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

On Saturday XX/XX/XXXX, I received an alert from Experian notifying me of a significant drop in my credit score. Upon reviewing my report, I discovered incorrect information that has caused my score to plummet from over XXXX to XXXX. This error is severely impacting me both financially and emotionally, especially as I am looking to refinancing my mortgage in the near term. 

The issue pertains to an entry labeled " XXXX XXXX, '' which appears to reflect a collection account for some sort of education or student loan. The account is listed as having been opened in XX/XX/XXXX and closed within a month with a collection status. I have no relationship with or knowledge of XXXX XXXX in my entire life, nor have I sought any education or student loans in XXXX. To make matters more baffling, the report indicates that something occurred on XX/XX/XXXX, XXXX that exact day, I was on a flight from XXXX XXXX XXXX, completely disconnected from any activities that could have caused this entry. This situation appears to be a clear case of fraudulent or erroneous reporting. I have already filed a dispute with Experian, and it is worth noting that such issues have occurred exclusively only with Experian.
Product: Credit card

An account was opened in my name with Acima Digital FKA SIMP without my knowledge.
Product: Credit card or prepaid card

They called me 6 times yesterday from a private number refusing to tell me where they are calling from. Every time I asked who was calling they would either hang up or keep asking me my name. Finally today they were able to tell me who they were. It is XXXX XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

Due to being ignored on multiple occasions, another package was sent Certified Mail # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- and Delivered XX/XX/2023 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - A Notice of Interest under trust package was sent to the fiduciary trustee, XXXX XXXX XXXX XXXX but not limited to and including any board members. In this packet, it included a Certificate of Appointment of Trustee, Rescission of Signatures of XXXX, Notice of Subrogation, Certificate of Title Special deposit, and a money order for Issue of Special Deposit for full credit and satisfaction on account # XXXX -- -- -- -- -- -- -- Again my request was ignored. I never received my promissory note back, so GM Financial is a holder, so they are liable. Which means GM Financial is the TRUSTEE. I never received a cash receipt for the promissory note or mandatory disclosure forms under the privacy act in any transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason why I'm following this complaint is because this repossession date is XX/XX/2015 and I spoke to the creditors multiple times over three months and they stated that they have sent a request to this bureau to have the repossession remark removed off my credit report for over three months and it still on my credit report it's been over seven years from the time of the repossession and the remark is affecting me and I have tried my best I've sent numerous letters to this credit bureau and still nothing has happened this is a violation of my rights because I know it should be not it should not be on my credit report no more than seven years from the time the delinquent has happened and it is over seven years now I need this repossession for remark remove my credit report it has been removed off of XXXX XXXX but not this credit bureau.
Product: Money transfer, virtual currency, or money service

I attempted to log into my account today, XX/XX/year>, only to discover that my personal Wise account had been closed without notification to me. Because this account is a personal one, I only use when traveling abroad, which has not happened in the last several months. I know of absolutely no reason that my account would be XXXX have reviewed both the Customer Agreement and Acceptable Use Policy, and I am confident that I have not violated either. I appealed the decision, and I received an email within XXXX minutes that the decision to summarily close my account was final and that " [ Wise ] cant tell you the specific reason why weve closed your account this is because of how were regulated as a financial institution. '' I tried calling customer service to ensure that there had not been some sort of clerical error, but I was told that the decision is final and permanent. The customer service agent, who said his name is XXXX, said explicitly that there is no further appeal possible and that I am banned from having a Wise account for life. He also repeatedly insisted that the Customer Agreement makes clear the potential reasons for closure, which include the violation of laws in my jurisdiction or the XXXX XXXX XXXX. The implication that I am either criminal or a rule breaker was offensive. The entire process was baffling and humiliating.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX  Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against TransUnion for FCRA 30-Day Violation Dear CFPB Representative, I am filing this complaint because TransUnion has completely disregarded their legal obligation to handle my credit disputes under the Fair Credit Reporting Act ( FCRA ). Ive been fighting with them for months, and they still havent fixed the inaccuracies on my credit report. Theyve exceeded the 30-day timeline required by law and continue to send me XXXX excuses instead of actual results. 

Since XX/XX/XXXX, Ive submitted multiple disputes, providing detailed explanations, copies of my ID, utility bills, and every piece of evidence they could possibly need. Instead of doing their job, TransUnion sends me generic-ass letters claiming my disputes are unauthorized or invalid. Thats total XXXX. 

Heres the deal : The FCRA requires them to investigate disputes and provide written results within 30 days. TransUnion has not only ignored this timeline but has also refused to take my concerns seriously. Their negligence has caused me financial harm, including denied credit applications and higher costs on existing obligations. 

The specific violations I am reporting include : 1. Failure to Investigate : TransUnion has not conducted a proper investigation into my disputes. Theyve simply ignored my evidence and relied on lazy-ass automated responses.

2. Exceeding the 30-Day Timeline : Its been over three months since I began disputing inaccuracies, which clearly violates the FCRA.

