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

In my last dispute submitted to TransUnion on XX/XX/year>, I requested the removal of several accounts that were inaccurately reported on my credit report. The disputed accounts included XXXX XXXX with a balance of {$0.00}, XXXX also with a balance of {$0.00}, and XXXXXXXX XXXX  again showing a balance of {$0.00}. Additionally, I disputed XXXX, which has a balance of {$5200.00}, XXXX with a balance of {$0.00}, and XXXXXXXX XXXX with an outstanding amount of {$680.00}. 

What is particularly concerning is that the statuses of some of these accounts vary significantly across different credit reporting agencies. For instance, the same account may be reported as paid, in collection, or derogatory depending on which CRA is being referenced. This inconsistency raises serious doubts about the accuracy of the information being reported. Despite my attempts to rectify these discrepancies, I have received no satisfactory response from TransUnion. This ongoing situation has led to significant distress, and I feel that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated.
Product: Debt collection

RE ; XXXX XXXX HOSPITALOn XX/XX/XXXX I was admitted to the XXXX XXXX Hospital in XXXX ( XXXX XXXX XXXX ) NJ. I contacted my then insurance company XXXX XXXX XXXX as I worked for t % he state and I had XXXX % hospitalization. I contacted them and they said the explanation of benefits was sent and all claims for that date have been paid especially the one for XXXX Hospital at XXXX %. They have now sold this debt to MULTIPLE COLLECTIONS AGENCIES. All of whom are threatening to enter onto my credit report. here are the agencies1. XXXX letter dated XX/XX/XXXX for date of service XXXX for XXXX ,2. XXXX letter dated XX/XX/XXXX for date of service XX/XX/XXXX for {$1200.00} AND FOR DATE OF SERVICE XX/XX/XXXX for {$1200.00}. 

ALSO, XXXX, is collecting the same XXXX debts that ANOTHER agency is trying to collect on called HRRG. However, XXXX was given these XXXX debts AFTER I spoke to HRRG on XX/XX/XXXX and advised the one date of XX/XX/XXXX was paid in full by my XXXX XXXX XXXX on XX/XX/XXXX as all claims for that date of service ( XX/XX/XXXX ) were paid on XX/XX/XXXX. AND I spoke directly to XXXX with HRRG on XX/XX/XXXX to clear up XX/XX/XXXX claim and made arrangements to pay XXXX month towards the XX/XX/XXXX date of service which i no longer had the same insurance. AFTER MAKING ARRANGEMENT WITH XXXX ON XX/XX/XXXX AND MAKING A XXXX PYMT THEY THEN TRANSFERRED BOTH CLAIM DATES AND AMOUNTS TO ANOTHER AGENCY XXXX! 
Now XXXX is trying to collect not only the one paid in full by my XXXX, but also the one I made a XXXX payment on ( which is not reflected either ). And to make matters worse, I have called XXXX XXXX 3 times now because I have arrangements with them for XXXX month but they now have added BACK ON XX/XX/XXXX for {$4900.00}!!!!!! 

I HAVE tried to straighten this out and multiple agencies are involved and XXXX XXXX is the one responsible for selling these debts to numerous agencies PAID or not paid. I do not owe ANYTHING FOR XX/XX/XXXXCould you please advise what I can do to straighten this out.
Product: Credit reporting

The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX does not have any documentation, they need to retract this from my credit file immediately.
Product: Mortgage

XX/XX/year> XXXX XXXX fell on our house. insurance has sent a XXXX part check, we signed it and sent it to the bank. it was about XXXX, XXXX and some change to go to the repairs of the house, we are at XXXX XXXX XXXX  in repairs now, they have only XXXX  XXXX on time and then i had to beg for XXXX. they still have the rest of the money, now they have sent a email stating they want 95 % of the house finished before they release the insurance check. and they stated that they require and inspection, then charge me XXXX XXXX. then still refuse to release the money. XXXX XXXX has had my contact information form the start as well as her supervisor, XXXX XXXX. i have asked for an new inspection on XX/XX/XXXX and it still has never been set up. XXXX stating she needs my contact information, again a stall tactic for them not to relies the funds. i only owe XXXX on my house. i have never missed a payment, have always paid early. XXXX XXXX XXXX. we financed our home with XXXX XXXX, and Newrez bought the morgage, i never agreeed to any new terms with Newrez. i Have XXXX and i want to get me and my family back in my house and for them to release the checks so i can get it all done, before it gets to cold to paint. they have held my money and ask for papers they already have repeatedly. they have all our contact infromation, my contraactors information, my insurance adjusters infromation and phone numbers and have had it from the begining. they also know that that fraudulat charges on my house payment was never agreed to and they make it mandatory or they will not release funds. XXXX also tried to tell me that when they come to inspect the house we refused to let them in. i sent him the proof that they did get the pictures. this morgage compy has keep use out of our house for 4 months and we should have already been finish,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX  XX/XX/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 formally dispute inaccuracies found on my credit report. Upon a thorough review of my personal credit file, I have identified several discrepancies that I believe are unjustly affecting my creditworthiness and, consequently, my ability to secure homeownership. Given the current economic challenges, it is imperative that my credit report accurately reflects my financial history without the detriment of errors. 
In accordance with the Fair Credit Reporting Act, I understand that your agency is obligated to investigate these disputes within a thirty-day period following the receipt of this letter. Below, you will find a list of the inaccuracies that require your immediate attention and correction : XXXX. Name of Furnisher : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Name of Furnisher : XXXX XXXXXXXX XXXX XXXXXXXX, ACCOUNT NUMBER : XXXX XXXX XXXX. Name of Furnisher : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. Name of Furnisher : XXXX XXXX Account Number : XXXX XXXX I respectfully request that your agency undertake a diligent investigation into these matters and remove the incorrect information from my credit report. The presence of these inaccuracies is not only misleading but also has a significant negative impact on my credit score, thereby hindering my financial opportunities. 
I am fully aware of the economic difficulties our society is currently facing, and it is under these circumstances that I can not afford to have my creditworthiness compromised by errors. 
Therefore, I anticipate your cooperation in rectifying these discrepancies and look forward to receiving an updated copy of my credit report reflecting the necessary corrections within the stipulated thirty-day timeframe. 

