23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a hard time believing that an investigation has been done because there are still errors on my credit report. I sent letters to all 3 bureaus XX/XX/2022, and again most recently on XX/XX/2022. Nothing has been validated or deleted. I received a letter in XXXX stating that the account in question was verified, but I did not receive proof validating the account or that I owe this collection agency. I have no relationship with XXXX XXXX XXXX XXXX and this account should be removed from my report immediately. I have been waiting on information for 3 months and this is unacceptable. All 3 bureaus have inconsistent information reporting for this account so how will I be able to validate what is accurate or not? I do not owe this company anything so please remove this account. I will include the letters that I have sent as well as the dispute letter stating that the account was verified. Please conduct a thorough investigation and provide names and business addresses of each individual with whom you verified this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I call the credit breau and disputed this account multiple times I even contacted the creditor with the situation and nothing been done at all
Product: Debt collection

Account was settled in full on XX/XX/2020. Posted on XX/XX/2020. Was told on a recorded line ( I also have the audio recording ) that the trade line on my credit reports from Portfolio Recovery would be requested for deletion within 30 days from posted date ( XX/XX/2020 ). Thirty days was XX/XX/2020. Contacted the company on XX/XX/2020 and was told something to the effect of, " I'm not sure why but the system is showing your account was not closed until XX/XX/2020, therefore our tradeline deletion request from your credit report will not be requested until XX/XX/2020 XXXX 12 days after the agreed upon date ). 

The customer service representatives attempted to elude my questions and XXXX XXXX ( Executive Operation Manager ) initial refused to transfer me her supervisor despite my multiple request.
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. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

Hello and today I noticed an account on my Transunion consumer file that is currently under re-investigation. It change to charge off today without answering the earlier requests. As the amounts have been inconsistent and reporting inaccurately. As of today all of my request for evidence of the original creditor, contract, credit insurance disclosure, payment history, interest rate and pay-off disclosure have unfortunately been ignored by XXXX XXXX XXXX XXXX who appears to be be reporting inconsistent information regarding this charge off, The account number on XXXX appears differently than on Transunion. The first date of delinquency reports XX/XX/2021 but the payment history reports XX/XX/2021 as current payment. The comment section appear differently further negativity affecting my creditworthiness during my financial hardship. Thank you for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times the XXXX account and some XXXX account was removed as it was the result of fraud and added back in with no notice and no new additional information provided to validate said debt it was added back based on the the same information as when it was deleted both accounts are the result of fraud not only that but several times the creditor collect accounts for these have been removed and re added under new names with no new information to prove said debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Not Legal Validation & Re-ageing Debt I wrote TransUnion regarding XXXX  ignoring my dispute letters for months now and did not send me anything to Validate the debt and by not responding agreed that this account to be removed. TransUnion is refusing to remove an account that the original which is XXXX XXXX refusing to Validate. TransUnion is in violation continuing to report. 

Also the debt was Re-Aged by TransUnion which is a violation according to the FRCA. Debt should be reporting accurately with factual information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Transunion & XXXX XXXX # XXXX, has violated my rights. 

They have failed to respond to the FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my dispute.

15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) =. The law clearly states that if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer Transunion stated the account was properly investigated but how is that possible when all bureaus are reporting different information highlighted such as The account number is XXXX but all other bureaus report different, the monthly payment is blank but all other bureaus report different, the last payment made on XX/XX/XXXX but all other bureaus report different, The payment history of 120 days late is reported three times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but all other bureaus report different, the date closed is XX/XX/XXXX but all other bureaus report different, The balance is {$27000.00} but all other bureaus report different, first date of delinquency is XX/XX/XXXX but all other bureaus report different and the pay status is charged off but all other bureaus report different. The account was also closed on XX/XX/XXXX but was still reporting late payments and all other bureaus report different. 

All bureaus are reporting different information and every bureau has removed this inaccurate information from my credit report except Transunion. 

