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

To Whom It May Concern, I am writing to file a formal complaint against TRANSUNION for their failure to remove fraudulent accounts from my credit report as required by law.

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following accounts remain on my credit report : XXXX ( Accout Number XXXX ) XXXX  ( Account Number : XXXX ) 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation. 
I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

i did not open this account they keep puting it back and changing the name creditor has violated my rights under section 605b
Product: Credit reporting 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 168.XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX 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: Debt collection

Toyota Financial Services continues to refuse lawful payments made on the account, despite having received valid negotiable instruments in accordance with UCC Article 3, 31 U.S.C. 5103 ( Legal Tender ), and 18 U.S.C. 8 ( Obligations of the United States ). These instruments are valid forms of payment intended for discharge of the alleged debt, yet XXXX continues to deny them without legitimate grounds. 

I have lawfully rescinded the contract, endorsed it with a restrictive endorsement, and voided all terms, including revoking their security interest. Despite this, XXXX refuses to recognize the rescission and continues to wrongfully claim I am in default. They have also engaged in fraudulent practices by selling the original contract to Toyota Motor Credit Corporation without recourse, making them the debtor under the original transaction. 

Additionally, Toyota Financial Services representative acknowledged over the phone that payments sent to their Indenture Trustee, XXXX XXXX XXXX would take longer to process. However, a subsequent representative falsely claimed the payments were fraudulent, without citing any applicable law or statute to support their position when asked to do so. 

Their continuous refusal to accept lawful payments and their willful misrepresentation of the validity of my payments is tantamount to securities fraud and deceptive trade practices. Their insistence on only accepting XXXX dollars contradicts 31 U.S.C. 392, which states, All coins and currencies of the United States, regardless of when coined or issued, shall be legal tender for all debts, public and private. 

Furthermore, XXXX continues to negatively report to credit bureaus, severely impacting my ability to refinance my home and address other financial obligations. As a XXXX veteran with severe XXXX, this malicious conduct has caused undue emotional distress and financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting an investigation into the fraudulent frivolous unknown unauthorized accounts that's reporting on my credit files. I'm asking for the details of this investigation or as printed in the laws of the FCRA if not then remove the following accounts. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX {$370.00} 4 ) XXXX {$180.00} 5 ) XXXX XXXX {$150.00} 6 ) XXXX XXXX 7 XXXX XXXX XXXX XXXX {$610.00} 8 ) XXXX  XXXX  {$41.00} 9 ) XXXX  XXXX {$40.00} 10 ) XXXX XXXX  {$20.00}
Product: Mortgage

This is the second appeal regarding our mortgage at XXXX and Seterus. After two years of losing docs from us and then losing our file and delaying our efforts at foreclosure and/or deed-in-lieu, Seterus now claims they ca n't foreclose or grant us a deed-in-lieu or a modification because they " just discovered '' a lien on the title. Our loan had been sold and resold from XXXX to XXXX to Seterus, the last one, XXXX to Seterus, with XXXX failing to file a reconveyance. So, XXXX still can claim our title and Mortgage? Except now XXXX is out of business and someone from that 'out of business ' company may still have the original legal mortgage that my wife and I signed. How did Seterus " buy '' it without clear title from diligent professional title check? This started when XXXX and my wife and I being hit with XXXX bills and asking Seterus for help. Are we being conned or played by unscrupulous real estate/mortgage gimmicks?
Product: Debt collection

I have sent multiple letter to XXXX, XXXX  and also to Midland Funding who say i owe them which i do not have any type of contract or agreement to pay them. I have tried to get them to verify the debt, but they could not do it and XXXX  and XXXX  say it is true, but XXXX has taken it off since they were not able to verify it. And i have sent them certificated letters tiring to verify it but the would not send it or i would have to call multiple times to get them to send me something which they was not going to if i didn't talk to a manager there. Also the amount that they say i owe them is different than what is on the credit reports. Along side that they did not send me any contracts they sent me a copy of a bill that is not mine since it is not made out to me unfortunately I am a XXXX and XXXX XXXX is my father who has passed away.
Product: Credit reporting or other personal consumer reports

Remove this account because the payment history reflects continued reporting a change off after this account was closed in XX/XX/year> This represent an improver use of my credit report. 

XXXX. XXXX
Product: Debt collection

More detailed information may be round in a prior complaint submitted to CFPB on XX/XX/XXXX, Complaint Number : XXXX. 

Multiple complaints were filed for multiple identity fraud credit accounts on my credit files. Most were resolved after I provided additional information, and they were received from two of my credit files. XXXX and XXXX removed several fraudulent accounts. Thank you for your help in making that happen. 

The one I am making this complaint about was not removed. Additionally, XXXX has not removed any of the fraudulent information. 