I trust that you will address this matter with the urgency and thoroughness it requires. Thank you in advance for your prompt attention to these issues and for your assistance in ensuring the accuracy of my credit information.
Product: Debt collection

There false deceptive practices has continued Wakefield & Associates even gave me a fake address to mail my letter to. The post office told me the address does not exist. Wakefield & Associates , LLC agreed not to ever contact me as long as they are in business and agreed to pay me {$5.00} if they break that agreement ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... I want Wakefield & Associates , LLC to honor the agreement that they broke on ... ... ... ... .... 
XX/XX/2023 by contacting me again account # XXXX ... ... ... ... ... ... XXXX ... ... XXXX ... ... ... ... ... ... ... .. XXXX unfortunately you have broke the agreement contact me only thought CFPB
Product: Debt collection

I am expressing now for the third time an extreme need to have these numerous accounts that I have no knowledge of to be removed immediately under section 605B because it is hindering from acquiring my home for me n my XXXX XXXX. I am a homebound XXXX XXXX XXXX XXXX who has not been shopping anywhere since my bilateral total hip replacements in XXXX XXXX and XX/XX/XXXX resulting in my XXXX retirement in XXXX of XXXX I was home and had no further need to shop at any of these places and someone used my personal information knowing I was home in bed and would not become aware until it is too late and now no lender will approve me and my autistic child for a home. please rectify this matter I implore you to please help my small family acquire this much needed home. This egregious error is going to leave me and my son on the street and I will be forced to take this to the media.
Product: Credit reporting or other personal consumer reports

District Court for XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Equifax Inc. Customer Data Security Breach Litigation ; Case XXXX CC : The Consumer Affairs ; Federal Trade Commission ; Consumer Financial Protection Bureau I expect Equifax to conduct a thorough investigation into these discrepancies and to remove the fraudulent items without delay. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. Equifax received these materials, yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. 
Fraudulent Transaction : XXXX XXXX  : Balance : {$21000.00} : Opened : XXXX XXXX, XXXX  ( REPOSESSION )? 
Fraudulent Transaction : Conns : Balance : {$840.00} : Opened : XXXX. XXXX, XXXX  Fraudulent Transaction : XXXX  XXXX XXXX XXXX : Balance : {$410.00} : Opened : XXXX XXXX, XXXX  Fraudulent Transaction : XXXXXXXX XXXX XXXX  : Balance : {$360.00} : Opened : 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 : Inquiry : XXXX. XXXX, XXXX ; XXXX. XXXX, XXXX & XXXXXXXX XXXX XXXX Based on the CFPBs recent lawsuit against XXXX for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I demand that Equifax to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any unverifiable, inaccurate, or fraudulent information from my credit report. I AM HONESTLY BEING HARASSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Attn : XXXX XXXX  TransUnion My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft. I have been affected by the credit breach. I have attached a letter, copy of the FCRA where the credit bureaus and creditor violated me by going on to my credit file and reporting inaccurate accounts on my credit. False Pretense in the act of being the consumer and not getting any consent from me to open up my credit report. 
Please take this documentation I have provided as a dispute and an affidavit. Contact me at number i have listed and please add my mobile. 

Inquiries : XXXX XXXXXXXX XXXX/XXXX/XXXX Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Collect Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Identity Theft Complaint Regarding Fraudulent Accounts with XXXXXXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally file a complaint regarding identity theft that has resulted in the establishment of fraudulent accounts in my name with XXXXXXXX XXXX XXXXXXXX. I have discovered two accounts that I did not open, and I believe my personal information has been compromised. 

**Details of the Fraudulent Accounts : ** 1. **Account Number : ** [ XXXX **Date Opened : ** XX/XX/year> **Balance : ** {$1800.00} 2. Account Number XXXX **Date Opened : XX/XX/year> **Balance : {$2900.00} I first became aware of these accounts when I reviewed my credit report on [ insert date you reviewed your report ]. Upon noticing these accounts, I immediately contacted XXXXXXXX XXXX XXXX to dispute the validity of these accounts and to inform them that I am a victim of identity theft. I have provided them with the necessary documentation, including a police report and proof of my identity, but I have yet to receive a satisfactory resolution. 

