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

**TRANSUNIONS ILLEGAL AND INACCURATE CREDIT REPORTING & FCRA VIOLATIONS** I am filing this complaint against TRANSUNION for their failure to correct inaccurate and fraudulent information on my credit report despite multiple disputes. Their actions violate the FAIR CREDIT REPORTING ACT ( FCRA ) and have caused me significant financial harm.

**ISSUES WITH MY CREDIT REPORT : ** 1. **FAILURE TO INVESTIGATE OR RESPOND WITHIN 30 DAYS** - I have repeatedly disputed inaccurate information with TransUnion. They failed to respond within the legally required 30-day timeframe under 15 U.S.C. 1681I ( A ) ( 1 ) ( A ). 
- Instead of investigating, TransUnion shut me out of my credit report for approximately 18 months, preventing me from accessing or reviewing my own credit data. This obstruction is unacceptable and a violation of my rights. 

2. **INCORRECT NAME REPORTING : ** - TransUnion falsely lists my name as XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- My legal name is XXXX XXXX ( no middle name ). 
- This misidentification has resulted in fraudulent debts being reported under my credit file. 

XXXX. **FRAUDULENT DEBT REPORTING : ** - XXXX XXXX XXXX XXXX : This account does not belong to me and is clearly associated with XXXX XXXX, not me. Reporting this debt under my credit file is illegal and must be immediately deleted. 
- XXXXXXXX XXXX {$8400.00} FOR XXXX** : This debt was settled in my agreement with National Debt Relief, and per the legal settlement terms, it should have been removed. TransUnion has failed to comply. 

4. **FAILURE TO VERIFY DEBT : ** - TransUnion has never provided any proof that these debts belong to me, yet they continue to report them.

- Their failure to conduct a proper reinvestigation violates 15 U.S.C. 1681I ( A ) ( 1 ) ( A ).

**VIOLATIONS BY TRANSUNION : ** - Failure to properly investigate disputes ( 15 U.S.C . 1681I ) - Failure to report accurate information ( 15 U.S.C. 1681E ( B ) ) - Blocking access to my own credit report for 18 months - Failure to remove settled debts as required by a legal settlement - Unlawful reporting of debts belonging to someone else **REQUESTED RESOLUTION : ** - Immediate deletion of the **XXXX XXXXXXXX trade line, as it does not belong to me. 
- Immediate deletion of the XXXX XXXX ( XXXX XXXX ** trade line per the settlement agreement. 
- Immediate correction of my legal name to reflect only XXXX XXXX. 
- Restoration of my full access to my TransUnion credit report. 
- A full reinvestigation of all disputed items with documented proof or removal of all inaccurate information. 

**QUOTE FROM ATTORNEY ( XXXX XXXX XXXX - Division of XXXX XXXX XXXX ) : ** * '' One of the terms of the settlement for the defendant listed above was that the debt would be waived or the trade line deleted. Please send us a copy of your credit report so we may review your reports to make sure this is done. " * TransUnions failure to respond, obstruction of my credit file, and continued reporting of fraudulent debts are unlawful. I demand immediate correction, or I will pursue further legal action.
Product: Credit reporting

I have tried to contact FOCUS RECEIVABLES MANAGEMENT Wed, XX/XX/2017, at XXXX during business hours after seeing they are charging me XXXX $ for a XXXX fee on my credit report. I have called comcast and questioned them about it, since i still have an account opened with them, and they are not aware of such charges. Please do something about this so it leaves my credit report because it is holding me back from rebuilding my credit. Thank you.
Product: Debt collection

I C System. Has stolen my personal information. I have no contract with I C System. and I have never given them any personal information of mines. How did they obtain my personal information? I C System is reporting illegal and unauthorize personal information on my credit report. I C System is using my stolen personal information to collect a debt What laws were used to get my personal information and file a lawsuit on me for an alleged debt that is already paid for? I the consumer have given XXXX XXXX XXXX XXXX Notice letters of dispute, Opportunity to cure and opt-out request. I C System refuse to perform based on law. I C System Continues to use stolen personal information in misleading and deceptive practices. Who authorized the selling. Sharing. or reporting of my personal information? I the consumer did not consent to this. Yet i continue to be harass with illegal reporting that I never agreed to or authorize this use of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Product: Debt collection

Again for the record AARGON Agency the following damages will be taken to civil court on XXXX XXXX in XXXX XXXX if, monetary relief isn't given for the following damages : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy. 5 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation Each credit reporting agency owes me monetary relief of {$5000.00} in remedy These are the following 5 violations that your company has established against me and have violated. Again I identify as my natural being my signature is XXXX XXXX XXXX without recourse. I own and don't operate out of my Legal name again this is identified as an identity thief etc. fraud. 


The federal Fair Credit Reporting Act covers how financial matters, including debt collections, can be reported in your credit report. Federal consumer financial protection laws also prohibit unfair, deceptive, or abusive acts or practices that apply to DEBT collectors and creditors. 

AARGON AGENCY IS IDENTIFIED AS A DEBT COLLECTOR ON THEIR WEBSITE VIA XXXX XXXX XXXX XXXXXXXX AARGON AGENCY ISNT ABOVE THE LAW! ONCE AGAIN READ and please refer to the attached documentation this is considered unwilful compliance and I have submitted documentation through the CFPB portal. THIS WILL BE EVIDENCE TO THE COURT XXXX XXXX of unwilful compliance
Product: Credit reporting or other personal consumer reports

I Checked My Trans union Credit Report I Notice a closed XXXX  XXXX XXXX account that's not mine It says I was an authorized user I was not aware this account was open & believe it Is Fraud I would like for you to remove this close account off my credit report
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681 ( 5 ) the Fair Credit Reporting Act. 



Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$170.00} Despite providing clear evidence of the inaccuracies in the above-reference account and requesting its removal from my credit report, TransUnion has XXXX to comply with the law and has retained the inaccurate account information. 


The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.

Thank you for your attention to this matter. I look Forward to a prompt resolution and your assistance in rectifying this issue. 


Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

Americollect Inc is trying to collect a medical bill from XX/XX/17 of {$340.00} from me. This is not my bill and belongs to an ex spouse. I have never gone to, or been treated at XXXX XXXX Hospital or any other hospital. 

I have disputed this claim, but XXXX has not removed it enough it is not my bill and no proof can be shown it is mine as it is not.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX  XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Closed. 
Status Updated : XX/XX/XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$500.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX
Product: Debt collection

This company has called repeatedly at my office and my cell phone on a debt which happened when I was laid off in 2009. 

Yesterday they called my cell phone back to back times XXXX during the day. They would hang up and then call back immediately. 

I called yesterday left a voice mail and stated that the harassment had to stop and my job was in danger because of their practices. I had already been verbally warned about the calls and HR has confronted me XXXX because they are harassing the department.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX 

Subject : Dispute of Unauthorized Credit Charge off account Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized charge off account that appear on my credit report. I did not authorize these charge off account and I am requesting that they be removed immediately. 

The Charge off account in question are : XXXX XXXX XXXX  Account XXXX Date opened : XX/XX/XXXX Date XXXX Late payment account in question XXXX XXXX Opened XX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these charge off account are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized charge off account and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized charge off account highlighted for your reference. Please notify me in writing once the charge off account have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have never been late on a AMEZ bill since having the card since 2017 this card was also canceled or should of been canceled almost three years ago now my ex and I had a joint account and she had charged my card up after breaking up with her, and this would be impossible because I have my own Amex card under my own name which would not be allowed if not paid in full!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Card was reported on XX/XX/XXXX via XXXX. However, fraudulent application have been submitted my identity without my consent to fraudulently obtain services. Do not extend credit without verifying the identity of the applicant. 


Also, XXXX XXXX was reported on XX/XX/XXXX via Equifax. I was being told its bern removed, but its not. Ive sent out a letter to Equifax since XX/XX/XXXX, but nothing has changed ever since.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

Late Open : XXXX XXXXXXXX XXXX {$0.00} XXXX  XXXX {$520.00} XXXX XXXX {$1400.00} XXXX XXXXXXXX {$0.00} Late Closed : XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to request that you remove the fraudulent items off of my Credit File. I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The TransUnion and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports that I need you to remove : XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. In accordance with the Fair Credit Reporting Act Section 605b, you are expected to remove any accounts and information that are found to be items resulting due to identity theft. So please comply with the law and have the disputed items removed as soon as possible.
Product: Credit card

Dear Consumer Relations : I am writing to dispute a charge of {$5800.00} to my Macys credit card account sometime in early XX/XX/XXXX. The charge is in error because Macys XXXX XXXX Department did not thoroughly investigate this concern and charged my account for items I did not purchase. 

On XX/XX/XXXX, XXXX, and XXXX XXXX, many fraudulent charges were made to my Macys card, totaling to the amount of {$2900.00}. These charges were not made by me, as I have not shopped at Macys the entire XXXX and XXXX of XXXX. It was not until I made a furniture purchase on Macys.com in late XXXX XXXX that I noticed these charges to my account and that all of this time I had been making payments to these fraudulent purchases and not my own. Upon inquiring with Macys customer service, these charges were made at my local Macys but I havent physically gone to the store in that entire time. I called Macys XXXXXXXX XXXX sometime in XX/XX/XXXX and spoke with a representative who reversed these fraudulent charges, ensured that purchases I made were correct, and closed the account for safety, and assured me that the store will conduct a thorough investigation to include checking the security cameras in my local Macys to find the person who stole my account information. Again, I was assured that this would be handled promptly and efficiently. Based on previous statements, I do not make large purchases like the fraudulent ones and am very mindful of how I spend. 

On XX/XX/XXXX, I received a letter from the Macys XXXX XXXX stating that they did not find the investigation in my favor and had reversed all the charges back onto my new Macys card. Not only did they reverse the charges, but they double charged my account for an unknown reason, totaling the amount to {$5800.00}.
Product: Money transfer, virtual currency, or money service

This company banded my account because I was hacked and went through the credit breach they did nothing to fix the situation
Product: Debt collection

A certified mail was sent to Credit control corporation on XX/XX/2023 to validate the debt. The Letter states the following : Dear Sir/Mam, Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter and 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX XXXX XXXX XXXX ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the XXXX XXXX and XXXX credit reports, the account needs to be deleted from the XXXX XXXX XXXX  credit reports. 

The information for this account listed on my credit report is : CREDITOR : NAVY FEDERAL CR UNION, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$2500.00}
Product: Debt collection

This company is calling me multiple times a day and leaving voicemails on my phone even after I have repeatedly asked them to stop calling my phone number. I do not have any knowledge of the debt they're saying is owed, and they do not call me by name when they call. My voicemails are an automated system telling me to call back and this has been continuing for months on end. I have blocked their number, but the calls keep coming and the voicemails are never ending. This is harassment and needs to stop. I don't know how they got my contact number, but it was not accurate.
Product: Credit reporting 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 Account name : XXXX Account name : XXXX XXXX Account name XXXX XXXX  has violated my rights. 
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.