23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I reviewed my TransUnion credit report several months after a Chapter XXXX bankruptcy discharge and found numerous errors, so I filed a written dispute via a detailed certified letter. Not only was a lot of my personal information incorrect, the main issue was that the creditor accounts discharged were still noted as delinquent and every trade line contained negative information. Since accounts discharged in bankruptcy are only allowed to reflect this wording and a XXXX balance, and no other negative information can be shown on the account 's trade line, I filed the dispute mainly in regard to the accounts in question. When I received the reply from TransUnion, it was very apparent that no one read my very detailed letter nor did they pay any attention to the meticulous documentation ( my bankruptcy discharge, the creditor matrix and petition ) I enclosed because they did practically nothing to correct the errors in my report. Other than deleting the wrong addresses and some of the incorrect phone numbers listed in the file, nothing else was fixed. They even created a new error by removing my current employer and adding a previous company that I worked for 15 years ago in it 's place! Each of the creditor details were the same and included the very same negative remarks that were there in the first report I reviewed. I spent hours and so much time putting together the package that I initially sent them with notes and back-up documents the first time around to actually have things fixed. I just want it corrected once and for all. I 'm trying to put my life back together. After a bankruptcy, you take the hit by having that public record notation in your file for 10 years. Every trade line in your credit report gets " Bankruptcy '' added to it, as well, but they do n't get to keep any of the balances, delinquency notes and collection remarks, on top of it. Is n't that why you went down the bankruptcy path in the first place - to wipe those slates clean? So in closing, I just want the errors and delinquency information appearing in the trade lines of my TranUnion report fixed once and for all. I have attached a copy of my dispute letter along with the first credit report I received from TranUnion with all of the errors highlighted, the supporting documentation, and the so-called " revised '' report I then received from Transunion. Thank you in advance for your time and assistance.
Product: Credit reporting or other personal consumer reports

According to FCRA and the TILA CRA 's may not report any transactions, experiences, & personal private information. This is a direct violation of 15 usc 1681 and 16 cfr 433.2. Experian has reported my account as late for months of XXXX and XXXX on my already disputed account with XXXX XXXX XXXX. I'd like all delinquency and lates reported corrected to current.
Product: Credit reporting, credit repair services, or other personal consumer reports

This comaplaint is for Citi for the VISA Best Buy credit card. My credit card was used without my consent on XXXX XXXX 2017. There were two charges made. One charge was was at XXXX XXXX XXXX  for {$47.00} and another at XXXX for {$440.00} in XXXX. I do not live or have visited XXXX. I did n't notice these charges on my account until XX/XX/XXXX. I immediately reported the fradulent charges on my account and asked to be sent a new card. My balance on the account before the fradulent charges was {$490.00}. My main problem right now is that Citi closed my account with the balance of {$990.00} and reported it to the credit agencies. My credit report currenly shows that I have a closed account with this high balance. It is affecting my credit score in a very negative way. I understand that Citi needs 10 to 14 days to complete an investigation, but there is no reason why my credit score needs to hurt in the process. I have never been late on any of my payments. I have been a good customer. This protocol they have taken is not right. Why should my credit score hurt while they do their investigation. They should have never closed the account with such a high balance, specially when part of the balance was not even authorized by me. In the past, when I had a fradulent charge on another account it was not handled this way. The account was n't closed and reported to the credit agencies with the fradulent charges. They simply just send me a new card, and an affidavit to sign, where I stated that the charge was not authorized by me. As of now there is one Best Buy account showing a balance of {$940.00} and another one of {$47.00}.
Product: Mortgage

