23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The public record information TransUnion is including in my credit file related to an alleged bankruptcy is inaccurate, incomplete and not verified, and has been in full dispute for over two months. I have sent four letters to TransUnion, all by certified mail, requesting that they remove the inaccurate and incomplete public record information from my file and they have failed to do so. 
I disputed accuracy and completeness of this public record on XXXX/XXXX/16, TransUnion claims it verified XXXX/XXXX/16, however the record lists a County courthouse address, not Federal Bankruptcy Court, and lists a disconnected phone number. I requested investigation details from TransUnion on XXXX/XXXX/16, TransUnion sent a letter on XXXX/XXXX/16 describing their investigation procedure. No contact name or documentation was provided. I sent a third dispute letter to TransUnion on XXXX/XXXX/16 with a copy of a letter from the US Bankruptcy Court stating they do not report any bankruptcy filings to any credit reporting agencies. The information in the record in plainly inaccurate. The address they claim for the US Bankruptcy Court is the address for the XXXX XXXX XXXX County Courthouse, not the US Bankruptcy Court, XXXX XXXX of California, XXXX. This fundamental inaccuracy calls into question the accuracy and completeness of the entire record. I maintain the record is inaccurate and incomplete. 
In TransUnion 's letter dated XXXX XXXX, 2016, they claim to have verified the information in the record and identified the provider of the information as XXXX FEDERAL COURT XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX. They are falsely claiming a California XXXX Court verified the details of a Federal Bankruptcy case. Further, in XXXX, the court ruled that a credit reporting agency ca n't claim a court or government agency verified information simply because they do n't do it, and they would be the only party qualified to make a verification regarding this alleged bankruptcy, and they did not verify. 
The Office of the Clerk of the Court, United States Bankruptcy Court, XXXX XXXX XXXX California, has provided me with a written statement indicating they neither furnished the information nor verified the information as TransUnion has claimed. I have provided TransUnion with a copy of a letter from XXXX XXXX XXXX, of the Office of the Clerk of the Court, stating, " The United States Bankruptcy Court, XXXX XXXX of California does not report any bankruptcy filings to any credit reporting agencies. '' TransUnion is providing inaccurate and incomplete provider information in response to my request under the Fair Credit Reporting Act. I requested verification information pursuant to Section 611, paragraph ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act. In TransUnion 's reply dated XXXX XXXX, 2016, they failed to provide ( b ) the correct name of the courthouse ; ( c ) the person 's name they verified the dispute with ; ( d ) the correct address ; ( e ) the correct telephone number ; and ( f ) the documentation used to verify the dispute.
Product: Debt collection

This Debt For XXXX allready went to court and garnished my wages until it was completly paid off. this is not a debt on my credit anylonger and this needs to be investigated as i dont appreciate them tryting to collect again. XXXX  reference number XXXX
Product: Checking or savings account

I opened a new checking account with an advertised bonus of {$200.00} after {$500.00} direct deposit. I received a {$500.00} direct deposit on XX/XX/2020. To date, as of XX/XX/XXXX, I have not received the {$200.00} bonus.
Product: Credit card or prepaid card

Did a pre approval application on the Discover It card & this counted as a hard inquiry against my credit score. Im in the process of repairing my credit & was looking for an additional line of credit to add to my profile, this was not supposed to be a hard pull per the website because it used the last 4 of my SSN
Product: Credit card or prepaid card

I got a call XX/XX/XXXX from chase notifying me that my card had fraudulent activity. While I was on the phone I was told someone was still trying to use my card at the same time I was starting a claim and reporting my card as lost. I realized that I must have left my card at a restaurant that I visited a couple days prior to the charges. 

My card was charged on XX/XX/18 {$400.00} from XXXX in XXXX XXXX And {$2.00} from a vending machine in XXXX XXXX Initially the charges were credited to my account and I thought it was over XX/XX/2018 the credit was reversed for the charge of {$400.00} investigation noted that I told the claims department that I had my card on me during the charges but I never told them that. I received another credit XX/XX/2018 the credit was reversed for the charge of {$400.00} investigation noted that because my card had a chip the claim was denied. I received another credit after 3-5 days of reopening the claim. 