Transunion has also failed to respond to the Illinois Attorney General 's Office complaint This is grounds for removal they also violated my rights under According to 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has blocked every attempt at me disputing my credit. Everytime I try online, no one answers. I sent a dispute through the mail and they never responded. I am told to call and ech time I call, I am put on hold for hours. I sent a letter requesting to see the original contracts from the credit to get more information and received nothing. There are accounts that are on my credit report that never went into bankruptcy. There are collections for accounts that were included in bankruptcy. There are accounts listed that were never mine. There are addresses that I never used. There are inquiries that I never authorized. Each time I send the documentation from my bankruptcy and list of creditors, the only thing removed are the collections which end up being put back on after a few months. 
I was in foster care as a child and my information has crossed many hands. I'm trying to narrow down who could possibly be obtaining and trying to obtain credit in my name. Transunion has made it impossible. It has taken a serious toll on my life. I need help getting ensuring that these matters are resolved. The credit collections agencies will not answer my questions because I don't have the information used to verify the accounts because they were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were taken off my TransUnion credit report and then added back on. The law states that they must notify me that they were putting the inquiries back on my report and failed to that. I never authorized these inquiries and TransUnion took them off. They put them back on my credit report without my knowledge and did n't send me a letter saying that they was putting the inquiries back on my credit report. XXXX/XXXX XXXX XXXX 2017, XXXX/ XXXX XXXX XXXX XXXX 2017, XXXX XXXX XXXX 2017, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2017, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2017, XXXX XXXX XXXX XXXX 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for over 3 years to get Equifax, XXXX XXXX XXXX  to remove a collection account that has been closed they refuse to close it and continue to leave them on my report everytime I disputed an item after the dispute is done my score goes down as much as XXXX points
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a complaint with the CFPB against LexisNexis CASE # XXXX. Respondents responded to the complaint on XX/XX/XXXX, stating that the disputed information was deleted. LexisNexis removed motor vehicle record XXXX Per their letter. ( See attached ). However, I did not receive the " Identity Theft packet, '' Although an FTC report was filed and provided to LexisNexis multiple times. 

On XX/XX/XXXX, I filed a second complaint with the CFPB against Lexis Nexis Case # XXXX. Respondents responded on XX/XX/XXXX. However, there are still issues surrounding the information that was " allegedly '' Deleted. 

LEXIS NEXIS SUPPLIED FRAUDULENT INFORMATION TO THE CFPB regarding complaint # XXXX. Lexis Nexis stated the information was removed per the letter to the CFPB ; my insurance rates increased again to {$430.00} a month starting in XXXX. I was notified via another Insurance Company as their rates were vastly different, with a rate of $ XXXX month. LexisNexis continues to violate the following : 1. 15 USC 1681 ( a ) ( 4 ) " Infringed Upon a Consumer 's right to privacy '' and 2. 15 USC 1681b ( a ) ( 2 ) " No Permissible purpose/ No written instruction '' I had recently received notification from a customer service representative from XXXX as my insurance rate has increased ; when I inquired about the increase in my insurance premiums, the rep advised that it was due to a report obtained from Lexis Nexis and a ticket that I was reported in XX/XX/XXXX I am still waiting for the case to reset regarding the alleged ticket issued due to the request for reasonable accommodations based on my XXXX Again, I have submitted the information previously in the previous complaints and will present the documents from XXXX XXXX that are being reported as of XX/XX/XXXX. 

However, as of XX/XX/XXXX, Lexis Nexis again provided false statements as the information is currently being reported, still causing financial injury to the complainant. with no good resolution to resolve issues despite their responses to the CFPB. As a result, I am requesting Enforcement from the CFPB, and I will pursue the matter via a civil lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the Fair Credit Reporting act XXXX XXXX XXXX Credit Card account # XXXX, has 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

All three credit bureaus reported a XXXX  XXXX bankruptcy, and I asked them who verified this information on XX/XX/year>. I would like you to thoroughly verify this information.
Product: Credit reporting or other personal consumer reports

NOTICED SOME FRAUD INQURIES I DID NOT AUTHORIZE I HAVE NO OPEN ACCOUNT WITH ANY OF THESE COMPANIES
Product: Credit card or prepaid card

ON XXXX I requested a replacement card to an existing current established account In excellent standing to date. This was because the card was breaking off the corner, and that the card product was made of poor materials which caused the problem. The company agreed to send replacement asap, but now, has lied regarding the process of replacement. 
They also agreed to increase credit limit by XXXX  Back in XXXX with out a hard credit file pull of which has not happened. 

As of my follow up today, I learned that they want to do a hard pull on my credit files just to send a replacement card?, and think I'm XXXX.
Product: Bank account or service

Despite never, during my 9 years as a customer, being opted in for overdraft services on my checking account, First Citizens Bank explicitly applied XXXX overdraft charges to my checking account on XXXX/XXXX/16 totaling {$72.00}. This was apparently due to a trio of non-reoccurring purchases made over the two previous days using my debt card, totaling approximately {$13.00}. I contacted customer service to see if the problem could be resolved, but they declined to waive the fees. According to their own Basic Overdraft Service Disclosure, they had no choice but to decline the purchases, knowing I 'm not opted in, but they did n't.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - 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 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  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXXXXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

XXXX XXXX XXXX has continually harrassed me all times of the day and night for almost a year with a debt that doesnt even belong to me. They have my first and last name but I have no debts that I owe anywhere. They refused to give me further information about my middle initial, address, amount of debt or anything because they know Im not who they are looking for. Theyve stated several times they would remove my number and lied and continue to call. I am looking into pursuing legal damages.
Product: Credit card

Firstsources advantage you have XXXX XXXXXXXX to resolve the claims identity theft fraud and they refuse and fest up with two claims XXXX and XXXX and CFPB # XXXX revealed as I had been told by XXXX were stolen by XXXX XXXX fake ssn XXXX in my name and handled by XXXX XXXX XXXX  as cards ending XXXX, XXXX, XXXX, XXXX and XXXX I learn from XXXX no. XXXX is instead by XXXX XXXX  Please Investigate XXXX XXXX - XXXX XXXX XXXX XXXX Loan XXXX XXXX fake XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX department Treasury XXXX XXXX XXXX XXXX XXXX XXXX dept of Treasury XXXX claim XXXX XXXX  claim XXXX XXXX NY XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reached out to the company to advise that my bank account had been compromised and this was my third attempt to inform them that I had faced a financial hardship due to what happened ( my money was stolen from my bank account ). At that time, I asked to accept the offer of getting placed on a payment plan along with the courtesy of updating my account status from delinquent to current. The agent explained that once the payment that she needed to collect was posted, my account would change from delinquent to current on all three credit bureaus. During the call, I made a successful payment as well as scheduled a payment plan as she suggested, with automatic payments set to withdraw on specific dates. She advised that my account would be reflected as current and backdated for any previous months that were reflected as delinquent, and update to current. I have been checking my credit report every day since this payment occurred and it shows that I am still being reported as delinquent over 120+ days. I would like for this to be updated as stated or file a grievance or litigation for misrepresentation and incorrect reporting.
Product: Checking or savings account

On XX/XX/year>, at XXXXXXXX XXXX EST I received an email detailing that my account has been closed " due to a breach of our Terms of Service and/or your Deposit Account Agreement. As a result, funds associated with your account are being retained by XXXX. '' I replied asking for more details about the closure but more importantly on how to recover my funds that were still in the account ( totaling almost {$60000.00} ). There was no prior written notice or previous warning. They responded by completely ignoring my questions saying that they couldn't provide additional information and that this decision was final. 

" I know this may be frustrating, but we are unable to provide more detailed information regarding the reason your account was closed and we aren't able to reconsider. '' I am now left with no communication as to why the account was closed or how to recover my held funds in their accounts. 

This greatly affects our business as we experienced significant financial losses and delays our future operations, as we have our costs when it comes to providing services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I reviewed my credit report from XXXX, Experian and XXXX and noticed several accounts and inquiries that I did not recognize or authorize. I believe I am a victim of identity theft, and these accounts and inquiries are fraudulent. 

Attached are copies of my credit report highlighting the accounts and inquiries in question, a copy of my identity theft report, a copy of my FTC Identity Theft Affidavit, and proof of my identity. 

I request that XXXX, Experian and XXXX investigate these matters promptly and remove these fraudulent accounts and inquiries from my credit report.
Product: Debt collection

In XX/XX/XXXX2021 a solar rep came to my house to try and sell solar.. he told me he would do a soft credit search to see if we could get approved. I told him I did not want to approve anything until I talked to my tax person. I had a XXXX XXXX at the time I never signed anything again I told him I needed to talk to my tax person onXX/XX/21XX/XX/XXXXhe tried to send someone out XX/XX/21I said no. on XX/XX/I sent him a text from the tax office and told him absolutely it was a NO and that he had been dishonest with me after talking to the tax person the next day a crew arrived at my house to install I told them NO I was not getting anything from them and they left.. the following month someone from the solar company called trying to get me to get solar once again I said NO.XX/XX/21 I got an email from MOSAIC XXXX XXXX XXXX XXXX AZ XXXX loan servicing department stating they received a cancellation request from XXXX XXXX to cancel my loan. I told them I never got a loan XX/XX/XXXX I got a statement review. I contacted the XXXX they said it would be corrected XX/XX/XXXX I got an email asking for payment of XXXX due XXXX once again I informed them I didn't owe them anything they responded saying it would take 2-3 weeks to process the cancellation they had only received confirmation on XX/XX/21on XX/XX/XXXX I was told any payments I made would be refunded. XX/XX/XXXX they reported the debt on my credit reportXX/XX/21 I received a statement notice for loan number 145467XX/XX/21 I received another email asking if I forgot this months payment and the payment required is {$140.00} {$140.00} was due on XX/XX/21. I do not owe this company anything and have continued to tell them this they tell me it will be taken care of and they still try to collect a debt I do not owe.
Product: Debt collection

I appreciate the efforts you have made so far, but it is imperative that the investigation is executed fairly to ensure the removal of all fraud-related entries on my credit report. 
As you are aware, several accounts were reported as fraudulent, and while I acknowledge the successful deletion of some of these entries, it is perplexing and disconcerting that others still persist. I find it difficult to comprehend how, despite the previous deletions and escalations of fraud accounts, another fraudulent entry has been allowed to exist on my credit report. I demand an explanation for this oversight and insist that corrective action is taken without delay. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!! 
I urge you to remove the remaining fraudulent accounts promptly to rectify the unwarranted damage inflicted upon my credit history. It is your responsibility to ensure that my credit report is an accurate representation of my financial standing. Any delay in resolving this matter will only result in further harm to my credit score and financial standing.