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

I am writing to TRANSWORLD SYSTEMS I agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting TRANSWORLD SYSTEMS I agency to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act XXXX XXXXXX/XX/XXXX you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with XX/XX/XXXXappropriate proof of the identity of the consumer XX/XX/XXXX a copy of an identity theft report ; XX/XX/XXXXthe identification of such information by the consumer; and XX/XX/XXXX a statement by the consumer that the information is not relating to any transaction by the consumer. 
XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Debt collection

I received a settlement offer for a debt XX/XX/XXXX and replied with a written validity request/dispute on XX/XX/XXXX. As of XX/XX/XXXX I learned the debt was sold following my dispute, failing to provide me information within the 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I checked my credit report for the first time in a long while. I noticed MULTIPLE accounts that were NOT authorized by me, as well as MULTIPLE addresses I have NEVER been associated with. Some from other states! 

My score itself was so low due to these unauthorized accounts. The total debt accumulated from these unauthorized accounts is roughly {$10000.00}. 

I IMMEDIATELY contacted each creditor via phone AND letters. Called creditors the same day ; XXXX XXXX sent Letters via mail a few days later, still in XX/XX/XXXX. I was then advised to submit an identity theft report as well as a police report. These were completed in XXXX of XXXX. 

I sent in everything necessary to resolve these issues. I am a single mother and have been working to buy a home for me and my daughter. 

I sent letters, waited 30 days, NOTHING- I called the creditors- NOTHING. I am desperate to fix these issues. I keep getting the run around and no resolution. It is now approaching XXXX. I feel defeated and am asking for all 3 major bureaus to help assist me in investigating these fraudulent accounts and having them removed so I can move forward.
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was never late. I have reached out to XXXX on numerous occasions to adjust the file as such over the past years. Most recently on XXXX  its reporting XX/XX/2019 as 60 days late which isnt even possible because 60 days havent transpired. This obvious error resulted in me not being approved for credit and potentially losing a job opportunity. They continue to move late payments to alternative inaccurate dates rather than updating the all 3 credit files as never late. Im asking that XXXX update all the 3 credit files as never late and remedy the ongoing issue.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX2018 I received an email from a person named XXXX XXXX stating that they wanted to buy two party dresses I had for sale on a website called XXXX. I was asked how much money I wanted for the two dresses and gave the amount of {$130.00}. I was also asked for my name and my address to send a check to. I was told that I could be met in person in a public place for these items to be picked up. After this, I had not heard from this person except for multiple excuses for why this item was not purchased and why the check was not sent out. On XX/XX/, 2018 I received  a check in the mail from an XXXX XXXX from XXXX XXXX, Kentucky. The cashier 's check was made out to my name, but the check came from XXXX XXXX for XXXX. The check is coming out of an account from PNC Bank in Illinois, This was a lot more than the {$130.00} I asked for. When I emailed XXXX to tell him I received the check, he told me movers would be coming for this item and I would be paying for them to come move these items. They wanted {$500.00} in XXXX gift cards. At this time, my bank- XXXX XXXX told me the check was fraudulent because there was no such person and no account from PNC Bank XXXX and bounced in my bank account. As a result, my bank account is closed until I can make a payment. Since I can not make any payments on my checking account and credit cards, my credit card minimum payments have skyrocketed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX5 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX is reporting improper information, false information, social security fraud identity theft by third party creditor by XXXX XXXX XXXX 
XXXX is reporting False or misleading representation. 15 U.S CODE section 1592e _ ( Ability recovery service is reporting False and misleading information and representation in violation of 15 U.S CODE section XXXX. and is committing consumer fraud and identity theft. XXXX is committing Social Security fraud as a pattern and practice. There are trying to collect a debt that is ready paid i full. This is bribery and extortion by XXXX who is using XXXX as a window to commit this fraudulent act. .15 U.S, C section XXXX XXXX section XXXX violation by 15 U.S.C 1681c-1 XXXX XXXX XXXX 15 U.S.C 1682 violations FTC violations, CFPB XXXX. 15 U.S.C section 1681sXXXX violations by all party and their representing agencies and insurance company 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an 'alert ' that there was a NEW credit INQURY placed on my credit reports on XX/XX/2018. This information was reported by a Company called XXXX. 
I contacted XXXX on XX/XX/2018 at XXXX. I spoke to XXXX at XXXX to let her know that I DID NOT authorize any credit check on my account. I was told by XXXX that the request was made by Wells Fargo Bank. I explained that I had NO Business with Wells Fargo Bank, I did NOT AUTHORIZE any transaction of credit from Wells Fargo Bank. XXXX told me she would issue a dispute. I NOW receive a letter dated XX/XX/2018 from XXXX on XX/XX/18 indicating " our client Wells Fargo '' ordered your credit report through XXXX that contained credit info based on each of the NCRA 's. We contacted Wells Fargo BANK NA and informed us that it accessed your credit report pursuant to your verbal authorization connection with a mortgage transaction '' I NEVER authorized Wells Fargo to run a credit report, I HAD NO MORTGAGE transaction current with Wells Fargo, the last MORTGAGE I had was over 10 years ago in the year of XXXX This is preposterous VIOLATION of the FCRA , and I also called Wells Fargo at XXXX, who gave me the run around. PLEASE look into this wrong full credit run from XXXX.
Product: Debt collection

Hello, I have a defaulted payday loan with XXXX. It was eventually taken over by XXXX XXXX aka GMA Investments. I believe in paying what I owe, so I made an agreement on XX/XX/18 with " XXXX '' at XXXX to have {$25.00} taken out of one of my credit cards every month. When I saw the {$5.00} cash advance fee also taken out, I called XXXX back up and cancelled this arrangement and stated I would call back to make another arrangement. Today, XX/XX/18, I was notified via email from my credit card company that this company tried to take out another {$25.00}. Totally unauthorized. I called XXXX and asked why. He stated " well, you never called back to make other arrangements. '' Isn't this illegal? Please advise. 

Thank you,
Product: Credit reporting

I have sent XXXX letters to Experian Credit Reporting Agency now in regards to old debts on my account from 2004. The FTC says these debts should drop off your credit report after XXXX years. I notified Experian that these are still on my credit report, yet after XXXX months have not had one response in regards to them and they still show on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX 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 wrote to XXXX XXXX to ask them to validate their claim that I owe them for this bill. They are not the original creditor and failed to provide a bill of sale and the original contract is with the original creditor. They failed to provide me with a bill of sale. 

XXXX XXXX is reporting on my credit file with all 3 credit bureaus that I opened an account on : XX/XX/XXXX, This is false. The original creditor is already reporting this debt. 


Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1600.00} High Balance {$1600.00} Remarks Account information disputed by consumer, meets FCRA requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I had XXXX XXXX and missed a payment, I was never notified that I was late, or behind and no obvious information was available to let me know of a problem.FIVE months later, a rep from XXXX XXXX XXXX contacted me about a problem with my account and wanted me to verify info because I do not verify incoming call information. I logged into my account, saw a problem, fixed the payment issues, and assumed all was well. Now XXXX is reporting me late four months in a row despite me giving them money every month. Their lack of notification on this matter corallites very conveniently to when I need to refinance this loan. They have knocked my credit score down almost 150 points and will be expecting me to refinance my loan with a sub 650 credit score which GREATLY benefits their bottom line. 

My stance is here IF I had been notified on any level other than 1 email per month, I would have taken care of this immediately. They are taking advantage of the situation, keeping me from a home purchase and ruining my credit score. I have had one late payment in the last eight years ( an oversight at {$32.00} due to switching primary banks ). With these egregious reports, my financial freedom is in jeopardy because they did not notify me about a matter as grave as my credit score. And their " courtesy notifications '' seem to be entirely arbitrary as to when they will let their customers know there is a problem with their account standing. 

I sent them a dispute letter on XX/XX/XXXX and didn't receive a reply until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDCO is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Credit reporting or other personal consumer reports

The vehicle was repossessed. The following report is not reporting as a repossession and has no repossession date. This reporting is inaccurate. The inaccuracies are highly injurious to my credit score. You failed to investigate this account properly after I asked you to do it THREE TIMES and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted the following complaint to CFPB : " On XX/XX/XXXX, I contacted Transunion to resolve unauthorized inquiries on my credit report. I called and asked to speak with a US representative. I was on the phone for over an hour getting hung up on and transferred to multiple departments. I recently pulled my annual credit report and noticed many inquiries that were removed had been slowly added again. They were added during the data breaches of XX/XX/XXXX and XX/XX/XXXX. They were later removed, but have since been reinserted. I was told that it was not possible to remove them. I did NOT receive a written 5 day notice informing me about the breach or transunion reinserting the inquiries. This is a violation of the FCRA. Transunion may not continue to violate my rights. 
Please remove the inquiries that were added back. I have included a list of inquiries that should be removed. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX   XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Pleas do not reinsert these. Thank you. '' The company ( Transunion ) responded via mail and stated that they would not be removing the inquiries. According to the FCRA, these inquiries NEED TO BE REMOVED WITHIN 30 DAYS. Transunion is violating my rights and this will not be tolerated any longer. Please remove the inquiries and send my new report to the address that you have one file.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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

I have tried to resolve this with TransUnion before, this is my last attempt before filing suit. 
The following inquiries need to be deleted from my credit reports as I did NOT authorize them! 

1. XXXX XX/XX/2018 2. XXXX  XX/XX/2018 3. XXXX  XX/XX/2018 4. XXXX XXXX XX/XX/2018 5. XXXX XXXX  XX/XX/2018 6. XXXX XXXX XX/XX/2018 7. XXXX XXXX XX/XX/2018 8. XXXX XXXX XX/XX/2018 9. XXXX XXXX XX/XX/2018 10. XXXX XXXX XX/XX/2018 11. XXXX XXXX XX/XX/2018 12. XXXX XXXX  XX/XX/2018 I did NOT authorize anyone to check my credit.