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

TransUnion will not fix access to my online support. I have a user ID and password that I have advised no longer works and requested assistance. They refuse to fix my online access. I am the victim of identity theft and need access to my credit and be able to access my credit reports and freezes. TransUnion continues to send me oversees and the individuals do not assist and refuse to transfer to any type of manager. I need my online access as well as access to my credit report. They told me in my last dealings that I would " just not be able to get access to TransUnion. '' - It is unacceptable for a credit bureau to advise this and prohibit my access to my credit reports and ability to freeze/unfreeze my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit item listed on my XXXX, XXXX AND EXPERIAN XXXX file is not being removed after 7 years and is a violation of my consumer rights : XXXX XXXX  - $ XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Request for Dispute Processing and Compliance with Power of Attorney To Whom It May Concern, I am submitting this complaint regarding the refusal of your agency to process my recent disputes, despite having provided a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. I received a response indicating that you will not proceed with the dispute because you do not believe the dispute came from me. This claim is inaccurate and dismisses the POA that was clearly submitted. 

As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to force me to use your online or phone dispute methods instead of honoring the disputes I have submitted. 

I respectfully request that you process my disputes as originally submitted, in accordance with my legal rights and the POA provided. 

For your reference, I have attached the following supporting documents : - My government-issued ID Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2017 I have received an alert from XXXX  that there were some changes from XXXX. There was a Debt collection from XXXX XXXX  XXXX XXXX ( sold to XXXX/XXXX ) for {$330.00}. My credit score went 60 points down. That collection is n't mine, I did n't purchase anything in there nor got any services in there. I live in Oklahoma. I immediately contacted XXXX and that collection agency about that issue. Collection agency refused to provide any evidence of that dept ( that it belongs to me ).
Product: Money transfer, virtual currency, or money service

I writing to express concerns with Zelle transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am subscribed to many services that offer your credit scores and a breakdown of your credit reporting ; such as XXXX XXXX ; XXXX ; etc. The reports that are shown on those sites offer " Vantage Scores '' and " Fico Scores ''. On XXXX ; for example my " Vantage Score '' shows a score of XXXX. On XXXX XXXX and XXXX, I show a " Fico Score '' of XXXX for both XXXX  and Transunion. The reports show that I have never missed a single payment ; I have credit history over seven years ( which  apparently isn't good enough for the consumer credit bureaus ) ; and many accounts ( of which are student loans and apparently reflect negatively on your credit report, which is unfair and bogus ). 

Both of these scores are consistent and have been consistent over the past year. Just recently I had a " hard inquiry '' performed in order to see what I could afford if I sold my house and purchased a new one. My mortgage lender told me my score was XXXX, but was also very confused as to why it was so low, given my history. This score was the same for both XXXX  and Transunion. I explained to him that I regularly check my report and scores and both are in the mid 700s. He explained that that question gets brought up a lot - and he isn't quite sure why there is a discrepancy in the information displayed to consumers as opposed to lenders. I've worked hard to build the credit I have and I find it misleading ; in poor taste ; and incredibly deceptive that these companies will display a higher score to consumers - but when inquiries are done, a different score is shown. I received the Credit Score report back from my mortgage lender and it sure enough showed a XXXX score from Tansunion, with a bunch of derogatory things such as " too many consumer lending accounts ( student loans? Excuse me they are not too many consumer lending accounts ) '' ; or " length of established credit too short '' ( Seven years? ). I find this deceptive and frankly disgusting that you would display false information, or contradictory information to consumers, or to lenders, just to abide by whatever laws may have been published. I want this fixed, or I want an explanation as to why my credit score shows me XXXX through XXXX and XXXX XXXX ; but XXXX to lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 49 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 49 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Inaccurate and improper information that is currently being reported on my credit profile. According to my rights under the Fair Credit Reporting Act ( FCRA ), I demand that you conduct a thorough investigation into the errors and correct any inaccurate information immediately. Furthermore, I request that any incorrect names, addresses, or other personal information that do not match my current address, XXXX XXXX XXXX, XXXX, Florida XXXX, be deleted from my credit file. 

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) has previously sued Equifax and Experian for engaging in sham investigations regarding consumer disputes. As such, I am requesting that you conduct a legitimate and comprehensive review of my credit file to ensure compliance with federal law and to correct any discrepancies without delay. 

Under the FCRA, you have XXXX days from receipt of this letter to investigate and respond. If you fail to comply with this request, I will be left with no choice but to escalate this matter by filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please send me a written confirmation of the results of your investigation, along with an updated copy of my credit report once the necessary corrections have been made. If you need any additional information from me to process this request, please do not hesitate to contact me. 

I expect your prompt attention to this matter and look forward to your resolution within the time frame mandated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I received a copy of my XXXX XXXX credit report. I immediately noticed an account CitiBank/XX/XX/XXXX. This is not my account. I filed a dispute online with XXXX XXXX. They replied and told me the company said the account was mine. I then wrote XXXX XXXX a letter dated XX/XX/XXXX. I pointed out the account was opened on XX/XX/XXXX. I was starting my freshman year in college in XXXX, Tennessee on that date. I did not have a credit card at that time. I also pointed out the account is being paid each month and I was not paying it. I suggested they look to determine where the monthly statement was being mailed, where the monthly payment was coming from and that in turn would tell them who the account belonged to. It is not me. I received a written response on XX/XX/XXXX stating an investigation was done and concluded the account was mine. I then called the XXXX number for XXXX XXXX twice. Both times I talked to an individual who had difficulty with the English language. After walking them through the issue their only solution was to again file a dispute on line with them which I did.
Product: Credit card or prepaid card

constant incessant us mail solicitation have told discover card NUMEROUS times to cease and desist any and all solicitations. 
But they continue and continue and continue and I am XXXX XXXX OF IT!!!
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, certified mail letters were sent out to all three credit reporting agencies : XXXX, XXXX, and Transunion to dispute unverified items on my credit reports. I was simply just asking for some proof or verification of the information they have on file for me. It has been more than 30 days and I have yet to receive any proof of any sort of verification in regards to the information that I disputed. The information that is on my report continues to be unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I completed a CFPB complaint on XXXX, TransUnion, XXXX XXXXXXXX XXXX, and XXXX regarding a bankruptcy report that is showing on my credit report. This is inaccurate information. None of the credit bureaus responded to a letter that I previously sent them in XXXX of 2022. So, I had to do a CFPB complaint to get some actual results and that still wasn't to my satisfaction as there was no method of true verification. 

The following are the laws that were violated : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681a- ( e ) I did not give a Permissible purpose nor did they have my written instruction.

I also contacted the US Bankruptcy Courts and they mailed me back a letter dated XX/XX/XXXX stating that they do not send information to the credit bureaus. So, the claim that it was verified by the US Bankruptcy XXXX XXXX XXXX, MD is not accurate. PACER also states on its website that they do not provide information to third parties either. I will be attaching both of those to this complaint. 

I will be attaching my driver 's license and a copy of a power bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigations results.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FDCPA, I am a consumer as defined under 15 USC 1692a ( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt.

Im allegedly obligated, not obligated.

You can be either and since the law states The United States is obligated to pay debt, not a consumer according to uniform code 18 usc 8 company is being intentionally negligent by furnishing such information to my consumer report! Company is reporting inaccurate information.
Product: Credit card or prepaid card

I have XXXX separate issues regarding charges on my account. I received a fraud alert via text message in reference to all the charges made on my account on XX/XX/XXXX ( XXXX, XXXX, XXXX ) I still see the charges. 

I put in for a dispute for the charges from monthly XXXX XXXX ( {$8.00} ) which is the app for the XXXX XXXX on my car starting from XXXX XXXX XX/XX/XXXX I only see XXXX credits. I have not had my XXXX since XX/XX/XXXX it was a lease and I have proof of that. I am still being charged monthly for this. 

I have late fee XX/XX/XXXX even though I have always had a my account in Auto-payment.
Product: Checking or savings account

My bank account on multiple occasions have been sent into overdraft due to Navy federal holding onto my money after Ive paid a bill or something of that nature and they have my account set to automatically remove money from my other accounts such as savings if a company is trying to bill me. It has been times that I have set money aside for important things and when I went back into my account, the money was not there. My car note is {$250.00} a month, I pay it on the XXXX of every month because thats when I get paid, sometimes the money will not come out of account until a week later, of course I have to do other things with my bills and by the time day XXXX after I pay my car note comes, im under the impression that my account has been charged and its clear, then Ill receive a notification that my payment of {$250.00} has been approved. It has become an inconvenience. I have been on trips with my account overdraft over bills I had paid in advance because I knew I would be out of town.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates XX/XX/2020 and amount {$5500.00}. amount {$4500.00}, amount {$4300.00}, amount {$2800.00}, {$2700.00}, {$2700.00}, {$2700.00} and {$2000.00}. 

This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2020 to the company. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens.
Product: Credit reporting or other personal consumer reports

Student Loan ( DEPT OF EDXXXX XXXX ) In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Has violated my rights. 

15 U.S.C. 1861 Section 602 A. States I have the right to privacy.

15 U.S.C. 1861 Section 604 A Section 2 : Also state a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with the credit Equifax in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and I still have yet to receive any response. 

Initial dispute XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I have recently discovered that I have become a victim of identity theft. I am writing this personal statement on behalf of myself. My information was utilized to apply and/or obtain financial goods and/or services without my knowledge or consent. I am requesting that the following information be removed from my accounts immediately ; XXXX CARD SERVICES, XXXX, XXXX. I am a victim of identity theft and did not make these charges nor did i authorize or approve these accounts to be opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX  ( XXXX ) XXXX XXXX  account # XXXX and XXXX XXXX XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 please provide proof that I provided written instructions to furnish this account along with a wet signature or these accounts must be deleted according to the fair credit reporting act
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 USC 1681 section 602 A states I have a right to privacy. Under 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Dear CFPB, I am writing to express my concerns As a consumer who has relied on Experians credit reporting services, I am deeply troubled by the allegations outlined in the lawsuit, CFPB case # Consumer Financial Protection Bureau, ) Case Number : XXXX which include : failure to address inaccuracies, improper reporting practices, This action alleges that Experian violated both Acts by failing to reasonably reinvestigate consumer disputes challenging the accuracy or completeness of information in consumer reports, including by failing to forward all relevant information to furnishers, failing to provide adequate documentation or etc. 

The same issues have been happening with my disputes. There is still inaccurate information on my credit report due to this.which is also being shared with employers limiting my ability to become employed. 

The integrity of credit reporting is crucial for consumers like myself, as it directly impacts our ability to secure loans, housing, and/or employment. The allegations against Experian not only raise questions about their practices but also highlight the need for greater accountability in the credit reporting industry. I urge the CFPB to pursue this matter vigorously to ensure that consumers are protected from any unfair or deceptive practices. It is vital that credit reporting agencies maintain accurate and transparent records and provide consumers with the ability to dispute inaccuracies in a timely manner. Additionally, I would appreciate any updates regarding the progress of said lawsuit and any measures being taken to safeguard consumer rights in the credit reporting process. 

Thank you for your attention to this important matter. I look forward to your response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Experian, Equifax and Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax and Transunion has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's, Equifax and Transunion inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a dipute directed towards the incorrect items on my credit report. its been well over 30 day period and i have not received any results.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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