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

Transunion did not cancel my subscription leading to ~9month of charges for services that was not used. In total, it amounts to {$250.00} of charges that I was not notified around. Tried to cancel several times over the phone and told it was cancelled but the charges continue to happen.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I reviewed my Equifax credit report and realized that there was and is incorrect information. I sent the first XXXX letters to Equifax on XX/XX/XXXX to request the elimination of accounts XXXX '', XXXX '' and XXXX '', gave them 30 days to delete the accounts and they responded that the information was correct and they did not delete anything I sent them a second letter on XX/XX/XXXX where I told them that I was giving them 15 days to show me how they verified those accounts and that if they did not have a way to prove then they should delete my accounts because they are destroying my credit. 
They responded again asking me to send them proof of address and a copy of my social security number. 
I sent them what they requested on XX/XX/XXXX and after 20 days they responded saying that " we could not verify your information, please send proof of address and a copy of the social security again, '' and they sent it to them. I sent again on XX/XX/XXXX. It should be noted that they can not verify my address but Equifax sends me letters to the address where I live, that makes no sense whatsoever that they ask me to verify the address twice. 
Since XX/XX/XXXX, I have been disputing with Equifax and they do not resolve anything, they do not want to resolve anything. 

According to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to XXXX XXXX XXXX they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. And according to XXXX XXXX XXXX this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable issue
Product: Credit reporting or other personal consumer reports

i sent a dispute letter to TRANSUNION about account " XXXX XXXX '' that it is reporting inaccurately and it came back " Verified. However, how could the account actually be verified if the last reported date is XX/XX/2023. Transunion stats it verified the account which wouldn't be accurate based on whats reported on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was wondering until now why this account is still showing as late payment XXXX XXXX XXXX. I disputed the accounts to the credit bureaus but they did not verify it. This need adjusting. CFPB please make the necessary correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I am looking into my credit and I see addresses that are not mine possibly belong to a family member or another person. I was married so my last name has changed from XXXX to XXXX. Please make note or update the correct information. My currently and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE DELETE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple names on report. The names of XXXX XXXX, XXXX XXXX are not my name and they are showing up on my reports.
Product: Debt collection

Illegal eviction was filed and a consent judgement was rendered with no charges as of XX/XX/2016. The collector is trying to collect a debt that is not owed. In addition to the attempt to collect a debt that is not owed I am also currently trying to delete the filing of the eviction off my credit report considering it was illegal and the creditor initiated the dismissal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates, XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX noticed me a year back of a collection account. Portfolio Recovery Acquired the collection acquired debt in XXXX in the amount of {$700.00} dollars from XXXX XXXXXXXX XXXX The debt was actually from XXXX but they are showing this collection as starting in XXXX The debt is  actually five years old not three as indicated on my credit report. Numerous attempts to get Portfolio Recovery to change the dates have failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I send a dispute letter to transunion they send me this letter. ( I will upload the letter ) I believe this to be a stall tactic on Transunion part to grant them an additional 30 days to comply my original request, but I believe it to be a blatant violation of the FCRA. I questioned the accuracy of a few items on my credit reports, this was send by certified mail XXXX XXXXXXXX XXXX XXXX XXXX XXXX. It appears obvious to me that Transunion is abusing their power under the FCRA to escape a complete investigation. 

Here again is the inaccurate information being reported : XXXX. XXXX Account Number : XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. I AM PLACING YOU ON NOTICE THAT THIS ACCOUNT IS INACCURATE. 

XXXX. XXXX XXXX Account Number : XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. I AM PLACING YOU ON NOTICE THAT THIS ACCOUNT IS INACCURATE. 