3. Failure to Provide Verification : Theyve allowed inaccurate and unverifiable accounts to remain on my credit report without proving their accuracy.

Im attaching correspondence from TransUnion, including their dismissive responses dated XX/XX/XXXX and XX/XX/XXXX, as proof of their negligence. Ive had enough of this nonsense, and I demand action. 

I am requesting the CFPB to : 1. Investigate why TransUnion has failed to resolve my disputes within the required 30-day timeframe.

2. Ensure the immediate removal of all inaccurate and unverifiable information from my credit report.

3. Hold TransUnion accountable for their continued violations of the FCRA. 

Its time for TransUnion to be held accountable for their XXXX. I trust the CFPB will take this complaint seriously and force them to comply with federal law. Please let me know if you need additional information or documentation to support this case. 

Sincerely, XXXX XXXX XXXX Attachments : TransUnion Correspondence ( XX/XX/XXXX, XX/XX/XXXX ) Dispute Letters and Supporting Evidence Proof of Identity and Address
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following inaccurate information contained in my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ). Upon reviewing my credit report, I found inaccurate information that is both incomplete under the standards set by the FCRA. Additionally, the account ( s ) in question are not reported in accordance with XXXX XXXX guidelines, which are essential to maintaining accuracy and compliance across all credit reporting agencies. 
# # # Disputed Information : - *Creditor Name : '' ( XXXX XXXX XXXXXXXX XXXX XXXX  - " Account Number : '' XXXX BALANCE : {$520000.00} - XXXX XXXX XXXX XXXX ** incorrect payment history. 
inaccurate balance and Non-Compliant The Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information '' they include in a credit report. The disputed information mentioned above does not meet the standard of " maximum possible accuracy. '' Furthermore, please ensure that the creditor in question complies with 15 U.S.C. 1681s-2 ( b ), which obligates them to report accurate information to the credit reporting agencies and correct any error i found.
Product: Credit reporting or other personal consumer reports

XXXX XXXX opened XX/XX/XXXX reported XX/XX/XXXX stated balance {$1300.00} This account is a fraudlent account that i did not open and the credit failed to review investigat and validate the accuracy and ownnershiop of this account, This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I lost the promotion points of 25,000 when I downgraded my card ending-XXXX in XXXX. 2021. I was charged the annual fee for this account twice within a year so I decide to downgrade my card to avoid the additional annual fee. When I downgraded the card to a non-fee card, the AMEX customer service did not tell me they would remove the proton points for downgrading. I believe I met all requirements for the promotion offer and AMEX should honor the offer and not remove the points from my account.
Product: Credit reporting or other personal consumer reports

i would like for the credit reporting agency to stop sharing my non personal information to the non affiliated 3rd party including XXXX XXXX XXXX XXXX non public information according to the grams bailey act
Product: Credit reporting or other personal consumer reports

XXXX  XXXX a rental company denied my application because of an eviction showing in my credit report. The rental application was denied on XX/XX/XXXX  due to eviction and credit. However Ive never been evicted and currently still live at the same address that I supposedly got evicted from. Im considering moving to another location and before doing so I would like to resolve this ASAP. I currently live at and always lived at XXXX XXXX XXXX XXXX XXXX Ga XXXX. 
Since XXXX. The only other address I lived at would be XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Under my mother name XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I got an email - see screenshot attached - that claims I made a purchase for {$790.00} in cryptocurrency. 

I have done none of that. 

the account manager for this company does not identify themselves. 

There is a number to call to cancel the transaction. I called my bank, and paypal to assure that money was not taken and blocked any purchase for such amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that my credit score had dropped. Apparently dropped 17 points. I went to check my report online ( Experian .com ) and there was a credit card added an XXXX of debt added. 
a ). could not find the added entry compared to XX/XX/XXXX, credit report same number of entries the balances were lower. 
b ). I went onto the chat and inquired why the change and the Experian person said - I need to contact the bank and talk to a credit person. 

Here again, I checked all figures logged back on credit score changed again up 7 pts. 

I have been paying everything down. Last month I even paid off an account. I have not added anything to my credit. Always paying it down. 

Why has my credit score taken a hit for as far as I can see my debts being paid DOWN. 
No new entries? Why?
Product: Debt collection

[ Equifax Information Services LLC ] [ XXXX XXXX XXXX XXXX, XXXX  XXXX ] Subject : Dispute of Unauthorized Credit Inquiry Under the Fair Credit Reporting Act Dear [ Equifax ] , I am writing to dispute an unauthorized credit inquiry listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute and request a reinvestigation of any information on my credit report that I believe to be inaccurate or unauthorized. 
The specific inquiry I am disputing is as follows : Creditor Name : [ XXXX ] XXXX # XXXX Date of Inquiry : [ XX/XX/XXXX ] Creditor Name : ( XXXX XXXX XXXX ) XXXX # XXXX Date of Inquiry : ( XX/XX/XXXX Creditor Name : ( XXXX XXXX XXXX ) XXXX # XXXX Date of Inquiry : ( XX/XX/XXXX ) Creditor Name : ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date of Inquiry : ( XX/XX/XXXX ) I did not authorize this inquiry, and it does not meet the permissible purpose requirements outlined in 15 U.S.C. 1681b. I am requesting that this inquiry be investigated, and if it can not be verified as legitimate, it must be promptly removed from my credit report, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting a written response detailing the results of your investigation. This response should include the steps taken, the findings of your investigation, and any documentation used to verify the legitimacy of this inquiry. 
To assist with your investigation, I have enclosed the following documents : A copy of my government-issued ID to confirm my identity. 
A utility bill or bank statement to verify my current address. 

