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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit card or prepaid card

Not a duplicate New documentation attached and Contacts have been updated. 
Update since XXXXSee attached XXXX invoice showing credit for full amount credited to our MasterCard XXXX ( not the active XXXX ) on XX/XX/XXXX. Please issue the credit and resolve all fees and penalties. This was an issue between merchant and bank on the Mastercard network. 

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX
Product: Debt collection

I'm begging to ask for the removal of late dates on disputed item from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX Date Opened XX/XX/XXXX. XXXX and XXXX already complied with my request and only your bureau is left the keep a noncompliance and this behavior is a clear violation against the law.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft, which fraudulent activity has been reporting to my TransUnion Credit File/Report. I have filed an FTC and Affidavit and have my Police Report to remove these fraudulent items from my credit report. In addition, I have overnighted the same information, which took a long time for someone to get my complaint and process it, which I am filing this complaint now. Also, TransUnion is violating HJR 192 of 1933, 15 U.S.C. 1681b, and 18 U.S.C. 1028A, which my next steps is to seek litigation of damages of {$1000.00} per occurrence. There is two fraudulent account and seven fraudulent Inquiries on my credit report, which needs to be removed effectively immediately. I am filing this complaint because TransUnion is always receiving and processing my paperwork late or not even processing it at all and is always an issues relating to removing items via certified mail, which I heard people in similar situations saying the same thing. Therefore, I am submitting a complaint and asking TransUnion to remove all fraudulent items from my credit file, based on my documentation uploaded through CFPB. The fraudulent account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Checking or savings account

some fraud transactions were made on my debit card, i called to dispute it the bank is denying my claim saying I didn't provide enough information, but the only information I have is that a purchase was made with my debit card/ the date and the amount. I don't have other information because I didn't make this purchase on or around. 
XXXX purchase for {$130.00} XXXX purchase for {$130.00} XXXX purchase for {$1200.00} XXXX purchase for {$110.00} totaling : {$1600.00}
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction with the repeated attempts to rectify the late opening of my account with your institution. I opened an account with your branch and unfortunately, I have encountered several issues that have not been adequately addressed. Despite my best efforts to resolve this matter through various channels, including phone calls and in-person visits to the branch, the late opening of my account persists. I have attached copies of the relevant documents, including the account opening paperwork and receipts, for your reference. I initially opened the account and was informed that it would be active within a specific timeframe. I made multiple follow-up calls to inquire about the status of my account. Each time, I was assured that the issue would be resolved promptly. I visited the branch in person to seek assistance, but unfortunately, the problem persists. I understand that issues may arise, and I am willing to cooperate to resolve this matter amicably. However, the lack of progress and communication regarding the status of my account is both frustrating and concerning. I kindly request that you investigate this matter promptly and provide a detailed explanation for the delay. Additionally, I expect a clear timeline for the resolution of this issue. I believe that transparency and effective communication are essential in maintaining a positive customer relationship. If this matter is not addressed within the exact timeframe from the date of this letter, I will be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to correct this late open account in my credit file XXXX XXXX XXXX XXXX XXXX Balance : {$120.00}.
Product: Credit reporting or other personal consumer reports

XXXX + American Express. 

Please see attached. 

I am being removed as an authorized user, as well as it being removed from my credit report, for the American Express credit card.
Product: Credit reporting

debt buyer, out of date debts must be part of those ) XXXX XXXX XXXX is the firm and XXXX XXXX is their attorney of record. I have just received a notice of a civil suit and am answering that at this time. The account that they bought is over 6 years old and closed, although I have no idea about what account it is since I have not received any communication from them that I know of until being served with a civil suit. The original creditor was XXXX according to the papers and the last payment was made, according to the suit on XXXX. I have filed a report with XXXX, the Attorney General of Oregon, and the Consumer protection agency. According to Oregon state Credit card XXXX XXXX XXXX XXXX v. XXXX XXXX XXXX ( Oregon Court of Appeals Docket XXXX XXXX XXXX, 2012 ) and XXXX XXXX XXXX XXXX XXXX XXXX ( Docket XXXX XXXX XXXX, 2012 ) Spoken contract XXXX Written contract XXXX
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 Comsumer rights to privacy and confidentiality under 15 USC1681. 

Account Name 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 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 

15 U.S.C. 1681 section 602 A. Sates I Have the rights to privacy.

15 U.S.C. 1681 selection 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

. 15U.S.C. 1681. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 recently reviewed a copy of my credit report, and I noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my credit report and noticed several inaccuracies and incomplete information. On XX/XX/year>, I sent a formal letter to Experian requesting an investigation into the accuracy and completeness of my report. However, despite receiving the results of their investigation, I found that no corrections were made. 

This is a violation of Federal law. According to 15 USC 1681e ( b ) : 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. 

Additionally, I requested Experian provide me with a description of their investigation procedure, as outlined in 15 USC 1681i ( 7 ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Despite my request, Experian failed to comply with this requirement as well. 

Further, Experian is in violation of 15 USC 1681i ( 5 ), which states : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Additionally, under 15 USC 1681s-2, the law states : ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The failure to correct these inaccuracies and comply with Federal laws is unacceptable. If this is happening to me, I can only imagine how many other consumers are being subjected to the same unfair treatment. 

I expect this matter to be addressed promptly and the inaccuracies on my credit report corrected. Please provide a response detailing the actions taken to resolve these violations and ensure compliance with Federal law.

