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

I am writing a formal complaint against TransUnion for their deceptive practices and failure to remove inaccurate and unverifiable negative accounts from my credit report. The Bureau 's recent order against TransUnion, issued on XX/XX/year>, provides clear evidence of their violations of consumer rights and regulatory requirements. 

According to the Bureau 's findings, TransUnion has engaged in deceptive practices by failing to place or remove security freezes and locks on consumers ' credit reports in a timely manner. This failure has affected tens of thousands of consumers, including vulnerable individuals, for an extended period of time. 

As an affected consumer, I have personally experienced the detrimental effects of TransUnion 's deceptive practices. Despite bringing the inaccurate and unverifiable negative accounts to their attention and requesting their immediate removal, TransUnion has failed to take appropriate action. These negative accounts continue to hinder my ability to obtain credit and secure housing, causing significant financial and personal distress. Again, despite raising this issue, and pointing out clear violations. I have not received any notifications regarding the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the credit bureaus, and I have yet to receive a response I kindly request the Consumer Financial Protection Bureau to investigate my complaint thoroughly and hold TransUnion accountable for their deceptive practices and failure to rectify the harm caused to consumers. It is imperative that TransUnion promptly removes the inaccurate and unverifiable negative accounts from my credit report. 

I have attached a copy of my previous letter to TransUnion for your reference, outlining the violations committed by TransUnion and my request for removal. I kindly request your assistance in resolving this matter and seeking a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. This is Fraud
Product: Credit reporting or other personal consumer reports

i received a letter from XXXX regarding Student Loan repayment for {$150.00} monthly. The total student loan is showing that i owe {$22000.00}. The last time i was in school was 2010 and I dropped out in the middle of the semester. I spoke with XXXX XXXX XXXX XXXX
Product: Credit card

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries were fraudulently made in my name. These inquiries are still on my report after repeatedly disputing with the reporting agencies Equifax and XXXX. The inquiries are as follows : Equifax : XX/XX/202XXXX AN XXXXXXXX XXXX XXXX XXXX # XXXX AN XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXL XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, ND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a letter would like to submit the credit reporting department sent a letter stating there were only 2 late payments on account for 1 in XXXX XXXX and 1 in XXXX XXXX but credit report shows 4 late payments XXXX XXXX XXXX XX/XX/XXXX XXXX Have provided all 3 credit companies copies of this letter to request that the dates are fix but they seems to just say XXXX XXXX XXXX says report is correct even know they have told me number of times it is only 2 late payments and sent this letter stating so with dates.
Product: Credit reporting or other personal consumer reports

I tried to get a whole list of reports from Experian and XXXX per my rights according to the FCRA ( investigation documents etc to prove that they actually investigated errors on my report ) I requested these XXXX years ago and to this date i have no received a thing. This is in regard to my XXXX motor account. ALSO the dates on XXXX and Experian keep changing on the XXXX XXXX account to allow it to stay on longer. Right now the account 's at XXXX years XXXX months and the dates keep changing. Now they changed my last payment date to XX/XX/XXXX to let it remain on my account for another WHOLE YEAR the last payment was in XX/XX/XXXX not XX/XX/XXXX.
Product: Debt collection

Upon finding the company EOS CCA reporting what appears to be a XXXX debt against me, I disputed this back in XX/XX/2019 since I did not know what it was for. It was only reporting to one bureau ( XXXX  ) so I though perhaps it was an error. 
when XXXX  claimed they verified the debt, I sent a letter to EOS CCA letting them know and requested validation of debt. I never did receive validation, only a collection notice. I then sent in another demand in XXXX and XXXX. Each time I only receive back a collection notice that does not provide me any type of proof or what is sufficient evidence of this debt. 
I am including the letters I have sent and the only things I keep receiving from them to show that these dont support proper validation of debt. I do not want to call this company nor should I have to considering I have made sufficient efforts to find out what this is. 
I can not understand how they can still report it and claim to verify this when they still dont show anything from original creditor etc. 
I understand request for validation is a lawful request and this company has failed to comply.
Product: Credit reporting or other personal consumer reports

Synchrony bank has provided information regarding a XXXX balance on my account several times since my last complaint. They fixed the error submitted documentation surrounding the fixture of the error and then re-reported delinquency. 
Change the status of my account to CLOSED and paid in full remove all irrelevant remarks on my credit report that could harm my credit.
Product: Credit reporting

I was told that the georgia power bill and the bankruptcy case have my address and other personal information stateing that it is my accounts. I have contact georgia power and I was told that was not my account. and I have all so contact the court house where the case was filed. and I spoke to someone and the information was check and I was ask for the last XXXX digit of my social security number and my address and other personal information. and I was told that the information didn`t match and that we were to different people. Equifax updated my information to that person credit report because when equifax ask me send in a copy of my ID. and a copy of my social security number and told me to call them back the next week. when I call back I was told that my information had been updated. equifax used my information that I sent to them to try to make me be that other person. they need to get off their sorry butts and do their job. they have already sent me the lady personal information and we are not the same person also the jobs that was put down where I claim to have work are not mys jobs. also I don`t have no reason to file bankruptcy they need to start working to get this messed fixed. or I will see them in court.
Product: Student loan

I have a balance of about XXXX dollars on my student loan left to pay. I 'm a XXXX parent and my hours have been cut at work. I receive 3-5 phone calls from Navient Solutions in regards to my loan payment. I 've had a deferred payment before and every time they send me an email to defer my loan payment I respond and receive emails saying they can not locate my account. I 'm tired of repeated phone calls, some of which are immediately back to back. Last I knew according to federal collection laws, each number listed to an account was able to receive 2 phone calls per day and only one message left per day. Also what is the purpose of being able to reply to an email for a deferred payment if it can not be honored. I have a complete call log of how many times a day they contact me as well as many emails showing I 've responded they way they ask for a deferred payment just to be denied.
Product: Credit card or prepaid card

My complaint is with TD Credit Card. My husband XXXX XXXX closed his credit cart out on XX/XX/XXXX over the phone. We asked for the balance we paid {$1300.00} by check over the phone. Well it hasn't stopped since they keep telling us there is a payment of XXXX dollars due. This has been going on for over 2 years. We have not had the credit card since XX/XX/XXXX however even after we closed the account new charges have been appearing. It is harassment at this point ... Every time they say the credit card is closed out a new bill with a different amount shows up. If we closed out the account in XXXX and paid out the full amount in XX/XX/XXXXit should be done. They are ruining my husbands credit. I have a reference # of XXXX for XX/XX/XXXX of XXXX which we paid on that day for XXXX XXXX XXXX even though we had closed the account in XX/XX/XXXX. The call was taken by XXXX XXXX. She said the credit card was closed but it was not!!!!! 
XX/XX/XXXX I got a letter saying it was closed. XXXX XXXX XXXX should not have been charged! 
XX/XX/XXXX they say I owe XXXX we pay it. They say it is now closed. 
XX/XX/XXXX they say it is closed and we get a conformation letter XX/XX/XXXX they say I owe XXXX XX/XX/XXXX they say now I owe XXXX dollars A complaint was filed to you and you handled it and it was done. Now more than a year later ... 
XX/XX/XXXX I get another one saying I owe XXXX dollars!!!!!!! I want the harassment to stop!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a checking account from bank XXXX XXXX stating this checking account belongs to me. I have tried to dispute this information and so far EWS has refuse to do anything but give me the run around. I have fax my driver license and social security card with proof of address and still they have not provided me with the report nor have fix the incorrect information. This account does not belong to me. The last names do n't even match, my last name is XXXX.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$820.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX Inquired on XX/XX/year> XXXX
Product: Mortgage

