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

I have asked XXXX, XXXX, and Transunion to remove the following from my credit report : All credit bureaus have been reporting XXXX XXXX XXXX as a collections, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have not been provided a validation of debt and they are in violation of the FRCA laws, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX This is inaccurate credit reporting as I have no known information about any accounts reporting. I have disputed the items, and they are still failing to remove the and are reporting incorrectly on my consumer file. I want a purchase agreement to all accounts reporting showing full ownership of such accounts and also other documents so I XXXX review to see if this is actually an account that belongs to me or remove within XXXX  days. Transunion have been reporting the following inquires and they are fraud, XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXXXXXX VIA Dealer ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Card services ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ). They are reporting things I had no idea was in my name and all XXXX bureau XXXX XXXX my consumer rights.
Product: Debt collection

I went to court on this same debt from Jefferson capital from XX/XX/XXXX till XX/XX/XXXX went to court in XXXX Ohio the judge favored on my behalf and close the case and released all my money that was being held at the court. I had my lawyer amd they had theres my lawyer was XXXX XXXX XXXX amd there lawyer was XXXX XXXX XXXX it was said to be identity theft cuz when the case was open for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Now Jefferson capital are sending me letters again. When I call them they dont know any thing about it. This is been going on since like XXXX to XXXX.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under CMRE. I  requested a validation on XX/XX/XXXX as there was an account listed that I did not recognize as I have always had insurance that fully covers my medical. On XX/XX/XXXX I reviewed my credit profile again as CMRE had not responded and the account was still reflecting as not disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX XXXX Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belong to me and that all information is correct.
Product: Credit reporting or other personal consumer reports

Date TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Credit Report Errors Dear TransUnion Dispute Department, I am writing to formally dispute the inaccuracies on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). Specifically, I bring the following issues to your attention : Unresolved Identity Theft Report : On XXXX XXXX, I provided TransUnion with a copy of an Identity Theft Report filed with the FTC, as well as supporting documentation, requesting the removal of fraudulent accounts from my credit report. Despite your acknowledgment of this report, these fraudulent accounts remain on my report in clear violation of FCRA guidelines under 15 U.S.C. 1681c-2. 

Inconsistent Reporting and Deletion Confirmation : On XX/XX/XXXX and XX/XX/XXXX, I received correspondence from TransUnion confirming the deletion of certain accounts and inquiries. However, upon reviewing my credit report dated XX/XX/XXXX, these accounts and inquiries are still listed. This inconsistency demonstrates either a processing error or willful non-compliance with FCRA obligations to ensure accurate and timely updates to consumer reports. 

Bankruptcy Information Misreporting : TransUnion has stated that it verified and validated bankruptcy information as accurate. However, I have obtained a letter from the U.S. Bankruptcy Court confirming that it does not provide data to any credit reporting agencies. This misrepresentation is a direct violation of the FCRA u

nder 15 U.S.C. 1681e ( b ), which requires credit bureaus to follow reasonable procedures to ensure maximum accuracy. I have attached copies of the following for your reference : FTC Identity Theft Report U.S. Bankruptcy Court Letter Correspondence from TransUnion confirming deletions Please investigate this matter and provide me with a written response as required by the FCRA.
Product: Credit reporting or other personal consumer reports

I have provided all XXXX credit bureau with my discharge letter for my XXXX XXXX that was signed by the XXXX XXXX The XXXX stay on credit for XXXX years only all bills included is not suppose to have a statement saying potential negative on all the bills that were signed off in the XXXX XXXX XXXX wish has cause me to have lower scores and is staying that those accounts have balances and are still NEGATIVE. Each time I try to get credit for my XXXX XXXX I am turned down because of what all XXXX credit bureaus all providing. Each time I try getting back in school this information is still causing me a hardship for me and my wife by reporting inaccurate information on accounts that were XXXX through XXXX  XXXX that do not have a negative balance. I have no balance in my XXXX XXXX XXXX. I have started all new credit the account are to follow that are 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 account XXXX were all XXXX with XXXX balances. I would like the XXXX XXXX to be taken off of my report. They are not supposed to be showing any type of negative activities.
Product: Debt collection

This has been disputed numerous times. I have not received any validation of the debt that I owe. No paper work showing my signature. The dispute was sent back in XXXX so it 's well past the 45 day time for the response for the validation of this debt. It has also been over the 4 years so the statue of limitations has past to collect on this debt per the state of Texas debt guidelines. I would like this removed from my credit report.
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST. The unverified item listed below remains on my credit report in violation of Federal Law. In the results of your investigation, you stated in writing you VERIFIED that the item listed are being verified correctly. Who verified this account? You have not provided me a copy of any original documentation required under section XXXX ( a ) ( XXXX ) ( A ) and section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it. ) and under section XXXX ( XXXX ) ( A ) of the XXXX you are required to promptly DELETE all information which can not be verified. 

I demand the following account be DELETED XXXX XXXX XXXX - Account # CSXXXX Please remove XXXX XXXX
Product: Credit card or prepaid card

I was stationed overseas and experienced identity theft, two credit cards were opened on my name. One from Capital One and One from XXXX, I have never done any interactions with either bank before this issue occurred. The purchases and use of card was done in the US while I was overseas. I have attempted to resolve this with the companies but since I had no information other than my name and social they couldn't help me. I have disputed this charges through the credit bureus and Federal Trade Commission. I would appreciate all the help I can get, these cards have ruined my credit score, I have never missed payments in the past and now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX XXXX XXXX are are responsible for the following violations for reporting my EXPERIENCE With said creditor, Here is a list of improper use of my consumer report. 


XXXX XXXX XXXX credit card utilization XXXX XXXX XXXX credit card utilization XXXX XXXX XXXX XXXX  credit card utilization XXXX XXXX XXXX XXXX XXXX credit card utilization XXXX XXXX XXXX XXXX credit card utilization Under 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS Except as provided in paragraph ( 3 ), The term Consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW STATES : ( Consumer reporting agencies or experiences between the consumer ( Me ) and the person ( You ) *CREDITOR* Making the report is not included on my consumer report.

Utilization is an experience with the line of credit that was extended between the consumer ( Me ) and the person ( You ) *creditor* that is making the report. Congress states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports.

You have violated the FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which congress states IS NOT included on my consumer reports.
Product: Credit reporting or other personal consumer reports

It is very important that the CFPB enforces 15 USC 6805 as it is the given to them by Congress to enforce the aforementioned.

Experian has been notified by me on several occasions to update my consumer credit report with the proper information with respect to the consumer. It is my hope that swift attention is brought to this matter ASAP. 

In XX/XX/2023, I informed Experian of errors on my credit report. However, they have not properly updated my report. 

In XX/XX/2023 the I was notified by the IRS of cancellation of debt from XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. 

Experian is still reporting charge offs to my report. However, a charge off is considered a certificate of indebtedness which is income and income can not be reported on a CREDIT report. 

I ask that the CFPB enforces this so that Experian can correct this terrible error for once and for all.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I was pinned with several late payments up to 90days ... Capital One Never Sent my Billing Statements To The Correct Address. Ive tried to dispute this with them several times and they refused to do anything about it. If anyone take a close and careful look at my payment history with this company or any other company on my credit profile Ive never been late or missed a payment. The statements was being sent to an address I had no association with. They have me paying on time with XXXX in the month of XX/XX/XXXX but 30 days with the XXXX and XXXX. Then 30 days late with XXXX in the month of XX/XX/XXXX but in the same month 60days late with the XXXX and XXXX. 60 days late with XXXX in the month XX/XX/XXXX but 90 days late with with the XXXX   and XXXX. In the month XX/XX/XXXX XXXX 90days late but now we have on time payments with the XXXX and XXXX. So as you can see the information have been reported incorrectly the entire time they was sending the billing statements to wrong address. Now they want me to pay the price for they mistakes ... All I want is for the all the late payments to be removed. For a loyal customer since XX/XX/XXXX with no late payments ever. I feel that them making a an adjustment to correct the late payment will be very satisfying to a loyal customer. All late payments should be removed immediately. Reporting inaccurate information is terms for deletion according to FCRA.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 TransUnion, XXXX, XXXX credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX Bal. {$5300.00} XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$4300.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$3300.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$3200.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$250.00}, XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$950.00}, XXXX XXXXXXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX Bal. {$940.00}, XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$240.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$220.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$150.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602, establishes the importance of consumer reporting agencies like Equifax, XXXX, and XXXX conducting their substantial responsibilities with fairness, impartiality, and respect for consumer privacy. Under 15 USC 6801, it is mandated that financial institutions maintain an ongoing duty to honor customer privacy and secure sensitive personal information. As such, XXXX XXXX, categorized as a financial institution, is bound by these provisions. Specifically, 15 USC 1681 section 604 allows consumer reports to be furnished solely with the consumer 's written permission.

However, I have not provided XXXX XXXX or the mentioned consumer reporting agencies with my consent, in any form, to share my information. Furthermore, under 15 USC 6802, a financial institution is prohibited from disclosing personal information to unrelated third parties without informing the consumer of their right to prevent such disclosure. I was not made aware of this right by XXXXXXXX XXXX 

Moreover, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from including certain negative information older than seven years in their reports. Any reporting of such outdated adverse information by these agencies without my consent is a violation of the FCRA. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the dissemination of information by any entity if there is knowledge or reasonable belief that the information is incorrect.

Consumer reporting agencies are required by 15 U.S. Code 1681e to establish adequate procedures to prevent violations of section 1681c and ensure that consumer reports are only used for authorized purposes. Failure to maintain these procedures by Equifax, XXXX and XXXX would be non-compliant with the FCRA. Lastly, as per 12 CFR 1016.7, I am entitled to opt out of such reporting services at any time, which I am hereby exercising.
Product: Bank account or service

My boyfriend deposited a check into my account Friday the XXXX of XXXX at Wells Fargo bank. He made an error on the amount and changed it and intialed the mistake and proceeded with the deposit of XXXX dollars. The teller then accepted the check and did not inform him that they would hold the check availability until the XXXX of XXXX. They immediately withdrew the funds from his account and refused to allow me access to the funds so that I could pay my bills and see my doctors! I now have to make another appointment with my XXXX which will take at least 30 days before she can see me and cause me to run out of medication! If I run out of medication I could have XXXX! I have no one else to pay for my doctors visit or my medication. I ca n't even borrow the money from my boyfriend because Wells Fargo is holding all of his money. I can not believe it is legal to hold someone 's funds for 12 days! I am so tired of this banks illegal processes and their lack of customer service! They have caused me so much stress I almost went to the hospital today!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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: Checking or savings account

Good afternoon, HSBC has mishandled my accounts in multiple ways : from telling me to fill out an application to open up a savings account ( after I had already opened up a checking account ) to suspending my mobile and online banking after depositing a government check. I and HSBC tellers have had to wait on hold often times from 20-30 minutes. I called once trying to rectify the concern and had to hang up because I had been going from department to department without resolution and my lunch time was over. 

I have had to send in documentation, I have been in front of tellers and provided documentation and there is no way that this bank should be allowed to restrict access to funds for over 2 months after being provided with i.d., social security number and other information. 

The concerns were supposed to be rectified from prior complaints ( they were not XXXX & XXXX ). This issue began in the latter part of XXXX/first part of XXXX. I was assured that the matter of being able to access my account/my funds was handled : it is not. I sent an email and called on XX/XX/XXXX. It is XX/XX/XXXX : there has been no response and I do not have access to the money. I did take most of the money out when I visited the bank. However, I want the remainder of my funds. 

I called today and had to leave a message like before. 

Please assist me in retrieving my funds, closing the account, investigating HSBC practices and holding the employees responsible accountable ( up to and including termination ). 

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

I have a false collection on my account. XXXX XXXX XXXX has never been verified, and the amount determined due to the orginal creditor in court was XXXX dollars.. When I contacted XXXX XXXX XXXX by certified mail, they never responded. However, the company continues to send a fraudulant spreadsheet to companies such as each credit bureau and CFPB claiming that I owe money that is not owed. THEY HAVE NO PROOF THAT I OWE THIS MONEY. I have proven multiple times that the spreasheet they provide is incorrect and does not include things like cashiers checks that were paid to the orginal creditor. I have contacted the credit bureus numerous times as this negative amount is ruining my life. I am unable to get a mortage or have access to credit as this predatory company is destroying my life. I am now suing the orginal creditor in court for their actions that have completely devasted my life. Please help by stopping these companies from reporting inaccurate information that is ruining the lives of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 XXXX XXXXXXXX}.