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

I am filing this complaint against XXXX XXXX & Transunion. The three national bureaus are reporting incorrect information regarding a Chapter XXXX bankruptcy I filed in the year 2015. I have filed several disputes in the previous months to which I have not received responses. All three companies have not provided me any investigation results, they have only wasted my time and efforts in preparing disputes. I am on the verge of considering a big public lawsuit against the three national bureaus if my request is not honored. 

The closing date that TransUnion is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date TransUnion is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date that XXXX is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date XXXX is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date XXXX is reporting is unavailable. XXXX has failed to publish the correct information. 

The Bankruptcy filing date XXXX is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$23000.00} XXXX XXXX   XXXX {$190.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Mortgage

I used Guaranteed Rate to obtain a mortgage. The mortgage broker advised I would get a " float down '' so that if the rates dropped before closing I could ( once ) reduce my borrowing cost. He indicated that the rate was 3 % and the mortgage would be sold to XXXX. 

Within a few weeks mortgage rates dropped. I decided to shop around and found a rate through the same bank the loan was being sold to, for the same loan amounts ( down payment, purchase price, loan amount, duration, etc ... ) Guaranteed Rate was arranging for me for my property for a rate of 2.875 %. I was declined the float down by Guaranteed Rate, notwithstanding on two occasions providing written proof of the lower rate offered for the XXXX XXXX  loan. 

In addition, my personal information privacy was violated, including disclosing loan documents as well as my SSN without my consent to other parties. 

I have complained about this on multiple occasions to my mortgage broker, his supervisor and have gotten nowhere. They offered to put me through to Guaranteed Rate customer service. I never got a call, letter or email. Subsequently they provided me the direct email for their customer service. I emailed them advising that I had rate and privacy concerns. It's been about a week with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy. 15USC 1681 Sect
ion 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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 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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX & XXXX XXXX Account Number : XXXX Account Name : XXXX FCU Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

On XXXX I requested an investigation to remove inaccurate information from my credit report, i.e. accounts that are not correct or not mine and address and phone numbers that don't belong to me! The credit bureau has failed to investigate and or remove these inaccurate items. This is my second attempt to have these items corrected. But the credit reporting agency refuses to investigate and provide me with validation.
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 XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting

There are fraudulent inquiries which appear on my credit report, do not relate to any transaction ( s ) that I have made
Product: Credit reporting, credit repair services, or other personal consumer reports

I wasn't sure how to classify this. InXX/XX/XXXXI filed a complaint against NACA here w the CFPB about a problem I was experiencing with their counselors at the local office. When I initially filed the complaint, I explicitly asked for the NACA office to truncate my information so that those involved in the incident did not have access to my personal information. The DM never responded as to how he was going to secure my personal information. 

Recently, I was NACA qualified and sent back to the local office in XXXX. I am now finding out that in XXXX of XXXX, someone at NACA pulled my credit report without my authorization and they're telling me I can't purchase a home without paying for the credit report. I did not authorize NACA to pull my credit in XXXX of XXXX. I was actually in the process of getting a new remote XXXX from XXXX to XXXX so I was not even an active participant of NACA in XXXX of XXXX. Someone at NACA pulled my credit report without my authorization and this leads me to believe someone there is trying to steal my identity as there was no other reason for them to pull my credit. This violates the FCRA as I did NOT authorize my credit to be pulled. I want to know why my information was not secured when I spoke with management about the issues I had and advised them my information needed to be secured at the XXXX office.
Product: Credit card or prepaid card

i have a sams club master card issued by Synchrony bank. every month when statement comes in i pay the full amount, Example latest statement with due date XX/XX/XXXXbalance of {$2200.00} as soon as statement came in i paid the full amout they credited my act. XXXX so as of that date i should have the full credit amount to use of {$3800.00} but they put a hold on my act and say i only have like {$600.00} to use. I called the cust. service number and the agent i spoke to has no clue why she had no answer. she agreed with me when i said because i pay in full every month this bank doesnt want to deal with me as im not a asset to the stock holders and they are not making a high interest off of me So there not making it easy for me and trying to discurrage me from wanting to use there card
Product: Debt collection

I hope this message reaches you promptly. I've followed the correct procedures in disputing these accounts reaching out to the bank, filing a report and affidavit with law enforcement through Identitytheft.gov, a federal agency, and contacting the credit reporting agencies. XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$10000.00} and XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$3600.00}. This matter requires urgent attention, and I request that you handle it with the swiftness it deserves.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence. 

