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

I was listed on Social Security XXXX XXXX XXXX database as deceased. 

Some how I discovered email and text alerts from XXXX that reported inaccurate data to TransUnion, XXXX, which had inaccurate accounts open, inquiries from U.S. Immigration, and 2 Public Records of Bankruptcy 's on my credit file accounts. 

I had to contact XXXX U.S. District Bankruptcy court and the Clerk sent a letter denying the fact they sell information to Credit reporting agencies and mailed me a letter.

I mailed USPS certified letters to XXXX and the data mining company aplogized and removed 2 Public Records do to inaccurate reporting. TransUnion and XXXX have NOT removed the Public Records under a different name. 

I have a police report and a signed Affidavit from FTC for Identity Theft. I mailed both TransUnion and XXXX the documents from Social Security Administration that my Social Security number was used as Identity Theft under false pretense. 

I am requesting that the 2 Public Records concerning Bankruptcy be DELETED and my name is correct in my credit accounts according to REAL ID ACT involving that correct spelling of my name on my state Drivers License, legal Name Change, Police Report, FTC Affidavit Notarized, and Social Security Administration letter showing my SSN was used as Identity Theft, which is a federal crime. 

So far, both TransUnion and XXXX REFUSED to delete inaccurate reporting information that is affecting my credit file to obtain credit. 

I discovered CFPB is suing TransUnion for this very reason violating my Consumers rights selling my private data and reporting Public Records and my first and last name inaccurately causing a hardship to obtain Consumer family and household credit from lenders.
Product: Debt collection

This was not sent in error XXXX XXXX XXXX  consumer by law at XXXX  information XXXX XXXX XXXX  misused at XXXX  I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into a loan agreement with   XXXX   XXXX   XXXX   XXXX   on  XX/XX/XXXX  was paying according to the loan. However the loan was sold without my knowledge, to Innovate Auto Finance in  XXXX  with my knowledge no information was mailed or phone call I continued to pay. The new loan company cut my vehicle off through GPS tracker that led me to believe there was a mechanical problem with the vehicle so I fell behind in payments. While my car was in the shop my car was repoed by the new company. I called them for the amount owed his exact words were my balance was  XXXX  and it was for an entire year until I disputed it off my credit file. They never mailed me any information of what the car sold for, my balance owed, or any information regarding the vehicle I made several attempts by calling, mailing letters with no response They told me I owe nothing. When I disputed the loan amount went from   XXXX   to  XXXX . I disputed it again they decrease it to  XXXX  dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting information of the paid/closed accounts be removed.
Product: Credit reporting or other personal consumer reports

To Delete Hard Inquiries - Account Inquiries 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 XXXX XXXX XXXXXXXX XXXX XXXX 

To Delete Unauthorized Negative Items - In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 A. section 604 A States a consumer reporting agencyncannot furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) 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 accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 146 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts with XXXX  XXXX XXXX that can not be found with XXXX  XXXX XXXX but is reporting on my report. I have opened various disputes but the account remains. I do not know what to do. 

One account is closed with a balance of XXXX and XXXX. 

Please help me remove these accounts.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the ( account name : XXXX XXXX XXXX ; Account Number XXXX ) or ( account name : XXXX XXXX XXXX ; Account Number : XXXX ). 

Please investigate and provide proof with statements showing that these payments were late and were not on time. If proof can't be provided I demand these payments be updated to on time as they should be as is Never late. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I noticed XXXX XXXX XXXX XXXX also known on my Equifax credit report as " XXXX '' account balance of {$1600.00}, to not belong to me. This account was opened as a result of identity theft, and was not authorized. I have disputed this item with the credit bureau 's and XXXX  and Equifax are still reporting this incorrect fraudulent unauthorized information. This is damaging to my personal credit report and I wish to have this removed immediately under the financial burdens of covid-19 financially, I would not be approved or considered possibly for new credit if needed.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 25 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I have submitted disputes for false inquiries on my credit report with XXXX, XXXX and no change has happened. Leading me to have to freeze my account. I am now at in which i feel as i am being taken advantage of with no support
Product: Credit card