The collection that remains is from : NCA National Credit Adjusters , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX They sent me some credit card statements that are addressed to an address in Florida where I briefly lived in XXXX. There is only one statement with activity dated XXXX XXXX. It is scheduled to be removed from my report on XX/XX/XXXX which suggests the first default was XXXX XXXX. These dates are in line with all of the other identity fraud accounts removed. They ranged from XXXX. This is the same time as the XXXX Data Breach in XX/XX/XXXX. My investigation has confirmed that the IP Address of the person opening this account was located in Kansas in XXXX, and northeast Florida in XXXX. Two places I have never been. 

I requested from NCA multiple times a signed cardmember agreement for this account, I received no response. I am compiling all the evidence, including police reports I made on multiple accounts in XXXX, totaling seven fraudulent accounts that were removed from my credit files. Some of these were re-sold and were again placed on my credit files and removed again in XXXX. Welcome to round three. 

I find it interesting that both XXXX and XXXX have found the other accounts fraudulent and removed them and XXXX found those same accounts to be validated. Maybe another round of modifications to the e-OSCAR system is in order, or better yet, maybe the CRA 's should be required to actually investigate fraudulent charges before they do incalculable damage to an individual. Just a thought. 

Please help me with getting an actual verification of this debt so that I may have it investigated by law enforcement. Or, please help me get it removed from my credit files. Please also advise me what I should do about XXXX validating what the preponderance of evidence verifies are fraudulently opened accounts as a result of identity theft. I have requested in writing a copy of the XXXX e-OSCAR results and lists of the three-digit codes for all accounts that are fraudulent and I have disputed that they allegedly validated, in accordance with section 611 of the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report. Upon reviewing my report, I noticed that certain accounts that I have paid off are still being reported as negative. 

Despite having settled these accounts, they continue negatively impacting my credit report. This discrepancy is impacting my credit score and my ability to secure financial opportunities. 

I kindly request that you investigate this matter and update my credit report to accurately reflect the paid status of these accounts. I am prepared to provide any necessary documentation to support my claim. 

Please confirm receipt of this complaint and inform me of the outcome of your investigation. Thank you for your prompt attention to this matter.
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 XXXX XXXX XXXX. 
Accounts are : XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX DEPT OF ED ACCT # XXXX / XXXX ACCT # XXXX DEPT OF ED ACCT # XXXX DEPT OF ED ACCT # XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX-OPENED XX/XX/2014 ACCT # XXXX XXXX OF XXXX DEPT OF EDUCATION/NELNET-OPENED XX/XX/2014 ACCT # XXXX XXXX XXXX XXXX ACCT # 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 an 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 or prepaid card

XXXX XXXX XXXX ( " Brokers '' ), and XXXX XXXX XXXX XXXX, ( " Carriers '' ), failed to deliver all my items as promised within 30 business days. I disputed a {$750.00} credit card charge against Brokers for breach of contract and loss of property.. When Carriers finally arrived with my property on XX/XX/2022, Complainant paid carrier remaining {$800.00} balance, plus gave Carriers a {$750.00} money order payable to Brokers as replacement and settlement for the disputed credit card charge, otherwise Carriers and Brokers would hold my property hostage in a storage facility until I paid remaining balance. The Broker received and deposited the {$750.00} money order plus another {$750.00} from the credit card charge because Broker refused to notify credit card institution that they received full payment and the disputed charge was reversed. The Broker willfully and knowingly is double-dipping, receiving {$1500.00} when they are only entitled to {$750.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to transunion for reporting a XXXX XXXX credit card that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone else 's name is attached to my account. XXXX XXXX of XXXX XXXX, XXXX, XX/XX/27
Product: Debt collection

Creditor had agreed to delete information on credit report when account was paid and closed. This never happened
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby authorize CFPB to contact TransUnion on my behalf. File # XXXX. Called and spoken to two TransUnion staff between XXXX and XXXX EST on XX/XX/XXXX.

Strong complaints against TransUnion : 1 ) Refusal to remove or investigate unauthorized or fraudulent hard inquiries ( Regular Inquiries ) : - XXXX  XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX Spent over 1 hour on the phone with first a rep, then her supervisor, explaining how I never authorized these hard inquiries in XXXX and XXXX. Did not even recognize who XXXX  XXXX  was. Explained I had previous credit cards like XXXX XXXX  with XXXX  XXXX  but all cards were closed without balance in XXXX. Obviously XXXX  XXXX had internal staff using my personal information without authorization to steal my credit report information. TransUnion requested me, the victim, to contact the unauthorized entities to receive a letter saying I never authorized them. That was ridiculous. It's like the Police asking a victim to call the thief to request a confession of theft. Also explained my XXXX  credit report has absolutely no such entities. 
2 ) Freely providing my private information without authorization : Under soft inquiries ( Promotional Inquiries ), TransUnion shared ( or SOLD ) my personal information like address, phone number etc. with five businesses unknown to me for a total of 11 times in XXXX  alone. These businesses are : - XXXX  XXXX  - XXXX  XXXX  - XXXX  XXXX  XXXX  - XXXX  XXXX  XXXX XXXX  - XXXX  XXXX  XXXX, XXXX  NEVER seen these businesses in my life! But this will explain the daily spam calls and tons of junk physical mail in my mail box. Shame on TransUnion!

