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

TransUnion has refused to remove collection/negative item or provide an option for online dispute for these inaccuracy accounts. I have request validation of the alleged debt without a response from the debt collector. I have provided docs showing that my request for validation was delivered to debt collector, accounts with adverse information currently been reporting by Transunion and Transunion dispute website page showing no option for online dispute for these accounts. I have contacted this company on XX/XX/2023 and XXXX/XXXX/XXXX. 
-Account NumberXXXX -Account NumberXXXX XXXXAccount NumberXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 


These accounts are not mine nor did I authorize them. I have reach out via certified mail over 30 days ago to the three-credit reporting agency ; XXXX, XXXX, Experian to investigate these inaccuracies but they still remain without the proper investigation or validation of these debts. 

These accounts have violated my rights : XXXX Account # XXXX XXXX Account # XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) Account # : XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A, states that a consumer reporting agency can not furnish an account without my written consent or 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 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.

I have attached documents showing this horrible mistakes on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me I also feel like these companies on my credit report have violated some of my rights 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts These items have cause such trouble in my life I just want them gone Im seeking litigation for a few of the accounts as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a fraudulent account on my credit report which is causing me financial hardship all of the accounts listed below are all fraudulent accounts and fraudulent inquiries that I did not authorize XXXX XXXX XXXX  {$810.00} XXXX Inquiries XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I charged a headset on a Bank of America card that was sold to me as an " open box '' item that was missing a part. I had to make multiple trips to the store and they insisted that I buy the missing part. I did so but it was the wrong part and the store admitted that they did not have the actual part and that I would have to buy a whole new unit. Since I had also bought a warranty that required the store to replace the defective item with a new one I wanted to do a trade ( the normal procedure ). The store refused and I told them I would be disputing the charge.
I disputed the charge but it was not processed in a timely manner. When the store challenged the the dispute I was sent a letter that arrived on XXXX XXXX, 2017 and gave me only until XXXX XXXX, 2017 to respond. I did so by fax but Bank of America refused to process my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is for the XXXX XXXX XXXX loan which was taken out for my business XXXX XXXX. 

This loan is through the XXXX XXXX and XXXXXXXX XXXX which provides affordable capital and business services to help small businesses rebuild from the Covid-19 economic crisis. 

An LLC is an independent legal entity that is formed under state law. Its independent status means that it has a legal identity that is separate from its members. State law authorizes an LLC to enter into contracts, take out loans, own real and personal property and hire employees in its own name. Hence, The debt belongs to the LLC under established law, not the individual members. 

The loan is in good standing and I have not defaulted. This loan is currently being inaccurately reported on my personal business report not my business credit report. This loan has been removed from one credit agency and should also be removed from XXXX and Experian immediately. Proper reporting should be updated to my business credit report.
Product: Checking or savings account

They allowed these people to take over my My screen walk me through stuff because I thought that they were a chime agent then they drained my account and hung up. They got all my info I caught on to it within min I called chime and they aye not doing mouthing haven't even reached out to this thievery person. They are intercepting calls.
Product: Debt collection

In XXXX of XXXX I mailed a money order check to XXXX XXXX for my HOA fees. In XX/XX/XXXX I received a letter from XXXX XXXX they did not receive my XXXX payment for my HOA. I attempted to contact XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX by calls and they have refused to communicate with me. In XX/XX/XXXX I received a call from Real Time Solutions regarding my HOA fees. They stated they have a lien against my house and I needed to make payment. I was able to go to my back and find the {$500.00} sent in XXXX was never cashed by XXXX XXXX. I received the funds and made the payment to Real Time Solutions for the {$500.00}. Now Real Time solutions has the account in collections for my XXXX fees. Between the HOA or Real Time Solutions they have added over {$500.00} in fees and around a 65 % increase on my bill. This is excessive. Also, when I was first contacted by Real Time Solutions in XX/XX/XXXX I was told they have a lien against my house. I contacted my local county court house and there is not lien against my house. I made my final payment today and asked for a lien release. They stated it's in the paperwork I signed when I purchased the house. This is a play on words. I had to scramble to get these funds together ( on a current account since I paid the {$500.00} past due ). This is unfair and deceptive collections practices. Between whoever adding 64 % fees ( Real Time or the HOA ) and having someone to call and cause stress to my family over a missing payment that the HOA managment company probably lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have downloaded the annual reports that show the account I have nothing to do with. XXXX XXXX has no information. They ask me to send them my SSN and other information, but I fear that they might use it to fill in the gaps in their documents. I will attach to you their response to my complaint. Please investigate this matter.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that XXXX deleted are going to be attached in a word document. I am a victim of identity theft. I havemultiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that theseitems be deleted so my credit report will only show accurate information. I reported the theft of myidentity to the Federal Trade Commission and have enclosed copies of the report. I would like theseitems deleted from my credit report as soon as possible. Please block this information from my creditreport, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Debt collection

Merchant ID XXXX # XXXX took what was supposed to be XXXX trial offer for a processor and credit card processing machine. We tried out the products and we suffered a charge-back within the first week of having the machine/processor. The bank called our company and advised us the processing account was closed which was 7 days after we opened the account. Now this company first data is saying we have to pay a four year lease because of the initial paperwork that we signed taking the delivery of this machine. Our salesman told us it was 30 days risk free and now this company wants thousands of dollars for the credit card machine which has been sent back to the company within the first 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Clarity Services is a part of XXXX. XXXX has my credit file disclosure, copy of my government issued identification and social security number. Clarity accessed my credit report and provided false information to XXXX XXXX XXXX, causing an Adverse Action in the form of denial of extension of my own credit. If Clarity is a division of XXXX and accessed my credit report held with XXXX they would see I do have credit experience and a credit score, therefore the information they provided to XXXX XXXX XXXX was false, misleading and defaming of my character. Clarity made the finance company think that I have no credit experience and may not be creditworthy, which is not true. Not only am I being denied the right to extension of my credit, but this has caused damaged to myself and minor child because we are in need of furniture. Not being able to initiate consumer credit transaction because of Clarity 's negligent reporting practices, has caused physical, mental and emotional damages in which I can provide documentary evidence if forced to file a claim on the basis of defamation of character and denial of credit.
Product: Credit reporting or other personal consumer reports

RE : EQUIFAX REPORT # XXXX This CFPB complaint constitutes a second written communication for the record. 

On XX/XX/year>, a certified Notice of Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX delivered to EQUIFAX with a copy of a valid XXXX issued ID verifying my identity & location information, which stated my preferred method of correspondence which is furnished on the report stated above in the contact section. 

On XX/XX/year>, I received a response letter dated XX/XX/year> requesting additional verifying documentation that is private & personal in nature in order to proceed with my dispute. 

EQUIFAX request for additional verification is irrelevant, excessive, an invasion of my privacy & for their unjust monetary gain at my expense. 

EQUIFAX is in violation of the following : 1 ) Invasion of my Right to Privacy by sending correspondence to my private dwelling without my consent ; without lawful authority.

2 ) Requesting excessive & irrelevant identity information without lawful authority. 3 ) Unauthorized access of my personal Private location information without my express written consent ; without lawful authority. 4 ) Unauthorized sharing of my personal Private location information without my express written consent ; without lawful authority. 5 ) Disregarding my preferred method of correspondence.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. XXXX and remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with Equifax for refusing to comply with the FCRA 605b. I followed FTC 's process and got police report, turned in 2 forms of ID and a letter requesting that I have accounts that were tied to ID theft. I waited 3 hours to speak with a supervisor and was told that these my remaining accounts would not be removed. In accordance with FCRA 605B these items are supposed to be suppressed ( removed ) from my credit report as long as I have submitted required info with 4 days. The supervisor, who would not give his name, told me " anyone can get a report and claim id theft, we are not blocking your info ''. I asked him about being notified within 5 days that they are/are not blocking the info by letter, I was also told, they will not disclose any info pertaining to my account or as to their company policies.

I am demanding to have these fraudulent items BLOCKED FROM REPORTING, I followed procedures and am being denied my rights according to the law ( FCRA 605b ). Equifax, is preventing consumers like myself from remedying the disaster that ID theft has caused us financially and credit wise. If this is not settled, I will be pursuing litigation to recoup the damages they have continually cause to my credit health and reputation. This is ILLEGAL and should not be accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus, however, my requests for both the credit bureaus and the furnisher from XXXX XXXX have ignored proof. The credit bureaus have all returned a status of " Verified '' when I have disputed the account. How is this account being verified with XXXX, XXXX, and Experian, when the company doesn't even respond to my verification requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, XXXX, and Experian to ask for the proof the company is providing as verification of the account. My requests were denied. I was advised by XXXX, XXXX, and Experian that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX of the XXXX family have been a victim of Identity theft. There are unauthorized fraudulent accounts by the Department of EducationXXXX XXXX XXXX my credit profile that need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Mortgage

So Homeside Financial has sent me a letter stating they denied my refi due to incomplete information. THIS IS A TOTAL LIE! We had picked a local lawyer, venue for signing papers as well as set a date ( four days away ) for the closing. It was only when they said " pay off the interest free second balance then we will see you in four days ''. When XXXX XXXX refused to allow this payoff ( {$1900.00}! ) that was deferred by two months of not working during initial pandemic period ... they refused to continue! 

