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

I would like file a complaint against Transunion for Violation of The Fair Credit Reporting Act. I called Transunion first and complained the collections account from XXXX XXXX XXXX in the amount of {$4000.00} should not be on my credit report. This account was placed on my credit report before, and I disputed and submitted proof. There are notes on all 3 credit bureaus that I'm a victim of identity theft. This account should have never been allowed to be re-entered. It got re-entered 2 yrs later, and this time they added a number behind the name which makes me think this is their way of the account not being flagged.This should have never happened because my credit report is frozen and locked and was at the time this was placed on their. I have never had them. The rep stated she would reach out the company and that I had to allow 30 days. On XX/XX/2023 I contacted the collection agency XXXX XXXX XXXX and filed a dispute with the XXXX after seeing a collections account on my credit report for XXXX. Im currently a victim of identity theft where people are using my name, address, social security number, date of birth, email address and telephone number. I have everything you can ever think of place. My credit report is frozen and locked. I have a pin number for the banks. Requirements that Im notified and only new accounts by bank must be done in person and require 2 forms of identification and a past code. This have purchased monitoring services with the credit burearu XXXX and I also have had XXXXXXXX XXXX and other credit protection services. I filed a report with the FTC, police report, and the FBI. 
None of this working, this account popped up about 2 years ago and I disputed it. I submitted proof that I have never had the services with XXXX. There is also a class action lawsuit on this. XXXX XXXX XXXX XXXX XXXX, I filed a complaint also with XXXX XXXX XXXX XXXX and they replied to the XXXX  complaint stating they confirmed the account was fraudulent and it would be closed. They were waiting on Transunion to remove the account from my credit report. It would allow 30 days.. Its now XXXX XXXX and this fraudulent account has not been removed yet. I filed another complaint with the XXXX  and advised this has not been resolved. I would keep my complaint open with the XXXX until this resolved. But the XXXX has closed it because XXXX XXXX XXXX XXXX states they have done their part and closed the account. It ; s up to the Transunion now to remove the account. Transunion even responded that it would be removed, and still has not been removed by Transunion Credit reporting agency Im demanding this be removed by Transunion immediately. They should be fined at this point because this has not been resolved which has impacted my credit score. I want this removed, and copy sent this has been removed immediately. I think they should fined by the Consumer Financial Protection Bureau for failure to delete inaccurate fraudulent information timely
Product: Debt collection

On XXXX XXXX, 2016, I received a letter from Allied Interstate LLC a debt collection company attempted to collect an debt unknown to me in the amount of {$48000.00}, plus {$140000.00} in interest. The alleged debt total was stated to be {$63000.00}. 

This is an outrage as I do not owe anyone this debt. The letter says that the " debt due is a charge-off '' of {$48000.00}. 

The original Creditor is stated to be XXXX. The Creditor is stated to be XXXX. The Account Number for Allied Interstate is listed as # XXXX. I have not had any business dealings with any of the above referenced entities. 

In my letter to Allied Interstate LLC, dated XXXX XXXX, 2016, I disputed all aspects of the alleged debt and the authority of Allied Interstate to pursue any action of any sort against me. 

I submit that this activity on the part of Allied Interstate is a violation of the Fair Debt Collection Practices Act, 15 USC 1692, and other consumer protection laws as well. They are attempting to collect a debt that is not mine. They are trying to collect some kind of non-existent debt from a securities " Trust '' of some kind - it appears. 

I also believe that they are threatening some kind of legal action, i.e., " If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt : ''. It is my understanding that these types of companies try to initiate lawsuits without properly serving people with the required notices. 

Allied Interstate LLC also states that, " Your creditor or debt collector believes that the legal time limit ( statute of limitations ) for suing you to collect this debt may have expired. It is a violation of the Fair Debt Collection Practices Act, 15 USC 1692 XXXX to sue to collect on a debt for which the statute of limitations has expired. '' EXPIRED!!!
Product: Credit reporting or other personal consumer reports

XXXX I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Coinbase refuses to allow me to close my account. They want me to upload my state issued ID in order to close it, and I do not trust them with my personal info, as I received an email indicating my account may have been compromised. Instead of closing the account for me, they are holding it XXXX. They would not even let me donate the XXXX CENTS left in my account without uploading personal info. It's a way of keeping my account XXXX, and after speaking with their customer service, they refused to provide any further assistance.
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 and account # XXXX, Account name : XXXX XXXX  and account # XXXX, Account name : XXXX and account # XXXX, Account name : XXXX XXXX  and account # 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 reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