XXXX. XXXX XXXX Account Number : XXXX - METHOD OF VALIDATION. How are validation this account as accurate when it is reporting a balance and 120 days late on a charge off. Delete this Account. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 

2. The date you contacted the individual funishers of information. 

XXXX. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 

Please take notice that this letter dated XX/XX/XXXX  is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX  XXXX - {$2700.00} XXXX XXXX XXXX XXXX  # XXXX - {$5400.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year>2023, the company trapped us in aXX/XX/XXXXscheme promising to build an XXXX in our backyard and manage its rental to provide income better than any investment like stocks and bonds. They provided three lenders in the agreement and 1 of the 3 Sunlight Financial, refuses to refund our XXXX. The other two agreed it was a scam and refunded XXXX XX/XX/XXXXXXXX and XXXX XXXX. Sunlight refuses despite clear evidence that we have no goods or services provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in touch with XXXX multiple times and they do not want to clarify on my claim due to the fact that my identity was breached in the 2017 XXXX XXXX XXXX  scheme and then my name has been traded in foreign capacities that I was unaware of as as well as domestic I do not agree I do not consent and I didnt definitely did not receive compensation for any of the activities and has ruined my life completely now I demand a remedy as of what I state in my resolution statement and I promise its all in good faith because I pledge allegiance to the flag of the United States of America and to the republic for which it stands one nation under God indivisible with liberty and justice for all amen
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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I opened an credit card acccount with Bank of America based on a zero ( 0 ) %  finance charge for 18mos on a balance transfer. When the account was established my line of credit was set at {$7000.00}. On or around XX/XX/2020, Bank of America lower my line of credit to {$5000.00}, without any notification or justication. I have never missed any payments, have have excellent credit score above 747, no deliqencies or bad debt listed on any credit reports. 

Bank of America had refused to acknowledge or justify the lowering of line of credit, told me they would have to place an hard inquiry on my credit profile to increase line of credit. 

I believe Bank of America decision to lower my credit was based on racial annums and profiling and targeting of XXXX American consumers. Bank of America offered balance transfers with high line of credit only to turn around to lower consumer line of credit with full intention to lower consumer to affect their debt to credit ratio and lower their high credit scores. 

In addition, Bank of America has been charging late fees for ontime payment fraudlently over charging their customer fee. 

I want to file a formal complaint against Bank of America for targeting minorities with high credit scores and intentionally using their product to lower credit score by  lowering credit limits without legal justification and notication to consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Equifax is duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting XXXX in accurate late payments for the XXXX  account, which does not have an account numbers to reference to. These include XXXX 90 day late payments posted in XX/XX/XXXX and XX/XX/XXXX, XXXX 60 day late payments dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XXXX 30 day late payments dated XX/XX/XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, 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 re. 
from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under 'he following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecte consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletions of these accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND THEY PRETENDED TO BE ME AND THEY OPENED FRAUDULENT ACCOUNTS AND CHARGES. I HAVE REACHED OUT TO BOTH COMPANIES AND THEY HAVE NO PROOF TO PROVIDE TO ME WHO HAS OPENED THE FRAUDULENT ACCOUNTS.
Product: Checking or savings account

This is about the transaction i made on XXXX XX/XX/2022 for an amount of XXXX $ using my Capital one Debit card, the merchant is XXXX ( at XXXX XXXX in XXXX ). The process at the casino was that, using a advance cashing machine.. i should do the transaction and the machine will give me the receipt. I will get the money only when i provide the receipt to the cashier, but i never provided the receipt to the cashier and didn't took the money. 

When contact, the merchant confirmed that they have reversed the transaction and sent the money back to the capital one on that itself, they have shared the proof to me. 

I have shared the proof with Capital one, during the second investigation, which started on XXXX XXXX.. but they were not resolving this issue at all. 

Its been over 1.5 month since the issue started and i was not getting any sort of help from the bank. Their customer service is pathetic and wont give any status update, will ask to wait to hear from their investigations team ( who will never provide any update ). 

This is going nowhere and customer like me are impacted. Below are the XXXX contact details. 

XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : XXXX
Product: Credit reporting or other personal consumer reports

This is my follow up complaints dated XX/XX/2024. I see that some of the account on my credit report was inaccurate when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

XXXX has repeatedly reported this debt amount of {$70.00} with an account # XXXX to my credit report and it has been transferred to several different collection agencies. I have spoken with XXXX twice via phone with the first person named XXXX confirming that I did not owe the amount and it would be removed, and the second person who would not provide her name refused to answer any of my questions and advising that my account was no longer with them and had been transferred to Diversified Collections. I specifically asked them to confirm what dates this bill amount was for as I paid my final bill amount on XX/XX/18 and immediately transferred my phone number to XXXX as of XX/XX/18, thereby closing the account. Clearly, the first representative blatantly lied to me. I will include emailed receipts as well as the documentation for the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happen to me. There are many unknown student loans open under my name and other suspicious accounts that do not belong to me. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$3900.00} DPT ED/XXXX  XXXX {$2200.00} DPT ED/XXXX   XXXX {$4700.00} DPT ED/XXXX XXXX {$1400.00} DPT ED/XXXX  XXXX {$5100.00} DPT ED/XXXX XXXX {$11000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX   XXXX {$12000.00} DPT ED/XXXX  XXXX {$4000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$4700.00} US DPT ED XXXX {$28000.00} XXXX/XXXX XXXX {$0.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$860.00}
Product: Debt collection

After checking my credit reports, i found a collection with a company, XXXX XXXX. I am unaware of this debt. I sent a letter to this company on XX/XX/XXXX asking for them to validate this debt by sending me something with their company bearing my signature. I sent the letter certified mail with return receipt. They signed for the letter on XX/XX/XXXX. After 31 days with no response from the company. I mailed a 2nd letter on XX/XX/XXXX which they signed for it on XX/XX/XXXX. The second letter asking them to remove this debt from my credit report since they broke the federal law by not providing me with a copy of any viable evidence bearing my signature, showing the account is being reported accurately. As of today 's date I still have not received any communications from them yet they are still updating my debt with XXXX. This showing on my credit report is hurting my credit worthiness.
Product: Checking or savings account

I was charged XXXX fee when it shouldn't have worked.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB COmplaint what happened In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX mortgage incorrectly credited a payment to principal and then reported a 30 day late, when in fact, they had the payment and a I had sent a second payment once I was notified ( only via XXXX XXXX almost at the 30 day limit ) so they had a double payment. I am on a credit monitoring service. I complained to both the monitoring service and XXXX XXXX. I have tried spending hours on the phone to get no where with XXXX XXXX. Their customer service is rude. I have uploaded the complaint letter and documentation to this website. XXXX XXXX never even acknowledge receiving my complaint. In frustration with them, I paid that mortgage off and now that account is closed. I would like to get my XXXX credit score back. Their reporting has dropped my score to XXXX. Please help me fix this error which XXXX XXXX will not even acknowledge.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally request the immediate removal of an account listed on my credit report that is not only inaccurate but is currently involved in pending litigation. This account does not reflect the reality of my financial situation and is, in fact, a matter of legal dispute at this time.

As you are likely aware, accounts involved in litigation should not be represented in the same manner as accounts that have been settled or closed. The inclusion of this account is both misleading and harmful to my credit report, and I am taking legal action to resolve the matter. Given the ongoing litigation, it is critical that this account be removed from my credit report immediately to prevent further harm to my credit score and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion are showing several accounts that are not mine and a result of identity theft / fraud. 
I am prepared to file suit against all 3 bureaus as this is causing a lot of conflict when I am applying for things. 

XXXX : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off 2 times on report XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection 2 times on report XXXXXXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection 2 times on report / XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection Transunion : XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX XXXX : XX/XX/XXXX {$530.00}
Product: Checking or savings account

On XX/XX/2007, I purchased a Certificate of Deposit from XXXX XXXX XXXX XXXX XXXX located in XXXX, Florida XXXX. The Account # is XXXX. The Amount is {$10000.00} Interest 4.780 for a term of 7 months. ( copy attached ) also have the Deposit ticket for {$10000.00} ( copy attached ). 
While going thru my safe recently I found these items in the back of the safe. 
XXXX XXXX has been taken over by PNC. I went to PNC about two weeks ago and was told that they have NO record of this CD. I would like to cash the CD. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX