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

I, XXXX XXXX, am filing this Complaint because I previously disputed 2 in accurate accounts showing on my Credit Profile, XXXX XXXX XXXX # # # # # XXXX & XXXX XXXX XXXX # # # # # XXXX on XX/XX/2022. I made Transunion, XXXX XXXX XXXX aware that these accounts are inaccurate and I demand to have these accounts removed immediately. Per Fair Credit Reporting Act anything thats showing on a consumer report must be 100 % Accurate, 100 % Complete, and 100 % Verifiable. Therefore, these accounts arent showing as such so I demand to have these accounts removed. Transunion, XXXX XXXX XXXX keep sending me verified responses without any further proof. Please Delete these Accounts, XXXX XXXX XXXX # # # # # XXXX & XXXX XXXX XXXX # # # # # XXXX.
Product: Credit reporting or other personal consumer reports

Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Against : Credit Reporting Agencies ( TransUnion , Equifax , Experian ) and Relevant Collection Agencies Subject : Request to Block Fraudulent Information Due to Identity Theft Details of the Complaint : I am submitting this complaint to formally request the immediate blocking and removal of fraudulent information from my credit report due to identity theft. I recently attempted to access my credit profile but was informed by representatives that I was unable to do so. This supports my claim of identity theft, as unauthorized accounts have been opened in my name. 

Despite multiple requests, my personal information has not been updated as required by law. This failure to act directly violates my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Requested Deletions and Updates : Full Legal Name : My credit report should only display XXXX XXXX XXXX XXXX Address Update : Remove all outdated and irrelevant addresses from my report. 

Retain only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I can not receive mail at outdated addresses, so they must be removed immediately. 

Phone Numbers : Delete all phone numbers currently listed on my report. 

Social Security Number & Date of Birth : For privacy reasons, these should not be displayed on my credit report. 

Employer Information : Delete all employer information currently listed. 

Data Breach Impact & Failure to Protect My Information : I was a victim of multiple data breaches, which compromised my personal information, including : Equifax Breach ( XXXX ) : XXXX XXXX Social Security numbers, DOBs, and addresses exposed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  customer records, including passport numbers, leaked. 

Experian Breach ( XXXX ) : Millions of Social Security numbers and credit histories exposed. 

As a result of these breaches, fraudulent accounts were opened in my name. Despite repeated requests to update my personal information and place fraud alerts, the credit bureaus have failed to act, leaving me vulnerable to further fraud.

Additionally, each credit reporting agency has refused to provide the method of verification for disputed accounts, violating my consumer rights under multiple laws, including but not limited to : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting. 

Disputed Accounts & Inconsistencies : I formally dispute several inaccuracies on my credit report, which contain discrepancies among TransUnion, Experian, and Equifax. These inconsistencies suggest identity theft and/or reporting errors that require immediate investigation and correction.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX, Social Security Number : XXXX, Date of XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX Bank on XX/XX/XXXX under the account number ( XXXX ), XXXX Card on XX/XX/XXXX under the account number ( XXXX ), XXXX on XX/XX/XXXX under the account number ( XXXX ), and an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or hard inquiries as reported. The aforementioned accounts 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 and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

CREDIT CARD COMPANY REFUSES TO CORRECT MY CREDIT REPORTS SO I CAN BUY MY HOUSE NEXT WEEK. I DONT OWE THEM XXXX
Product: Credit card

On XX/XX/XXXX and XX/XX/XXXX, I purchased XXXX XXXX XXXX XXXX from a merchant in XXXX separate transactions totaling {$15000.00}. These devices were marketed as capable of mining specific XXXX, including XXXX, XXXX, XXXX, and XXXX. However, after the devices were received, they were found to be incapable of mining the advertised cryptocurrencies. 

I contacted the merchant to resolve this issue, but my attempts were unsuccessful. Communication through their official XXXX channel resulted in my account being blocked, and emails to their support team were either ignored or provided unhelpful responses. 

In early XXXX, I initiated disputes with Goldman Sachs regarding these transactions, presenting extensive evidence, including : Product brochures and screenshots showing the false advertising. 
Negative reviews corroborating the merchant 's misrepresentation. 
Statements of the devices failing to perform as advertised. 
Goldman Sachs denied the disputes without conducting a thorough investigation, stating that the merchants terms and conditions were met despite clear evidence to the contrary. They also failed to request evidence from the merchant or provide provisional credits during the dispute process. 

I reopened the disputes on XX/XX/XXXX, under dispute numbers XXXX, XXXX, XXXX, and XXXX, but they were quickly denied again on XX/XX/XXXX, citing the same inadequate reasoning. After a year of attempts to resolve this issue, I remain without resolution, and the company has failed to address the substantial evidence supporting my claims. 

I am now seeking assistance from CFPB to hold the company accountable for the mishandling of this case and to receive reimbursement for the financial loss incurred due to the misrepresented merchandise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Court house and received their response regarding the Bankruptcy Chapter XXXX I have on file stating that they don't report any Bankruptcy to credit bureaus as well as I also received the response from XXXX for reinvestigation that this Bankruptcy should be remove, delete to my credit report ASAP Chapter XXXX Bankruptcy Reference # : XXXX & XXXX
Product: Credit reporting or other personal consumer reports

I would like to request the removal of the late payments that have been inaccurately reported on my credit history or without proper validation, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). Specifically, I am seeking the following : 1. **Correction or removal of the late payments : ** - I request the immediate removal of the late payments reported on the following accounts : - XXXX - Account Number : XXXX - Late Payment Date : XX/XX/XXXX - Payment Status : 30 days late - Last Payment Date : XX/XX/XXXX - XXXX XXXX XXXX - Account Number : XXXX - Late Payment Date : XX/XX/XXXX - Payment Status : 30 days late - These accounts reflect late payments that I believe to be inaccurate or improperly validated. According to **15 U.S.C . 1681 ( a ) ( 2 ) ( A ) ( i ) **, my consumer report should not contain information solely related to transactions or experiences between the consumer and the creditor. Since the payment history and late payments are considered part of these transactions, they negatively impact my credit report and should not have been included without proper verification.

2. **Verification of Billing Procedures ( 15 U.S.C. 1666 ( b ) ) : ** - I am requesting that you provide me with, in writing, the reasonable procedures you have adopted, according to **15 U.S.C . 1666 ( b ) **, to ensure that each periodic statement was mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all information required by section 1637 ( b ) of Title 15.

3. **Written confirmation : ** - I ask that I be notified in writing once the late payments have been removed from my credit history, and that I be provided with an updated copy of my credit report.

4. **Prevention of future errors : ** - I request that measures be implemented to prevent future inaccuracies in my credit history. This includes verifying the accuracy of any information before it is sent to the credit bureaus.

5. **Response Period and Assumption of Non-Validation : ** - You have **30 days** from the date you receive this letter to provide me with the information I am requesting. If you do not provide this information in the allotted time given, it will be assumed that you can not verify the late payments on the dates specified above ( due to lacking reasonable procedures to ensure the accuracy of my account ). In this case, I would request that you **remove the late payments** from my account and consumer report with the following consumer reporting agencies : **XXXX, XXXX XXXX and TransUnion**, and update the accounts to positive.
Product: Student loan

I got a federal loan for school, I quit 2 weeks after starting, the school refunded almost the full loan back except for the portion for the 2 weeks which im working with my original provider for payments. I was n't aware that the school itself was charging me for the loans they refunded and they sold the debt to a debt collector called William Russian associates. The very first day I spoke to them they told me they have a pending case against me to garnish my wages and if I want to prevent them from going forward with the case I would have to pay the a down payment of {$1800.00} and monthly payments of {$370.00}, I spoke to them at XXXX and they told me I had until XXXX. the same day to make a payment of atleast {$500.00} towards the down payment or else they were going to take me to court to garnish my wages. I told them I was willing on paying the debt but I could n't afford what they were asking, they never took any type of financial assessment to help put me on a payment arrangement they did n't care that I did n't have the money or that I was willing to pay they only cared about getting the amount of money they asked for by the time they gave me. I feel like that 's really unfair treatment especially since im willing to pay and that was the first time I ever heard about owing that debt and they want to make it so I cant afford my basic living expenses because they do n't want to work with me.
Product: Mortgage

I HAVE APPLIED FOR HARDSHIP ASSISTANCE ON XXXX/XXXX/XXXX I WAS TOLD BY MY SERVICER NATIONSTAR THAT THEY WILL NOT OPEN UP A REVIEW DUE TO A DISCREPANCY THAT WAS FLAGGED ON MY ACCOUNT ON XXXX/XXXX/XXXX BY MY INVESTOR, I HAVE ASKED WHY WHAT WAS THE DISCREPANCY AND THEY STATE THAT THEY CAN NOT TELL ME. 