I took a debt consolidation loan out from XXXXXXXX XXXX  on XX/XX/year> for XXXX. Loan was approved. Part of the condition of the loan was they would pay my 2 credit cards off directly. XXXX XXXXe was paid off but the second payment for my Apple Card for XXXX was sent to XXXX, they claim they never received it but the check has been cashed by apple-per XXXX XXXXXXXX. I have been calling BOTH creditors for 17 days. They each keep referring me back to the other, with NO resolution. Payment had the last 4 of my account and my name to reference. I provided the specific amount of my payment and they told me it would take up to 10 more Business days to research! A month to locate a payment is ridiculous! 
Consumers needs rights and clear deadlines for creditors to be held accountable for lost payments especially when its costing the consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm relocating to XXXX and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in e. minute. While checking my report I saw items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX/DOFED. There are some inquiries on there thats not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX. I have contacted the FTC and local police.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022, I attempted to access my account to make a payment. When I attempted to access my account, I saw that it had been blocked. I immediately contacted Citi who told me there was a technical issue that be resolved soon. After being unable to login for a week, I contacted Citi Executive Response who changed the reason for me being unable to access my account and stated that it had been blocked. I requested paper statements until the issue was resolved but they declined. A Citi representative also told me the account would not be reported to the credit bureaus until the issue was resolved, but on XX/XX/2022 they reported the account delinquent. Citi has made it impossible for me to make a payment on the account because of their IT issues.
Product: Mortgage

I am the trustee of my brother 's Trust and personal representative for his estate. I sold his home after his death, proceeds from the sale were sent to his Trust and deposited in a Trust account. Unfortunately, two subsequent checks stemming from the sale ( related to escrow and other matters that could only be accounted for after the date of the sale ) were made out to my brother -- not his Trust or estate. 

I was unable to deposit these checks prior to their expiration. One was for {$3700.00} and another was for {$3500.00}. If they had been made out to the Trust I could have deposited them, but it took me much longer to gain recognition as personal representative for his estate. I would have needed such recognition to deposit those checks -- made out to him.

I have copies of the checks and have been trying for more than two years to have them reissued -- made out to his Trust or estate. Complicating matters, the checks were issued by BB & T which was subsequently purchased by Truist. I have contacted Truist numerous times, everyone says they will look into it. No one ever calls back.
Product: Credit reporting or other personal consumer reports

I've previously informed your organization about accounts on my consumer report linked to identity theft, which I never authorized with a written signature. I'm formally requesting these accounts be promptly blocked and removed from my report. Their presence has caused me significant distress and inaccurately represents my credit history. I'm prepared to take legal action if this isn't addressed properly, as these fraudulent items have hindered important financial goals like purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

to Transunion, I XXXX XXXX, am not a third party. I am victim of identity theft. please see the attached FTC for your review
Product: Checking or savings account

-Problem with XXXX XXXX account -Error XXXX -Routing number has disappeared -Account number has disappeared -Deposits are not going through ( same day deposits advertised ) -Cash back rewards are unable to be redeemed XX/XX/XXXX - Contacted support, they said deposits would resume by Monday XX/XX/XXXX - XXXX support, they claimed the issue would be fixed within 24 hours
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I have a secured XXXX XXXX that is reporting a late payment on my account. On XX/XX/XXXX I mailed a money order in the amount of {$50.00} to their payment address stating that by accepting this payment XXXX agreed to delete all late payment reporting as it is negatively affecting my credit history. I was able to verify that they indeed receive my payment on XX/XX/XXXX and are still reporting delinquency on my account.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Debt collection

Had been with XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX ) for more than five years, contact them true agent at XXXX XXXX. 
When I retired in XX/XX/2020 from XXXX XXXX XXXX XXXX pay {$480.00} liability for six months got to expensive, call agent two months before to let insurance know, and start looking for cheaper, found it - {$220.00} for six months. XXXX decide I own {$79.00} for one more month, I pay always six months in full. 
Contact Insurance ( agent ) several times, no result. 
XXXX send to collection agency - Transworld Systems Ins. ( XXXX XXXX  Address:XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX PA XXXX ) ( Return Mail : XXXX XXXX XXXX XXXX. XXXX XXXX, DE XXXX, contact agency, ask questions - no answers. 
Please help
Product: Credit reporting or other personal consumer reports

Issue : Despite clear evidence of violations provided, TransUnion has chosen not to remove the debt, even though there have been no changes to the report. 

