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

This is absolutely unacceptable. I have been disputing these fraudulent accounts with TransUnion for over a year, yet they are still on my credit report. I have repeatedly provided clear, documented evidence proving that these accounts were opened fraudulently, without my consent. Despite this, TransUnion continues to ignore my rights, disregard the law, and refuse to correct my credit file. I have already submitted a police report, an FTC Identity Theft Report, and formal disputes all of which explicitly prove these accounts are fraudulent. XXXX and XXXX immediately removed these accounts upon review, yet TransUnion refuses to act. This raises a serious and disturbing question : Why is TransUnion deliberately refusing to follow the law? Under 15 U.S.C. 1681e ( b ), TransUnion is legally obligated to ensure maximum possible accuracy in credit reporting. Instead, it continues to report false and damaging information, blatantly violating my rights. Furthermore, under 15 U.S.C. 1681b ( 2 ), a consumer report may only be furnished with the written instructions of the consumer. I never gave TransUnion permission to report fraudulent accounts in my name. TransUnion is willfully disregarding federal law and acting in bad faith by keeping these accounts on my report. This is not a simple mistakethis is negligence and noncompliance at its worst. At this point, I have no faith that TransUnion is conducting any real investigation. Instead, it relies on automated responses and fails to manually verify the accuracy of the data it reports. I demand a proper, thorough, and immediate investigation, not a generic response or another empty excuse. If TransUnion can not prove these accounts were legitimately opened by me, they must be deleted immediately. This situation has already caused severe financial harm, unnecessary hardship, and emotional distress. Because of TransUnions refusal to correct my file, I have been wrongfully denied credit opportunities and am unable to move forward with my mortgage process. This is beyond frustratingit is outright damaging. If TransUnion fails to correct this issue immediately, I will pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful and negligent noncompliance. I will seek full damages for the financial and emotional suffering caused by TransUnions reckless disregard for my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

im a victim of identity theft and ive been unable to resolve all this with the companies under my credit report theyve refused to remove this off my social security number i know my ssn is out right now being freely used and all i want is a new SSA. i dont have a bad ccredit score this isnt an attempt to escape my debt, in fact i dont have any debt i just have a lot of fraudulent accounts i never opened under my credit report. my name is XXXX XXXX XXXX my dob is XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX has violated my rights. 1 5 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 ins tructions
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted XXXX on or around XX/XX/XXXX regarding incorrect information on my report ( false addresses, et cetera ). It has been over 30 days since, so the dispute has expired off their website, so I can not accurately relay to you everything I disputed. I have had this problem with all three companies ( XXXXn, Equifax and XXXX ) regarding addresses I have NEVER lived at before, hence when I answer personal questions to verify my identity, it asks me things that I have literally no way of knowing. This is why I have tried correcting the addresses on file. 

XXXX proceeded to send me an amended credit report to AN OLD ADDRESS. The only way I KNOW of this is that my brother still happens to live there. I have not lived in that house in over ten years. 

I have the same problem with XXXX. They have incorrect addresses on file, some that are just outright nonexistent, and when I tried correcting the issue, the only thing they were able to do was remove the nonexistent ones. They corrected the ones that were wrong, but they did not change my current address. I tried to buy a XXXX XXXX through XXXX XXXX site, and they verify credit through XXXX. I only know this because it did not work with my current information, but when I utilized the WRONG information listed on XXXX, it verified my identity on XXXX XXXX site. I have tried to explain that the addresses they have listed are in the wrong order, and are completely incorrect in terms of my timeline for living in them. They still think I'm living in Florida, in my very first apartment there, from ten years ago. It should also be said that due to their incorrect address information, I am unable to pull my credit report from them online due to incorrect questions being asked. There is no conceivable way I know the answer to half of them, hence I must've gotten one wrong at some point because it has now locked me out of accessing my credit report any other way than to mail things in. It is incredibly infuriating. 

