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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX SSN : XXXX XXXX XXXX : XXXX Date : XX/XX/XXXX Dear Transunion CEO, Manager or Supervisor Re : Failure to Enter Required Notice of Dispute I am formally requesting that the following inaccurate information be removed due to violations of the Fair Credit Reporting Act FCRA ).

Under Section 623 ( a ) ( 3 ), if a consumer notifies a furnisher of a dispute regarding the completeness or accuracy of information, the furnisher is prohibited from reporting this information to a consumer reporting agency ( CRA ) without providing notice of the dispute.

Additionally, when a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of reported information, the furnisher is required to : 1. Conduct an Investigation : Review all relevant information provided by the CRA and the consumer. ( Sections 623 ( b ) ( 1 ) ( A ) and 623 ( b ) ( 1 ) ( B ) 2. Report Investigation Results : Notify the CRA of the results and, if the information is incomplete or inaccurate, notify all CRAs to which the furnisher reported the information.

( Sections 623 ( b ) ( 1 ) ( C ) ) 3. Complete the Investigation Promptly : Resolve the dispute within 30 days ( or 45 days if additional relevant information is provided ). ( Section 623 ( b ) ( 2 ) ) 4. Modify, Delete, or Block Information : Promptly correct or remove inaccurate information.

( Section 623 ( b ) ( 1 ) ( E ) ) Failure to comply with these procedures constitutes a negligent or willful violation of the FCRA. I reserve the right to seek legal action for violations under Sections 611 ( a ), 616, and 617 of the FCRA ( 15 U.S.C. 1681i ( a ), 1681n, and 1681o ). Relevant case law, such as XXXX XXXX Trans Union XXXX ( XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX ) and XXXX XXXX Trans Union CorpXXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ), supports this right. 
I recently disputed the following inaccurate information with you. Upon reviewing my updated credit report on the 31st day after you received my initial dispute letter, I found that the required notice of dispute was not present. This is a clear violation of FCRA 623 ( a ) ( 3 ), and this information can not legally be reported. 
Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX account I sent certified mail in XXXX included ftc and police report with a attached company of XXXX XXXX, stating I am not responsible and I can use the email as proof to give to all XXXX credit bureaus. 
I demand the immediate removal of the above-referenced accounts from my credit report. 
Additionally, I expect written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting the removal, within 15 days of the date of this letter. Failure to comply with these requirements will leave me no choice but to pursue further legal remedies. 

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

I am writing to dispute multiple unauthorized hard inquiries that appear on my TransUnion credit report. These inquiries were not authorized or initiated by me, and I believe they are adversely affecting my credit score. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any unauthorized or inaccurate items on my report. 

Please find the list of unauthorized inquiries I am requesting to be removed from my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I paid off a HELOC I had with your company over 2 months ago and yet, it is still showing up on my credit report as open, with a balance. Please accurately and correctly report that the account has been paid in full and closed. The account was paid and closed XXXX XXXX. 
I called First Horizon recently and they instructed me to send an email to this address with the following information Full name : XXXX XXXX XXXX. 
Account number : XXXX Social Security # XXXX Mailing Address : XXXX XXXX XXXX. 
XXXX, TN XXXX Dispute : Account has not been updated to credit bureaus since XXXX XXXX. It's been nearly 3 months and the loan has been paid off and closed. Proof of credit report below.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX and Experian are reporting an unvalidated debt, furnished by XXXX XXXX XXXX XXXX, purported to be owed to XXXX XXXX XXXX XXXX This account was disputed by me, the referenced consumer, directly with XXXX XXXX XXXX XXXX and this alleged debt was never validated. XXXX XXXX XXXX, along with the aforementioned credit reporting agencies are conspiring together to defame my character, creditworthiness and cause me financial harm and emotional distress. The continuous reporting of this negative and defamatory account is an infringement on my right to privacy as well as damaging to my credit reputation and character. The aforementioned credit reporting companies have a duty to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, per 15 USC 1681. These companies have blatantly disregarded my right to privacy and in the process continue to disregard the Congress 's rules, laws and orders regarding the protection of consumers ' privacy, per 15 USC 6801, 6802, 6821, 16 CFR 313.7. Notice to cease and desist and request for validation of debt pursuant to 15 USC 1692c, 15 USC 1692c ( c ), and 15 USC 1692g were mailed via certified mail to the original creditor and their affiliated parties on XXXX XXXX XXXX and never validated. Proof of mailing will be attached to this complaint.
Product: Checking or savings account

I recently sent you a complaint the number is ( XXXX ) on XX/XX/2019. TCF Bank has returned most of fraudulent charges XXXX XXXX XXXX and XXXX overdraft fee. TCF bank did not refund the fraudulent charge of XXXX and the XXXX over draft fee. The transaction number FOR THIS CHARGE was XXXX. ATM DEBIT card used was last 4 digits XXXX. I would like this to be refunded also. checking account # XXXX Thank You XXXX XXXX XXXX
Product: Credit reporting