FOR Experian 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX  Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX  1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS XXXX 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Debt collection

I have closely reviewed my recent credit report and identified several accounts that I do not recognize and believe were added without my knowledge.
Product: Money transfer, virtual currency, or money service

XXXX payment using Chase Bank processes a transaction for {$1900.00} after I saw the transaction in " pending '' status and requested they deny payment as the payment was not authorized by me. They allowed payment refusing to honor my stop payment
Product: Credit card

My credit score dropped due to incorrect late payment information when my mortgage was sold, which dropped my score and the credit card closed my account even though I have never been late on a payment
Product: Debt collection

I have a medical bill that is not mine and I need to get it off of my credit report XXXX balance is XXXX dollars Company is Wakefield Be advised, this is not a refusal to pay, but a noticed that your claim is disputed and violation is requested under the fair debt collectors practice act I have the right to request validation of the debt and say I owe you. I am requesting proof that I am indeed, the party you are asking to pay this debt and there is some collateral obligation that is binding on me to pay this debt. This is not a Verification or proof of my mailing address but a request for validation made pursuant To 15 USC 1692G section 809B of the FDCPA I respectfully request that your office is provide me with competent evidence that I have any legal obligation to pay you
Product: Mortgage

I applied for loss mitigation after XXXX and not having been able to keep up with my mortgage. I confirmed that the application was complete in XXXX. The lender then stated they needed an additional document. I believe that was late XXXX. I sent that document the same day. I was assured my app was complete and I would receive a decision within 30 days. Months later I received a letter they needed a new profit loss statement. I sent that. They put my house up for auction again in XXXX to sell XX/XX/XXXX. I sent the forms again. I was told when I called they needed another full application. I sent it ALL again. Two call center reps have confirmed that they have everything they need but that its now too close to auction time for them to process my application. I do not understand how its too close to auction when I started filing back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been an account holder for many years. After I used their credit " services '' my credit score hasn't been attainable since!! They were supposed to dispute things on my behalf and help me. I feel like they stole my information because since then I've had things put in my name that I haven't had any parts of. I let my account close because I kept being charged here and there for what seemed like nothing. I re-opened my account last year and had the same problem. On top of the ATM never letting me take money but CHARGING ME FOR USING IT. Or the one time the atm ATE my card and I had to take half a day off of work to work with the manager to try to release it at the actual BANK LOCATION. I had to give several companies different banking information because I would have money in the account to cover and they would still charge me and not pay the company. Charging me for going below a certain amount when I was over the amount. I took a {$5000.00} check in there when a family member passed and they wouldn't even cash it. I had an account!!! For a while!! I had to end up waiting over a week for them to release my money. I was stranded in a whole other state because they wouldn't release MY MONEY for the LONGEST hold I've ever heard of!!!! Then they charged me to cash it when I had an account!!!!! I will NEVER bank with Wells Fargo again!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Complaints, I am greatly disappointed with the " XXXX XXXX XXXX XXXX   '' and Experian/XXXX  for failing to provide me with my free annual credit reports and their unhelpful service. 

I first requested my free annual credit report electronically on XX/XX/2020. But I was only able to obtain the XXXX  report. XXXX  and Experian failed to provide my report even though I answered their questions correctly. 

I requested my credit reports for XXXX  and Experian by mail on XX/XX/2020 though the Annual Credit Report service and supplied all the supporting documentation. They sent back unhelpful responses stating the criteria for obtaining the credit reports but without mentioning anything specific that was wrong in my application. 

I sent a new request by mail on XX/XX/2020. This time I included even more information than necessary and even went so far as to take a photo of myself holding my driver 's license, but they sent back the same unhelpful response. Frankly, I feel this response was both unhelpful and unprofessional. I feel this way because I spent a couple of hours to write out a thoughtful detailed cover letter addressing all their possible concerns, but they dismissed my efforts completely by sending the same generic and unhelpful response! 

My questions for Annual Credit Report/Experian/XXXX  : 1. Did you receive the copy of the front of my driver 's license ( Yes/No )? 
2. Did you receive the copy of the back of my driver 's license ( Yes/No )?

3. Did you receive the copy of the photo of me holding my driver 's license ( Yes/No )? 
4. Did you receive the copy of my social security card ( Yes/No )?

5. Did you receive the gas bill with my name on it indicating my new registered address in XXXX, Arizona ( Yes/No )? 

Lastly, my purpose for seeking this report is to confirm that no one is using my identity. I have indicated to both Experian and XXXX  that my credit should be dormant. The report should be showing no loans or credit of any kind. No balances at all. 

If there are any issues, I feel that we need to work together to resolve them, but frustrating this process with unhelpful responses is helping no one.
Product: Credit reporting or other personal consumer reports

There are fraudulent inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and their responsibility to safeguard my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquires on my credit from, XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the bureaus they were no help had me on the line waiting and still no help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX North Carolina, started reporting an old debt that I originally was not able to pay starting in XX/XX/XXXX. On my credit report they closed the original account in XX/XX/XXXX and re-opened another in the same month, placed it on my credit report and began reporting as a charge off every month since XX/XX/XXXX. XXXX has not conducted a thorough investigation to conclude that what the company is reporting is accurate and correct. As of today XXXX they have hit my credit again dropping it by XXXX points. This was incurred over 7 years ago, I kindly and plead with the CFPB to force Equifax to do a thorough investigation and remove this account from my credit report. As of today, XXXX XXXX has changed all of the charges they had on the account with XXXX XXXX and current update as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent XXXX XXXX XXXX XXXX  Account on My Equifax Credit Report Dear Equifax, I am writing to formally dispute a XXXX XXXX XXXX XXXX account and a XXXX XXXX account appearing on my Equifax credit report, which I did not open or authorize. I am a victim of identity theft, likely stemming from the Equifax data breach and the XXXX XXXX and XXXX XXXX XXXX both of which compromised my personal information. 
Under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting that you conduct a thorough investigation and permanently delete this fraudulent account from my credit report. This account is inaccurate and does not reflect any financial activity authorized by me. 

I request written confirmation once this account has been permanently removed from my Equifax credit report. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am a customer for Citi bank and I transfer some money into my XXXX XXXX The next day I wake up tried to used my Citi bank card it says it declined I spend the whole day calling them to verify my account they keep telling me they cant verify it I went to the bank in person they told me they cant do that inside the branch I have to called When I keep on calling them they keep telling me they will send me a code which I never receive its been 5 months since they blocked my account with my money in it and whenever I called they said they cant verify my account this is not fair
Product: Credit reporting, credit repair services, or other personal consumer reports

i have teached out to Equifax plenty of times in regard to my birthdate being incorrect and they still continue to report it as such. i have sent my identification card as well as sent XXXX disputes with no moving forward with them. this is affecting me as a consumer and is hindering my consumer profile with this agency. my birthdate is XX/XX/XXXX not in XXXX and i have sent them documentation to verify this and they have responded and failed to correct such information. they are knowing and willing furnishing incorrect information about me. this has hindered me o collect my reports from specific mediums and i have been denied the opportunity to extend my credit due to their negligence.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unverified Account 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 reporting or other personal consumer reports

This is to inform the CFPB. That for the past six months. I have been trying to renew credit with XXXXXXXX XXXX. Unfortunately, there is a freeze on my consumer credit report. With a company by the name of factor Trust which Is owned by XXXX XXXX. On several occasions for the past six months, I've been trying to get their attention, on this freeze. my XXXX freeze is lifted But XXXX XXXX does not want to approve My application Because of that freeze. I have been communicating with, XXXX and factor Trust, to lift the freeze on my consumer credit report but They been giving me a hard time on freezing my personal information this is a strategy for consumers not to get approve Between XXXX and factor trust and XXXX is denying credit to the consumer. Factor trust is demanding my personal information when I have mentioned that all my information is with XXXX since XXXX is owned by factor trust it should not be hard to get my personal information. my understanding is that XXXX  does not want to approve me. All because of my credit history This is called discrimination. Which is a violation. I, the consumer and natural person, was denied credit by XXXX  when I applied for a credit card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by XXXX XXXX and Factor trust. due to the response, I received. XXXX XXXXXXXX. And factor trust. is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX.