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

I just checked my credit profile disputes through TransUnion Online and found that TransUnion did not fix my report. They have been provided with my FTC Identity report, Police Report Number, Numerous forms of proof of address, many items to prove my id such as current id, social security card, letter from United States Social Security Administration, Birth Certificate, and bank statement. I have submitted all of this along with my dispute and letter of explanation with FCRA 605b included, and Trans Union refuses to update my profile accordingly. In addition, for many days this week I have been unable to view or get secure my current up to date credit report through Trans Union. " Your online credit report isn't available at this time. '' is the message I see consistently. When I call in, I am given many reasons that make no sense ( such as because I logged in already today even though I had not viewed my credit report ). 
Even though I have reported the inaccuracies many times, I can't seem to get assistance. 

I have now emailed XXXX ( TransUnion Fraud Victim Assistance ) twice this week ( on Wednesday XX/XX/XXXX and Friday XX/XX/XXXX ) and submitted my FTC report, Police report number, several forms of ID including state ID, birth certificate, social security card, current bank statement, letter from United States Social Security Administration, and several other items for proof of address. I have found it impossible to get TransUnion to respond and comply with my request under FCRA 605b to remove the incorrect personal information and accounts within 4 days.
Product: Debt collection

Two or three times each week I receive robocalls from Harris & Harris Debt Collectors ( harriscollect.com ) asking me to return their calls at XXXX. Each time I do so, they ask me if I 'm someone else and then, after confirming I 'm not, they tell me the call was in error and promise to remove me from their list. The harassing calls then continue. My attempts to reason with the company have only resulted in rudeness. They have no interest in talking to me in person. They only rely on their robocalls.
Product: Credit reporting or other personal consumer reports

I have several listed accounts that appear as late when indeed they are not. I reconfirmed this with an official Experian credit report and they verified as late going from current to 60 days late within a 30 day window in the account XXXX and current to 90 days late on DEPT OF ED/XXXX  I've contacted EXPERIAN several times with a 2 year time frame with this complaint of these incorrect accounts statuses and have seen no adjustments. According to law 15 U.S. Code1691i- Procedure in a case of disputed accuracy. If the completeness or accuracy of any item ( s ) of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item ( s ) from the file in accordance to paragraph ( 5 ) The accounts in question : XXXX # XXXX {$2200.00} XXXX # XXXX {$540.00} XXXX XXXXXXXX {$1300.00} DEPT OF ED/XXXX  # XXXX {$2000.00} DEPT OF ED/XXXX # XXXX {$1800.00} DEPT OF ED/XXXX  # XXXX {$4600.00} DEPT OF ED/XXXX  # XXXX {$3400.00} DEPT OF ED/XXXX  # XXXX {$9600.00} DEPT OF ED/XXXX # XXXX {$6800.00} DEPT OF ED/XXXX  # XXXX {$3700.00} DEPT OF ED/XXXX  # XXXX {$3500.00} THESE ACCOUNTS ARE INACCURATE GOING FROM CURRENT TO 60 DAYS LATE IN ( 1 ) MONTH IM WHICH IS IMPOSSIBLE AND ITS Breaking The LAW UNDER FCRA.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern, I am requesting your assistance in investigating and correcting this information. 


According to XXXX XXXX. XXXX SECTION XXXX A : STATES I HAVE THE RIGHT TO PRIVACY. 
XXXX XXXX. XXXX SECTION XXXX A XXXX : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX XXXX. XXXX. ( a ) ( XXXX ) Section States : NO CONSUMER REPORTING AGENCY XXXX MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION, ANY ADVERSE ITEM OF INFORMATION, OTHER THAT CONVICTIONS OF OF CRIMES WHICH ANTEDATES THE REPORT MORE XXXX  YEARS. 
XXXX XXXX. XXXX ( a ) ( XXXX ) 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. 


Below is the personal information that needs to be reviewed and potentially removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am reporting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. Enclosed with the letter are copies of documents that verify my correct personal information, including government-issued identification. 

By the provisions of the XXXX Credit Report XXXX, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information the creditor can not verify. I understand under XXXX. Sec XXXX ( a ). You must complete this investigation within XXXX  days of receipt of this letter. Please send and updated copy my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX  months.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

Items Need to 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
Product: Credit reporting or other personal consumer reports

Reporting of inquiries from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute Regarding Inaccurate Personal Information on Credit Reports To Whom It XXXX Concern : I am submitting a formal complaint regarding inaccurate personal information that remains on my credit reports despite multiple attempts to have it corrected. Specifically, I have contacted all three major credit bureausXXXX Experian, and XXXX in XXXX and continuing through XXXX of this year to request the removal of old addresses and phone numbers. However, the same outdated information continues to appear on my credit file. 