Equifax continues to avoid a serious issue i am having with an inaccurately reported account. They continually delete and reinsert even more inaccurate information and send it to my home pretending they have " updated '' and " investigated '' and received those conclusions but they are playing games with my credit report and my FICO score and most importantly with my emotions! XXXX is not reporting correctly an every time i correspond with them they keep sending me the same ridiculous letter saying it was " VERIFIED AS MINE ' and i keep telling them that its not the verification i am asking you to correct or investigate, it is your inaccurate reporting of the status and payment history in this account! Equifax is the only bureau that keeps changing things around and making this account worse on my life. Firstly, they were reporting this as derogatory with NO indications as to why so i disputed it asking why this account was in the derogatory section of my file and then they added on a 120 day LATE status to it. This account has NEVER been late, it was paid in full in XXXX the same month it was transferd as an overpayment from my student loan without my consent. Then i disputed the 120 day late because they blocked me from obtaining a home and applying for a mortgage and for months they avoided me and kept sending me ridiculous letters that its accurate. Then about a month ago i complained through the CFPB and they deleted the 120 days late and made it a collection. WHAT on earth is Equifax doing? This is ruining my life. I have never been on collection my entire life and they can not delete information and add information without listening to me and i even asked them for a method of how this was validated since XXXX and they have provided me with absolutely nothing and absolutely no proof that anyone has investigated this for me. Equifax simply sent me the same ridiculous letter and told me to contact whatever number i saw corresponding to the account, i called the number and it was the WRONG department and NOBODY could help me! This account needs to be deleted once and for all, i have already discussed my case with an attorney, i have LOST a mortgage on my dream home for my family, I have lost soooo much money on this inaccurate reporting an Equifax continues to play games with me and my report! They should be banished from the financial world, shame on them!
Product: Credit card or prepaid card

tried to activate debt an closed down my KeyBank Unemployment account. XXXX
Product: Debt collection

Frivolous debt collection attempt against me and co defendants. 

Facts of the case : Alleged loan # XXXX. Address : XXXX XXXX XXXX XXXX, KY XXXX Name : XXXX XXXX 1. Originator of the alleged loan admitted that it did not lent money. Table funded loan. Fraud in inducement. Predatory and Fraudulent lending. No consummation of the loan happened. RESPA violation. 

2. No assignment to the Trust is legally possible. 

3. Wilmington Trust misrepresented the character, amount, and legal status of a debt, in violation of 15 U.S.C. 1692e ( 2 ) ( A ), and used a false representation or deceptive means to collect or attempt to collect a debt, in violation of 1692e ( 10 ). Wilmington Trust violated the Federal Debt Collections Practices Act. 

4. On the XX/XX/2015 note maker notified Wilmington Trust N.A. by Truth in Lending Rescission Notice. Wilmington Trust refused to fulfill the obligations under regulation " Z ''. See 1026.23 Right of rescission. By operation of law on XX/XX/2015 the Note and a Mortgage become void. See : ( XXXX v. XXXX XXXX XXXX , XXXX XXXX XXXX ( XX/XX/2015 ). Continuation of attempt to collect on void instruments constitutes Statutory TILA violations. No standing. 

5 Attempt to collect on discharged debt. FDCPA violations. ( Violation of the Bankruptcy law ) 6. Violation of constitutional rights.
Product: Debt collection

a internet bill from XXXX XXXX XXXX I did not owe. I had inter service that stoped working so I called them, they tried to fix on the phone my internet was off over a mouth I asked to send a repair man they said no, they said my modem was bad, and they said we will send a new one at over 120 dollars I said no, so they said it would be no charge. I told them to cut off my service, but they sent the modem anyway it still did not work, so I got another internet service. mean while they sent a repair truck, he found a line down across the road, then they sent me a bill for the modem & internet service XXXX dollars, I called them, they said I had to pay. I said no, so they turned it over to a collection co. they called me an said I had to pay she said she would put it on my credit report so I paid it! I have a witness to this
Product: Credit card or prepaid card

Hello, This is in reference to a vacation I booked through Chase Travel using my Chase credit card. This is one of my last resorts as Chase has completely failed to assist with the issue at hand and has passed this issue from department to department without a resolution. I booked a hotel in XXXX, XXXX for XX/XX/XXXX for 3 days, the hotel ( XXXX XXXX in XXXX ) was closed during this time due to Covid-19.  Additionally my wife and I were unable to travel due to my wife being an essential worker and the stay at home order sent down by the State of New York where we reside. This issue was first discussed in XXXX which we disputed the charges due to the global pandemic and Chase using the guise as Chase Travel which I believe is actually XXXX has had no engagement with this process except for declining the issue as stating this dispute is not valid even though the hotel was closed and the global pandemic prevented us from traveling. Since the hotel dates have passed the said they could not refund us our money because our trip has passed and they have no record.

We called again and Chase Travel said they can only give us a voucher for the trip. They repeatedly were ambiguous and only acknowledged our trip with our itinerary number after we said we would accept the voucher. Which is in processing now.. 
This is to dispute Travel transactions for a trip booked on XX/XX/XXXX on credit card # xxxx-xxxx-xxxx-xxxx, exp. xx/xx, Name : xxxxxxxxxx This tripped was booked under Chase Travel with understanding that this was a secure and confident booking. Due to Covid-19 my wife ( xxxxxxxx ) and I can not travel due to the virus and events that were planned were cancelled because of these extraordinary circumstances. 
1 ) Transaction # XXXX XXXX Amount {$1100.00} -Date XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE TRIED TO CONTACT XXXX XXXX XXXX XXXX XXXX XXXX THE ENTIRE WEEK DURING WHICH WOULD HAVE BEEN OUT STAY AND THE HOTEL IS CLOSED. THEY CAN NOT PROVIDE SERVICES BOOKED. A REFUND IS UNACCEPTABLE. I EXPECT A FULL REFUND. THE HOTEL HAS BEEN CLOSED FOR SOMETIME NOW AND THEY WILL NOT COMMUNICATE WITH THERE CUSTOMERS. A VOUCHER IS NOT ACCEPTABLE DUE TO TRAVEL ISSUES AND RELIABILITY OF THE HOTEL TO PROVIDE SERVICES. PLEASE ADVISE. 
Sent 6 letters thru my Chase account under secure letters on:XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. Also called over 30 times  between XXXX and XXXX. 
Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, 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 reporting 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 several hard inquires such as : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These inquires have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XXXX/XXXX/XXXX XXXX from CRG phone number XXXX contacted me. She claimed I had taken out an online loan with XXXX on XXXX XXXX, XXXX. I did not. She claimed a reference listed was a person I had not met until the summer of XXXX. 

This woman knew the last XXXX digits of my social security number, my date of birth etc. I have never taken out an online payday loan. I believe it was a scam. My concern is she called to verify my personal information and will use it for fraudulant purposes.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent Experian a dispute letter because they are reporting a few of my accounts inaccurately. I requested in my letter that the incorrect late payments be removed from my credit report. They did not investigate my dispute and never removed the incorrect information. I verified with the other bureaus, XXXX and XXXX and both are not reporting these accounts late. I am trying to understand why Experian is not reporting accurately if they are all the same accounts from the same creditor. They are clearly breaking the law : According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. Misleading False Reporting : These accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. Having this inaccurate information reporting on my credit report has been detrimental to my credit health and it is not fair that they are allowed to falsely report on consumer credit reports. I have attached copies of each account from Experian and XXXX as proof of inaccurate reporting. XXXX Credit Bureau is reporting all accounts current with ZERO late payments. Please hold Experian Credit Bureau accountable for their false reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Data Breach and Violation of Rights Under 15 U.S.C. 1681 Dear Consumer Financial Protection Bureau, I am writing to formally notify you of a recent data breach that has compromised my personal information. Specifically, my name and other sensitive data were included in this breach, which I believe to be a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

According to 15 U.S.C. 1681, I am entitled to the protection and privacy of my credit information. The unauthorized exposure of my personal information due to this breach has caused significant concern and distress, as it puts me at risk for identity theft and other fraudulent activities.

I respectfully request that the CFPB investigate this matter thoroughly. I would like to understand what measures are being taken to rectify this situation and to prevent similar breaches from occurring in the future.

Please advise me on the steps I should take to safeguard my credit and personal information moving forward. I would also appreciate any guidance on how to pursue further action against the responsible parties for this breach.

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX XXXX 

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 







XXXX inquiry was not authorized XXXX XXXX date XXXX XXXX, XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX date XX/XX/XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX XXXXXXXX date XX/XX/XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX XXXX Inquiry date XX/XX/XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX XXXX date XXXX XXXX, XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX XXXX date XX/XX/XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX date XX/XX/XXXX Please remove it from my credit report. 


XXXX inquiry was not authorized XXXX XXXX date XXXX XXXX, XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX XXXX date XX/XX/XXXX Please remove it from my credit report. 

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

The hard inquiry on credit report was n't made by me the medical should be off I was on medical
Product: Credit reporting or other personal consumer reports

I requested XXXX to provide proper documentation supporting the incorrect information reported to the bureaus. I ordered a cease and desist and they continue to report to the bureaus.
Product: Debt collection

The Original Creditor ( XXXX XXXX XXXX ) closed the account of {$1100.00}. An unauthorized account was opened by XXXX XXXX COMPANY LIMITED LIABILITY COMPANY on XX/XX/2016.Nothing is due to XXXX XXXX COMPANY LIMITED LIABILITY COMPANY because I never agreed to a contract with them.
Product: Credit reporting or other personal consumer reports

Fraudulent opening of account at XXXX. I called card was supposed to be canceled. Then reported to experian as Fraudulent. 
XXXX didn't cancel card. Experian said information accurate. 
Both failed