23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Transunion Will NOT investigate and remove unauthorized inquiries from my credit report. 

REMOVE ALL UNATHRIZED INQUIRIES FROM MY CREDIT REPORT!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 




XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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: Debt collection

This company is a XXXX XXXX and in response to my MULTIPLE complaints HERE this company XXXX XXXX XXXX me, never resolving the actual issue. 

In response to my original complaint the company said : provide proof, we will fix the issue. I provided the proof. They refused to fix the issue. 

This XXXX XXXX company has FALSE information on my credit file right now, which is illegal and must be removed immediately. 

I submitted complaints against this company and they XXXX XXXX XXXX XXXX. See below : COMPLAINT ID XXXX PRODUCT Debt collection ISSUE Attempts to collect debt not owed COMPLAINT ID XXXX PRODUCT Debt collection ISSUE Attempts to collect debt not owed COMPLAINT ID XXXX PRODUCT Debt collection ISSUE Attempts to collect debt not owed MY ORIGINAL COMPLAINT - all evidence has been submitted AND is attached AGAIN here : Creditors Bureau Associates currently shows a {$370.00} collection for XXXX XXXX XXXX on my XXXX credit report, which I disputed repeatedly WITH EVIDENCE to no avail. Heres what happened. In 2018, I worked at XXXX but was let go as of XX/XX/2018, and according to our separation agreement ( see email copy from HR ), my health insurance with XXXX was valid through XX/XX/2018. When I went to XXXX XXXX XXXX with high fever, the front desk staff CONFIRMED that my health insurance was active and valid. Then, they sent me a {$370.00} bill. I contacted XXXX XXXX XXXX repeatedly. They said my employer would have to contact them. I contacted my employer who confirmed my insurance had to be valid and active through XX/XX/2018. See attached emails. However, my former employer dissolved business, the HR person was no longer there, the CEO moved to another state with another company, and no matter where I emailed, nothing was emailed back. Phone was disconnected and so was the physical address. See attached emails. The {$370.00} is not the debt I owe for my XXXX XXXX XXXX visit because as you can see from the attached proof, XXXX was responsible for paying it, not me. This must be removed immediately from my credit report. This is false reporting and violentes my FCRA rights. Ive attempted multiple times to resolve it directly with the company to no avail. See my credit report copy from TODAY : this falsely reported collection still shows on my XXXX credit report and must be removed. 


With my complain, I submitted ALL THE PROOF, yet the company says in their response SUBMIT THE PROOF. I have submitted the proof WITH my original complaint and THE FOLLOWING COMPLAINTS AS WELK, you can see it all attached TO my EVERY complaint. Delete this falsely reported medical debt immediately because I submitted all the proof needed. 


The documents I submitted show clearly that my employer HR was responsible for the medical debt, and the documents confirm it. You requested THE PROOF, and I sent it to you TWICE. Delete this falsely reported debt immediately from my credit report as you have ALL THE WRITTEN PROOF that XXXX, my former employer, was responsible for this debt, not me.
Product: Debt collection

Debt was not valid. 
Received multiple " final statements '' from the creditor and they continue to report mis information* Originally owed a credit of over {$1700.00}. Then false additional statements were sent saying I owed. 
Thy are now reporting inaccurate information to credit bureau ruining my good standing credit rating. 
PLEASE HELP!!
Product: Credit reporting or other personal consumer reports

This is another request for FCRA Method of Verification 611 ( a ) ( 7 ) / FCRA 611 ( ( 6 ) a ) ( B ) ( ii ) Trans Union has ignored my first request.

Please be advised I am exercising my rights under 611 ( a ) ( 6 ) ( B ) ( ii ) which provides a consumer may request " a description of the procedure used to determine the Accuracy and Completeness of the information shall be provided to the consumer by the agency, including the business name and address of any FURNISHER of the information and the telephone number of such FURNISHER, if reasonably available. 



Re : XXXX # XXXX......... that I initially disputed via CFPB Complaint # XXXX XXXX on XXXX/XXXX/223. The basis of my dispute was the XXXX XXXX XXXX XXXX XXXX XXXX which provides me a right to notice before my non public personal information can be reported and Title XXXX XXXX XXXX ( a ) ( XXXX ). I received notice on XX/XX/2023 that this information that is not suppose to be on my consumer reports in the first place without my instructions has been updated again. This is another violation of my Privacy Rights violating XXXX XXXX XXXX. 
Section XXXX which states I have a right to privacy, Section XXXX which states a credit reporting agency can not report an account without my permission. 
I submitted on XX/XX/2023 CFPB # XXXX requesting a Description of the Procedures used to determine and come to a conclusion that this account be updated. 

Trans Union IGNORED my request!! 

Trans Union Failed to provide a copy of the evidence that I requested substantiating their claims. I am requesting the XXXX of XXXX and you have not complied Please provide XXXX XXXX XXXX under XXXX ( a ) ( XXXX ) within 15 days or remove this account. I will contact the FTC and every agency that will listen as well as eventually take you to court seeking damages regarding this matter. Remove this account!
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unrelaible responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 6 letters to all three credit bureaus pleading with them to correct my credit reports. 
I have never lived at : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never had a XXXX acct or XXXX  account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report with Equifax and XXXX XXXX and have found inaccuracies showing that are affecting my credit rating showing on my credit file. I have disputed directly with Equifax and XXXX XXXX over 30 days ago and they have failed to remove these in accuracies. XXXX XXXX Acct was paid and agreed to remove from bureaus and XXXX has complied, but Equifax n XXXX have not Equifax XXXX XXXX Acct # XXXX Showing as closed but has not been removed XXXX XXXX XXXX Acct # XXXX Showing as paid but has not been removed
Product: Debt collection

In XX/XX/XXXX, I moved out of my apartment early and had to break my lease. The building management made up a lease break fee of {$5000.00}. I refused to pay this fee as it was not mentioned in the lease. They then withheld my security deposit, and claimed that I owed them {$1700.00} for leaving my lease. This fee was also not written in the lease so I refused to pay it. 

On XX/XX/XXXX, they sent a third party debt collector after me who contacted me through phone call and email. The building management told the debt collector that I did not pay XX/XX/XXXX rent. I showed the debt collector evidence that I in fact, did pay XXXX XXXXXX/XX/XXXX rent. The debt collector did not respond to the information I provided. Instead, they placed a collections account of {$700.00} with all three of my credit reporting agencies. 

I would like this collections account removed as a ) the debt collector is using false information to collect my debt and b ) the building management is still unlawfully withholding my {$1000.00} security deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, XXXX, AND EXPERIAN USES FORIEGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE XXXX XXXX ASSETS!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX agreed to remove the account completely from my credit file if the agreed amount was paid. I did pay the settlement and yet the three bureaus did not investigate the account otherwise they would have removed it from my credit file and not just report it with a 0 balance
Product: Credit reporting or other personal consumer reports

Checkr performed a report for XXXX when I applied for a job as a rideshare driver. 

XXXX relied on information provided by Checkr. 

I can not obtain the report from Checkr. 

Checkr does not have a phone number to contact information to obtain the report. 

I tried obtaining it on their website but can not access it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have 2 credit card accounts on my XXXX XXXX, XXXX  and Experian credit report that I did n't apply for and is unauthorized and fraudulent. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX
Product: Debt collection

I had a disputed charge rising out of a dispute over cleaning bill that happened in XXXX 2009. 

The charge was sold to a collection company out of state, and it was left on my credit file. 

I have contacted the collection company, and amicably agreed to pay half of the amount in exchange to the removal of the record. 

I paid as agreed and received a receipt for that transaction. 

I have found that the record was still on my credit file on XXXX. On my second inquiry, I was told to pay the whole amount from the debt collection. 

I believe that the debt collector was using misrepresentation and intentionally try to hurt my credit to extol more fund from me. Please check on the facts and help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXt # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15

U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Chase arbitrarily suspended access to ALL my Chase accounts on XX/XX/2018, including my checking account and 4 credit cards, because somebody who has Quickpayed me many times previously tried to Quickpay me money. 

The other account sending the transaction was a Chase account, and there was a 3+ year history of money transfers between my Chase account and theirs. 

When I called the number on the " your account access has been suspended '' screen, they informed me that my account was fine, but they had suspended online access and the accountholder sending me the Quickpay would have to call and verify the Quickpay transaction before they gave me access again. 

Fast forward more than 6 hours of dealing with Chase on the XXXX and XXXX, and the accountholder had not only called and verified the transaction, but also gone into a Chase branch and verified it, and my account was still locked, INCLUDING access to my credit cards. 

On XX/XX/XXXX, I have another 2 hours on the phone, and my account is still locked, with them insisting they can only verify my identity by texting a defunct phone number on my account, and refusing to text the other number already listed on my account. I close the checking account over the phone at this point, because their conditions are ridiculous, their customer service is awful, and I'm pretty irritated at this point and no longer want to bank with them. 

On XX/XX/XXXX, I try to log in to pay my credit cards, and I'm STILL locked out, even after the transaction was verified and I closed my checking account. ANOTHER 2 hours on the phone being transferred to 5 different people, and despite never having done anything wrong, having the transaction verified by the other accountholder both on the phone and in person, and closing the account, I STILL don't have online access to my 4 Chase credit cards, and they refuse to grant this  access unless I go into a physical Chase branch. 

I opened my Chase account in an area with lots of Chase branches, but moved 4 years ago to an area where the closest Chase branch is 200+ miles away. 

So my choices now are close the Chase credit card accounts and ding my credit report with a lot of lost available balance and age of account, or spend literally an entire day trying to travel 200+ miles to fix it, when it's their screw-up, it's been verified on the other end both on phone and in-person, and I've done nothing wrong. 

If that sound like what you want from your bank, I heartily recommend Chase and their products.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXXAll above referenced accounts have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all XXXX  credit bureaus ( XXXX, XXXX, and Transunion ) requesting inaccurate information and accounts be investigated to prove accuracy. As of today XX/XX/2023 i have not received any communication about these accounts or if the investigation process has started.
Product: Money transfer, virtual currency, or money service

Yes this is for 2 issues one issue is I was transferred {$250.00} to my account and I never received it and it said I received it but it was never received and I could never get ahold of nobody number 1 number 2. The fees that they charge me when I sell cryptocurrency or XXXX. Was completely outrageous through cash app.And nobody will ever answer my questions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a authorized user on two capital one credit card for over two years and XXXX has failed to report my account history. Regardless of the numerous confirmations from Capital One that my information was reported to XXXX as it was reported to XXXX and XXXX. XXXX is only showing I have two credit cards where as I have four. I have received the following message, repeat ... 
Thank you for submitting your complaint on XX/XX/2021, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX, including the attachments. In your complaint, you indicated that there is an account missing from the credit report. You are requesting for the account to be added to the credit report and to be reporting accurately. Unfortunately, we are unable to honor your request to place credit information into your personal credit report. We do not add data to our database from private parties since we would be unable to verify or maintain the data. We receive credit information from credit grantors who subscribe to our services and public record information from vendors who collect it from the courts or other government offices. Some creditors may choose to report their data to the other consumer credit reporting agencies, and they may not report it to us. Feel free to upload disputes to XXXX by visiting XXXX XXXX XXXX  or dispute online by visiting XXXX XXXX XXXX. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXXn at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX.
Product: Debt collection

I have a garnish against me and just found out Trough the bank,, I never received a court order and no documents for me to know whats going on,, they put a hold on my bank acct and is against the law to sue someone if they dont know,, I never get the chance to defend myself
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER 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 items : XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10.00} ; XXXX XX/XX/2022.
Product: Credit reporting

I am a victim of identity theft and I received a fraud alert in regards to unauthorized and fraudulent inquiries listed on my Equifax credit report. The following inquiries are unauthorized and fraudulent : XXXX XXXX, XXXX XXXX, XXXX XXXX Bank, XXXX, XXXX, XXXX XXXX XXXX Bank. I should not have any credit inquiries on my Equifax credit report.
Product: Mortgage

XXXX, 2024 XXXX XXXX XXXX, XXXX failed to discontinue my utility services despite charging exorbitant fees as the closing attorney. I have tried unsuccessfully to reach out to the utility authority, transaction coordinator, and settlement agent to no avail. I have exhausted all possible measures to correct the billing error.
Product: Credit reporting or other personal consumer reports

I Disputed a Collection Account that was Reported on my Credit Profile. I have sent in Multiple Disputes & have yet to get a Removal or Response. The Account that was reported is not Mine and I would like for the Credit Bureaus to Remove it. Once this is removed can you please have them to send me a Updated Credit Report. Thanks.
Product: Debt collection

I did not receive a written or verbal notice giving me the opportunity to dispute or pay the debt. I was made aware of the debt when my credit report was pulled recently for a home purchase.
Product: Checking or savings account

BofA closed my account on XX/XX/ I wasnt able to get my funds out of the account. I have claims that shouldve been paid due to fraud in my account. The claims are still in review, that has nothing to do with the funds in the account presently. This bank has caused me to be in default with my bills. I need my money immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX  ( XXXX ) and XXXX ( XXXX ), has violated my rights. By not validating accounts in question to which I have requested time and time again. I will list the violation that these companies has done to me.15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 section 2 ; It's also stated a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692f ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 USC 1692f ( 1 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. These companies both has been in multiple lawsuits for not abiding the set forth by CFPB.