23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On my transunion credit report XXXX collections were deleted. I notice the deletion on XX/XX/XXXX and today XX/XX/XXXX I noticed they are back on with the same collection agencies.I never received any notice in writing from them to put them back on my report for whatever the reason may be. I called transunion to ask why are these collections reappearing he, XXXX stated something about a composition glitch. I could of misheard him to his strong accent. Than he hung up on me. So I come to you due to major aggravation and no understanding. I want them deleted like they should have been. When did it become ok to take items off and just put them back on and deal with rude csa agents at the bureau? Help Me, please
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. 

I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. 

I DO NOT have accounts with Capital One or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 

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

There is a collection amount for {$140.00} from XXXX, I've never done business with nor have I applied for any apartment with the company listed above. I had made a dispute with TransUnion to investigate and to provide proof with documentation of my signature bearing my obligation. There is no account number, etc. This information is frivolous.
Product: Credit reporting or other personal consumer reports

aIn 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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit card

My credit card expires in XX/XX/2023 and Im trying to pay my XXXX bill in the month of XXXX and the bank told me that I need to activate a new card before it will allow me to pay my bill electronically
Product: Credit reporting or other personal consumer reports

Subject : TransUnion 's Violation of the Fair Credit Reporting Act - Urgent Assistance Needed Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing an ongoing issue with TransUnion, who I believe has repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ). 

On XXXX separate occasions, I have disputed incorrect bankruptcy information listed on my credit report, and each time, TransUnion has failed to conduct a proper investigation. 

The details are as follows : - XXXX : I submitted my first dispute regarding the incorrect bankruptcy information. TransUnion claimed to have investigated the issue, but the record remained unchanged. 
- XXXX : I filed another dispute, and on XXXX than XXXX hours laterI received an email stating that they had again investigated the matter and the record remained unchanged. Given the rapid response, it is clear to me that they simply reused the results from the previous dispute without performing a legitimate investigation. 
- XXXX : I made a third attempt to dispute the bankruptcy record. On XXXX at XXXX XXXX I received yet another email indicating that TransUnion investigated XXXX public record and found no changes. 

I requested in writing that TransUnion provide me with their method and procedures for investigating the dispute, but they have failed to respond appropriately. As of now, they have not provided any proof of proper investigation or compliance with the law. I am left with an incorrect bankruptcy record on my credit report that is not mine, and TransUnion is continuing to disregard my rights. 

The bankruptcy record in question belongs to my father, XXXX XXXX, who has a similar Social Security number and previously lived at my address. I have never filed for bankruptcy, yet TransUnion refuses to correct this mistake. 

I am seeking your help in documenting this neglect and holding TransUnion accountable for their failure to comply with FCRA. If they do not remove this incorrect public record, I plan to take legal action. 

Please help me get the relief I am entitled to. TransUnion 's actions are not only irresponsible but deeply distressing, as they are profiting at the expense of consumers like me. 

Thank you for your time and attention to this matter. I look forward to your guidance and support. 

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

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm filing a complaint about the data breach from Equifax. I heard about it on XXXX XXXX, 2017 and  have found that my information is at risk.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX  - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

I have been a victim of a data breach and victim of fraud and identity theft. The accounts listed under or never opened using my consent, or permissible purpose or authority. They were used to using my personal private nancial information without proper permission. These companies never investigated or made contact with me to validate the accuracy of these accounts. Experian, XXXX, and XXXX XXXX, along with the creditors are in violation of FCRA federal law as I was never contacted to validate the account mentioned, and you XXXX be held liable pursuant to federal law title 15 USC 1681o and title 15, USC 1681n for willful and non willful negligence. Pursuant to FCRA 605B and Title 15 USC 1681c-2 I demand these accounts to be removed within four business days as permitted by federal law
Product: Debt collection

I had XXXX credit card accounts with Chase banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, Chase bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for Chase bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.
Product: Credit card or prepaid card

I closed my Best Buy card with Citi in XX/XX/XXXX. At that time, there was a residual balance of {$300.00} remaining on the card. Citi immediately restricted access to the online banking portal and statused my card as closed, preventing me from accessing the online payment portal. Through this action, they also prevented me from accessing online statements. When I attempted to access my online portal, they provided no information as to why I couldn't access the portal, but forced me to reset the password. After resetting the password, the online portal said I could not log in. When I called for assistance, Citi informed me that because I had " chosen '' to reset my password, it now prevented them from allowing me access through the online portal. However, they forced me to reset my password. 

I also needed to retrieve past statements for my XXXX tax filing, and Citi informed me the only way to receive statements would be have them mailed as paper copies since I couldn't access online banking. They citied that it was " more secure '' to place my statements in the mail then sending through a truly secure online process and they have no way to send financially documents securely. Just to reiterate that, the fourth largest bank in the nation with over {$1.00} XXXX in assets has no way to send documents securely online. 