TransUnion Violations : 1. Failure to Provide Comprehensive Verification ( Code : TU-V1 ) : TransUnion neglected to conduct a reasonable reinvestigation within the mandated timeframe, as evidenced by insufficient documentation from Medical Merchants Credit . This contravenes FCRA Section 611 ( a ) ( 1 ) ( A ) and the corresponding Metro 2 standard, Field 76.

2. Delay in Responding ( Code : TU-V2 ) : TransUnion failed to respond within a reasonable period despite my letter dated XX/XX/2024, thus violating FCRA Section 611 ( a ) ( 1 ) ( A ) and the Metro 2 standard, Field XXXX. 

XXXX XXXX XXXX Violations : 1. Failure to Provide Comprehensive Verification ( Code : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  's documentation inadequately links the debt to me, violating FCRA Section 611 ( a ) ( 1 ) ( B ) and Metro 2 standard, Field 76. 
XXXX. Neglecting to Address Dispute ( Code : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  failed to promptly investigate and address my dispute, breaching FCRA Section 611 ( a ) ( 2 ) and the corresponding Metro 2 standard. 
XXXX. Shifting Burden of Proof to Consumer ( Code : XXXX ) XXXX XXXX XXXX XXXX  wrongly shifted the burden of proof to me, contravening FCRA Section 611 ( a ) ( 6 ) and its Metro 2 counterpart.

Please note that legally, since there were multiple FCRA violations, the assertion that this information is true and accurate must be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I want to write a compliant about Experian not taking into account the facts. 

I have tried to remedy this error five times with Experian and they keep responding with the same thing and not resolving the issue. 

I have one account that has a 30 day past due payment that is inaccurate due to a processing error on the vendors site ( XXXX ). After many attempts I was finally able to connect with the vendor and we agreed to resolve the issue. Experian is still responding with a generic resolution and not actually resolving or even attempting to resolve the issue. I have sent screen shots to prove this was an error as well. 

My payment was accepted and then not accepted do to XXXX  error. The payment was late due to website errors.I called XXXX they agreed this was a payment portal error. Screenshots were provided. Experian should remove this / good standing always. thank you Please resolve and remove this from my credit report asap. I beg of you remove this erroneous delinquency because its simply not true. 

My original dispute remains unresolved. Please remove it.
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my concern regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering the lost funds was impossible and that tracking these transaction was on feasible. The cfpb 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I noticed in my credit a collection under my name XXXX XXXX and the debt is not me. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Account # XXXX Creditor : XXXX Balance {$680.00}
Product: Debt collection

I recently disputed this account through the CFPB portal but I have not had a response from the collection agent or creditor. 
Case number : XXXX The details were as follows ; I have come across an item on my credit report that does not belong to me. An account was opened fraudulently without any acknowledgement ; This account was not opened with my authorization and I am unaware of the details of this account ; the balance reported or am I responsible for any debts occurred on this account. 

Please provide me with a copy of the application for service agreement verifying my authorization of the account in question through the CFPB portal for my receipt.
Product: Credit card

Someone got my credit number for my Amazon account and ordered XXXX XXXX. They did not change the address in my account and they were sent to me. I returned the XXXX XXXX and have the tracking number to prove they were returned to the warehouse. I have sent them 2 letters with all this information, .and a copy of the tracking slip to prove it was returned to the warehouse. The response I got was You have accepted responsibility for the charges. The purchased item ( s ) were shipped to your address. You authorized, participated in, or benefited from the purchase. I closed the card immediately when this happened. I do not want to pay {$200.00} for something I did not order and returned. They also added late charges for payment on my bill. They have continued to bill me and it has effected my credit score. I made a payment of a late charge just to get my credit score back up. It dropped by XXXX points,