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Product: Credit reporting

Last year while searching for an apartment in XXXX XXXX, it came to my attention that on my credit report TransUnion XXXX XXXX XXXX had XXXX evictions on my report. After contacting Transunion, they told me that I needed to contact XXXX XXXX XXXX XXXX XXXX XXXX. Which I did. After speaking with a gentleman named XXXX, I learned that my name was included in eviction paperwork that was filed, and then was withdrawn. During that time, my mother and her previous landlord settled an issue in civil court. This also showed up on my credit report as an eviction. My attorney told me that the information should not have been on my credit report, nor should it have shown up as XXXX evictions. He also stated that because it was a civil matter, that the credit company should n't have had access to the information. 

I sent the credit bureau several documents which included copies of the release of the case and the withdrawal which included the landlords signature. After submitting my documents and waiting for their response TranUnion, sent me this response : " The eviction filings and judgments information included in the report provided to XXXX XXXX XXXX on XXXX/XXXX/2016 was derived from public records from the Housing Session Court. Based upon our investigation we have confirmed that this information is accurate as a dismissal. " I asked the Transunion to remove the evictions on my report last year in a letter stating that they were not evictions. It is now a year later and I am seeking to rent another apartment in XXXX XXXX and these same evictions are coming up on my record and preventing me from moving forward with my search. 

This morning I called TranUnion and they told me they were indeed dismissals and would open another dispute claim to find out why there not removed last year. My lease is up in less than a month and I need to move. I am seeking your assistance in this matter, because alone I have not been able to get my credit report amended.
Product: Debt collection

I checked my mail today, XXXX21 and I received a letter dated XXXX21 from a company called Allied International Credit Corp, XXXX XXXX XXXX  XXXX XXXX, XXXX VA. 
The letter is a collection letter, stating they are collecting for XXXX and I owe {$300.00}. 
I know by my records that I do not. I contacted XXXX and they confirmed that I do not have an outstanding balance. 
I am certain this is a scam and checking on the XXXX Community website I'm not the only one receive this letter. 

They want you to contact XXXX XXXX at XXXX. 
Their website is " www.aiccorp.com ''. 
Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RECENTLY OBTAINED CREDIT REPORT AND NOTICED ACCOUNTS I DOD NOT AUTHORIZE
Product: Credit reporting or other personal consumer reports

I am a victim of XX/XX/XXXXThe information listed below, which appears on my credit report, is the result of thatXX/XX/XXXX 


CLOSED ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX 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 XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX  XXXX   XXXX  , OH XXXX
Product: Debt collection

In my previous complaint, the response I received is as follows, " We have to respond to your request for validation of your account. XXXX did provide that and the information that was sent out is all that is necessary to validate that it is your account and it is still owing. We did respond back to you when you were requesting a settlement on this account as XXXX does not settle out their accounts. You then sent another dispute form in which we did respond back to you on XX/XX/21 that we indicated we have already provided you with validation of the account. You then again sent another dispute form in which we did not respond to you as we stated in the last letter we sent you back on XX/XX/21 that we would not respond to any more dispute letters. I have verified again today that you still owe on this account. You can call us at XXXX and we would be happy to work with you on this. Your account is marked as disputed. '' This is a joke. There is a huge different between debt VERIFICATION and debt VALIDATION. I asked for the following information more than 4 times and never once received any of it : *Agreement with the creditor that authorizes AAMS to collect this alleged debt *The agreement bearing my signature that I have agreed to assume the debt *Valid copies of the debt agreement stating the amount of the debt and interest charges *Proof that the Statute of Limitations has not expired *Complete payment history on the account along with an accounting of all additional charges being assessed *Show me that AAMS are licensed to collect in my state ; and *AAMS license numbers and registered agent *Proof of oral and written demands made. 

The ONLY thing I received was a bill that had personal medical information on it. This is a violation of HIPAA. Then I received a letter than they refuse to respond to any more letters. This is not professional at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion investigated XXXX XXXX  and XXXX XXXX  several times. I reported the furnisher to the Attorney General of PA, and they reported that no adverse activity is on my report to AG Office of consumer protection of pa. I am requestingnthat the adverse action reporting be removed as they also stated all payments are being made on time!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tackling these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit card or prepaid card

I called in XXXX and requested that I be able to move my credit limit from two of my citi accounts ending in XXXX and XXXX to my XXXX   card XXXX. When I spoke with this person in the other department I was informed that I could not move the credit lines from the two other accounts and to call back and try again after the statement cut said okay and hung up. I WENT ONLINE TODAY AND DAY THAT THIS AGENT CLOSED MY ACCOUNTS WITH OUT MY AUTHORIZATION. 

I AT NO TIME SAID YES GO AHEAD AND CLOSE MY ACCOUNTS I WAS NEVER READ A DISCLOSURE I HAVE THE ENTIRE RECORDING MYSELF I SUGGEST THAT YOU GO PULL IT!
Product: Credit reporting or other personal consumer reports

Disposition date- XX/XX/2018. Case date XX/XX/2018. Theft charged was amended and I plead guilty to disorderly conduct not theft.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. Your agency is in violation! 
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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Vehicle loan or lease

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.