I am being discriminated against simply cause the industry has no channel for closing on mortgages with second balances. Since the Mortgage holder ( XXXX XXXX ) absolutely insists on not accepting payment for this amount until the full main balance is paid I will never be able to re-fi my home. This violates not only the spirit but the law passed as " The Cares Act ''. I have been 7 re fi companies and they all say the same thing! 

Someone has to look out for consumers with good credit ( I have a Fico around XXXX ) who are locked into their XXXX XXXX held mortgages! Mine is due to a measly $ XXXX ( which I actually gave to XXXX XXXX and they lied and just applied it to my main balance! ) I have been dealing with this since XXXX XXXX and their is no end in sight! PLEASE HELP ME!
Product: Credit reporting or other personal consumer reports

Robinhood Credit should be removed from previous authorized user 's credit report XXXX XXXX. I have emailed Robinhood credit several times to ensure that account be removed from XXXX XXXX 's credit report to no avail to date account is still reporting as an open authorized user account and has been closed for close to 6 months!
Product: Debt collection

Genesis Credit Management has been calling family members and friends from PRIVATE and blocked numbers. The harassments began in XXXX of 2018. They called a family and threatened to send the sheriff 's department to her home. They called another family member and threatened their religion. All threatening voicemails are documented. They called me pretending to be an apartment complex in XXXX California asking about an application I never filled out. I get 2-10 phone calls per day now.
Product: Student loan

I was told I would receive a billing statement before 21 days of my first payment due date from MOHELA. I have not received such notice. I dont know when my payment is due, and their website says XX/XX/23, but all the news outlets say repayment is starting XX/XX/XXXX. I dont want to have to pay late fees. I need to know when my payment is due, and MOHELA has failed to provide consistent information about my payment dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently a company by the name of XXXX XXXX is attempting to collect on a debt by the original creditor XXXX. This was placed on my XXXX  credit report along with my Experian  and XXXX  reports. Both XXXX and Experian reviewed the dispute and immediately removed this from my credit report. After multiple attempts XXXX continues to ignore the original dispute. 

The dispute is very simple - I terminated service with XXXX in the first few days of XX/XX/2019 and moved my service to XXXX after constant issues with poor service and billing issues. My lease on my phone had concluded, the phone returned and confirmed received by XXXX days later. I have had XXXX service for XXXX, XXXX of 2019 and since. 

In XXXX of 2019 XXXX sent me a bill attempting to charge me for XXXX over three weeks after terminating service. After months of billing issues with XXXX it did not surprise me that XXXX was still trying to charge me for a service that had been terminated for weeks as their XXXX   complaints show a long line of people they attempt to do this with. Then XXXX attempted anyway to charge my credit and debit cards and access my bank accounts and take the money anyway which was immediately stopped by the fraud departments. 

To date neither Experian, XXXX XXXX or XXXX  who is allowing this to remain on my credit report have shown me a single bill with actual charges. When they are asked to provide proof they just send another copy of a past due notice but never a single copy showing what the service is for, the period it was to be provided in both of which would show the charges are for service long after I left XXXX and ceased having an account or service with them. 

I have filed numerous disputes with Experian and the reply I get each time is 'they verified the debt '' and each time it's with a copy of a past due bill. Not once have I been handed a single piece of proof of what the charges are for or any legal document allowing them to charge me for anything outside of the time I had service with them.
Product: Credit reporting or other personal consumer reports

The stated account with XXXX XXXX XXXX does not belong to me it is a fraudulent account and it isnt even under my name please delete this account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I recognized there were 4 accounts on my Experian credit report that showed delinquency which I had no knowledge of opening. These 4 accounts totaled a balanced of about {$120.00}. Although it was not a significant amount, since these accounts were not mine, I did not agree to pay. I filed a police report, a complaint case with the federal trade commission. Then I submitted these 2 reports along with my identity proof ( SSN card, driver license ) to Experian via postal mail and also uploaded these files online. Experian still refused to assist me and turned down my complaint, leaving these 4 accounts on my credit report to affect my credit score and reputation.
Product: Checking or savings account

Collection agency levied account. Chases claim that transferring exempt funds ( e.g., state adoption support payments to support welfare of child ) from my checking account to your savings account makes them no longer protected which is not entirely accurate. Exempt funds retain their protection as long as chase can clearly trace their source, regardless of the type of account they are held in. My checking account shows the direct deposit from the state and shows the transfer into my savings account.