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

TransUnion has been reporting a tax lien on my credit report for most of this year. This is an error from XXXX XXXX due to their slow process to resolve issues. I have sent TransUnion requests to validate and verify with XXXX XXXX XXXX XXXX XXXX and provide proof based on the right 's given to me under Sections 610 ( A ) ( 1 ), 605, 609 &  623 of the FCRA. TransUnion 's response was a claim that they certified the information was reporting accurately. They NEVER sent the proof I requested so I contacted the XXXX XXXX XXXX XXXX XXXX requesting to see this information that TransUnion claims to have verified. XXXX XXXX XXXX XXXX XXXX sent a letter stating that operators may confirm a specific tax lien has been recorded but operators " CAN NOT VALIDATE OR VERIFY RECORDED TAX LIENS ... .Recorder has NO ABILITY OR AUTHORITY to validate or verify recorded tax liens. '' I sent that letter to TransUnion explaining that they are still reporting information that has NOT been properly verified and based on FCRA Sections 611 ( 5 ) ( A ) & 1681 ( A ) ( 4 )  the information they are reporting must be deleted. I called TransUnion on a couple occasions and have been disconnected when asking to receive the information they claim to have verified. My last conversation was with a lady named XXXX at XXXX XXXX on XXXX/XXXX/XXXX. XXXX was informative. She claims that TransUnion verified the information although company policy could not let them share the alleged verification due to company policies. I told her to reference the letter I sent from XXXX XXXX RXXXX XXXX XXXX and she stated that the letter was only referencing calls made to the XXXX and she completely ignored the statement in the letter clearly saying that the " Recorder has NO ability or authority to validate or verify recorded tax liens. I asked to speak to a supervisor and a very similar conversation took place. I asked to receive the proof that the information was actually verified, [ which again is my right and their responsibility based on FCRA Section 610 ( A ) ( 1 ) ], and my call was disconnected. I have notarized documents that XXXX XXXX XXXXt has in their possession, which shows they have reported inaccurate information. So I am very confused how TransUnion can certify and still report any of this inaccurate and improperly verified information. 

I have been attempting to resolve this matter with Transunion through mail, phone calls and various documentation and have NOT had any success. Please have this credit bureau remove the improper and unverified blemishes from my credit report. 

Thanks!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit reports, and I noticed several inaccurate accounts and discrepancies that are showing on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX date {$720.00} .These accounts are allegedly listed as being DELINQUENT and/or NEGATIVE, and they are negatively affecting my credit file. I have submitted several complaints to the FTC and CFPB regarding these matters. I am also a victim of identity theft, and I have submitted all necessary documentation to support this issue with each bureau. I am not liable for these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX date {$720.00} show payment and active dates that are inaccurate for ALL bureaus. This information is inaccurate and has not been verified with any documentation to support its status. I have not been notified, and it has been BEYOND 30 days for these inaccuracies to be resolved. THESE ACCOUNTS MUST BE DELETED! The bureaus are in clear violation of the law. First, 15 U.S.C. 1681A states that I have a right to privacy. Second, 15 U.S.C. 1681B states that a consumer reporting agency can NOT furnish an account without MY written instructions. Third, this is a violation of 15 U.S.C. 1681i ( 5 ) - Removal of Inaccurate/Invalidated credit information. ALL LISTED ACCOUNTS ARE REFLECTING INACCURATE AND INVALIDATED INFORMATION! ITEMS HAVE BEEN DELETED AND READDED TO MY CREDIT FILE, AND THIS IS ILLEGAL! YOU CAN NOT DELETE AN ITEM AND ADD IT BACK ONCE IT IS DELETED FROM A CREDIT REPORT! YOU ARE ALSO VIOLATING FCRA SECTION 609 ( A ) ( 1 ) AND SECTION 623 ( A ) ( 5 ) - YOU HAVE NOT PROVIDED ACCURATE DATES OF DELINQUENCY ON THE CHARGE OFF/COLLECTIONS AND THE YOU HAVE ILLEGALLY REAGED THESE ACCOUNTS. ILLEGAL REAGING IS A VIOLATION AND IS ILLEGAL UNDER THE FCRA. THIS ACCOUNT WAS MARKED AS A CHARGE OFF THEN READDED
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$400.00}, {$0.00}, {$3200.00}, {$530.00}, {$750.00}, {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted these companies I dont recognize and its effecting my credit report I am trying to build my credit and these are incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit with Check into Cash and they made inquiry without reason. I dont have credit with them, It is not fair.
Product: Mortgage

