX/2023 requesting that they remove all other names and address on my account except for my legal name of XXXX XXXX XXXX or XXXX XXXX or XXXX XXXX XXXX and my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I attached a current bill and my current drivers licensee and a copy of my social security card each time. 

I requested the information to be corrected as per The Fair Credit Reporting Act requires credit bureaus to remove inaccurate information from credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my job as a nurse due to downsizing. I contacted my bank USAA which I had a personal loan through. I was guaranteed that if I make my late payment on XX/XX/XXXX or before I will not be reported for missed payment. I made my payment over {$1000.00} on XX/XX/XXXX and they still reported me. Nothing but greedy liars.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports both my birthdate and SSN incorrectly after electronically submitting dispute and documents as proof. This account with XXXX was proven as inaccurate and falsely reported by the opposing CRA of XXXX and XXXX XXXX. 
XXXX briefly deleted the account but reposted the debt under another collection agency 's name. 
The account has been proven inaccurate with all three ( 3 ) CRA.  XXXX, like XXXX, disregards the inaccuracies. Both seem to disregard the law and consumer rights.
Product: Credit reporting or other personal consumer reports

Accounts were added to my Equifax, accounts Ive never seen or opened myself before. I have several security freezes in place and when my credit is ranned before approving or denying I suppose to receive a alert or a phone call of confirmation by either the credit department which ever 1 is being requested for my information. I never received a alert never was notified that my credit report was even requested or approved or denied for anything.Ive requested documentation and opening documents agreements and things bearing my signature nothing has been produced
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting a collection/chargeoff on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XX/XX/year> : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 account : XXXX XXXX XXXX under account # XXXX, An collection Account under MBA LAW : Account number # XXXX, Another collection account under XXXX XXXX XXXX : Account # XXXX, collection, INQUIRY : XXXX XXXX XXXX, INQUIRY : XXXX XXXX ; These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. CAP ONE {$160.00}, XXXX {$0.00}, XXXX XXXX {$10000.00}, and XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted three certified dispute letters to the three credit bureaus disputing two unverified accounts appearing on my credit reports. The two items in question on my credit reports are, XXXX XXXX XXXX and US Dept Of Veterans Affairs. In the prior responses from the credit bureaus they were all basically stating the statuses reported were " accurate or verified. '' On XXXX XX/XX/2019, I submitted the fourth and final dispute letters to the credit bureaus prior to submitting this complaint to the CFPB. 

I received a response from XXXX  and Equifax in the mail around the XXXX of XXXX, a credit report from XXXX  and a letter from Equifax ( I misplaced the letter and it is not include in this complaint. ) I received the response credit report from XXXX XXXX on XXXX XX/XX/2019. But, all the letters are typically stating the items were verified as accurate. I find that assertion to be inaccurate due to the fact that under the FCRA, the credit bureaus are required to have a copy of the original creditors documentation on file to verify the information on my report is mine and correct. 

In the investigative results from the credit bureaus, they stated in writing they " verified '' the items were being " reported correctly. '' Who verified these accounts? I have not been provided a copy of ANY original documentation ( a contract with my signature on it ) from any of the disputes I sent to the three credit bureaus! This is a violation of Federal Law under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A. ) The credit bureaus have also failed to provide me the method of verification as required under Section 611 ( a ) ( 7 ).

The law is very clear in that the credit bureaus are required to " promptly DELETE all information which can not be verified, as per Section 611 ( 5 ) ( A ) of the FCRA.
Product: Credit reporting or other personal consumer reports

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/XXXX, my Citibank Visa anywhere Costco card was fraudulently charged for $ XXXX. I reported the fraud charge when the charge showed up on the Citi cards App on XX/XX/XXXX. Initially thought i had the credit card with me But after the fraudulent charge showed on the App, i realized that i had lost the card. 
Citi bank denied the fraud ( XXXX called me on XX/XX/XXXX ) & told me to contact the merchant. I told her that i don't recognize the merchant or the charge so how can i contact the merchant? 
Call the Citi bank the next day & talked to XXXX XXXX XXXX ( supervisor ) who advised me on XX/XX/XXXX to open a dispute case - XXXX PST & asked me to file a police report and open a dispute case. XXXX looked up the merchant and there is no telephone listed for the merchant & gave me the address of the merchant which was listed. 
I filed the police report # XXXX at XXXX XXXX XXXX XXXX Tel # XXXX ) and opened a dispute case # XXXX with Citi bank. Police Report details were provided to Citi bank representative XXXX on XX/XX/XXXX at XXXX PST. I was told that it can take two billing cycles or more to resolve the dispute case & to call/look for update on Citi cards App after two months. 
Meanwhile I paid the credit card bills which included the $ XXXX charge. 
I called them for dispute status on XX/XX/XXXX ( talked to XXXX, XXXX, XXXX XXXX and was told that it would take another 2 to 4 weeks. 
Called the Citi Bank XXXX XX/XX/XXXX XXXX PST & talked to XXXX XXXX Dispute Dept ) & explained the whole scenario and was told it would take another 2 weeks. 
Called Citi bank on XX/XX/XXXX XXXX PST, talked with XXXX XXXX Dispute dept ) and XXXX Supervisor and explained the whole scenario. 
Received an email from Citi bank on XX/XX/XXXX that said that they can not open a dispute for this transaction as its more than 60 days old. 
Called Citi bank on XX/XX/XXXX XXXX PST- requested the case be escalated & talked to XXXX ( manager ) and explained the case again. She said that she would ask the XXXX who is the investigator on the case to call me on Tuesday XX/XX/XXXX. But i have not received any communication from the investigator as of today XX/XX/XXXX. 
I have run out of options with Citi bank and would like to file a formal compliant with CFPB to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a request for validation to the debt collector ( XXXX XXXX XXXX ). On XX/XX/XXXX they sent me a failed debt validation. The letter they sent was written in Spanish which I do not speak and I have never sent any communications written in Spanish. So assume this was a delay tactic used so that I would not understand that this is an incomplete validation. The letter was missing a few points of key information such as my signature on a contract or official document stating I am the bearer of the debt. How much was paid to acquire the debt. They have also not provided whether XXXX XXXX XXXX are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address, and telephone number of the state agency issuing the license. If XXXX are contacting me from outside my state, provide the licensing information from your state as well. If this information is not provided to me by XX/XX/XXXX which is the deadline to the 30 day validation window then I would like Experian to take the collection off my credit report as is my right under the Far Debt Collection Practices Act. ( FDCPA )
Product: Debt collection

I am writing to address the late payments that are currently listed on my credit report. After reviewing my credit history, I have noticed that there are several instances of late payments reported for the following accounts XXXX XXXX XXXX and XXXX  XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX reported information about a dismissed bankruptcy on my credit report which reads {$0.00} and I asked them where they got this wrongful information from? They said the court house provided them the information, but the court house stated they never shared any information with any credit report agencies. They also mentioned that they do not ever report to the credit bureaus. It has been on my credit report since XX/XX/year> XXXX has failed to provide adequate information on how these items were verified, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent XXXX XXXX XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 at XXXX XXXX  I sent certified mail written communication to EQUIFAX dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 609, FCRA 611 ( a ) ( 6 ) and ( 7 ) in compliance with FCRA 607 that Equifax used to verify all data for each listed account in an effort to avoid violations under FCRA 605. I received communication from Equifax on XX/XX/2020 dated XX/XX/2020. Out of 20 requests for verification of accounts. Only 1 item was deleted. I requested for Equifax to substantiate the information of verification pursuant to FCRA. I requested a detailed explanation of the specific method of verification. They did not provide me with such. Furthermore, on XX/XX/2020 I sent a second certified mail written communication to Equifax dated XX/XX/2020. requesting verification to substantiate information that is being furnished to them. The statutory 30-day has passed and I have not received communication from EQUIFAX. FCRA requires EQUIFAX to clearly and accurately disclose all information contained in my file at the time of my request pursuant to FCRA 609, such as my signature on an application, Agreement to such terms, and any other physical documentation EQUIFAX received and used to verify the information being reported and maintained in my file. Equifax must verify THE validity of every notation, dates, balances, required certifications, and the purposes certified for the use of my information as required, and any other possibility of fraud, identity theft, or other related crimes and are reporting incomplete information. The accounts must be complete and accurate or promptly deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ) ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXXXXXX XXXX XXXX & XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX : XXXX XXXX, XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I got a new phone number at work, and Portfolio Recovery is spam calling it every day. I do n't have any debt, and I want them to stop calling. 

I have submitted multiple complaints and they close all of them claiming I have n't given my phone number so they ca n't check on it. PLEASE VIEW PHONE NUMBER ON THIS COMPLAINT AND STOP CALLING IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Balance account paid no charge off or balance owed.