3 ) Vastly inaccurate credit limit information causing horrific Vantage 3.0 Score. Both FICO and XXXX  show my revolving credit limit at $ XXXX. TransUnion shows $ XXXX  because they never updated my increased credit limits in the past two years, or they entered the wrong credit limits on some cards. Thanks to TransUnion 's consistently wrong information, my Vantage 3.0 score is XXXX  whereas my Fico Score is between 720 and 790 depending on the type. Spoken to many experienced bankers and credit score experts. This level of discrepancy is unheard of!

I suspect I am not alone and TransUnion has a fashion of sloppily entering incorrect information and then refusal to correct the wrong information. All they are focused in is selling my information for $ $ without ethics or remorse. Compared to XXXX  or XXXX  who are far more ethical and consumer-friendly, TransUnion should be investigated by CFPB and FBI. If found guilty, should be fined or banned. Holding the global gold standard of credit systems, we can not afford to have a highly dishonest or sloppy credit reporting agency in these United States of America!
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : EQUIFAX ... ..I REQUESTED COPY OF REPORT OVER 45 DAYS AGO TO SEND UPDATE FREE ANNUAL CREDIT REPORT AND TO THIS DATE REPORT HAVE NOT BEEN RECEIVED
Product: Checking or savings account

I reported fraudulent activity that had occurred on my chase business checking account. I called their customer service department as well as went to a local branch within 60 days of becoming aware of the fraudulent transactions. When I met with the chase bank manager he reassured me that I was within the 60 day reporting deadline for reporting the fraudulent transactions and that Chase was going to reimburse me for the fraudulent transactions that had occurred on my account. I also verified that the Chase online policy also stated that fraudulent activity needed to be reported within 60 days. Upon completing their investigation Chase did not reimburse me for one of the fraudulent transactions claiming that I did not report this transaction within a timely manner, furthermore stating that I had only XXXX  days to report the fraudulent transaction. I have looked through the Chase policies fine-print and everything in their policies states that the reporting has to occur within 60 days, not 35 days. When I met with the local Bank manager, he also stated that he was not aware of a 35 day reporting policy for fraudulent activity. I'm helpless at this point and as a consumer and their lack of disclosure puts me in a position where I can not hold them accountable for their own policy. To this day Chase has not provided me with any public-facing proof of this 35 day reporting policy for fraudulent activity. Please help me to hold them accountable.
Product: Debt collection

At XXXX, I received a phone voicemail from my XXXX XXXX to call back. 

" Please do not disregard this message... I'm calling to verify a current address as were as a place of business address to proceed against you at this time. You are forfeiting your right to take care of this matter. We will contact your human resource department to follow proper protocol and procedure to move forward with the next steps. Again, the client is willing to rectify this matter they hear from you today, their number is XXXX and reference your client number XXXX XXXX and ( XXXX ) this my final attempt. You've been officially notified '' At XXXX on XX/XX/XXXX, I received a phone message from XXXX from XXXX XXXX XXXX immediate contact about an outstanding balance with HSBC XXXX XXXX XXXX. 

I called the number and spoke with XXXX XXXX from XXXX. XXXX and he stated that I had an outstanding balance of {$1500.00}, with the option of litigation and collections of garnishment of wages. He provided me with only XXXX option, pay {$1000.00} within the end of the day or receive garnishment litigation. 

I informed him that I didn't have any money to make any payment until XX/XX/XXXX, but he didn't want to accept and instead informed me that litigation will proceed. 

I then contacted HSBC, or which I never had any account, and confirmed that my personal information was not in their databases. No social security number, no phone number reference, and no address cross reference. 

I then contacted XXXX XXXX and the phone went directly to XXXX. He said that the reason why the information from HSBC was sold to XXXX XXXX already for collections. I asked him for documented mailed announcement before a review of the claim, and he stated that I was to provide a credit card number before he would provide the documented information. I then did a quick credit history and there was no information of HSBC on my credit history. I then informed him that I had discussed the matter to HSBC and he informed then that litigation and garnishment will proceed and told me to have a nice day. 

I see this as a scam, because I haven't been eligible for any credit cards since pre XXXX 's. I've used only XXXX Debit card from XXXX bank since XXXX and do not see any validity to the claim that I am owed any about because I didn't have any account with HSBC. 

The person is XXXX at XXXX XXXX at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.