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

I recently received a copy of my XXXX, TransUnion, and XXXX credit report, and I noticed some late payments posted on my credit report : Place late accounts here : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) 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 ; Definitions : Consumers means an individual.

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple fraudulent inquiries that I have disputed with original creditor that confirms that they should be removed. I have sent the same dispute to Trans union on multiple occasions and I was informed that they will not dispute then or remove them. Trans union reps informed me that I must contact the original creditor to have them removed, in which I have done so. The original Creditors informed me to dispute with trans union. I have requested validation from trans union on these inquiries on my credit report 4 times with no response or reply. the inquiries of question are for listed below : XXXX Dated XX/XX/XXXX XXXX XXXX XXXX BRANCH OF XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX For Dates ONLY XX/XX/XXXX & XX/XX/XXXX These accounts and Dates I did not do business with these organizations and/or authorize my credit file to be pulled.
Product: Debt collection

XXXX, XXXX, XXXX IS Obligated by the FCRA to report accurate accounting. Consumer has advised All the accounts, all the inquiries reported was fraud. Said companies had 4 days according to LAW to remove such items. and block from being on the report while conducting an investigation. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX. XXXX. XXXX TO provide the documentation used to determine these accounts and inquiries was indeed authorized by the consumer. XXXX. XXXX. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-Oscar report
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel taken advantage of since my disputes are being ignored. XXXX explicitly states that failure to review an item within 30 days will result in its immediate removal from my credit record. Since more than 60 days have passed, these entries must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have several issues on my credit file. I have only one name and it should appear as XXXX XXXX XXXX!! Please remove all other variations of my name. My DOB is XX/XX/XXXX my SS# XXXX please update. i HAVE NEVER LIVED IN XXXX  OHIO please delete remove the following addresses: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 XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX OH XXXX  , XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX  OH XXXX, 1XXXX 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. Please forward me a copy of my updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, the name and address below listed on my credit report are not nor have ever been an address in which I resided and do not relate to me. It is the result of identity theft. I have contacted Equifax XXXX and XXXX many times to have a solution to their inquiry issue and they have refused to remove or respond to my letters in the time frame given.
Product: Vehicle loan or lease

I got a car loan with Stellantis Financial for a XXXX XXXX XXXX. My first payment date was XX/XX/XXXX, I went on their online portal to make a payment. My debit card was not going through so I decided to use my checking account. 2 days later, {$720.00} came out of my bank account and then another 12 days later, another {$720.00} came out of my account. I called Stellantis and they repeatedly stated that the payments were returned and did not come to them. I then called my bank as I saw both payments on my statement and they confirmed that both payments went through and provided me the e-check numbers. I then called back Stellantis, provided them the information and was told a manager would reach out to me. No call back. I am then called again stating my account is past due. I emailed over my bank statements that SHOW the payments were made and nothing was returned. I was then told I would receive a call back from a manager. No call as of XX/XX/XXXX and on my online portal, it shows my car was forwarded for repossession. When looking at XXXX and XXXX  reviews, I am not the only person that this has happened to. as of last month, this has happened to 3 people, via reviews. I am not sure what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I received a 7 inch XXXX tablet via XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IA XXXX. 
I called the Company and spoke to XXXX, then XXXX. They couldn't connect me to their Fraud Department, but said it would take about 2 weeks for me to receive a return mailing fraud package from them with a form for me to complete. 
In checking on line, this Company is listed as sending packages to victims ; items they did not order and haunting them for payment. I am returning this item but I am very concerned about my credit and what information they have of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and originally belonged to a corporation with no personal guarantee, so I am not responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or wet-ink signature for this debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. Further, any member of a corporation could sign for a bill owed by the corporation but that does not make the signer personally liable for the company 's debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported this derogatory mark to credit bureaus without verification and I disputed the alleged debt through Experian on XX/XX/2021, the same day the alleged debt was reported. The dispute was closed by Experian on XX/XX/2021 with the following comment, " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' Again, no discovery or verification of the alleged debt took place. It is possible that I received a phone call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during which the collection agent attempted to elicit information from me regarding the alleged debt without first stating that the purpose of the call was an attempt to collect a debt. It is also possible that consent was not obtained from me prior to recording the call as I may have taken the call in the privacy of my home. There are multiple complaints filed against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the CFPB Consumer Complaints Database and with the XXXX XXXX XXXX The negative mark has caused a significant drop in my credit score. I'm worried that this false reporting and failure by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian to validate the debt before reporting the negative mark will adversely impact by ability to pass a background credit check as part of the onboarding process I am going through to secure employment during the COVID-19 pandemic. According to FCRA and FDCPA, XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi my complaint is too major credit bureaus experian transunion and XXXX i found 2 accounts on my credit report that were fraudulent.I tried to fix it sent them an FTC report opening a dispute.Every time it comes back as verified as accurate.And thats when i realize how incompetent they are and how not serious they look at fraudulent information on your credit report.I mean you check your credit report you see inaccurate fraudulent accounts you dispute them and it comes back as verified as accurate? I can not say what investigation they are doing but the results are shocking what can i do from my end for these type of information to disappear from my credit report? I did FTC report and here is the FTC report number i will also attach the copy to this complaint.FTC REPORT NUMBER XXXX. 
First one is XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX Second is XXXX XXXX ACCOUNT NUMBER XXXX Third is XXXX Account Number XXXX Also There are some personal information that is wrong and inquiries that are also fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX # XXXX ACCOUNT XXXX  XXXX # XXXX Account XXXX XXXXXXXX # Account XXXX has violated my rights. 