This is the second round of complaints on this sorry company The complaint before was they did not pay my homeowners insurance out of the escrow and they almost cancelled my policy. Now they have raised my house payment by {$310.00} a year with no explanation. They're always short funds in the escrow, never enough money this has to stop. They're committing price gouging. They were supposed to contact me to refinance my loan yesterday for USDA and the guy named XXXX XXXX no longer works there and they know nothing about the previous notes. I talked to this guy in XXXX to start the process. I want my loan refinanced today. I am sick of this company getting away with this. I keep asking for help for my family and their home. All this company wants is for me to close the complaints as soon as possible. I'm not closing it. Refinance my XXXX loan the government has lowered rates and XXXX XXXX won't let me refinance. They keep you on hold for hours trying to get XXXX loan officers on the line. Please help me get this resolved once and for all.
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX '', and I have noticed on my consumer report that I have a bankruptcy that must be deleted off my consumer report immediately. It has impacted me deeply and has hurtled me. The consumer reporting agencies XXXX XXXX, Experian, XXXX, and XXXX have validated codes 15 U.S Code 1681 s-2 " furnishes of information to consumer reporting agencies. They have reported a bankruptcy knowingly that it's not connected to me. And I have on record that I am not connected to this public record. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within XXXX business days. Due to me filing my XXXX Report. This law states that if you file a police report through the XXXX, it must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had my previous score a month ago at XXXX. It now has been dropped to XXXX. A 140 point drop. And they can give no explanation why. Transunion needs to be investigated for unlawful manipulation of credit scores. In a time where people could use some help these people don't give a XXXX about no one but themselves.
Product: Money transfer, virtual currency, or money service

Something happened with my account i dont know whats going
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion to get there assessments in verifying items listed below. That are on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, they stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 )
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL CREDIT SYSTEMS HAVE FAILED ME THEY HAVE NOT REMOVED THESE ACCOUNTS FROM MY REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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
Product: Credit card

On XX/XX/XXXX, I was instantly approved online for the Alaska XXXX XXXX XXXX Credit Card ( ending XXXX ) with Bank of America. A letter dated XX/XX/XXXX, was sent stating suspicious activity was detected and requesting that I call XXXX within 25 days to verify my identity, or my account would be closed without possibility of reactivation. 


Upon receiving this letter, I immediately called the provided number twice on XX/XX/XXXX. During these calls, I was informed that I needed to verify my identity in person at a Bank of America branch in the United States. However, I was unable to do so immediately as I was traveling outside the state at that time. Both representatives offer no other solution other than verifying my identity in person at a branch. 


As soon as I returned, I visited the Bank of America branch at XXXX XXXX, XXXX XXXX, NY XXXX on XX/XX/XXXX, around XXXX PM. I met with XXXX XXXX XXXX XXXX, who attempted to help by calling several internal departments but was unsuccessful in getting the card reopened. She scheduled a follow-up appointment for XX/XX/XXXX. 

At the follow-up appointment on XX/XX/XXXX, I met with Senior Banker XXXX XXXX XXXX XXXX who advised that the only solution was to submit a new application. Following the banker 's instructions, the banker submitted a new application ( reference # XXXX ) directly through the bank 's internal system during this branch visit. The next day, on XX/XX/XXXX, I received notification that this application was declined. 


After receiving the decline email, I immediately made multiple attempts to resolve the situation by phone. I called XXXX times on XX/XX/XXXX, starting at approximately XXXX PM ET. During these calls, the representatives informed me that the only way to request reconsideration of the application was via letter - a response that seems unnecessarily bureaucratic given that I had already verified my identity in person at a branch just the day before. 


