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

I called TransUnion on XX/XX/XXXX to get rid of the inquiries that were removed and placed on my credit report again. I was a victim of their inquiry issue.My inquiries were deleted and added back my TransUnion because of their glitch. Transunion didnt send any paperwork about the inquiries that were added back. Transunion placed those inquiries on my report without my knowledge.Customer service would not help and take care of the negative inquiries reporting on my credit report. 

These are the inquiries that Transunion placed on my report.

XXXX XXXX Date Filed XX/XX/XXXXXXXX/XXXX Date Filed XX/XX/XXXX Type Department, variety, local, regional, and national chains Phone Number ( XXXX ) XXXX Address XXXX XXXX/XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX-XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record XXXX/XXXX Date Filed XX/XX/XXXX Type Department, variety, local, regional, and national chains Phone Number ( XXXX ) XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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
Product: Debt collection

REMEX INC MEDICAL DEBT COLLECTION in the amount of {$600.00} Original creditor is XXXX XXXX XXXX at XXXX Opened on XX/XX/2022. 

I never received any documentation or written notice regarding this debt collection. I found about it today when it showed up on my credit report. This is adversely affecting the interest rate on my student loans - I had a near perfect credit score of XXXX with XXXX that is being damaged by this unlawful collection. They did not fulfill their legal obligation to notify me in writing before marking the collection on my credit report. I immediately disputed the charge with XXXX and XXXX. When I called them to find out more and request an itemized bill or any form of written documentation, they claimed they had already sent it in XX/XX/2022. XXXX of XXXX XXXX was extremely rude and accused me of lying. I am also filing a complaint with the XXXX. I dispute this charge in full it is unlawful, unprofessional, unwarranted and disgraceful. My credit score is essential for me as a young XXXX  looking to enter the industry and this is damaging my financial future. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 1.XXXX XXXX Account Number : XXXX Please remove it from my credit report.

2.XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
3XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

4.XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5.XXXX Account Number : XXXX Please remove it from my credit report 6XXXX Account Number : XXXX Please remove it from my credit report.

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

Closed a Discover bank account in XXXX, found out in XXXX that the account had a balance of {$5.00}, called then and they said I could only send a check. Promptly sent a check and said check was cashed a few days later. Discover told me over the phone that the account was paid but refused to give a letter or email stating that. They will not contact chexsystem, they also will not tell chexsystem that it is paid when they call therefore chexsystem will not remove the negative remark.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax 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 a Accounts : XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$23000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX Bal. {$7100.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$2000.00}, XXXX XXXX fin Account # XXXX date opened XX/XX/XXXX XXXX {$1700.00}, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1400.00}, online XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$1100.00}, XXXX & XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$270.00}. Inquiries : XXXXXXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported my Account late to the Credit Bureaus but whenever I Logged into my Account is said, it didn't separate the account due from past due so I paid it on the due, but they reported my Account 30 Day 's Late to the Credit Bureau 's I have never ever paid this item late ever. 

2nd Problem is with XXXX XXXX XXXX reporting incorrectly to all 3 Credit Bureaus that I paid my account late in which they applied the {$500.00} to my other car loan and didn't apply it to the correct car by the time I noticed it, I sent an extra {$500.00} to the past amount but the only reason it was reported late to the Credit Bureaus was because they credited the {$500.00} to the wrong car payment I have 3x car loans with this company a simple mistake but it's affecting my credit score a lot. 

XXXX is reporting a closed credit card 30 Days late 2 year 's ago in which also I never paid late
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liabilityIn multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 

XXXX. This account payment history is and error and in violation under 15 U.S. Code 1666 ( b ) billing error XXXX  XXXX Account Number : XXXX Update to Paid on time on payment history and never been late Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yelow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Product: Credit reporting or other personal consumer reports

I disputed some charges that were due to identity theft, and they decided that the charges were legitimate so I asked them what the process was that they went through to determine whether the charges were legitimate or not to verify the debt, and they never answered me so I asked them what information that they had gotten from the companies that verified that the debt was mine, and they never provided me with that. I asked them who they spoke to with the companies and they never provided me with that. They refused to remove this from my credit report and they refused to provide me with information that tells me how they determined that the debt was actually mine, which it is not and I cant get any resolution to this situation.
Product: Credit reporting

I originally received a mark on my Credit Report from XXXX for an account with XXXX. I disputed the information as the amount was incorrect, and I never received verification of the debt. The account has now showed up with XXXX, and I have disputed it for the same reasons. The CRA has previously removed the information for the XXXX, but will not remove the information for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1500.00}, dates open XX/XX/XXXX closed XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I bought a gift from " Google '' a XXXX $ gift card on the day [ XX/XX/XXXX ]. I can't redeem it till this day because I need to verify where I got it from. I sent the documents over and over but to no avail on the dates [ XX/XX/XXXX, XX/XX/XXXX I spoke to a customer service agent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX spoke to two agents one closed the chat on me halfway ]. So far not a single response from the emails and the agents told me to wait till their specialized team responded in which they didn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent for my credit repot & saw ir was low, so contacted Transunion, got the report and from there Transunion file # XXXX & 547 days later, the negative is NOT ME as I reported Identity/cyber theft how/why isn't it fixed after 547 days??? 
I called TransUnion on Wednesday, XX/XX/2018 inquiring to the status and the lady filed yet another ( 4th ) dispute??? I followed every direction and I thought it would be corrected by now?! 
I put fraud alerts on/with Transunion yet places i.e. XXXX XXXX still using my name? They l Transunion it seems did not provide other credit agencies that I am victim of cyber/identity theft so my credit is so low for my paying everything like a responsible person and no-one contacted me to ask if it is me taking out school loans when I paid mine off earning XXXX XXXX XXXX and paying it ...! 
My HELOC is now over {$100000.00} and I did not use any $ $ yet Transunion put fraud alert and money was directly being withdrawn as agent there should be {$1000.00} in that account insttera I owe all of that and got a phone call saying I can eaxgtend my HELOC although XXXX said it was closed but could not tell me why over seven ( 7 ) years ago????? What is going on because XXXX XXXX just giving me the run-around and I want my {$10000.00}!!!
Product: Debt collection

I have repeatedly tried contacting this creditor after he continued to call and harrass me even when I had set up a payment arrangement online to get this debt settled once and for all. This debt is more than 10 years old and he continues to try and sue me for it. The last time I had a dealing with them they would call me and I would call them back and try to negotiate with them and they would tell me I am in garnishment status so there is no negotiating with them. This was after I had already paid over {$370.00} to them to get them off my back. They continued to try and get my employment information and bank information and when I wouldn't give it to them they would hang up on me. They refused to take any reasonable payment plan I had to offer them so even when I agreed to the amount online it wasn't good enough and they kept telling me I was in default and in garnishment status and they wouldn't let me negotiate any reasonable solution. They just continued to hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of my previous request, I had found out that there were still erroneous accounts on my credit file that seems to be inaccurate. For that, I am submitting again this CFPB Complaint to express my dissatisfaction as I saw my credit report again. I want some investigation regarding these matters. The following accounts needs to investigate and be corrected or deleted on my file : XXXX XXXX Balance Owed : {$400.00} - Your listing contains multiple errors that are significantly damaging to my credit score. The balance, payment status, and date of last payment that you have reported are all incorrect, and I dispute their accuracy. Let me be clear : I have never been late on any payments, and I have always made my payments on time. Therefore, I demand that you update my credit report immediately, as required by law, to reflect the accurate information.XXXX  XXXX XXXX Balance Owed : {$0.00} - It has come to my attention that the item on my credit report is not only inaccurate but also completely false. The account in question is closed with a XXXX  balance, yet it is being reported as past due. I demand that you rectify this error immediately, as this false reporting is significantly damaging to my credit score and reputation. XXXX XXXX XXXX Balance Owed : {$2800.00} - This account 's payment history and status are disgustingly inaccurate. A charge-off MUST show a big fat XXXX  balance, no exceptions! Your careless mistake is screwing  up my credit and I won't tolerate it any longer. Either provide solid proof of the last payment, or get this garbage off my file ASAP!. XXXX XXXX Balance Owed : {$160.00} - The payment history and status on this account appear to be inaccurate. According to policy, a charge-off should have a balance of XXXX. This information is negatively affecting my credit, and I kindly request that you provide proof of the last payment. If this can not be provided, I would appreciate it if this information could be removed from my file.
Product: Debt collection

XXXX XXXX XXXX, they bought a XX/XX/XXXX credit cards for XXXX XXXX, in XX/XX/XXXX, XXXX XXXX XXXX report the credit company that I open a accounted with back in XX/XX/XXXX and they report that i have owned the account that shouldn't have in credit report I have contacted and they said they sue for a debt.. the accounted is from XX/XX/XXXX.. not XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is in response to complaint XXXX. You stated that the accounts in question were reporting accurately when I have provided proof that you are reporting incorrect information such as balances and late payment status. This is my final notice to your company regarding the inaccurate information. I am demanding that you communicate with XXXX to have the balances updated, and the late payments removed. How are you only furnishing negative information to XXXX. In your response, you stated that my account was updated due to forbearance so why wasn't XXXX informed. I will attach your response along with my credit report showing the inaccurate information. If this is not updated within 30 days, I will be seeking litigation in small claims court. I am tired of trying to correct your incorrect reporting when I can just sue your company for defamation of character and gross misconduct. Please be aware that FCRA violations can be awarded up to XXXX per violation. The account that is extremely inaccurate is the account that is reporting a balance of {$4000.00} to XXXX while {$3500.00} report to XXXX and XXXX. I will attach each account that is incorrect. Update EVERY account to paid as agreed never late immediately. I am also notifying my attorney just in case we have to go to court for your negligence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX contacted me about an unpaid medical debt from the XXXX XXXX XXXX XXXX system totaling {$130.00} in XXXX of 2024. This was a surprise to me, because correspondence had been spotty as XXXX XXXX  from California to North Carolina during XXXX of 2024 and also suffered credit fraud in the same period. 

I contacted XXXX XXXX to verify the debt, and checked with the XXXX XXXX XXXX XXXX system. I found I had a small balance, far less than {$130.00}, and paid it directly with the University of XXXX XXXX XXXX. However, XXXX XXXX did not respond to my request for verification and thus I can not validate their debt. 

Meanwhile, XXXX XXXX illegally reported this debt to all three credit agencies, impacting my credit. First, the debt has not been verified. Second, medical debt < {$500.00} is illegal to report to credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an American Express account card two months ago yet all three credit reporting companies are showing it opened as XX/XX/XXXX, for starters! In addition, it shows that I have a balance of {$620.00} for over a month, ANOTHER LIE!!! I have had a balance of {$2.00} for over a month and paid that off on XX/XX/2021!! I have told American Express on four different occasions to 4 different people that I want to CANCEL MY CARD!! I hate American Express!
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Cardinal Financial still owes {$190.00} on my delinquent tax bill as of XX/XX/XXXX. I have been trying to get an answer from them for 3 months with no luck. The reason for this amount was that Cardinal Financial short paid my delinquent taxes that they failed to pay in XXXX of XXXX. I have made numerous phone calls and emailed numerous times with no answers. This company has very poor communication skills unless they want you to refinance then they seem to be able to call consistently. 

I have had numerous Resolution Specialist with out resolution. 
Cardinal FinanciaXXXX paid a portion of my delinquent taxes on XX/XX/XXXX ( {$3000.00} XXXX. After about 5 months of calling and submitting a complaint with the CFPB. The payment was {$190.00} short. 

The collection agency gave the amount for the pay off to Cardinal Financial and they chose to short pay the amount. I believe this was a deliberate decision. 

I am waiting for a call back from XXXX XXXX. I left him a message on XX/XX/XXXX at XXXX am XXXX. Waiting 2 months for a call back is unacceptable. Waiting 1 year to have my tax bill resolved is beyond ridiculous. 

Someone at the highest level of this organization should be paying more attention to how their business is being run.