The outdated addresses include : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have also attempted to delete old phone numbers that are no longer associated with me. Despite providing the necessary information and documentation to the credit bureaus, these inaccuracies persist on my credit reports. 

Requested Resolution : I respectfully request that the CFPB : XXXX. Investigate why my requests to delete outdated personal information have not been addressed by the credit bureaus. 

XXXX. Ensure the removal of all inaccurate addresses and phone numbers from my credit file. 

XXXX. Confirm whether this issue has affected my credit profile or financial reputation. 

Supporting Documentation : I have attached copies of the correspondence I sent to the credit bureaus, along with any responses received. Additionally, I am providing proof of my current address and phone number to assist with verification. 

I appreciate your assistance in resolving this matter. Please contact me at [ your phone number ] or [ your email address ] if you need additional information. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data XXXX which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally request the removal of inaccurate information regarding a dismissed ( or filed ) bankruptcy listed on my credit report. I understand that you may receive information from third-party verification systems, such as PACER. However, these systems are not always accurate due to limitations, such as incomplete Social Security number reporting.

While I understand your policy may involve retaining records of bankruptcies for up to 10 years, the Fair Credit Reporting Act ( FCRA ) clearly states that dismissals or filings should not remain on my credit report if they are no longer valid. Specifically, Section 1681c of the FCRA does not provide grounds for maintaining dismissed or adjudicated bankruptcies.

Additionally, under Section 1681b ( a ) of the FCRA, consumer reporting agencies are required to have a permissible purpose to include information on an individuals credit report. I did not provide any authorization or written instructions allowing you to place this dismissed bankruptcy on my report. As such, maintaining this information on my credit report without my consent is a violation of my rights under the FCRA. 

According to federal law, a dismissed or adjudicated bankruptcy case no longer exists in the eyes of the law. Retaining such information is an inaccurate representation of my credit history, as these cases are deemed legally non-existent. Therefore, in compliance with Sections 1681 ( a ) ( 5 ) and 1681b ( a ) of the FCRA, I kindly request that you delete this information from my credit report and provide me with an updated copy reflecting this correction.

As this request does not require further investigation, I would appreciate your response within two weeks of receiving this letter.

Thank you for your attention to this matter. 

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

I called and informed Transunion that i did not recognize an inquiry on my credit report from XX/XX/2020 from XXXX dealership. Transunion informed me that I had to contact the dealership first to attempt to get it removed and investigate. I called the dealership about the unauthorized inquiry. The XXXX dealership stated that they did not run my credit and that they have to evidence of my credit ever being ran through them. I called back nd informed Transunion who then said it was nothing they could do. I wrote a letter as well explaining and requesting that Transunion remove the unauthorized inquiry and supplied information from the dealership that they did not pull my credit and Transunion sent me a letter back stating anyone can pull my credit without my approval or knowledge and that the inquiry would fall off in 2 years. I replied with another letter explaining to them that that was against the law and I have not heard anything back from Transunion regarding this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a checking account as representative payee for my XXXX  and XXXX brother, to manage his social security XXXX payments. I worked with a local client relationship consultant to open the account. Five days later I traveled out of town to spend time caring for my brother, who lives in a different state. 

Upon returning to my home, on XX/XX/XXXX, I opened the mail that I had received. One of the mail pieces was from US Bank, dated XXXX XXXX, informing me that my credit card was declined due to missing signature consent. I called the customer service number listed in the letter and was told that the credit card had been applied for directly from the branch where I opened the account, and that it was applied for with the assistance of the banker. I did not apply for this account. I was advised to call the branch office. 

On XX/XX/XXXX, I called the bank manager for the first time. He stated that he opened an internal investigation. Once I filed a police report, I received another call from the bank manager, stating that he completed an internal form for investigation. I still do not know if there was a hard hit to my own social security number/credit, or to my brother 's social security number/credit bureaus, as the bank manager has not told me that. I have been forced to close my account and re-direct social security funds, and have had to freeze credit with at all bureaus for both me and my brother. US Bank refuses to acknowledge their part in the chaos that they have caused in my life. They need to be held accountable for their actions, and both me and my brother deserve an apology. A company doesn't " accidentally '' apply for a credit card when opening checking accounts .... Others need to be aware when opening checking accounts through this bank that this can happen.
Product: Payday loan, title loan, personal loan, or advance loan

I became unemployed back in XX/XX/XXXX. During that time, I accrued what's commonly referred to as a PayDay loan from my bank, Fifth Third, and I've been struggling to repay it ever since. Nevertheless, I recognize that this loan ( like maaaany of my other credit endeavors ) was my choice, my mistake and my situation. I have a plan to pay it off by XX/XX/XXXX. 

With my PayDay loan maxed out, and only {$16.00} in my checking account, I transferred money from an external savings account to my Fifth Third checking so I could get gas and groceries until pay day next Friday, XX/XX/XXXX. However, when the funds were transferred to Fifth Third, they took the money as a contribution toward the PayDay loan and applied the {$250.00} balance there. 

I called to explain that this wasn't a direct deposit from my employer, ( who happens to be the same financial institution that the funds were coming from ), but that it was a transfer from a savings account to my checking for essentials. I asked them to place the money back in my checking. They essentially told me 'tough luck ', but you can take another draw on the PayDay loan tomorrow... for which they'll naturally assess a fee, I pointed out, and that would not give me access to necessary funds today. 

I've since discovered that Fifth Third is charging me an exorbitant amount of fees monthly, again, for which I'm sure I'm responsible for not reading the fine print. This is a banking institution that I've been with since roughly XXXX. I've always been told that they were considered 'fee heavy ', conservative lenders, but since I've had only a few minor problems with them over the years, I chose to ignore it. Today was the last straw. 

I know PayDay loans are legal, but they are without a doubt, predatory, and Fifth Third 's is no exception. Today I was told by my financial institution that they cared more about placing me into additional financial hardship when I'm vulnerable than they did about my ability to eat and put gas in my car to get to work. In XXXX, I'm going to close as many of my accounts with them as I can and after 15 years of banking with them, I can honestly say I'll never bank with them again. I doubt anything they can say or do will change my mind at this point. 

I'm only filing this complaint 1. Because Fifth Third conveniently dropped my call when I asked to be transferred to the disputes department, and it's actually extremely difficult to file a written complaint with them. I guess if one 's complaint process isn't all that transparent, one probably receives fewer complaints ... 2. I really hope the CFPB is monitoring what Fifth Third is up to these days. I can not be the first and only person they've done this to. Unless you make a certain percentage of money or investments, they don't actually care about you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I would like to file a complaint against Comenity Bank/Wayfair Cir . I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.
Product: Vehicle loan or lease

1. **Violation of Truth in Lending Act ( TILA ) ** : - TILA requires clear and accurate disclosure of finance charges and the total of payments. Presenting the finance charge as an estimate rather than a definitive figure prevents me from knowing the exact total of payments and hinders my ability to seek an appropriate remedy. 
- Firstly, correcting this violation would ensure knowing the exact total of payments, enabling better financial planning and remedy-seeking between all parties involved. 
2. **Violation of Georgia Retail Installment and Home Solicitation Sales Act** : - This act requires essential provisions, including finance charge calculations, to be clear and included in the contract before signing, which was omitted. 
3. **Violation of Fair Credit Reporting Act ( FCRA ) ** : - The FCRA mandates accurate reporting and proper communication regarding debts. Two different companies, CarMax Business Services , LLC ( listed as contract assignee and financer ) and CarMax/CarMax Home Office/CarMax , Inc. XXXX have been reporting a charge-off without clarifying whether the debt is forgiven and to what amount amongst other incomplete and inaccurate information over time. 
4. **Violation of Internal Revenue Code ( IRC ) Section 6050P** : - IRC Section 6050P requires creditors to file Form 1099-C with the IRS when a debt XXXX {$600.00} or more is canceled. CarMax Business Services, LLC or CarMax/CarMax Home Office/CarMax , Inc has failed to file this form within two years of the charge-off being publicly reported to credit bureaus, seemingly trying to cause more financial harm of tax issues. Not filing nor reaching out but repossessing once XXXX filed regarding violation. 
5. **Violation of Georgia Code 10-1-36** : - Georgia Code 10-1-36 requires a post-repossession notice within ten days of repossession that has not been received.
Product: Debt collection

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1200.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOODs OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX limit credit card from XXXX XXXX was deleted from my report XX/XX/2022 ending XXXX without my authorization, my bank has submitted countless forms and sent emails regarding my account because it is still reproting but not showing on my report.