Subsequently, I received a formal decline letter dated XX/XX/XXXX, stating that the application was declined because I " have, or recently have had, a sufficient number of accounts with us and/or our affiliates. '' This reason appears contradictory given that the bank had just approved me for the same exact card on XX/XX/XXXX, and the new application was only submitted because of their own identity verification requirements and the force closure of the previous card. 


This sequence of events has resulted in : 1. Two hard inquiries on my credit report for the same product without receiving any usable credit card. 
2. Loss of the original approval and associated XXXX XXXX  XXXX miles signup bonus and other card benefits. 
3. A declined application after following the bank 's own instructions for resolution.

4. Significant time and effort spent attempting to resolve this issue through proper channels ( multiple phone calls and two branch visits ). 
5. Being forced into a lengthy written reconsideration process despite having already verified my identity in person. 
6. Receiving a decline reason that contradicts the bank 's own recent approval decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX .... Balance {$61000.00} - Data furnisher is in Violation of FCBA 15 US Code sS 1666 " Adverse action '' never notified me about putting any negative information on my credit report or reason why?. The " Account Specifics '' " dates for payments '' and dollar amounts are all inconsistent. This negligence by the Data Furnisher has led to " Billing Errors '' on the " Payment Grid '' and Please remove from my credit reports consistency with amounts along with erroneous and inaccurate information between all 3 bureaus. These are violations of Eoscar and Metro2 protocol for the " carbon copy rule '' for all data furnishers to be in compliance. This was done to avoid the reporting of erroneous and inaccurate information between all 3 credit bureaus and the data furnisher is in violation. Please correct and update. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance {$520.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance {$9600.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

SOUTHWEST CREDIT SYSTEMS XXXX Balance {$670.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX .... Balance {$1900.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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

On XXXX/XXXX/16, I disputed the XXXX account on the Equifax credit bureau, account number XXXX. I was but am no longer an authorized user and I want this account deleted. Equifax responds by reporting this account as a " reinvestigation '' which is not accurate as this was the first investigation. I called Equifax about this and they said there is nothing that they can do and refused to help me delete this authorized user account or change the dispute wording.
Product: Vehicle loan or lease

This was a lease that I entered into with GMfinancial. The agreement opened on XX/XX/XXXX and ended XX/XX/XXXX. It was a 36 month lease term that ended early. I choose to end the lease as my wife was over miles 2 months early. GM and I worked out the payments need to complete the agreement, which I paid in full. The total of {$2700.00} was paid for early termination and mileage. I opted to ground the car at the dealership that I purchased a new GM car from. Throughout the life of the lease, I had an excellent payment history.

GMFInancial is appearing on the derogatory section of my report. This should not be derogatory and be removed. This has hurt my credit score and resulted in high costs to buy another vehicle. I have been unfairly affected as a consumer by this error and should be compensated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without a written consent.
Product: Credit reporting or other personal consumer reports

There is collections on my report and these accounts does not belong to me. I have never inquire or requested these accounts from the companies, I am disputing these accounts and requesting they are removed. I have never open a XXXX card, none of the information belongs to me.
Product: Checking or savings account

I wanted to link my once accounts to the XXXX XXXX XXXX XXXX XXXX APP, I was able to connect my XXXX XXXX BUT NOT MY PNC BANK, PLEASE INFORM PNC TO ALLOW THIS!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$12000.00}, {$4500.00}, {$4700.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company will not remove inaccurate illegal transactions/experiences from my consumer report as they are prohibited per the FCRA and UCC. Company is causing intentional harm due to violations can have civil action taken against them for such activity.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I contacted all 3 credit agencies about a medical collections notice that they were reporting. It's illegal to report medical bills due to HIPAA. XXXX and XXXX agreed to remove the collections and update my report. Experian is choosing not to remove the remark which is why I'm sending in this complaint. Tell Experian to remove the collections from my name immediately!