With Equifax, my credit report with them is literally the shortest-lived report of all three. They have barely any information to give me, and when companies try to pull my credit, Equifax refuses to come up. I have checked multiple times to see if there is a freeze or a fraud alert on my account, and as far as I can tell there are neither. I even went so far as to FAX IN MY INFORMATION to those XXXX because they demanded it to verify my identity by phone and give me any further information, and those pieces of XXXX claim they never got my fax. I had to spend a dollar per page, three pages, just to fax something to them, and they LOST MY XXXX INFORMATION. It seems to be a trend with Equifax, I guess. My husband and I are trying to buy a home, and so our credit is having to be checked. Fortunately they can pull two of three up for me, but even so, the fact that Equifax just adamantly refuses to pull for me is concerning. I can not make heads or tails of it and NO ONE there is willing to help me at all. It is the most aggravating feeling, feeling like someone is holding my entire existence hostage.
Product: Credit reporting or other personal consumer reports

According to the FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNTS YOU POST ONA A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL, OR EMAIL IN A FRADULENT ACCOUNT. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  ACCOUNT NUMBERS : XXXX XXXX HAS VIOLATED MY RIGHTS. 

15USC1681 SECTION 602 ( A ) STATES I HAVE A RIGHT TO PRIVACY.

15USC1681 SECTION 604 ( A ) STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXXdata breach and may have got into the hands of the wrong person.
Product: Credit card

I have been an American Express customer in good standing since XXXX. On XX/XX/XXXX I applied and was approved for an American Express Platinum credit card. I applied for this card because of the bonus points offered by American Express for opening this credit card, which were XXXX points after spending {$8000.00} in the first six months after account opening or XXXX points after spending {$8000.00} in the first three months after account opening. As of XX/XX/XXXX ( XXXX XXXX months ) I had spent $ XXXX. 

On XX/XX/XXXX I contacted American Express about another matter and also asked about my bonus points at which time I was told I was not eligible for a bonus. I asked why I wasnt eligible and why I wasnt informed of that and was told that I would have gotten a message when completing the application ( though they said they were not sure how large the type size was ) and that I chose to apply anyway. I absolutely did NOT get a message during the application process as the bonus points were the only reason I applied for a credit card with a {$690.00} annual fee. I feel this is a bait and switch on the part of American Express and feel that I should be awarded the bonus points as I could have used that spending towards other rewards, rather than just now finding out Im not eligible for the bonus points.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Several attempts to work with XXXX XXXX  regarding inaccurate charges on my account they are refusing to remove late payments from credit report, although the account was closed before the charges took effect. I have paid whatever debt they claimed I owed and as a very loyal customer asked them to remove the late payments as the account has never been late and at the time of these " ALLEGED '' charges the account was closed. I have contacted XXXX and the credit bureaus several times regarding this matter with no success. At this time I am fed up and would like to exercise my rights to involve the attorney general and notify you all of these shady practices.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/2019 I let someone use my phone to make a call and they sent money to their self from my account I contacted the company ( Cashapp ) but they keep trying to avoid the issue.
Product: Credit reporting or other personal consumer reports

I do not owe this amount. I went to court and they just asked for possession. I gave over possession of the property with no money owed.
Product: Credit reporting or other personal consumer reports

Dear Credit Credit Bureaus, I am writing to express my deep dissatisfaction with the handling of my disputes regarding two accounts that I strongly believe to be fraudulent and the result of identity theft. The accounts in question are XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX XXXX 

Despite multiple attempts to bring this matter to your attention, I have yet to see any meaningful resolution. I have repeatedly requested information under UCC 11 to validate these accounts, but to no avail. It is deeply concerning that despite my efforts, these fraudulent accounts remain on my record, in clear violation of federal laws. 

Furthermore, I have submitted an affidavit of identity theft, providing clear evidence of the fraudulent nature of these accounts. However, it appears that this important documentation has been disregarded, and a proper investigation into the matter has not been conducted. This failure to address my concerns could potentially lead to legal repercussions, and I am deeply troubled by the lack of action on your part. 

I am formally requesting that these fraudulent accounts be promptly removed from my credit report, and that all necessary updates be made without further delay. Enclosed with this letter, you will find a copy of the affidavit of identity theft that I previously submitted for your reference. 