Legal Obligations : 1. 15 U.S.C. 1681i ( a ) ( 1 ) : Credit bureaus must conduct a reasonable reinvestigation of disputes and verify the accuracy of the information in question. 
2. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If an item can not be verified, it must be promptly deleted from the credit report and not reinserted without proper certification. 
3. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Credit bureaus are required to provide a detailed written response explaining the results of the investigation and any actions taken. 
As mandated by the FCRA, I expect this investigation to be completed within the 30-day timeframe established by 15 U.S.C. 1681i ( a ) ( 1 ). If the inquiry is found to be unauthorized, I request its immediate removal and written confirmation of the resolution. 
Should you require further information or have questions regarding my dispute, please contact me directly at [ XXXX ]. 
Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was out of country from XX/XX/XXXX to XX/XX/XXXX and when i come back to state i've noticed that my credit score was huge dropped and i look into my account and i had a late payment history which doesn't make sense to me so I looked up my credit report and I noticed that XXXX XXXX XXXX XXXX reported late payment of {$8.00} dollars on my report which I didn't use this card over the 1 year period and I did set up Auto Payment to avoid any missing payments all of my credit card company includeXXXX XXXXXXXX XXXX XXXX  I called and explained that It's not possible to late payment occurredin my account and they said it was some kind of unusual membership charge and that charge can not be processed using auto payment system which is nonsense and I told them I was out of country more than 6 months and I never use credit card during the period and I requested them to reinstate my account status as a current so that my credit scores back but they declinedmy request. This is an absolutely unfair act and I do not deserve XXXX points dropped because of the unusual membership charge or whatever they call it. Please help me on this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I called Transunion twice regarding XXXX accounts from XXXX on my credit report but was placed on hold for an extended period of time and eventually the call dropped.
Product: Debt collection

the guy from Integrated Services used inappropriate language, contact family members told them I wrote fraudulent checks, and makes daily calls. I informed the guy that I did not take out the loan and also informed him of the police report that I filed when my personal info was given out without my knowledge. This guy threatened to call my husband and also knew exactly the make and year of vehicle that I drive ; he also knows very intimate personal info. He knew my whole financial history. I am afraid that they will get me fired from my job. The guy was extremely nasty! I tried to call the company in which they said I owe the loan to, XXXX and XXXX said they did not have the account due to the account being sold to XXXX XXXX XXXX, I called the number and did not answer. I do n't know what else to do!
Product: Credit reporting or other personal consumer reports

I received a response from Transunion stating they verified an account as accurate. I looked at my credit report today XX/XX/year>, and still see incomplete and inaccurate information. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. ( XXXX XXXX ) XXXX XXXX - XXXX - Information is reporting inaccurate and is still not correct. So I request a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 and 15 USC 1681i ( 5 ).
Product: Prepaid card

Have not be able to access direct deposits in more then 14 days customer service rep claim that they do n't have access to members account and will not be able to assist you and are taking your number down. This all started two weeks ago with a system update that was only suppose to take two days. I have had a account with rushcard since XXXX this is total unacceptable. I have been working for free this past week I have no way to buy for get to work pay bills or take care of my kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, 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: Credit card

XX/XX/2016 my son 's computer was taken over by hackers. They were in the computer that why his IP address was on all the fraud charges. They ( the hackers ) were in his computer and his accounts. 
The very same day he had bought an item on line for {$40.00} and he used XXXX but the underlying credit card was a Citicard. You will see when he was hacked on XX/XX/2016 the charges were about {$2800.00}. All the charges had been reversed by Citicards. 
This one merchant filed paperwork with XXXX and provided fake paperwork that showed that the merchandise was delivered between XXXX-XXXX on XX/XX/2016 to our house. When XXXX received the information from the merchant they went ahead and charged my son 's account on his Citicredit again. 
Citicards refunded the charge for {$40.00} that was a charge that was made by my son. Every time I spoke to them I was told that the refund had been made. They keep insisting that the {$40.00} is a correct refund. The {$40.00} has nothing to do with the fraud that we are trying to have corrected. 
My son works at XXXX as a loader. He clears about {$300.00} in a good week. He is a part time worker. He has no need for Bitcoins. That what the merchandise turned out to be. 
My son XXXX card was also hacked for about {$1500.00}. XXXX credited the account in a timely matter. The hackers also cleaned out his checking account and he was under water for about {$5000.00}. We had this money restored by XXXX within a few days. 
It was a major hack that involved XXXX credit cards and a checking account.