If they are doing this to me imagine what theyre doing to so many others can you please help me to fix this?
Product: Credit reporting, credit repair services, or other personal consumer reports

" I settled the account, and it was removed from other credit reporting scores, but it has not been removed from my TransUnion score yet and also my XXXX score. Before I opened a new policy with XXXX XXXX XXXX, I paid off the remaining balance of {$120.00}. I chose XXXX because I believe they have my best interests in terms of insurance. Additionally, I have already paid my first month 's bill. ''
Product: Debt collection

I Have no idea why this company is placing a collection account on my credit.
Product: Credit reporting

I 'm a victim of identity theft and fraud accounts was open in my name I never authorized nor gave permission or had any knowledge of also my XXXX account was ran up with charges I did n't authorized nor had knowledge of and XXXX card. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and charges from XXXX XXXX XXXX XXXX. I 've always kept this account in good standard now there are charges I never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

XXXX. NO CONTRACT XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX ADJUST Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2022 Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please investigate and delete from my credit report. 


These accounts should not be furnished on my consumer report as they are in VIOLATION Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I feel I was negatively impacted by XXXX, XXXX my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But I don't see any details about the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was not sub category for this issue. This is probably in the wrong category. This complaint is against Experian. This complaint will be used as evidence against Experian in my law suit that I am initiating against them, My credit score has dropped 23 points since 3 days ago. There has been no new derogatory information reported on my credit report. All my open accounts are paid on time and in good standing. My credit usage decreased by 6 percent. My overall debt decrease by almost {$200.00} and this cause my score to drop? Not likely. Experian is retaliating against me because I filed a complaint against them with the CA Attorney Generals office. There is no way my credit score should have dropped 23 points when no new derogatory information has been added. My overall credit usage decreased and all my open accounts are paid on time and in good standing. My overall debt decreased by almost {$200.00}. I understand how credit scores work and how many things factor into a credit score. This being said. There is no logical reason that my score should have decreased. Experian deliberately dropped my credit score out of retaliation.
Product: Student loan

The US Department of Education has no customer service number or way for borrowers to contact DOE about their loans. According to Student Aid, DOE makes the decision as to when loans are forgiven and DOE has to approve XXXX applications. Also according to Student Aid, Student Aid does not have any insight into DOE 's timing or processing of PSLF applications. I waited on the phone with Student Aid to obtain contact information for DOE and the representative hung up on me after a long hold. I called DOE 's general numbers and was told that there is no contact at DOE for student loans. That is outrageous. There is no recourse for borrowers who are waiting for DOE to fulfill their promise of student loan forgiveness. We are being held XXXX through our loans.
Product: Credit card or prepaid card

I purchased a garage door opener and installation package from  Home Depot  and used the Home Depot credit card for the purchase. I purchased the unit in the store and brought it home.The installer came out and said there was an issue with the opener and had to take it back t o Home Depot. Home Depot s omehow called my mother who lives in Florida - to my knowledge her phone number is not on my Home Depot account - and advised her that I would have to buy a new opener since I purchased mine online ( which I did not ). The installers sai d Home Depot  would not release the unit to them, even though they are the in-house company  Home Depot  selected. I called  Home Depot ' s customer servic e three  times, they transferred me around and dropped my call, ultimately wasting my time and offering no resolution. All the while the opener and the install service remain on my credit account.
Product: Credit card or prepaid card

I have paid the balance on my card, and after doing so, the balance is over paid. The card is being blocked from use for internet purchases. It has also been blocked when trying to use it at the gas pump.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Report published by Sterling regarding my background screening check, there is information about my name appearing in Criminal Records Database. However, the records are not verified and I am not aware of any criminal proceedings against me in the past and I am not aware of any details of the Cases mentioned. 
i would like to mention that it is not ethical to put up a record in the report without identifying information about the mentioned case and if such published information is accurate. By reporting false information which is mentioned in the public database without verification creates prejudice and can harm my reputation based on the information presented and not a factual representation of the Fact. 

I am not aware of the details of any information provided which is not verified by the competent authority and neither there is a detailed report to show that the information is correct representation as presented in the report. The information provided is hence damaging my reputation and could cause financial damage in long run.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month a collection account XXXX XXXX XXXX showed up on my account as a collection for XXXX XXXX XXXX. I have not had service with XXXX XXXX XXXX and have not received any notice in regards to any collection. The collection agency did not have the name or address on my credit file. I disputed the account via Transunion on XX/XX/XXXX. Today XX/XX/XXXX I receive a email to link the results and TransUnion ILLEGALLY verified the account and let XXXX XXXX XXXX change the NAME on their account to MY NAME. So, instead of deleting the account that didn't match my record. They ILLEGALLY verified it and allowed the collection agent to CHANGE the name to my name. The last time I had service with XXXX XXXX XXXX  was several years ago and it was a prepaid account with {$0.00} balance. This new collection has nothing to do with me and should never have been verified. Please contact TRANSUNION for engaging in and allowing illegal practices. For reference XXXX saw that the record did NOT match and immediately DELETED it. Meanwhile, TRANSUNION is allowing XXXX  to CHANGE the record to match mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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

On XX/XX/2019 I am trying to lift my security freeze on my credit with Equifax. When I try to log in to the website I get an error message and it gives me a phone number to call. When I call the number I get a message saying they can't confirm my identity. I then used their chat line and they gave me a different number which sends me to the exact same automated system that I was in before. I can't reach a live person and I don't know what to do next. I have a pin number that they gave me when I put the security freeze on but it doesn't do me any good if I can't get into their website or reach a person. I never have any trouble with the other two credit bureaus so I don't know why Equifax is always such a problem. Maybe they need to be shut down. Anyway, I'm stumped as to what my next course of action needs to be to lift the freeze. Please help!