U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting

I was notified of this charge by XXXX of XXXX. I told them this was not my bill, I did not apply for credit, charge anything to them and asked for a copy of the signed agreement of credit and/or credit charges so I could prove that was not my signature. They refused to send me them. I explained my x-husband has used my name and ss # before to get credit and skip out. He previously charged house furniture to a company in XXXX and I have had car repo people show up at my house to repo his truck. I tried to get some kind of proof from XXXX that this was my bill. I have never been to XXXX, do not intend on going there, and I would remember if I had open credit. I did not start getting credit after my bankruptcy until recently. I believe because they can not locate the rat I was married to, they will try to pin it on me. I 'm just starting to get myself back in ; the good, and I do not need a foot holding my head under water for something I did not do.
Product: Checking or savings account

I filed a complaint with you guys regarding my account being frozen for over a month now. Yall closed the complaint stating oh were going to let you get your money go to the bank to get it. Yall wrote a letter and everything. I go up to the bank for them to tell me oh the fraud department said we cant do it like that because of certain transactions. Now IM XXXX. I WANT TO FILE A POLICE REPORT AT THIS POINT YALL ARE THE WORST BANK KNOWN IN THE ENTIRE WORLD. Every minute Im getting conflicting information. You can not steal people money yall make me sick to my stomach then to do this around the holidays ridiculous.
Product: Checking or savings account

There has been an identity theft and someone is trying to open fraudulent checking or savings account using my information with the following different banks or credit unions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Product: Credit reporting or other personal consumer reports

Code 15 US C 168 1b XX/XX/year> I spoke on the phone to a credit specialist regarding the close account from sensible auto, and then ask her to validate the debt, and she was not able to do it, stating that I should contact the original credit bureau in order to remove the step off my credit report. And then stated that I contacted sensible auto and 80 days ago and no one has gotten back to me to date. 

I have sent them FCRA letter and a consumer law letter stating, when a vehicle is sold it is no longer the persons which has reasons to believe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request XXXX credit bUreaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 
XXXX XXXX  XXXX Balance : {$22000.00} ; XXXX  XXXX  Inquiry Date XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Keep having to reset my password and still can not get into my credit monitoring account
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed a dispute with LENDMARK FINANCIAL SERVICES instead of fixing the problem they only updated a balance to XXXX.
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 XXXX credit XXXX XXXX XXXX XXXX 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 collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$6900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someon have commented inquirys along with fraud on my account and want justice from my pain & suffering + headache.
Product: Credit reporting

Hello, my name is XXXX XXXX and i have been trying to figure out what is wrong with my information at Transunion. I am unable to receive my credit score/report from them because i suspect that some of my information is wrong with them. I am able to receive my credit score/report from XXXX and XXXX but am unsuccessful with Transunion. I suspect that because of this problem with them i am unable to be approved for credit at numerous locations including retail stores. I have called Transunion countless times and they ca n't do anything about it over the phone. They give me information saying they 're going to talk to their " IT Team '' and there 's nothing else i can do. A lot of time has passed and i have received no response or any information regarding the status of my credit report or why i am unable to get a credit score/ credit report from them. I would like for this to be resolved so i can receive a credit report from them and have no further problems involving wrong information with their bureau.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX 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: Debt collection

1. I am not certain what or how I came to owe this company.

2. The address listed in the complaint is more than 20 yrs old XXXX XXXX XXXX XXXX, XXXX NJ and the filing date was XX/XX/12 at which I was at my current address at XXXX XXXX XXXX XXXX XXXX, NJ XXXX 3. I have tried to contact this company but can not pin down a viable telephone number or address.

4. This was filed in XX/XX/2012 and I filed for Bankruptcy on XX/XX/2012, so it should have been included, but does not appear except some where of public servers.