I have a good long time 19 year job, my credit is not so good but improving I have applied for FHA loans via XXXX, Quicken Loans, XXXX XXXX, XXXX XXXX XXXX and others even with 5 % down cash I have everyone has denied me.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, Dispute of Innacurate Late Payment Reporting Account reference XXXX XXXX XXXX XXXX. Acct. XXXX XXXXXXXX XXXX XXXX XXXX. Acct. XXXX Subject : Request for inaccurate late payments based on FCRA specifically 15 U.S. Code 1681 I am writing to file a formal complaint regarding a critical issue with the inaccurate reporting of late payments on my credit report, specifically concerning the accounts referenced with XXXX XXXX XXXX Acct. XXXX XXXX XXXX XXXX  XXXX Acct. XXXX upon thorough review, I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). As outlined in 15 U.S. Code 1681. The reported late payments on the aforementioned accounts are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid these accounts on time, in accordance with the agreed upon terms. 
Reference to PAANL ( Paid as Agreed Never Late ) The terms of our agreement have always been adhered to, and the accounts in question should reflect a status of Paid as Agreed Never Late ( Paanl ) based on the timely payments made. It is imperative that my credit report accurately represents my financial and commitment to meeting payment obligations. 
I hereby request that you provide documented proof supporting the claim of late payments on these accounts, in accordance with 15 U.S. Code 1681i of the FCRA, this proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly.

If, after a thorough investigation you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflects its accurate status as Paid as Agreed Never Late. According to 15 U.S. Code 1681s ( 2 ) ( A ) ( 1 ) of the FCRA Creditors and Credit Reporting Agencies are required to report information accurately and completely. Additionally, I remind you that you must conduct a timely investigation and provide a written response within response 30 days from the receipt of this dispute letter, as required by 15 U.S. Code 1681i ( A ) ( 1 ). Failure to adhere to this timeline will be considered a violation of the FCRA.

I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act XXXX  acct # XXXX was violated my rights. 15 usc 1681 section 602a states I have the right to privacy. 15 usc 1681 section 602a section 2 it also states a consumer reporting agency can not furnish a account without my written permission
Product: Debt collection

Transworld Systems Inc. is attempting to collect a debt for XXXX XXXX. I have never rented a car. I have asked for documentation that I rented the car. They have been unable to produce any proof it was me. 

No Proof = No Money
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX through XX/XX/XXXX Wrong information security freeze identity theft
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX ( LAST REPORTED XX/XX/year> ) Account Name : XXXX XXXX XXXX ( LAST REPORTED XX/XX/year> ) Account Name : XXXX XXXXXXXX XXXX ( LAST REPORTED XX/XX/year> ) Account Name : XXXX XXXX XXXX ( LAST REPORTED XX/XX/year> )
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX BANK OF AMERICA XXXX Open Date XX/XX/2019 Balance : {$260.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Integrated services is trying to collect a debt from me, I 'm not sure where the debt is from. The most recent call that was received was on X/XX/17, the caller stated that her name was XXXX XXXX, calling from integrated services legal department and she wanted a statement before X/XX/2017 to give her client because they were filing fraud charges against me, which would be forwarded to my county and an arrest warrant would be issued. Then she called my estranged husband, his brother, sister and mother, as well as my XXXX year old son and XXXX year old daughter 's phone and told them she was calling from integrated services to offer me a settlement. I also have several voicemail 's on my work phone. I called the number back ( XXXX ) and asked them to stop calling my estranged in-laws, children and my job and giving them my information. My soon to be ex-brother in law knew way too much information about my situation. ( Is that considered that defamation of character? ) I need help to stop them from harassing other people over a debt that is supposed to belong to me.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to TransUnion regarding an inaccurate account reported on my credit file, specifically a XXXX XXXX account with discrepancies across the three major credit bureaus. Under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), TransUnion is required to provide a detailed description of the investigation procedures conducted in response to a consumer dispute within 15 days of receipt.

Despite my formal request, TransUnion has failed to provide a sufficient description of their investigative process, violating my rights under the FCRA. The account remains inaccurately reported with the following inconsistencies across TransUnion, Equifax, and Experian : Different account balances across bureaus.


Conflicting last reported dates and date of last payment information.

Varying past-due amounts and payment status.

These discrepancies indicate that TransUnion did not conduct a reasonable investigation as requir

ed by 15 U.S.C. 1681i ( a ) and failed to ensure maximum possible accuracy in my credit report, violating 15 U.S.C. 1681e ( b ). Furthermore, if TransUnion can not properly verify this account, they are legally required to delete it under 15 U.S.C. 1681i ( a ) ( 5 ). This lack of compliance has harmed my creditworthiness and financial standing.
Product: Credit reporting or other personal consumer reports

i received a copy of my credit report and i noticed some accounts on my credit file that never applied for and never used these accounts are fraud and needs to be removed from my account below are listed the abode referenced accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputed this account information two many times and the wrong information never get fix it, this account have been discharged after bankruptcy chapter XXXX case # XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX  XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I didn't receive any notification of this bill until this year when I went to XXXX, and I saw the bill and I called them on XX/XX/XXXX and they said that I had to call my insurance. When I called my insurance, I had to complete a questionnaire in regards of service because they wanted to make sure this wasn't related an accident, and they resubmitted the bill for payment. I called back on XX/XX/XXXX because I checked XXXX again and the bill was just there. They said they didn't receive an update from the insurance. I asked why a disconnection in information. Called my insurance and they said they have resubmitted, and everything should be taking care off. Called back XX/XX/XXXX as a conference call with my insurance and they stated they haven't received the explanation of benefits and the agent from the insurance said they sent it, but they will send it again and the lady from XXXX XXXX said, " good luck if we received ''. So, she recommended for me to download into XXXX XXXX which i did on XX/XX/XXXX. then on XX/XX/XXXX I wrote to them asking why they haven't reviewed the EOB, and called them to let them know I did the download for them to process the bill. I received a response on XX/XX/XXXX stating they were going to look into it. I looked again at the beginning of this month and I didn't see the bill any longer which I thought it was resolved and today I received a notification form a 3rd part that they have transferred the bill to them without not processing through the insurance. Are you kidding me? This is unacceptable. I have responsible enough making all this phone calls back and forward to resolve the issue for nothing because at the end they didint do anything just transfer the bill to a 3rd party
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuses to delete 2 late payments which I dont understand how it is late when it was an automatic payment..This is on My credit as well as my Fiamce which has caused higher interest rates. Also Discover has a late pay listed and it was on auto pay as well. These are the only deragotory items we have out of 25 to 30 accounts in very good standing. I have tried to dispute this but they refuse to delete even on Good faith and Goodwill letter. I am disputing because it should have been deducted and I have never missed a payment the payment was taken but instead of deducting XXXX they only deducted XXXX because it was set up for fixed amt and 1 month it was more than fixed amt and they c hgv argued a late fee but also waived the fee. I would like this deleted because We have Good Credit and this is erroneous misleading information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported this issue to all bureaus and nothing was done. I would like this issue to be resolved due to code 15 U.S.C. 1681c-2 Block any reporting information if the consumer identifies as information that resulted an alleged identity theft no later than 4 business days after date of receipt.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX FRAUDULENT ACCOUNTS : XXXX XXXX Opened XXXX. XXXX, XXXX {$12000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$5500.00} XXXX XXXX XXXX. Opened XXXX. XXXX, XXXX {$2900.00} SYNCB/PPC. Opened XX/XX/XXXX. {$2400.00} XXXX  XXXX XXXX. OPENED XXXX XXXX, XXXX {$640.00} XXXX OPENED XXXX XXXX, XXXX {$1000.00} XXXX XXXX XXXX OPENED XXXX  XXXX, XXXX {$1000.00} XXXX XXXX XXXX. OPENED XXXX XXXX, XXXX {$2800.00} XXXX XXXX. OPENED. XXXX XXXX, XXXX. {$2900.00} XXXX XXXX XXXXXXXX XXXX  OPENED XXXX. XXXX, XXXX {$390.00} XXXX XXXX XXXX OPENED XXXX. XXXX, XXXX {$1400.00} XXXX. XXXX XXXX. XXXX, XXXX {$13000.00} XXXX XXXX XXXX. OPENED. XXXX XXXX, XXXX {$1900.00} XXXX XXXX OPENED XXXX. XXXX, XXXX {$2300.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX charged off {$620.00} Through the country door charged off {$1500.00} XXXX XXXX XXXX paid in full XXXX XXXX XXXX XXXX charged off paid in full XXXXXXXX XXXX XXXXXXXX {$1800.00} charged off XXXX XXXX XXXX, I missed payments due to Covid XXXX I am current now
Product: Checking or savings account

On XX/XX/XXXX I noticed some illegal activities on my account ( some kind of money transfer via Western Union ) I called Brinks/Netspend right away, I called Western Union and I filed a police report. The next day the bank froze my account ( after I had already used it again ) and said they were opening a new security account. The card did not come on the days expected. I had set aside the day waiting for XXXX, no card. When I finally did get the card I only got to use it a few times then they froze my account again, for absolutely no reason, and suddenly the id I used to verify me for the account was no longer accepted. Without being able to access my funds I had to ask around to borrow the money for a new ID. I had to wait days and finally was able to get a sheriffs ID, from the sheriffs office. My phone lost the verify me link due to slow data and I called to get another link. They said they would not do that and to send ID via email and it would take XXXX to XXXX business hours to process. Without being able to acess my funds I had to walk miles to get back home. When they finally did review the email they rejected my ID for no reason even though it was an official picture ID. They are harrassing me intentionally, they were aware it was all the money I had and I needed to buy food. They have kept me on the phone for at least XXXX hours this week, hung up on me, kept me in a loop. I am traumatized from the experience. Now I have gotten an email today that states they will up escalate the issue and I will get somekind of answer in XXXX days. Thats another XXXX days I will have no food to eat, they are still putting me through this and seem to have stolen my social security money. Its as unethical and low as it comes. I was a victim of a crime that occurred due to their inadequate security and now they are making any excuse not to relinquish my meager funds. 
Since this has happened I have found other people whose money was stolen by Netspend/Brinks XXXX in my small town alone. I think their practices need to be investigated for illegality anf fraud. 
Thank you
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

ON XX/XX/2019 I CHECKED MY CREDIT REPORT & FOUND AN INQUIRY ON EQUIFAX THAT I WAS NOT AWARE OF. THE INQUIRY WAS FROM XXXX XXXX SO I CALLED THEM TO FIND OUT WHY THEY WERE PUT ON MY CREDIT REPORT. THEY INTURN TOLD ME THAT THE INITIAL REPORT CAME FROM SUPREME LENDING. I WAS TOLD BY XXXX XXXX THAT SOMEONE ( XXXX ) FROM SUPREME LENDING PULLED MY CREDIT REPORT FOR A MORTGAGE INQUIRY ( WHICH I NEVER CALLED ANYONE FOR A LOAN OF ANY KIND ). SUPPOSEDLY, THAT HAPPENED IN XXXX OF 2019. I CALLED SUPREME LENDING TO GET TO THE BOTTOM OF THIS INQUIRY & THEY COULD NOT HELP ; THEY HAD NO RECORD OF ANYTHING WITH MY NAME ( WHICH OF COURSE, THEY SHOULDN'T ). I CALLED XXXX XXXX AGAIN TO HAVE THEM REMOVE THE INQUIRY THAT WAS SENT TO XXXX & THEY SAID THEY COULD NOT DO THAT. ALSO, XXXX   WON'T REMOVE IT EITHER. I WANT THIS INQUIRY REMOVED ; I DID NOT INQUIRE ABOUT ANY KIND OF LOAN FROM ANYONE!!! 
PLEASE HELP GET THIS REMOVED FROM XXXX. THANK YOU.