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

I am writing to file a formal complaint against TRANSUNION for IDENTITY THEFT. I believe that my rights under the Fair Credit Reporting Act have been violated. TRANSUNION VIOLATED MY RIGHTS, TOOK MY NONPUBLIC PERSONAL INFORMATION AND TRANSFER IT TO NON-AFFILIATES WITHOUT MY CONSENT THAT IS IDENTITY THEFT I ASKED TRANSUNION TO PROVIDE ME WITH A CONTRACT SIGNED BY BOTH PARTY WHERE I GIVE TRANSUNION PERMISSION TO SHARE MY INFORMATION AND NONE WAS PROVIDED. MY REQUEST TO BLOCK THE INACCURATE UNVERIFIABLE INFORMATION IS NOT MADE IN ERROR ; NOR MY REQUEST TO BLOCK THE INACCURATE UNVERIFIABLE INFORMATION BEING MADE ON THE BASIS OF MATERIAL MISREPRESENTATION OF FACTS. 
I obtained a copy of my TRANSUNION XXXX Report, this report a copy is hereto attached states inaccurate bankruptcies information in my name, along with the other items mentioned hereto. 
Upon discovering these inaccuracies, I sent TRANSUNION AN AFFIDAVIT OF FACT- STATEMENT OF BILL PROTEST ON NEGATIVELY REPORTING ON MY CONSUMER REPORT. THE AFFIDAVIT OF FACT WAS RECEIVED BY TRANSUNION ON XX/XX/2023 TRANSUNION FAILED TO REBUTE THE AFFIDAVIT POINT BY POINT ( A copy is hereto attached ) Despite my disputes submission TRANSUNIONS RESPONSE ( copy hereto attached ) failed to provide me with proof of the method of verification according to FCRA 611 ( a ) ( 7 ) 15 USC 1681 ( a ) ( 2ab ) and Title USC 24 by LAW TRANSUNION was required to send me a complete description of all methods used to investigate this dispute, this notice will include ; dates, names, I.D number, addresses, and phone numbers of the direct source of the furnisher of the information NOT THIRD PARTIES AS PER FCRA 611 ( A ) ( 7 ). TEREFORE THE INACCURATE DISPUTED INFORMATION HAVE TO BE DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX.
Product: Bank account or service

Bank of America refused to deposit a properly endorsed check into my checking account. 
My insurance company, XXXX XXXX, issued a check for a personal property loss due to a fire. The check is made payable to XXXX XXXX XXXX, my public adjustor ; my husband and myself. We have all properly endorsed the check. On XXXX/XXXX/XXXX, my husband attempted to deposit the check into a personal checking account in both our names. The Bank of America branch is at XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX ; phone : XXXX. XXXX XXXX, who identified herself as a Manager, refused to deposit the check. The check is a properly endorsed negotiable instrument. The check is drawn on a Bank of America account and being deposited into a Bank of America account. If Bank of America will not accept this check for deposit, how can I negotiate the check? 
NOTE : I have no problem with the bank accepting the check for deposit and placing a hold on the funds. Bank of America accepted deposits on three other occasions with the same payor, same payee, same endorsement. Deposits were made XXXX/XXXX/XXXX for {$92000.00} ; XXXX/XXXX/XXXX for {$19000.00} ; XXXX/XXXX/XXXX for {$2500.00}. 
I would appreciate any help you can give me in this matter. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

SPEZIALIZED LOAN SERVICE REFUSE TO PAY OVERPAY IN ESCROW From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX To specialized loan service. Loan number XXXX Date XX/XX/XXXX Dear ladies and gentle man, Copy to all government. 

Urgent request, based on fraud and lies, please revoke their Mortgage license and stop their business. Make SLS pay the overpayment of escrow monies {$2500.00}. This is confirmed by Specialized loan service in writing. 
Make them pay {$10000.00} in fines to Mr XXXX XXXX XXXX XXXX, Make them pay interest and collection monies, like SLS enjoy doing We sold our Home XX/XX/XXXX. Today XX/XX/XXXX, we still did not receive a penny from SLS. We called many many times, we wrote letters, we spoke with SLS people who promised to wire the funds, we went to XXXX we went to local government. We received SLS mail, standard letter, specialized Loan Servicing has received your letter regarding the above referenced loan. Your case is currently under review. We realize the urgency and blab la bla.. Standard letter. XXXX XXXX XXXX XXXX and others. 
Today, still no money. 
SLS is in default on different occasions. There is NO dispute, The overpay is confirmed, They just have to pay, 20 days after closing. XX/XX/XXXX today XX/XX/XXXX. 
Please make them pay, including everything as asked for Yours sincerely XXXX XXXX XXXX XXXX XXXX Via XXXX XXXX XXXX Fl. XXXX Cell XXXX XXXX Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquires and I have ask them to be remove & the beures did not do what I asked I will be providing identity theft report, that I will attached to this complaint. I'm requesting can you remove inquires off my report because there not mines & it's inaccurate. Please & Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report.
Product: Debt collection

I am writing you this statement to delete the following information on my report. The item I need deleted is listed in the report. I am a victim of identity theft, I demand that you remove the item to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission out affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!
Product: Credit card or prepaid card

I had a Target RedCard MasterCard, which I had since 1998. I was set up on their automatic payment feature which automatically drew the full amount owed from my bank account. Last month, I used their online feature to pause my automatic payment for the month and make a one-time payment of {$3500.00}. On XX/XX/XXXX, I received an email from Target RedCard that my payment didn't go through because of insufficient funds. I checked my bank account and verified that I had more than enough funds in my account. So, resubmitted the payment to go through. Again, on XX/XX/XXXX, I received an email stating that my payment was returned for insufficient funds. I called Target RedCard and asked for their assistance. They advised me to make a payment over the phone, then call my bank to see what the issue was. They then transferred me to a third party provider who took my payment over the phone and told me that my account would be current in one to two days when the check by phone was processed. I called my bank and was told that they were no records that any attempt was made to withdraw any funds from my account and that I had sufficient funds in the account. After researching more, I figured out that they were trying to draw the payment from my ex-husband 's account. I didn't even know that the Target RedCard still had access to his account since all my Automatic Payments were drawn from my personal account. 
The next day, I tried to use my Target RedCard and was told that it was declined. I called Target and was told that my card had been canceled for two declined payments. They said that whoever had taken my payment the prior day should have told me that it was already canceled. I explained that the payments were posted to the wrong account, they said that it was still considered a returned payment and they close those automatically. They said that they would make notes that I was not told it was canceled to improve their customer experience, and they offered to send me a letter explaining why my card had been canceled. 
When I expressed my shock and disappointment, the supervisor on the line said that they understood my frustration and that I could reapply for a Target RedCard at the store. I explained that I had been a cardholder for over 20 years, and did not have missed or late payments. They again said there was nothing to be done. When I asked if this was going to show up on my credit report, they confirmed that it would and offered to send the letter explaining why they had canceled the card.
Product: Credit reporting

My mother opened a credit card in my name when I was XXXX. She used this card for her own personal gain and wants. She was paying on this card until XX/XX/XXXX. She openly admits to opening it, however, refuses to take ownership of the situation and now I 'm left to bear her mistake. I just want it gone. I never opened it and I never saw any benefit from it. It is haunting my credit score and wo n't be taken off until XX/XX/XXXX according to XXXX. I 've filed 3 separate disputes with Equifax to no avail. All 3 determined that the card was mine even though I never opened it. Please help ...
Product: Credit reporting or other personal consumer reports

I Looked at my report and noticed some things are incomplete and not accurate .According to fair credit reporting act Whenever consumer reporting agency prepares consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because PERSONAL INFORMATION- XXXX ) EMPLOYMENT- NOT XXXX XXXX, NOT XXXX XXXX ) ADDRESS-NOT XXXX XXXX, NOT XXXX XXXX XXXX XXXX ) NAME-NOT SINGLETON ACCOUNTS XXXX ) XXXX XXXX-CLOSED OPENED XX/XX/XXXX XXXX ) XXXX XXXX CHARGE OFF XXXX ) XXXX XXXX XXXX XXXX ) XXXX OPENED XX/XX/XXXX CLOSED XXXX ) XXXX XXXX XXXX OPENED XX/XX/XXXX CLOSED XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX CLOSED XXXX ) XXXX XXXX XXXX OPENED XX/XX/XXXX CLOSED XXXX ) XXXX XXXX XXXX  OPENED XX/XX/XXXX CLOSED XXXX ) XXXX XXXX CAN U LOOK INTO THIS MATTER
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote to the credit reporting agency and also send the letter I received from the court stating that they did not send or share my private information with the credit reporting agency. A Bankruptcy is being reported in my credit file which should not be reporting on my file. this is a violation of my consumer right pursuant to the privacy act of 1974 -5 U.S.Code section 552a. this law applies to the access to, and disclosure of, records of individuals held by federal executives and regulatory agencies.The agency also violates 17 CFR 230.425 filling of certain prospectuses and communications under section 230.135 in connection with business combinations; soliciting materials according to rule 14a-12 under the exchange act and Sarbanes-Oxley act of 2002 . This error on the credit reporting agency part is destroying my life, I am depressed and now suffering of anxiety, I am being denied credit. I have not given this agency a written consent to report this information in my file yet they are reporting what ever they feel like selling and buying my personal and private information, they are also violated 17 CFR 248.124 Reasonable opportunity to opt out. I have tried to resolved this issue in 2022 and I have been ignored and disrespected every and each time I have reached out in good faith.As a federally protected consumer I am opting out of any and all authorization I the consumer may have giving you per 15 usc 6802 per the opt out law cease and desist immediately reporting the bankruptcy on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Us Dept Of ED/XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

What happened? 

On XX/XX/year>, IC Systems took ownership of a debt related to a XXXX  account in the amount of {$340.00}. On that same day, I submitted a formal debt validation request to IC Systems, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). However, despite my request, IC Systems has continued to contact me daily through various masked phone numbers based all over the country. 

Violations and Deceptive Practices : Failure to Validate Debt : IC Systems has failed to provide the requested validation for the debt, yet continues to pursue collection activities, in violation of the FDCPA. This debt is now disputed, and any further contact or negative reporting should cease until proper validation is provided. 

Harassing Communication : Since XX/XX/year>, IC Systems has contacted me daily, failing to identify themselves when calling, not leaving voicemail messages, and using dead air calls. Upon returning the calls, they identify themselves as IC Systems. This behavior is in violation of FDCPA 805 and the Telephone Consumer Protection Act ( TCPA ), which prohibit harassing communication practices by debt collectors. 

Actions Taken : XX/XX/year> : IC Systems took ownership of the XXXX account debt. 
XX/XX/year> : I submitted a formal debt validation request to IC Systems. 
XX/XX/year> - Present : IC Systems has continued to call me daily, failing to comply with the FDCPA and TCPA requirements regarding communication. 
Amounts Involved : Debt in question : {$340.00} Why it matters : IC Systems ' failure to validate the debt while continuing to harass me with daily phone calls violates both the FDCPA and TCPA. Additionally, the companys actions raise concerns regarding their compliance with federal laws regulating debt collection practices. 

Requested Resolution : Immediate cessation of all communication from IC Systems related to this debt, in accordance with FDCPA guidelines. 
Full validation of the debt, as required by FDCPA 809 ( b ), including proof of the original creditor, a breakdown of the amount owed, and evidence that IC Systems has the legal authority to collect on this debt. 
Forgiveness of the debt due to IC Systems violations of the FDCPA and TCPA.

Immediate removal of all negative information related to this debt from all major credit reporting agencies ( XXXX, XXXX, and XXXX ), in compliance with FCRA 611 ( a ), as this debt is disputed and IC Systems has failed to validate it. 
Next Steps : If IC Systems fails to comply with my requests, I will escalate this matter to additional regulatory bodies, including the Federal Trade Commission ( FTC ) and pursue further legal action under the FDCPA and TCPA. 

I expect a written confirmation within 30 days detailing the validation of the debt, removal of negative reporting, and cessation of further communication.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
6. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
10. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report.

11. XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
13. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report.
Product: Credit reporting or other personal consumer reports

I filed a complaint with CFPB because I had incorrect information on my credit report and demanded its removal. An investigation was conducted, resulting in the partial removal of the incorrect inquiries ; however, not all incorrect inquiries were fully removed. I have previously disputed the following inaccuracies directly with XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX & EQUIFAX on XX/XX/XXXX, providing supporting documentation and requesting that they verify the accuracy of the information. Despite my dispute, the inaccuracies remain uncorrected on my credit report. 
I am requesting the XXXX of XXXX for the following disputed account ( XXXX ) : Specifically, as it relates to credit inquiries that I did not authorize : Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have negatively impacted my credit score and my ability to obtain credit. Moreover, it has caused undue stress and financial harm. 
Violations : I believe XXXX XXXX, XXXX XXXX EQUIFAX is in violation of the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( 15 U.S.C. 1681i ) for failing to conduct a reasonable investigation into my dispute.

Section 623 ( 15 U.S.C. 1681s-2 ) for providing inaccurate information to the consumer reporting agencies and failing to investigate my dispute.

Section 604 ( 15 U.S.C. 1681b ) for furnishing information without a permissible purpose.

This unauthorized access to my credit information directly contravenes the Fair Credit Reporting Act, specifically Section 1681b ( c ), which distinctly upholds individuals ' rights to privacy and restricts the sharing of information without explicit consent. The absence of my explicit approval for these inquiries constitutes a breach of privacy and potentially fraudulent activity.

I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Its illegal to report transaction history pursuant to FCRA Section 604 ( a ) & 15 U.S.C 1681b ( a ).

I do not wish for the inquiries to be removed entirely ; instead, I want the information to be updated, and the negative inquiries to be adjusted to positive, as agreed upon in the credit report. I opt out of any authorization given to report my information to a third party without my consent.

Furthermore, I suspect that the above listed Credit Reporting Companies did not complete a thorough investigation, because XXXX XXXX XXXX XXXX XXXX filed a XXXX  case against my XXXX  in XXXX, that later ended in the matter being dissolved and disputed. Also, I would like documentation/proof of an existing contract or purchase order confirming any service with XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts are on my report that resulted from XXXX XXXX. I have notified TransUnion and provided my XXXX XXXX  report but the accounts are still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing this negative information on my credit report and I have not received any information regarding my dispute. Please investigate to remove immediately.