XX/XX/2018 the credit was reversed for the charge of {$400.00} investigation noted that because my card had a chip the claim was denied. I received another credit after 3-5 days of reopening the claim. I do not know where they got the information that i had my card because I did not. 

I tried calling XXXX the customer service and also the store but they were not able to help me. They told me they could not retrieve transactions from the past. 

XX/XX/2018 I received another reversal charge of {$400.00} spoke to the claims departments once again and was told that they will reopen the claim and have someone contact me at this point I am livid because not once did they reverse the charge of {$2.00} that was apart of the same claim. I am ready to close this account because they are not even trying to investigate what happened back in XXXX.
Product: Debt collection

I am being charged for an alleged debt, and I never entered into a contract with Absolute Resolutions Corporation. They are harassing me by communicating with me electronically using the medium of credit reporting agencies and reporting my social security number to these agencies as well. These acts are severely prohibiting my ability to access my own credit.
Product: Checking or savings account

Truist Bank closed my business and personal accts. on XX/XX/year> without my knowledge. I received an email stating I had been unenrolled from wire transfers. When I called on XX/XX/year> to find out why, I was informed the accts. were closed due to fraudulent activity. When I asked what was done fraudulently I was given an XXXX XXXX  & case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called and spoke to XXXX who told me they had been closed because I had XXXX wire transfers to come into the business acct. and I transferred the both money wires to another bank closer to where my business is located so I could go into the bank, where I also have a business acct., to manage the money. I explained that I have a nonprofit business license with the state of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and a XXXX for XXXX XXXX  and I do some trading to finance the nonprofit business I just started on XX/XX/year>. I told her I could verify all wire transfers that have gone into my acct., where they came from and where the money went. She sent an appeal on my behalf to the XXXX dept. and I received a call back from that dept. within an hour stating the accts. will remain closed. 

There was no proof of fraudulent activity and everything Ive done with my personal and business account has been legal according to XXXX and XXXX laws. So to close these accounts and claim fraudulent activity with no proof is defamation and discriminatory. A bank has the right to investigate funds that enter into my accounts but no right to tell me how to operate my legal business. 

The same thing was done to another small business owner by Truist Bank, whom I know personally and I can provide proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit reporting companies have not removed very old debt from my report ... I hired places to resolve this but to no avail .. all old debt is more than 7 yrs old and affecting my life ... thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I beilive that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; must be updated to reflect accurate information on my Credit File.
Product: Debt collection

Upon checking my credit report, I identified multiple accounts that I do not recognize and suspect are fraudulent. Please block and delete these entries immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have experienced a pattern of Credit Inquiries from the following corporations. These inquiries are having an adverse effect on my credit score. Is there a legal, logical reason these companies can make multiple inquiries? How do I make them stop? I can not freeze my credit right now and I have submitted a request for a credit report from all three bureaus. I tried very very hard to access XXXX. I do not know whether it is me, my computer, the ISP  ( XXXX XXXX ), but it is impossible to contact anyone there. I have included the dates they pull credit. Most are once per month, some are twice! 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Comenity XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX My score was in the 800s a few years ago. Is it because I am XXXX, middle aged, retired or is it in retaliation for political affiliation? This is clearly an all-out attack by special interest and the government. My cell phone has been ported out, my identity stolen in the past and now I am experiencing multiple technical and financial attacks. Last week, my bank account was breached and money was stolen by XXXX. I sent the bank the email headers and they are investigating it. XXXX, XXXX and XXXX have flooded my emails with bugs, viruses, phishing. My ISP and XXXX are manipulating my websites and blocking them saying I have DNS errors. I have documented all of these events dating back to XXXX. Can you help? Can you point me in the right legal direction? I can not stand much more. Thank you, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under USC 1681. I have the right to privacy according to 15 USC 1681 section 604 ( a ) ( 2. ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit. If not removed, I plan on seeking legal action against your company.
Product: Payday loan, title loan, or personal loan