I CALLED XXXX XXXX TO FIND OUT WHAT WAS THE REASON AND THEY RESEARCHED IT AND STATED THAT THE SERVICER HAS AN ERROR ON THEIR SIDE AND THAT THEY WILL CONTACT THEM TO REMOVE AND CONTINUE WITH THE APPLICATION. AFTER 1 MONTH OF BACK AND FORTH WITH NATIONSTAR AND XXXX XXXX, IT CAME DOWN TO XXXX XXXX CA N'T MAKE NATIONSTAR CORRECT THE ERROR AND I AM ROADBLOCKED NOT KNOWING WHY THEIR IS A DISCREPANCY AND AM IN FEAR I WILL LOSE MY HOUSE DUE TO BEING LEFT IN THE DARK.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, I5 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I am doing this on my own behalf.
Product: Checking or savings account

I use my account for my games, shopping, and personal reasons. So thats none of their business, but they were so quick to close my account without any warning or any regards as to what happened. I dont even violate the terms of service either. 

They did this to TWO of my accounts. One of which I have been wait for a response for OVER TWO MONTHS with no word or contact. 

They claim that they can escalate the problem, but escalation doesnt do anything either. 

Like why have a company if youre not going to have proper levels to this mess? No supervisors? ( Which they lied about them having a supervisor. They dont even know if they have supervisors at this point because I told that they did have them, and that they dont have one. ) and how is it that the people handling the situation are only in contact via email? Do they even exist? And why is it okay for these workers to hang up on me when Im calling them for answers???? 

And then the case handlers? For all we know, they dont even look at them. Let the email that was sent was very generic, and it doesnt talk about anything regarding the case that they supposedly investigated. 

Im so upset right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 XXXX 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 XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has been reporting XXXX balance accounts paid off by a loan consolidation as collection accounts impacting my credit score negatively.
Product: Credit reporting or other personal consumer reports

I have an unauthorized inquiries on my credit report from XXXX XXXX XX/XX/year> which I like removed from my credit report. I ask the XXXX credit agencies to remove these unauthorized inquiries but they fail to do so. I do not recognize these inquiries nor had I had any business with this company.
Product: Credit reporting or other personal consumer reports

I never open any accounts i have been XXXX for some time XXXX XXXX XXXX Account number XXXX XXXX XXXX Account. Number XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX  Account # XXXX, XXXX Account # XXXX, U.S. Department of Education Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX  Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report on XX/XX/2024 and found some information that appear to be incorrect. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian continue to report inaccurate information without the consumer permission. And one more thing according to 15 USC 1681s-2 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. These accounts are not complete and inaccurate. 

I am writing to dispute the XXXX XXXX XXXX listed on my credit report. The XXXX was filed on [ XXXX XXXX ] acct number XXXX However, I would like to bring to your attention that this XXXX XXXX XXXX has been dismissed by the court. 

As a result, this bankruptcy entry should not be included on my credit report. The dismissal of the XXXX XXXX XXXX  means that it was not completed and should not be considered as part of my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate and up-to-date information on consumer credit reports. The inclusion of this dismissed XXXX  entry is misleading and negatively impacting my creditworthiness. 

I kindly request that you investigate this matter and promptly remove the inaccurate XXXX entry from my credit report. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of the dismissed bankruptcy entry from my credit report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Credit Bureau : TransUnion Credit Bureau : XXXX XXXX XXXX XXXX, PA XXXX Credit Bureau : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, and I noticed an unauthorized inquiry had been made. 

I contacted TransUnion & XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into TransUnion & XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Prepaid card

Ive been asking for documentation stating why my fraudulent charges were being denied and this is what Ive gotten back since 5 months of asking for them Date : XX/XX/2022 Time : XXXX ; XXXX XXXX XXXX : Consumer Web Sent : XX/XX/2022 Sent to : ( XXXX ) XXXX Dont know what exactly does this refer to or has to do with because first of all the dates the the charges were made are XX/XX/2022 - XX/XX/2022 - XX/XX/2022 and me as a consumer I would be expecting something for each and one of those transactions a reason on why each on of them were declined for a return