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

XX/XX/XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Dear TransUnion I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XX/XX/XXXX
Product: Credit card

This company sent me an electronic message to notify me that they decreased my limit to XXXX $ by XXXX XXXX based on XXXX score XXXX. I worked hard to rebuild my credit and checked my XXXX score which is XXXX. Action taken by this company will impact my credit score and history negatively and for no reason. Ive always made on time full payments throughout my history with this company. I called to rectify the issue but they dont have humans to answer. I am requesting to see what report they used to make their decision and their reasoning.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Accounts that were reported : XXXX XXXX XXXX  : Account # XXXX
Product: Credit reporting or other personal consumer reports

I am a paying customer of Equifax. I pay for this service. I am unable to log into my account and always get an error message to call customer care. Customer care says they will fix it and never do. Its been XXXX XXXX and they have not done anything. Please give me access to my online account effective immediately and refund me for my service as I am not getting what I paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

This is my fifth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an incorrect credit reporting but I have some ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issue in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for in case of your willful noncompliance. 
-- -- -- -- -- XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX  XXXX XXXX Balance Owed : {$3300.00} -- -- -- -- -- Equifax : XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX  XXXX XXXX Balance Owed : {$3300.00} -- -- -- -- -- XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$1900.00} XXXX  XXXX XXXX Balance Owed : {$3300.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to E-OSCAR or any means of automated verification.
Product: Debt collection

Collection Agency : CCS COLLECTIONS Date Assigned : XX/XX/2022 Original Amount Owed : {$140.00} Amount : {$140.00} Collection Agency : XXXX XXXX XXXX , XXXX . 
Date Assigned : XX/XX/2022 Original Amount Owed : {$630.00} Amount : {$630.00} I have reported these items several times as identity theft as I am not the responsible party of these said collection debts.
Product: Student loan

I have received incorrect email correspondence, with multiple contradictions. I have been workings towards PSLF, and I am a currently with XXXX qualifying payments, I continue to work full time as a XXXX XXXX in a small rural town as a XXXX. I have made numerous attempts to follow up and review status, which have otherwise been futile, as there is no possible way to actually speak with a customer service agent/loan officer. I have abided and submitted information as requested. I have had multiple contradicting correspondence during the process, further complicating the situation, with no ability to seek clarification. I have filed complaints with this regard via XXXX  essentially pleading for follow up contact with a human being. Recently the process is further complicated, via transition of PSLF from Mohela to FSA. My loan repayment was placed on administrative forbearance via Mohela prior to the end of the " student loan payment pause '', due to the fact that I currently have XXXX qualifying payments towards PSLF. My last actual conversation/ability to speak with an agent dates back to approximately XX/XX/year>, and was advised based on my PSLF application that my account would be placed on administrative forbearance as I am well over the XXXX needed payments. Over the preceding month, my account was apparently taken out of administrative forbearance without prior correspondence, as I received an email stating my loan is now past due. I have since repeatedly attempted to make contact, all of which unsuccessful. I am filing complaint today, as I have exhausted my efforts, with the simple request of actually speaking with a customer service agent or loan servicer, which I find otherwise inexcusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was supposed to receive my direct deposit from job on XX/XX/XXXX in the morning and Capital One Bank apparently has been having technical issues with deposits since XX/XX/XXXX and they can't give me a time frame of when my money will get deposited. I believe they are violating the Electronic Fund Transfer Act as they are unable to make my paycheck with is direct deposited available to my account.
Product: Checking or savings account

I have had an account with Coinbase for the past three years. It is attached to my checking. I have had a portion of my pay check automatically deducted for almost three years. 

On XX/XX/18, I was moving my Cyrpto currency to a new platform when Coinbase suspended my trading activities. They even froze my crypts. I then tried to cancel my account but I have received no word after sending out several ticket requests. 

They also wanted me to verify my identity. I attempted f times to do thisand every time they said they my Drivers Licensee was not legible and to try again in 48 hours. 

According to Coinbase XXXX, they are allowed to suspend my trading activities without warning. However, their terms of service also state that : 1. I can close my account at any time 2. By their XXXX Coinbase is to distribute the remaining balance of my closed account
Product: Credit reporting

I was home when a mortage company calll me.and asked me about refinancial my home and I told him .not right now in a month of soon. new american funding mortage company. 
phone number XXXX his name is XXXX .HE TOLD ME NO PROBLEM.HE WAS CALL ME BACK NEXT .AND WHEN I CHECKED MY CREDIT SCORE HE HAD DID A HARD INQUIRY ON MY CREDIT. i GAVE HIM NO AURHTORIZED TO XXXX.THAT IS FRAUD.PLEASE HELP ME WITH THIS NEW AMERICAN XX/XX/XXXX XX/XX/XXXX Credit Union Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX See something wrong? 
Find out how to dispute a hard inquiry
Product: Vehicle loan or lease

Credit acceptance. Was my lender. When I would make a payment they would send me letters saying I was behind on my car loan threaten to take my car several times hardly ever did they post a payment when I would make a payment making it look like I was always behind.. Ended up trading it off just to get out from them and they refused to send the carl lot the title.
Product: Debt collection

Hello, I am writing to dispute a debt collection attempt from XXXX XXXX. I have the following contact information for them. 

XXXX. XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX-XXXX That said, my main dispute is with XXXX. 

They are reporting on my credit report a delinquent account, that should have been closed without fees by XXXX. I was given permission to terminate my service by XXXX, due to inadequate data speeds that were far below their advertised amounts. I tested my phone in multiple cities and states, including XXXX XXXX, XXXX and XXXX, as well as all around my state of Massachusetts. 

On XX/XX/XXXX - XXXX sent me an email stating they were providing me with return envelopes for my handsets. When I did not receive them for quite some time, I continued on as normal. Once receiving notice of their want for my handsets still, I contacted XXXX. 

On XX/XX/XXXX - I contacted XXXX via chat and an employee by the name of XXXX stated " I currently do not see return kits being sent out here online. '' At this time, she could no longer assist me and told me that my recourse was to phone a specific department. Due to a hectic schedule, I could not get to a phone to dial in and I explained this in full. I attempted to just buy the phones themselves out without being hit with a penalty, but they would not assist with that. 

I believe my debt with XXXX to be invalid and I believe you will find in their records or notes they have on my account that they agreed to let me out of the contract without fees. Dragging the return process for the phones on for months was an undue burden on me as a consumer and I do not believe I should be held liable for their lapse in shipping said kits. Additionally, they then sold this debt to a collection agency. 

I have the original email where they claimed to have sent the return envelopes and I have a copy of the chat which I have mentioned above.
Product: Debt collection

KNOWLY PROVIDING FALSE INFORMATION TO CREDIT ALL 3. THIS ACCOUNT IS BEING FALSELY REPORTED BEING OPENED ON XX/XX/2019. THAT HAS A HIGH IMPACT ON YOUR CREDIT UNDER 2 YEARS. THEY CAPITALONE WERE BOTH REPORTING THE SAME INFORMATION AT THE SAME TIME FOR YEARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/2023 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/2023 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the incorrect remarks removed from my XXXX XXXX XXXX XXXX account to be removed immediately. Please remove remarks from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. They must follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XXXX Balance : {$450.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXXXXXX XXXX Balance : {$2900.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00}.
Product: Checking or savings account

On XX/XX/2023, the XXXX XXXX XXXX branch of Chase Bank conducted a three-hour long investigation that concluded that Chase erroneously closed two of my CD accounts, totaling an amount of {$75000.00}, and mailed a check to my previous address. I was told that a check for that amount would be re-issued to me within 10 days. It has now been over 20 days and I have not received the funds that are rightfully mine. I would appreciate your assistance in contacting Chase Bank to look into this eggregious matter, as misappropriation of {$75000.00} represents a hardship to a senior like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/2018, I called my servicer to find payment options for my loan only for the month of XXXX since I was having financial difficulties during this month. The person on the line suggested a forbearance. I asked many many times that I wanted to make sure this type of option will not affect my credit since I have been working for a year to repair my credit. The loan customer service person assured me that it will NOT affect my credit. He submitted the forbearance form. Within a week I get an alert from Experian informing me that my credit went down 22 points due to my lender reporting a change of total balance from {$300000.00} to {$330000.00}. I called my lender on XX/XX/2018 right away and explained that the previous consumer service operator from their office had giving me wrong information about the forbearance. I told him that I wanted to reverse my forbearance. He said he would do it and that I only had to make my loan payments which I did, I made a payment of {$180.00}. I asked him again if this would solve the problem and he said yes, that I would just have to wait two weeks before my lender reports the original balance of XXXX to the credit bureau. He assured me that my loan interest was not going to be capitalize. But then I receive a letter that my loan is going to get capitalize at the end of the month due to the forbearance. I called the lender again and explain the situation once again, but this time I asked to speak to a supervisor. I was on the phone with her for about an hour. Again, she assured me that my loan 's interest was not going to get capitalized because they reversed the forbearance and the balance they were going to report to the credit bureau was {$300000.00}. She told me it could take from 30 to 90 days for them to report this to the credit agencies. She then suggested for me to call the credit agencies so the change could be done faster. I then call Experian at the beginning of XX/XX/2018 and open a dispute with them about this issue. I was sure the problem was going to end here, since my lender assured me that it was a matter of time of reporting my original balance and that my interest was not going to get capitalized due to this error. I just received the dispute results ( XX/XX/2018 ) and my lender is reporting an original balance of {$330000.00} and disagrees with my dispute. I am very frustrated about this whole ordeal since I have been back and forth with my lender with this issue since XX/XX/2018 and I still have this major problem of having a derogatory credit rating due to their negligence about giving me wrong information about the forbearance not affecting my credit and them not informing me that through the forbearance my loan 's interest will be capitalize, thus increasing my original balance and in this way reporting it to the credit agencies thus decreasing my credit by 22 points. I would really ask for your help on this important matter.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX XXXX Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time.

The late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency. 
Other adverse information, such as collections or charge-offs, must also be removed after 7 years. 
The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency.

Bankruptcy cases under Chapter 7 must be removed after 10 years from the date of filing.

Chapter 13 bankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

EARLY WARNING SERVICES has NOT properly INVESTIGATED an inaccurate account reporting/ bearing my name and failed to CEASE AND DESIST from any further reporting activities Pursuant to Title 15 USC 1681b ( 2 ).

EARLY WARNING SERVICES has not complied of delivered ANY type of validation or ACCOUNT VERIFICATION WITHOUT PROPER DOCUMENTATION PURSUANT TO FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complete Identity theft report # XXXX and Experian, XXXX and XXXX have not done their due diligence in removing the fraudulent items. I am attaching a new Identity theft report with my complaint. Under the FCRA the credit bureaus are obligated to report accurate, and valid information. Verified information is not always accurate. If someone has your identity they can easily verify that.