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

T

his CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TRANSUNION Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate employment : XXXX XXXX XXXX XXXX These accounts have resulted in XXXX fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX  credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the XXXX Federal Trade Commission that all of the mentioned 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

Equifax has violated my consumer rights. They will not remove or fix a XXXX XXXX XXXX  account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, My complaint goes to the Credit bureaus XXXX, Experian and XXXX  because since XX/XX/2020 I have sent letters requesting that they rectify their errors presented in my credit report, I have sent 4 different letters during the last 4 months and no I have received any response from the credit bureaus. I demand that an immediate response be given to me regarding the claims previously made to the institutions mentioned above. 

I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. 

Below I attach the letters sent to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$7000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, L ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account Number : XXXX I have never been late on this account, despite the company claiming otherwise. I have submitted proof that Ive always made my payments on time, but the company has ignored my evidence. Additionally, how can the company report me as late in XX/XX/year>, but not in the previous month or the following month? All other months show on-time payments. This discrepancy needs to be properly investigated. This account needs to reflect on-time payments only, as I have never been late. Please update and correct this information accordingly. 

XXXX Account XXXX : XXXX This account was never properly investigated, as there are no remarks on my credit report indicating that the bureau ever conducted an investigation, yet the information was marked as 'verified. ' How could you verify something that was never investigated? I request that this account be thoroughly investigated. If you can not verify this account, I ask that it be removed from my credit report immediately. 

XXXX XXXX Account Number : XXXX This account is showing as a charge-off but is still reflecting a balance, which constitutes a violation. Furthermore, this account was never investigated after I requested proof of its accurate reporting and validation of the debt. I have not received any response to my request for validation. I request that this issue be addressed immediately. 

I am requesting validation and verification for each account listed below. If your company or the original creditor can not provide verification or burden of proof, I request that these accounts be removed from my credit report immediately. Additionally, please remove any personal information that is outdated, old, or inaccurately reported from my credit report as well. 

Additional Accounts Listed Below : XXXX XXXX, XXXX XXXX Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  ( Original Creditor : XXXX SPEEDYCASH XXXX / Account Number : XXXX If a company is claiming that I was late on payments, please provide proof of where and when these late payments occurred. I request a complete list of my payments and transaction history, including the date when I first became delinquent. If you are unable to provide this information, I ask that any and all late payments be removed from my credit report. 

Furthermore, I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate the bureaus ' failure to properly investigate these accounts. It is crucial that the CFPB takes appropriate action to ensure compliance with investigation requirements and address these reporting discrepancies. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} THESE COLLECTION ACCOUNTS IS NOT MINE.I HAVE NO KNOWLEDGE OF THESE ACCOUNTS 15 USC 1681b. 


CHARGE OFFS XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$9400.00} XXXX XXXX XXXXXXXX {$0.00} THESE COMPANIES HASBEEN RAN AS A CHARGE OFF AND THE COMPANIES HAS REFUSED TO SEND ME THE CANCELLATION OF DEBT FORM 1099C.BECAUSE OF THAT THESE ACCOUNTARE INACCURATE AND NEEDS TO BE REMOVED 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly deleted and blocked.
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 TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX
Product: Checking or savings account

I received a mail XX/XX/20, said the bank decided to end their relationship with me and closed all my accounts include checking and credit cards. They didn't give me any reason why they did that. I called the customer service, waited 2 hours they still said there is no reason and they can't do anything for it. I always pay my bill on time, never have late payments, never do anything risk. I am really confused why they do that, Chase really hurts the customer.
Product: Credit card or prepaid card

XXXX XXXX is reporting incorrect information to XXXX ; XXXX and XXXX a charge-off for partial account number XXXX and partial account number XXXX. I previously put down deposits to cover these balances. My credit report needs to be corrected to report a {$0.00} balance and {$0.00} past due on these two accounts. ( Please see pages 2 and 3 of the attached credit report. ) This incorrect reporting on my credit report is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting to all credit reporting agencies that I was 90 days delinquent in paying my student loans in XX/XX/XXXX and XX/XX/XXXX. I reported this problem to Navient via formal letter on XX/XX/XXXX and asked that they please review this information as it was incorrect. Payment arrangements were made using the only account number ( Account XXXX ) that I have with XXXX. This account number is the only account number that XXXX has issued for both my Federal and Private loans. Payments in the amount of {$620.00} were agreed upon and directed debited from my account beginning XXXX/XXXX/XXXX through XX/XX/XXXX on the XXXX of each month. XXXX is now stating that they only allocated funds to my private loans and my federal loans were placed in forbearance as requested by text message, however they were 90 days late before the forbearance was activated. I did respond " yes '' to text messages asking if I wanted a forbearance, however I thought that it was necessary as I had agreed on the payment plan with the Navient representative in XX/XX/XXXX. XXXX responded to my written complaint stating that they performed their investigation and find that I was delinquent on both my Federal and Private loans so therefore they will not remove the delinquency from my credit report. I only have one account number and am unable to allocate how they apply the payments that I make. I asked the Navient representative several time during my conversation with him in XX/XX/XXXX that the payment arrangements he was making would cover ALL loans and he confirmed several times that he was including ALL loans. Please see the attached documentation from the XXXX website that shows the allocation of payments and the single account number issued by XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate reporting to all 3 credit bureaus and the credit bureaus and XXXX  XXXX is refusing to update information. XXXX XXXX  has been reporting inaccurate balances they will report statement balance and two weeks later report a difference reflecting as a statement for my savor one card. The balance is supposed to show {$30.00} as it did initially then change 2 weeks later to XXXX. All parties have refused to help this is the 3rd time this has happened
Product: Checking or savings account