In XX/XX/XXXX, I paid off and closed several cards with other major credit card issuers including XXXX, XXXX, and XXXX XXXX. None of those card issuers have restricted my access to my online account even today and even for cards with a now {$0.00} balance. 

I find it UNFAIR that Citi restricted access, when a balance of {$200.00} is still oustanding on the card and also prevented payment on the card online. I find it DECEPTIVE that they forced me to reset my password and by following their online password reset, in turn preventing Citi for restoring access to my online account. I find it ABUSIVE that they do not provide access to statement and online research while I still owe them a balance and continue to make monthly payments on time. It has caused me HARM as now I will be unable to research additional tax deductions in a timely manner for my XXXX tax returns, preventing me from taking additional financial deductions for my business expenses.
Product: Mortgage

Approximately 18 months ago I restructured my mortgage due to financial hardship with NationStar Mortgage. I was behind in my mortgage and facing the possibility of foreclosure. After all was said and done, I wound up with a 40 year mortgage, with payments only approximately {$200.00} less a month than what I was currently paying. 
At the time of this restructuring, I only had 7 years ( {$68000.00} ) left to pay on my home that had a market value of {$150000.00} to {$180000.00}. When I asked why I had to pay such a high long term cost for this restructuring, I was told that there were attorney fees, late payments, etc. At the time I was approximately five months behind in payments. I was told that after I reestablish better credit I could refinanace for a better term. 
With all that considered, I believe a 40 year mortgage term in order to save my home is a bit excessive. In the end I am paying NationStar approximately {$500000.00} for a {$68000.00} loan. 
I am not sure what recourse I have, if any but any advice would be greatly appreciated. I can provide greater detail if there is a possibility that I have a legitimate complaint. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX
Product: Debt collection

XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$5900.00} These accounts are reporting inaccurate and is a result of identity theft Ive reached out to XXXX and spoken with XXXX ( XXXX XXXX ( XXXX ) - fraud monitoring department she stated that there was no opened account and will request to have items blocked and removed from all reporting credit agencies Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps on report to the credit bureau negative information about me. I did contact them twice, they're referring me to another company name : self lender. In wich they have provided me with a phone number XXXX However, when ever I try to reach them, they never picked up the call. I need your help. I don't have much credit, now it getting worse, because of those people who did offer me a service, then you can't declined it
Product: Credit reporting

I have been battling with Equifax for over one year now with disputing over and over an account that was as a result of identity theft. They claim that it 's been verified but that impossible because I never lived at what apartment that company XXXX says and I was in a different city. So basically Equifax looks like they have a business relationship with XXXX and they get paid to keep items on credit reports NO MATTER WHAT. This is very upsetting, and I hope Equifax 's will try to help some of those people that need it. It 's been over 30 days and I still have not received the procedures for verified account, and they 've been dragging on the past sometimes the 45-day mark. I 've attached a police report and other stuff. That this place said, they needed. 

Thank you CFPB! Please keep finding Equifax for deceptive practice!
Product: Debt collection

My medical insurence already paid that bill and the third party is trying to collect it from my person illigaly
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 XXXXeporting agency , 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  XXXX  XXXX XXXX on XX/XX/XXXX with a balance of {$120000.00} 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 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 # ( private case number ) 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 card

XX/XX/2023, I reached out to the credit department but nobody has reached out.
Product: Payday loan, title loan, personal loan, or advance loan

I've been XXXX  for 10months up until 3 weeks ago. This company has been hounding me for payment since XXXX even with the known circumstances. It got to the point even after I requested charge off and settlement they wouldn't work with me. The loan is for XXXX XXXX XXXX for the household. Super fancy fire detector, carbon monoxide, water detector which comes with a very high interest rate similar to a CC. Our last interaction included me requesting charge off and settlement again I even asked for them to notate the account again. I still receive daily phone calls multiple times from Multiple numbers even if I try to block them because of the consistent pressures to try and fix a subprime loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquires on my XXXX, XXXX and Equifax that I didn't authorize at all! I have sent several disputes to XXXX, XXXX and Equifax however nothing as been done! I need these removed asap per the law! I have litigation pending for all 3 credit companies regarding this. I also need ALL PERSONAL STATEMENTS REMOVED FROM MY XXXX, XXXX and EQUIFAX REPORT INCLUDING FRAUD ALERTS. AGAIN, I NEED ALL PERSONAL STATEMENTS REMOVED INCLUDING FRAUD ALERTS. I have resolved all of these matters and don't need them anymore! 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX  inaction violates federal law and my rights as a consumer.
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 3 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 deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$220.00}