Please be advised that this is my final attempt to resolve this matter amicably before considering taking legal action. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to pursue all available legal avenues to ensure that my dispute is handled properly and in accordance with the law. 

I urge you to take immediate action to address this situation and rectify the errors on my credit report. I expect a prompt response within [ specify a reasonable timeframe ] confirming the removal of these fraudulent accounts. 

Thank you for your attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX Enclosure : Affidavit of Identity Theft Social security number Lease with address
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX Information Services , Inc. 
XXXX XXXX  XXXX XXXX, GA XXXX RE : XXXX XXXX Report # XXXX XX/XX/XXXX, Dear Equifax , This letter is a second request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. the United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. 1983 ). 
The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate item. 
XXXX XXXX XXXX XXXX XXXX $ XXXXAlleged Debtor : XXXX XXXX I hereby request you to make the changes within 30 days to avoid any Violation of the FCRA. Please send me a copy of the changed credit report at the earliest convenience. 
XXXX XXXX v. XXXX, 534 U.S. 19 ; 122 S. Ct. 441 ; 151 L. Ed. 2d 339 ( 2001 ). 
- Under the Fair Credit Reporting Act, the statute of limitations generally begins on the date the liability arises, not when a party knows or has reason to know that he was injured. An exception occurs when the defendant " has materially and willfully misrepresented any information required under this title [ 15 USCS 1681 et seq. ] to be disclosed to an individual and the information so misrepresented is material to the establishment of the defendant 's liability to that individual under this title [ 15 USCS 1681 et seq. ] '' The statute of limitations runs for two years after the discovery of the misrepresentation. 15 USC 1681p Fair Credit Billing Act ( 15 U.S.C. 1601-1666 ) Its purpose is " to protect the consumer against inaccurate and unfair credit billing and credit card practices sincerely, /s/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against LEXIS NEXIS. My information used to obtain medical, housing, and surprisingly a TAX LIEN. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a joint chapter  7  bankruptcy on  XXXX   XXXX ,   XXXX   with my spouse. That bankruptcy was discharged on  XXXX   XXXX  of   XXXX  . My credit report with   XXXX   is still not reporting any information on my bankruptcy. It is not even showing that I filed. But, it 's showing correctly on my husbands report. I contacted   XXXX   and was told they are just a credit monitoring agency and they do n't make any updates to the report. Since  XXXX  of this year, I have spoken to at least  8 dif ferent reps. Toda y (   XXXX   XXXX  ) after my husband viewed his report, it showed that  Lexis Nexis  was the vendor that was reporting this information to  XXXX . I talked to  XXXX  with lexis nexis today (  XXXX   XXXX   )  at  XXXX  CT. She told me that they were the public record vendor for    XXXX  .  She also told me that lexis nexis is reporting  MY  bankruptcy information to   XXXX  , but   XXXX   is not obligated to report any information about my bankruptcy on my credit report. She directed me to call  XXXX . So I called  XXXX  again today and spoke to  XXXX  at  XXXX   XXXX   XXXX  told  me  it 's the courts responsiblity to report my bankruptcy information to the court. I confirmed with the bankruptcy court, they do n't report anything to credit bureaus, the bureaus have their own vendors where they get that information from. I asked  XXXX  if there was another department or someone who was more knowledgeable about the situation, he said everyone there would say the same thing and they have the same information that he has, so he could n't transfer me. I 've been trying to get this information updated for 2 months now. Now I know they have this information, but are just refusing to report my bankruptcy. Not only that, but they told me I could dispute all of my debts, but even if all of my creditors report my debt as  discharged  in bankruptcy, my credit report will never update to reflect the bankruptcy in the public records section of my report. I also want to mention that this bankruptcy is showing on my husbands credit reports. Since we filed jointly and only 1 notice goes out to the bureaus with both of our information on it. I know they received the proper notification.
Product: Debt collection

I purchased an XXXX  computer from XXXX XXXX XXXX. On the day of delivery I received an email stating that the package was delivered, I knew not to be true cause I was sitting on my porch waiting for the product. Once I realized my package was delivered elsewhere, I immediately contact XXXX who told me it would be resolved in XXXX weeks due to an investigation. After XXXX weeks I was told by XXXX there is nothing they can do and it will be reported on my credit if I didn't pay. After countless phone calls, a derogatory impaction was submitted to my XXXX XXXX by the debt collector TRUE ACCORD, who told me that they have no control over the debt but to do what XXXX tells them to do. This whole process has been a year-long process of false and unfair credit reporting.
Product: Credit reporting or other personal consumer reports

I am writing to dispute XXXX inaccuracies on my credit report related to XXXX XXXX  XXXX, XXXX. : Unauthorized Hard Inquiry : XXXX XXXX XXXXXXXX, through representative XXXX XXXX, ran a hard inquiry on my credit report using my Social Security Number without my explicit consent after opening up a complaint with the XXXX for inaccuracy number two.I did not apply for any loans, credit, or accounts that would require a credit check. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a creditor is required to obtain express consent or have a permissible purpose to access a consumers credit report. This action violates the FCRA as I did not authorize or provide consent for this credit inquiry. 

Incorrect Reporting of a Closed Account : XXXX XXXX XXXXXXXX re-added a charged-off account to my credit report that was previously removed. I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXXXXXX. They did not provide me with the original contract as requested in my previous complaints and communications. This debt was the subject of a court case ( XXXX XXXX. XXXX in the XXXX XXXX XXXX XXXX ), which was dismissed without prejudice on XX/XX/2024. 
Reporting this account as active or delinquent is inaccurate and violates the FCRAs requirement to report only accurate and complete information, as outlined in 15 U.S.C. 1681s-2 ( a ). 

Retaliatory Actions : The timing of these actions suggests possible retaliation for a complaint I filed with the XXXX XXXX XXXX ( XXXX ) against XXXX XXXX  XXXX. 
After filing the complaint, the unauthorized hard inquiry was initiated, and the charged-off account reappeared on my credit report. Representative XXXX XXXX, who initiated the hard inquiry, has ceased responding to my calls and emails for months.
Product: Credit reporting or other personal consumer reports

I am disputing multiple inaccuracies and violations of my federally protected consumer rights under 15 U.S.C. 1681. The following accounts have violated my rights to privacy and confidentiality and must be deleted from my credit report : XXXX  XXXX XXXX Revolving Account # XXXX XXXX  XXXX XXXX Revolving Account # XXXX Additionally, I am addressing specific discrepancies on my credit report that align with billing errors as defined under 15 U.S. Code 1666 ( b ). These include : Failure by the creditors to accurately reflect payments I made or properly credit my accounts. 
Computational or accounting errors made by the creditors. 
Furthermore, the creditors failed to provide me with billing statements at least 21 days prior to the payment due dates, invalidating any claims of late payment under the law. I request concrete evidence from the creditors ' bank records to verify their claims of non-payment. The designation of " late payment '' appears to be the result of invoicing errors. 

XXXX has also failed to properly investigate disputes, remove inaccuracies, and prevent the reinsertion of errors, violating 15 U.S.C. 1681i. These actions further breach my rights under 15 U.S.C. 1681n and 1681o, concerning willful and negligent noncompliance with consumer reporting obligations.

I respectfully request that : The late payments for the following accounts be updated to " paid as agreed '' : XXXX  Revolving Account # XXXX XXXX Auto Revolving Account # XXXX The following accounts be deleted from my credit report : XXXX  XXXX XXXX Revolving Account XXXX XXXX XXXX  XXXX XXXX Revolving Account # XXXX I urge you to take immediate action to correct these inaccuracies and ensure compliance with federal law.
Product: Credit reporting or other personal consumer reports

In 2000 when I opened this account it was you had to send them money and they would match the amount you sent. You could only use the funds you have, once it was paid off I never used it again, I am on extended credit card fraud from the IRS of my credit and social being stolen. This isnt my debt