My card was charged unauthorized the merchant said it was an error on their end. Provided proof chime bank still declined my claim
Product: Mortgage

I contacted Mr Cooper in regards to after Forbearance procedure in which they mailed and emailed me the paperwork to be filled out to be considered for a loan modification. At the time there was a said due amount of roughly {$21000.00} of which I told them I wouldnt be able to pay that in full but I had roughly saved {$10000.00}. I submitted my paperwork in a timely finish and was told to expect a response in 30 days. I kept a log of when I called them and when they called me and the only response I would get is its in Underwriting. It wasnt until XX/XX/2021 when I finally spoke to my Loan Specialist that I was told my loan has been transferred to another Servicer and XXXX XXXX sold my loan to a private Investor of which Mr Cooper would not relinquish that information. I just received a letter on XX/XX/2021 from my new Servicer.
Product: Checking or savings account

On XX/XX/2021, I made a purchase at XXXX in XXXX Oregon for. {$37.00}. 

I am contesting the transaction # XXXX for {$180.00}. appeared on my bank statement XX/XX/2021. This transaction was not made by me. We called the store and let them know.l and the store called us back and said they have the people on camera making this purchase. Apparently the cashier did not close out the card so the following person or persons were able to make the purchase on my card. I reported this to the bank and they denied my claim and will not reverse the {$180.00} charge. A proper investigation was not conducted as XXXX said they have these individuals on camera. I absolutely did not make this purchase and want it reversed and the funds returned to my account. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX XXXX # XXXX Both of these companies have violated my rights USC 1681 section 602 A, Section 604 A ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions USC 1681s2 ( 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
Product: Money transfer, virtual currency, or money service

I made a purchase from XXXX and the order was over {$2000.00} and it went missing. Under the terms and conditions ( which is legally binding ) on the PayPal website, it states that for packages valued over {$750.00}, proof of delivery in the form of a signature confirmation must be provided under buyer protection program. The package has gone missing and PayPal is not abiding by their own terms of service and closed my case siding with the seller despite the cold hard facts that the seller delivered the package and released it without a signature. PayPal refuses to grant me a refund and it is illegal to not abide by their own terms of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my credit file. They are reporting two lates for XX/XX/XXXX- XX/XX/XXXX and I have NEVER been late. XXXX acceptance made it very clear to us if we get any lates they would come and take our furniture, so we made sure our payment was made on time each month. We still have the furniture.
Product: Credit card

Credit card billing statement. 
The online account shows " Total minimum payment due '', and a due date. 
HOWEVER, there is NO STATEMENT available! I need to see the transactions in the most recent statement.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach under the Fcra laws I want all removed from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned a few weeks ago that Experian was not reporting all of my accounts. My XXXX XXXX credit card accounts and my Student loans were not included. I called them and asked for help. They said they filed a report and would get back to me. They haven't. I then learned that XXXX of my XXXX XXXX XXXX XXXX were closed. This is my main credit card and is essential to me. I called XXXX XXXX today and they said that the account was reported as Fraudulent therefore the account was automatically closed. I received no notice of this. I only realized it when I logged in to my account this morning. I called Experian today to report on this and was put on hold for 2 hours. I gave up and called again later. This time when I called, there was no option for me to reach the fraud or dispute department from their phone options. I had to call a random department and get them to connect me to someone there. Then while the agent was researching my report, they hung up. I called again, and someone from disputes told me that I have two Experian records with two different PINs and that he would put in a request to merge the two. He sent me to someone else to work on the closed credit card issue. I found out the following day that my twin sister 's experian account was being mixed up with my own. They had been reporting it incorrectly forever as far as I can tell. We have similar names and same birthdates. There is definitely concern with how my sister was able to report the XXXX XXXX account as fraud. I'm not sure what identification she verified but the XXXX  XXXX account has all of my information on it, yet she was able to close the account. I believe XXXX XXXX may also have dupe records and perhaps she verified the one that Experian was incorrectly reporting. As of today, we have cleared up the issue with my credit card however Experian is outstanding.
Product: Credit reporting or other personal consumer reports

There are current payments that have been posted for each month by all XXXX bureaus, as well as payments on XXXX and XXXX from the companies XXXX XXXX XXXX, reported a paid payment as late without my written consent. I called and asked them to remove it they said because of them giving grace periods they would not update, change, correct the information. 
date XXXX XX/XX/2023 both payments have a reported positive payment from different bureaus as well as missed payments. this is very inaccurate and hurting my consumer report severely. 

per 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

No information was ever late nor was i ever notified of a scheduled account as all my payments are on time. the XX/XX/2023 Payment as Current as well As XX/XX/2023 as payment both were paid successfully and on time
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$150000.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX {$150.00} XX/XX/XXXX
Product: Debt collection

CCS is attempting to collect an alleged debt with the necessary verification. As the consumer I was denied my right to dispute. They did not send me the opportunity and have willfully furnished biased information.