I received a loan for XXXX dollars. payments were XXXX until paid off. on the XXXX payment, i called them and they stated i had XXXX payments left and my current balance was XXXX dollars ( XXXX more than my original loan, after paying XXXX off, just XXXX weeks after getting the loan. I was told the interest rates accrue every single day and there is nothing i could do about it. Now i can not stop the charges from hitting my accounts.
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; US Department of Education : account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00}, and XXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/XXXX XXXX {$270000.00}.
Product: Credit reporting or other personal consumer reports

I submitted police report, Federal trade Commission Complaint, and now you all the CFPB complaint, to no avail. Also I submitted account number, amounts, and when the accounts were opened.
Product: Credit reporting or other personal consumer reports

These accounts will mot remove after so many disputes i have nothing to do with these closed accounts
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Disputing the XXXX status and date validation XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit card or prepaid card

I purchased 2 visa gift cards from XXXX XXXX on XX/XX/2021 in the amount of {$100.00} each ( {$200.00} ). My grandchildren registered the cards online and seen there was a {$0.00} balance. I called XXXX and, first of all ), they kept me on hold for over 90 minutes, then they said they have to go to us mail to send fraud form for grandkids to fill out. They never got them. So I had to call them ; wait again, and they said they can not talk to me because the cards are not in my name, so I had to do a XXXX call for them to authorize me to speak on their behalf. They said I had to send a letter for each card explaining what I think happened, etc. So I faxed it to them and when I called back, ( wait AGAIN ), they say I have to verify card before they can speak to me. I asked to speak to a manager and I waited for over 30 min and never did get a hold of manager. All they do is give me the run around... big time!! I have NEVER had such bad customer service in my life, on top of loosing {$200.00}!! Someone has to do something about this customer service and their fraud process!! This is the most unprofessional company I have ever had to go through ... utter nightmare!! Also, spoke to a XXXX XXXX supervisor about this because I purchased there ; he stated he is going through the exact same thing with this company... crazy!
Product: Debt collection

Hello, I'm seeking you out today in regards to AFNI COLLECTIONS. 
This company has been calling me and harassing me to pay a debt i do not owe. 
I have asked them several times to stop calling me and to take me off their call list. My wife and I are in the process of becoming 1st time homeowners and i'm worried that if this issue is not resolved i will not qualify for a mortgage loan. Afni has not mailed me any documentation pertaining to this debt. I have mailed them a certifed debt vaildation letter request and they have not mailed me anything back yet. On XX/XX/2020 i spoke with XXXX, who stated if i didn't pay this debt of {$170000.00} that they would call the DMV to suspend my license. I do not believe they have been using fair communication tactics.

My wife is XXXX  and this is causing so much stress because we want to welcome our XXXX  in a home of our own, but this is currently hurting my credit and driving priviliges. 

Please let me know how you can help to resolve this issue. 
XXXX Bless!! 

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # 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 was a victim of identity theft I receive a copy of my credit report and notice an item that didnt belong to me I quickly notified my bank and had them to freeze all my accounts until further notice
Product: Credit reporting or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XXXX XXXX XXXX  Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XXXX XXXX XXXX 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 am a victim of identity theft and the following accounts are not my responsibility XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Product: Credit card or prepaid card

My first progress account is reporting the incorrect balance and updated outside of my statement cycle date I had a balance of {$0.00} on my statement date and it reported however on XX/XX/XXXX it updated with the credit bureau a balance of {$760.00} outside of my report date I am closing on a home in the next week and this had my my score drop 13 points
Product: Mortgage

Tried to make an additional {$1000.00} principal payment online but was denied. Message came up that you must first pay PREVIOUS MONTH Payment first. Today is XX/XX/XXXX, previous month was paid in full on XX/XX/XXXX. Previous month is XXXX!!! Asked to speak with customer service supervisor. She said I was on a recorded line, I told her she was on a recorded line as well She said she had to hang up on me, and she did. I asked her for information on corporate office at Suntrust and she hung up on me. I consider that a breach of service commitment by SunTrust. 

All of my previous loan servicers allowed me to make additional principal payments without any restrictions. 

SunTrust is in breach of service as my mortgage servicer by failing to provide me with information necessary to me in conducting financial transactions.