To Whom It May Concern : Enclosed are copies of supporting letters, bank statements, etc. showing proof of all required payments/escrow payments made to Mr Copper, loan # XXXXXXXXXX. This loan was transferred from XXXX XXXX Mortgage to Mr Cooper beginning XX/XX/XXXX. Our bank statements prove they received bi-monthly payments in the amount of {$520.00} which equals the required monthly payment in the amount of {$1000.00}. Every payment has been made through our XXXX XXXX XXXX XXXX bank as shown on statements has been on time/not late as shown & cleared to Mr Cooper as you will find enclosed, statements dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. They have failed to correct their discrepancies which has caused me severe XXXX  and adding insult to injury they have ruined our credit with wrongfully reporting late payments to all three credit bureaus. When the inception of this loan was transferred to them they received an escrow credit of {$380.00} which should have been posted to our escrow account which they failed to do. Instead they posted it to additional principal.. I immediately notified them on XX/XX/XXXX, XXXX XXXX # XXXXXXXXXX. When the accounting department reversed the escrow credit {$380.00} from additional principal they also reversed one of my payments of {$520.00} which they lost both payments and for the past XXXX months have not found the money and credited our account. They responded on XX/XX/XXXX stating they forwarded my inquiry to their Account Service Department to locate & apply our payments. To this day, no response, no help, nothing from them. I have made more than 40-50 plus calls to Mr Cooper for the past four months just getting the runaround. The few people that did promise to make this right, fix the errors & told me not to worry about getting reported to the credit bureau because it was their discrepancies did not come through. They told me everything would get reversed & if there were negative issues they would fix everything. The people I dealt with the most was XXXX XXXX XXXX XXXX Team ( Supervisor ), Deandria/Manager for XXXX XXXX Resolution Team, Donyea/CSR, XXXX XXXX XXXX XXXX XXXX etc XXXX Please review all enclosed documents and kindly remove the late and/or late payments on this account & also balance our mortgage/escrow account which was current at the inception of this transfer all payments to date as current & return our escrow credit you received in the amount of {$380.00} from XXXX XXXX Mortgage back to our escrow account. Please remove incorrect late reporting to all three credit bureaus asap! If you have any questions or need additional documentation, etc, please feel free to call me at XXX.XXX.XXXX ( c ). 


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

I have been a victim of identity theft and the accounts that I have listed on this report are a result of fraud. This information needs to removed from all consumer reports. I have been a victim of the XXXX Data Breach and all of my information has been compromised. Remove this information immediately. These accounts are not mine.
Product: Credit reporting or other personal consumer reports

I have disputed this collection account XX/XX/2024 on my consumer report with LVNV Funding I have never did any business with this company. I requested from the company to send me the original agreement that I signed with my wet signature that I owe there company for this debt and they have responded that this account was verified they're only reported on XXXX and XXXX not XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an unauthorized inquiries without my permission from anyone on XX/XX/2017 and XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information in my file with transunion. alot of information is incorrect and invalid. please update my account correctly.it is hendering me from moving forward and approvals.
Product: Credit card

About XXXX this year I started receiving SILVER oversize envelopes from Citi Cards AA offering the Platinum Elite credit card. I am already a Citibank credit card holder, so I called to ask if this was an upgrade for the existing card as the offers stated that if I expend XXXX in 90 days I would received XXXX miles with AA. 
The operator was very clear that this was a new card and credit line and I was already eligible to receive miles again as I had closed the previous Platinum Credit Card account with Citibank in XXXX. 
Today when I called to ask when I will see my miles reflected on my account the operator was fast and short saying : you enrolled days before the 48 months period necessary for a new bonus account and for that reason you will not received your points. When I told him that I was not going after a new credit card and the only reason I agree with the new account was because they offered this bonus by mail and confirmed by phone. For my surprise the attendant asked me to show proof of the marketing envelope that was sent to my address in XXXX XXXX. I told him that I don't keep junk mail and the reason I was checking on the points was because I did called to finalize the offer application on the phone. He said that he can't do anything if I can send him back the invitation that I received with their phone number and offer code. As a consolation he would be able to offer me XXXX miles. I see this is a very big SCAM to open lines of credit for former clients that they know will use and pay their bills. I see how wrong this is to offer me to open a new line of credit days before the waiting period is over so they would not have to issue the bonus to the client.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries reported that I do not recognize
Product: Credit reporting or other personal consumer reports

XXXX is violating multiple consent orders, state laws, public policies and cdd rules. 
My name is XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from XXXX XXXXXXXX XXXX  XXXX and it is showing on my credit report without my consent. I have no contract with XXXXXXXX XXXX XXXX XXXXXXXX and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of 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}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX I am also requesting validation not verification i want to know who was spoken with when and how they have first hand knowledge i need to see the original document as required by law showing i signed for said debt. If they're claiming to have bought said debt i require proof of purchase with the amount paid. If this can not be complied with or removed within 15 days i will be suing for damages and attorney fees. 

the specific accounts i want removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX on XX/XX/XXXX with a balance of {$29000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.