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

EQUIFAX is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent EQUIFAX written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : Please provide a 1099c as this account is reporting as write off Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e.an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this letter will result in a small claims action against your company. I will be seeking damages for : 1. ) Defamation 2. ) Violation Of The Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX 

* Please remove all non-account holding inquiries over 30 days old. 

Thank you for your cooperation in this matte
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
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 update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Unauthorized, to best of belief and knowledge, with no real reason ( s ), Chase Bank on XXXX XXXX in XXXX, CA performed account balance Inquiries from XXXX or vice versa, which cost the customer money, causing domino spinoff effects from service charge fees. ( Ex. 
if there are scheduled online bill payments, that neither bank may know about, as this is not evident in the balance inquiry, what may be processing, the affixing of fees for the inquiries can start a fee progression. The balance inquiry is without consent, without knowledge, costing a service charge for each inquiry. It can then domino into {$35.00} service fees as the inquiry fees cause account to dip. 

FEDERAL COMPLIANCE : This may be a federal regulation violation, bank policy violation, privacy violation, account security violation. Breach of privacy and confidentiality.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit reporting or other personal consumer reports

I am writing to dispute an entry on my credit report pertaining to a credit card account that has been both paid off and closed for over a year. The account in question is with XXXX XXXX, and I request your immediate attention to rectify this matter. 

The credit card account was successfully paid off and officially closed XX/XX/2022. I have diligently met all my financial obligations, and the account in question should no longer be reflected on my credit report. I have enclosed proof of payment and the closure confirmation from XXXX XXXX for your reference. 

Despite the closure and payment, I recently discovered that the account is still appearing on my credit report, negatively impacting my credit score. This is not only inaccurate but also unjust, given that I fulfilled all obligations and closed the account as per the terms agreed upon. 

I kindly urge you to conduct a swift and thorough investigation into this matter, ensuring the accurate reflection of my credit history. The continued presence of this account is causing undue stress and affecting my financial standing adversely. 

I have attached all relevant documentation supporting my claim and kindly request your immediate attention to this matter. Your assistance in expeditiously removing this inaccurate entry from my credit report is greatly appreciated. 

Thank you for your prompt action in resolving this dispute.
Product: Credit reporting or other personal consumer reports

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

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

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$290000.00} Late/Open XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX Balance : {$800000.00} Late/Open Late XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you with extreme frustration and concern regarding the persistent presence of late, closed, and charge-off accounts on my credit report. I have made several attempts to dispute these items, yet they remain on my credit file, severely impacting my financial well-being and opportunities. I demand immediate action to rectify this situation. 

I first initiated this dispute, and it has been an ongoing struggle for a months without resolution. Despite providing substantial evidence to support my claims and numerous follow-ups, I have not seen any significant progress in resolving this issue. 

These inaccuracies on my credit report are causing substantial harm to my financial life. They have significantly lowered my credit score, thereby limiting my ability to access loans, mortgages, and other financial services. It is my right as a consumer to have an accurate and fair representation of my credit history. 

I insist that you treat this matter with the utmost seriousness and urgency. I am experiencing ongoing difficulties due to these inaccuracies, and it is essential that you promptly take action to correct the situation. I request the following : Immediate, thorough, and unbiased investigation of the late, closed, and charge-off accounts in question. 
Regular updates on the progress of the investigation. 
Prompt removal of any inaccurate or unverifiable information from my credit report. 
A formal, written explanation of the results of the investigation. 
I trust that you will address this issue promptly and effectively. Failure to do so may lead to legal action to protect my rights as a consumer.

Enclosed with this letter, you will find copies of the evidence I previously submitted during my dispute attempts. Please acknowledge the receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. I am asking for your immediate assistance to remove the late closed and charge off accounts in my credit file : XXXX XXXX XXXX Balance : {$0.00} This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. 

XXXX XXXX XXXX : {$810.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX : {$11000.00} - You are reporting inaccurate information for this particular account. A charge-off account should show XXXX balance. Remove the balance indicated, change it to XXXX  and delete this account promptly. 

XXXX XXXX XXXX XXXX : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately.
Product: Debt collection

The debt that was written off was mine, I had to choose on of the above to continue. I had an account with  Monterey Financial  that was charged off/written off as of  XXXX . After it was written off I now have  Monterey collections trying to collect after the account has been written off. Monterey  Collections contacted me last week to collect payment I was trying to ask questions but the rep became belligerent I asked if it was possible to collect on an account that had been written off. She went off to tell me that I did n't know what I was talking about, and threatren to pursue further legal actions if I did n't make this payment. I asked about a settlement she told me that she did not have to offer me a settlement the decision was totally up to her. The amount they are trying to collect is {$1300.00} she told me the best She could do as far as a settlement was {$1100.00}.
Product: Credit reporting

I have disputed the statement I put on my credit report that I have asked for this statement to be removed & Experian is telling they Will Not Remove my statement I put up Im demanding that the Whole Statement to be removed ASAP!! 
This is my right its my credit I can delete it I WANT MY CONSUMER STATEMENT REMOVED ASAP WHAT RIGHT DO THEY HAVE TO TELL ME I CANT REMOVE A STATEMENT I PUT UP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I initiated a cash-out refinance on my home with XXXX XXXX XXXX Due to an administrative error, XXXX XXXX inadvertently included a relatively low-interest Chase credit card on the list of cards to be paid off and closed within the loan documents, so rather than scrap and restart the process, I agreed to close the Chase account and have it paid off. After the refinance process was complete, I assumed that all accounts were successfully paid off and closed, until I received a call from a collection agency the following year regarding a debt owed to Chase for {$220.00}. I contacted Chase and explained the situation, and they agreed to disregard the additional interest charges and penalties and accept a payment of {$75.00} to settle the debt, based upon the original unpaid interest charge of {$73.00} on a final payout of {$6700.00}, which was apparently due to the fact that Chase received the payoff check from XXXX XXXX XXXX DAY after the final statement due date. Again, I thought that the matter and account were closed, but the following year, after being denied several applications for credit, I learned that the top of my XXXX credit report highlighted my former Chase account as an Account with Adverse Information with multiple delinquencies of 120 days following the account closure, despite all other payments on my entire credit report being on time. Upon contacting Chase to request the removal of the Adverse Information from my credit report, I was told that when I created a Chase web account to print off a final statement for XXXX XXXX, I allegedly agreed to only receive electronic communications from Chase on my soon to be closed credit card. Chase could not produce any evidence of electronic notifications sent to me regarding the account or additional charges, but from my email records I discovered that the only email that Chase had sent to me was a notice that my online account ( on my closed credit card ) had been suspended because I signed in from an unknown device. Chase continues to deny that the Adverse Information on my credit report is inaccurate and misleading and refuses to have it removed, so it will remain there and ruin my credit report for XXXX more years. While XXXX allows a consumer statement to be included on the credit report, it not only appears below the Adverse Chase information, but its buried at the very bottom of the credit report.
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. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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, credit repair services, or other personal consumer reports

. I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credi standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

These are the account I want removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to file a complaint regarding my inability to log on to the TransUnion website to submit a dispute about inaccuracies on my consumer report. This issue is negatively impacting my credit score and financial well-being, and I am seeking assistance in resolving it promptly.

Despite multiple attempts to access the TransUnion website to submit a dispute, I have encountered persistent login errors and technical issues preventing me from starting the process. As a result, I have been unable to address inaccuracies on my consumer report that are adversely affecting my credit score. 

The inaccuracies on my consumer report are XXXX XXXX [ Account Number : XXXX ] and XXXX XXXX [ Account Number : XXXX ] who has been reporting inaccurate information without proof to TransUnion. These inaccuracies are inaccurate and unfair, and I am eager to have them corrected as soon as possible. 

I have made diligent efforts to resolve this issue on my own, including contacting TransUnion customer support for assistance, but have been unable to find a resolution. Therefore, I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) for assistance in addressing this matter. 

I kindly request that the CFPB intervene and work with TransUnion to resolve the technical issues preventing me from accessing the website to submit a dispute. Additionally, I request that TransUnion provide legitimate reasons as to why I can't submit my disputes online through their website. 

I appreciate your attention in this matter and your assistance in resolving this issue promptly. Please do not hesitate to contact me if you require any further information regarding my complaint. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are in clear violation of the law. Pursuant XXXX XXXX
Product: Mortgage

I have home Mortgage with Truist bank. I never have any missed payments and have automatic draft payment for my monthly payment directly from my bank account. On XX/XX/2022, because I had excess of {$7400.00} in my escrow account - Truist sent the check but it was sent to wrong address. In XXXX, I called Truist on their customer help like ( only way you can talk to someone ). After taking to the agent for 1 hour, agent initially declined to resend escrow check back and then at the end after talking to supervisor, agreed to resent to correct address. On XX/XX/XXXX, Truist bank, instead of sending check for additional escrow, debited {$7400.00} additional money towards principle without my approval. I am tired of reaching out to front like telephone operators from Truist who never understand the issue and incorrectly auto drafting money from my bank account. I am tired of Truist bank - will never bank with them again with such type of customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion shows incorrect information Shows account balances when accounts have XXXX balances since XXXX. 
All the other 2 reporting agencies have the information correctly listed. 

NOT TRANSUNION - SINCE XXXX, THEY HAVE LISTED THE INCORRECT INFORMATION - PREVENTING HOME LOANS AND CAUSING HIGHER INTEREST RATES FOR CONSUMER. 

TransUnion Online : https : //dispute.transunion.com By mail : Download the dispute form Mail the dispute form with your letter to : TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX
Product: Debt collection

On XX/XX/2022 I sent a letter to LVNV asking to validate the account they were reporting on my credit report. Then on XX/XX/2022 I send a letter requesting additional details to which I never got a response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account is over XXXX XXXX XXXX and should be removed from credit report. Should be deleted past statute of limitations XXXX XXXX for Illinois.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Transunion credit reporting incorrect info. 
Claiming multiple Bank loans closed in Bankruptcy. 
Loans not closed and not in Bankruptcy. 
Multiple requests to remedy .... still not correct.