I am requesting that XXXXXXXX XXXX XXXXXXXX take the following actions : 1. Remove the fraudulent accounts from my credit report with all three major credit bureaus ( XXXX, XXXX, and TransUnion ). 
2. Provide me with written confirmation that the accounts have been closed and removed from my credit history. 

In addition to the above, I would like to request the assistance of the Consumer Financial Protection Bureau in investigating this matter and ensuring that my rights as a consumer are upheld. It is crucial for me to restore my credit and protect my financial identity. 

I have attached copies of relevant documents, including my identification, the police report, and any correspondence with XXXXXXXX XXXX XXXXXXXX regarding this matter. 

Thank you for your attention to this serious issue. I look forward to your prompt response and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I sent two secure emails to TARGET to close the account, I have done this with several other credit cards and not had any problems, but I was told I had to call to cancel. When I Called to cancel, I was asked why and told I shouldn't close it, when I said again I wanted to close it I got the same response. I felt like I was getting bullied into not closing my account. I was told to think about it.. and I finally just ended the call. This is not acceptable.
Product: Credit reporting

Experian has XXXX on my credit report twice though it is the same account. The account was never mine and belong to my daughter XXXX XXXX, in which she has admitted to XXXX so baffle why Experian still has it reporting on my credit report. I have attached a notarized letter informing XXXX that this is her debt. I am again requesting for the fraudulent accounts to be immediately removed. I have submitted an incident report number for the XXXX XXXX XXXX Police Department previously. Also, I have sent a copy of my signature.
Product: Credit reporting or other personal consumer reports

I would like to respectfully remind you once again to immediately remove any unproven or inadequately supported claims from your reporting. As a data reporting provider It is imperative that you meet the minimum criteria to required to report with the conditional proveledge to do so. Failure to do so raises doubt about the validity of any and all claims that you make XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXXXXXX {$640.00} XXXX XXXX {$480.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) {$5200.00} XXXX  {$5200.00} XXXX {$1100.00} XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX  ) {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this complaint three times already that I have been a victim of identity theft but no one seems to care, that I want to dispute specific records in my file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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

Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 

I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau, the Attorney Generals Office, the XXXX XXXX XXXX, and the Federal Trade Commission. This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.
Product: Credit reporting or other personal consumer reports

Numerous errors on credit report. Inaccurate balances, accounts that have been paid but still reporting as not paid, non mailable addresses, non reachable phone numbers. I have enclosed a copy of affidavit sent to the company to fix. Again
Product: Debt collection

XXXX XXXX XXXX. continuity calls repeatedly even after normal hours on weekends too. The amount they say I owe is not a legitimate charge. The company they purchased it from failed to submit their claim for payment to my Attorney at Law that was paying medical fees & Bills from an Automobile Lawsuit against XXXX XXXX XXXX XXXX. XXXX XXXX XXXX in XXXX, Texas settled the claim and XXXX XXXX XXXX 's Client failed to REQUEST PAYMENT from the Courts on the medical bills which relieved me and my wife of the obligations. But they continue to HARASS us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a soft inquiry pre approval with XXXX  mortgage. They instead ran a hard credit inquiry and have denied it. I verified with CredCo and XXXX that they not only ran a hard credit pull on XX/XX/XXXX they also pulled a second hard credit pull on XX/XX/XXXX. I never received a 30 year loan estimate and never gave authorization to proceed in the loan process. XXXX  will only talk to me by email and want paper documentation of the hard pull. I provided a screenshot of my experian and they still denied the hard pull ( s ). CredCo is willing to do a 3 way call to vouch on my behalf because they can not issue paper documentation directly to me- but when we waited on hold with better mortgage XXXX refused to come to the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELL HERE WE AGAIN. I BEEN DOING THIS NIW FOR 2 YEARS EVERY SINCE MY BANKRUPTCY IN 2020 : MY OLD XXXX CARD WHICH WAS XXXX IN. XX/XX/2020 SHOWING OPEN/DEROGATORY IVE DISPUTED THIS OVER & OVER! 


ACCOUNT BEEN CLOSED FOR XXXX ( XXXX ) YEARS NOW!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting an incorrect coding of the XXXX partial account number XXXX. This account is being coded as an M5 when actually this account needs to be coded as an M1. ( Please see page 4 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Transunion for making it difficult to upload all dispute documents on their website. Recently, I attempted to file a dispute on their website and upload supporting documentation. Unfortunately, I found out that they only allow a total of 5 MB of documentation to be uploaded. This is extremely inconvenient because it is equivalent to only 1 or 2 pages of documentation. As a result, I was unable to upload all of the necessary supporting documentation to fully explain my dispute, and I feel that my dispute was not fully represented. I believe this is an unfair practice that makes it difficult for consumers to have their disputes fully resolved. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion to ensure that they provide a fair and efficient dispute resolution process for all consumers. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX