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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my new account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

Recently checked my credit report and I noticed that I have been a victim of identity theft and I found numerous credit requires I have no knowledge of, here are the enquirers I have found ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Experian XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Experian Experian XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

According to the Fair Credit Reporting Act ( FCRA ), past due accounts can only remain on your credit report for seven years from the first date of delinquency. My account with XXXX XXXX XXXX become delinquent on XX/XX/2010. The first date of delinquency is in excess of seven years ( 7 ) and should be removed from my credit report. In addition, a collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed. I have filed disputes with the respective credit repositories -- but both accounts continue to be listed as negative / outstanding items on my credit report.
Product: Money transfer, virtual currency, or money service

- on XX/XX/2023, TD bank sent a letter stating that they do not have an inquiry as the BOFD from XXXX  of funds improperly withdrawn from my XXXX personal Account. 
- on XX/XX/2023 received a letter from XXXX stating that they have sent two requests to receive the funds back.- ( please see the last two pages of the document as proof of letters sent to TD bank ) SEE ATTACHED NOT A DUPLICATE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed via tracked usps XXXX to transunion it was received on XX/XX/2021. Transunion has failed to respond to my letter even after confirming its receipt. I attached a copy of my request along with receipt of the letter. The missing and inaccurate data is still reporting.
Product: Debt collection

Conns collection efforts and the communication tactics are ridiculous and disturbing while at work. I have previously complained regarding the amount of calls received on day and their response is are not able to remove the automated calls that go out. 

Conns calls me on my company cell phone at least XXXX times a day. Sometimes the calls are back to back within XXXX time frame even after leaving messages on cell phone. I have told them I am getting calls while at work and its interfering with work. I understand they are trying to collect and it is my responsibility to pay which we do pay even if late but the collections tactics on repeated calls is bad. Our car loan lien holder never makes these amount of calls on a day on a way much more higher loan amount then what we have with them.
Product: Credit reporting or other personal consumer reports

I mailed in several certified documents to Experian regarding an inaccurate bankruptcy showing on my credit report, the informed me that the gathered the information from XXXX XXXX which in NOT TRUE. I have documentation form XXXX XXXX showing that they DO NOT HAVE A BANKRUPTCY FOR ME IN THEIR SYSTEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2017 TIME XXXX I CALLED TRANSUNION CREDIT BUREAU ABOUT FRAUDULENT INQUIRIES IN THE Account Review Inquiries AREA. I SPOKE TO XXXX XXXX IN THE FRAUD SPECIAL HANDLING DEPARTMENT. I LET HER KNOW THE FRAUDULENT INQUIRIES AND THE AREA OF THE INQUIRIES SHE STATED FIVE DIFFERENT TIME SHE CAN NOT DISPUTE INQUIRIES IN THIS AREA, I KNEW THAT WAS NOT THE TRUTH. I GAVE XXXX XXXX FIVE DIFFERENT TIMES TO CHANGE HER STORY SHE PUT ME ON HOLD FOR 15 MINS.  AND CAME BACK AND SAID HER SUPERVISOR IS GOING TO LET HER DO IT. XXXX XXXX IS IN VIOLATION OF 15 U.S. 1692 FALSE OR MISLEADING REPRESENTATIONS, AND 15 U.S. 1681-2 REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERROR. I STATED TO XXXX XXXX THAT THESE INQUIRIES ARE FRAUD.
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. 

XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 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

In XX/XX/2021 I filed a dispute with XXXX because their bureau was still reporting that a Capital One account that I am an authorized user on had been closed. In reality, the account was open. In the dispute I asked XXXX to verify that the account is open with Capital One. 

On XX/XX/XXXX, Capital One received a notification from XXXX that I was disputing this account. Capital One initiated a dispute investigation and responded to XXXX, asking them to delete the account from my credit profile, instead of telling XXXX that the account was open. This is not the outcome I wanted. More than four months have gone by and XXXX will not reinstate the account until Capital One reaches out to verify that the account is open. 

I would like Capital One to contact XXXX to let them know this account was deleted in error and I would like Capital One to verify that I am an authorized user on this account, and to include it on my credit report.
Product: Credit card or prepaid card

On XX/XX/2020 Comenity Bank website suffered either a hack or misconfiguration that allowed me to see at least XXXX other client accounts. The information that I was allowed to see was user name, phone number, full name of client, and account charges/payments activities. 

Maybe I would have seen more had I looked, but I was assured I would see nothing but what would be publicly accessible. I was also assured the site was not hacked. 

As a note, I recorded my screen for 2 of 3 clients while the site was " misconfigured. '' On XX/XX/2020 I made a complaint against Comenity Bank with the XXXX XXXX XXXX 

On XX/XX/2020 I received a secure message from Comenity Bank, which explained little or nothing. It did not say whether my account had been compromised, whether they were notifying all clients, nor what they would do to prevent further occurrences. 

On XX/XX/2020 the XXXX  said the case was closed, whether I accepted the resolution or not.
Product: Credit reporting or other personal consumer reports

It's my understanding that FCRA 605B necessitates the deletion of any incorrect accounts from my credit report. Could you review the paperwork, please? Several listed accounts display inaccuracies in reporting, with incorrect amounts and dates.
Product: Credit card

I have been an American Express member for XXXX years. I have always had my payments on automatic payment for XXXX years. 

This month, without cause or reason, Amex cancelled my account. 

When I called to discuss this, I was bounced around from XXXX foreign country call center to another. I could not understand what the agents were saying half the time, because they could not speak proper XXXX. 

My last experience with American Express, left me feeling not so " American ''. 

What I could understand from the conversation was my account was cancelled for " collections ''. 

How can you cancel an account that is XXXX XXXX XXXX for " collections '', when I have NEVER BEEN LATE IN XXXX YEARS? 

Is this how you treat a XXXX year customer?
Product: Credit reporting or other personal consumer reports

I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and the shocking absence of Metro 2 compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations.

Upon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and Metro 2 data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. 



In light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the 2020 Consumer Reporting Resource Guide ( CRRG ) standards jeopardizes the integrity of dataa matter of grave concern.

Furthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with Metro 2 standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and Metro 2 standards. 



In accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. 



Furthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that may comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by CDIA in their CRRG, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt or credit management

I received an e-mail on XX/XX/2023 from an XXXX XXXX from XXXX telling me that I owe {$1200.00} to LVNW Funding LLC on a debt from XXXX XXXX XXXX, XXXX. 

I never heard of the bank nor did I even file any loans from that bank. 

I am providing screenshots of said e-mail with this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , 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 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX -- - Balance : {$590.00} XXXX Funding -- - Balance : {$340.00} Hard Inquiry : XXXX These accounts have led to unauthorized hard inquiries and fraudulent collections appearing on my XXXX credit report. I do not recognize the listed accounts, collections, or inquiries, as they were not opened, initiated, or authorized by me. All of these items are the result of identity theft and fraud. For verification, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from the U.S. Federal Trade Commission.
Product: Debt collection

This company made numerous phone calls to both my work and cell numbers on a daily basis. When voicemails were left by the company, they never specified what the debt was in relation to. In addition, in their voicemails, the first part of the company was inaudible ( as if deliberately done to conceal the full company name ) ; I could only make out " Portfolio '' so I had to do some research on the phone number showing up on my caller ID ( XXXX ). Upon doing a reverse phone number search of XXXX, I was only then able to ascertain the name of the caller as : " Cavalry Portfolio Services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times with Transunion about adding someone else information on my credit report. Misleading information on my credit report has caused people to show up at my house ( I have been afraid for my life ), Calls to my employer, and unfair credit decisions have caused me frustration and XXXX. This has made my life a living XXXX for over ten years, and they keep adding this person to my report. I have called disputed, and they will sometimes delete it, but a year later, I see it back on my report. At this point, I am filing a lawsuit because I should be getting monetary suffering. Transunion has made my life a living XXXX, and at this point, I would like their legal office to be involved. My latest dispute, XX/XX/2022, resulted in the information as accurate and was left on my report. This is the 3rd or 4th time I had to dispute this same information, and I know I will have to do so in the future because what is stopping them now from adding this lady 's information back to my report.
Product: Mortgage

Been trying to get a mortgage modification for several years since XXXX. Went to court and case was dismissed been working with legally aid society from XXXX XXXX and XXXX XXXX XXXX XXXX. I always submit my document on time and now the responses I received for denial is that my credit report is blocked. A credit report cant be blocked, but security freeze and Sent proof that my credit report does not have any security freeze from all 3 credit bureaus. Also requested for them to tell me what credit bureaus they are trying to pull from so I can resolve the issue and they do not give me a response.I have been sending proofs and this XX/XX/XXXX resubmitted another loan modification packet with all requested documents and they denied me again in XXXX saying my credit report couldn't be pulled due to it was blocked. This has been going on for several months and its getting very aggravating.
Product: Debt collection

On XX/XX/XXXX a young man by the name of XXXX XXXX contacted my husband about legal papers that would be served to me on Thursday, XX/XX/XXXX. I was confuse, so I contacted XXXX and he stated that he had authorization to serve me papers. So when I asked him papers for what he told asked me was this the first time hearing about this. I told him yes and I wanted to get more information about the debt. So he stated to me by law they should have notified me about the date before legal papers are served. XXXX XXXX connected me with a XXXX and when XXXX answered her line she indicated that she was with XXXX XXXX and she was collecting a debt for XXXX XXXX, she stated that XXXX XXXX has sold the account to her for collections. She told me the debt was for XXXX and they did not collect it from my bank so she is trying to collect it. I told her I did n't get notification from XXXX XXXX or XXXX XXXX and I need to get notification that the debt was not paid. I explain to her that XXXX XXXX did n't call me or did n't send me any correspondence about a debt, so how is it that XXXX XXXX want to serve me papers on something I am not aware of. XXXX for XXXX XXXX stated that by law XXXX XXXX does not have to notify me and the account has already been sold to them. She demanded XXXX by XX/XX/XXXX and indicated that she could take another XXXX on a later date and that would settle the debt. I told her ok, but before I give my credit card number over the phone I need paper work explaining the debt and where I could send the paper work too. XXXX indicated the only way I could get that information is to lock in a payment with her today and I refuse to give her my personal information over the phone. I called XXXX XXXX head quarters and they explain to me that the debt was sold and no they did not notify me because they just sold the account on last month. They indicated that they sold the account to XXXX XXXX XXXX and the number was XXXX but they never heard of a XXXX XXXX XXXX First they called my husband about the debt and secondly they gave me false information about the debt. and I never received collection notifications about this debt.
Product: Student loan

I have not been entered into the Federal SAVE program. I make XXXX per year. The monthly payment they assigned me has changed from {$900.00} to {$500.00} to XXXX over the past month. Now they are saying I have to pay {$1400.00}!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX is balance showing. Dates on account closed as of XX/XX/2019. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 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 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Transunion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note I was very alarmed when I learned that Freedom Mortgage reported me as 30 days late for the month of XXXX. I was not late in XXXX at all, as can be evidenced by the payment made on XX/XX/XXXX. Please note the attached XXXX Statement clearly showing that the the XXXX payment was received/ A payment of {$3400.00} was made on XX/XX/XXXX. The due date is XX/XX/XXXX. The payment was 14 days late, and shouldn't have been reported at all. 
Please correct the reporting and report the account as current. I have never been late on this account as I am enrolled in autopay. 
Please see the attached Mortgage statement clearly showing that the payment was made on time, as well as a screenshot of my current reporting depicting the 30 day late reported by Freedom mortgage
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024, I called to ask 1st Franklin Financial about a repayment plan other than the one initial made with loan that was lower because I was struggling to pay the loan due to lost of employment and receiving government benefits that was decreased due to overpayments instead of going to court. 

I called also on XX/XX/2024 for the same reason but the response was going to court and receiving a judgment to repay in XXXX days or garnishment of wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian credit report. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX. These inquiries are a act of fraud and done without my consent. On my XXXX credit report XXXX XXXX XXXX XX/XX/XXXX is a act of fraud. I have XXXX inquiries from XXXX XXXX. XX/XX/XXXX & XX/XX/XXXX. I currently bank with this institution. Contacted them regarding these inquiries. I was told it would be looked into and removed. No results. I don't know if this is fraud or a mistake within the institution. I have no knowledge regarding these inquiries. Please remove asap. Thank you