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

I authorized a third party to send a letter on my behalf to correct personal information on my credit consumer profile, and I provided a copy of my drivers license for proof of address along with a copy of my social security card for secondary proof of identification. Transunion responded by sending me a letter stating they did not believe I sent the letter or an authorized third party to send the letter. On XX/XX/2022, I spoke to 3 different representatives in attempt to verify that this had taken place with my authorization, I accurately answered all security questions that were asked of me to verify my identity. After verifying my identity I stated the the representatives, to please refer to the notice that was sent in act in good faith to ensure that my consumer profile only contains accurate, current, and complete information. Each representative began asking me questions about alleged inquires, and alleged accounts within my consumer credit profile. I kindly repeatedly stated, I called in today strictly to verify my identity to verify with TransUnion the written communication was authorized by me for all other information please refer to the written communication In which all necessary information has already been provided One representative even denied ever receiving the letter, and once I responded why did you all send me a letter then if you did not get the letter that was mailed out to you and the representative blatantly hung up The representatives were very rude customer and spoke in a bully like manner by only allowing me to speak once they felt like I would give them the answers they wanted, all 3 representative I spoke with carried on in this manner, the second rep I spoke with was the rudest, after I didnt give her the information she wanted me to validate ( she was attempting to get me to validate allege accounts within my consumer profile ) which was not relevant to verifying my identity she became upset & continued to talk over me, I then asked what her name was & she hung up on me, and after all of this my personal information is not reflecting what is accurate, true and complete
Product: Credit reporting or other personal consumer reports

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). TransUnion is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt.

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. How is it possible that maximum accuracy is assured when the company is verifying erroneous information to the CRA through an ACDV, and hasn't provided you with proper validation of the debt? 

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My girlfriend got a wayfair card. She added me as an authorized user thinking it just gave us an additional card. It was never disclosed it would factor into my credit. She removed me the same week and I never used the card I was sent and have no access to this account. Its negatively affecting my account. XXXX is the only one who wont remove it. The other 2 bureaus removed it so Im not sure what the issue is.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX {$1000.00} premier XXXX XXXX {$440.00} XXXX XXXX XXXX {$710.00}
Product: Mortgage

Network Capital changed our mailing address without our consent. As a result, some documents that are highly confidential are sent to an unknown address. We asked the company how our address was changed without our consent and they could not find an explanation. Network Capital staff stated that they required all borrowers ' signatures to change a mailing address. However, they could not produce any signed form. Please investigate the process for an address change as this may be negligence due to lack of training or intentional fraud. This investigation is necessary to prevent identity theft from occurring. The address listed in the attached letter is an empty lot.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX National Credit Systems , Inc . 
I asked The supervisor XXXX XXXX to give XXXX authorization to remove a Paid debt from my credit. 
Amount {$670.00} paid XX/XX/XXXX. 
XXXX XXXX said no that she would not talk to anyone from the XX/XX/XXXX or any Credit Bureau, when I asked her why XXXX XXXX said it was against company policy and it was not worth losing her job. I asked to speak with her boss and she said NO. 
I asked her again for her to give me her supervisors name and was told no. I asked her who owned the company and a direct phone number and she lied to me and gave me a false Name and Email and no number. 

This is not acceptable business practice by any means..
Product: Debt collection

This account is not mine, and I did not authorize its use. Please remove this erroneous account from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/1985 SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX per 15 usc 1681E ( B ) ( 2 ) Responsibilities of procurers for resaleA person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure XXXX XXXX XXXX Account Number : XXXX i demand this account be deleted from my credit report this is false misleading inaccurate and i have contacted the company with no responses at all i have sent certified mail and have been trying to contact them weekly yet no response and they have to by law provide me with everything that i have asked of them for and they have not done any of the above things listed so by federal law you are violating my rights on my consumer report and there is no way this is still reporting when i have sent proof of me contacting this company they have not verifed anything and yet your reporting on my credit report and have not validated anything at all. i deman this enitre account be deleted from my credit rpeort it is reporting differently on all bureuas
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I was a victim of identity theft last year. Several accounts were opened in my name. Several companies extended credit. When I found out. I contacted all the credit bureaus and placed a fraud alert. I filed the required affidavit and returned a copy to each company that there was credit opened with my name and used. I also sent a copy to each credit bureau including Experian. XXXX is XXXX of the companies that is giving me a hard time. They say that It is my account and refuse to take it off. Experian refuses to investigate any further hiding behind the XXXX clause. I want me credit report to report exactly what my responsibility is. I was a victim of identity theft. I am not going to pay XXXX for item that I did no authorize and I also did not receive. Also the system for uploading documents to experian is not working. I have had to spend numerous stamps getting correspondence to them.
Product: Debt collection

I settled this account in full for pinnacle credit services through XXXX financial corp on XXXX/XXXX/2015 they updated my credit report to show the balance decreased did not show account has been settled in full when calling them they play games blaming it on the credit bureaus. This account needs to be updated
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Capital One regarding payment made on XX/XX/19- utilization rate & Credit reporting. 

Told statement date is earlier if falls on Sunday. No payments processed on Sunday. 
Payment processes Monday XX/XX/XXXX and not reported until XX/XX/XXXX. 

Credit Reporting : Actually shows utilization for XX/XX/XXXX when cycle was closed in the XXXX at days end. 

Capital One XXXX said Capital One can not make any changes. As a Senior Account Rep for phone support she is the HIGHEST level- no one above her, no other departments to go to. Only can write Capital One dispute department to dispute mis reporting. 
Asked to file a complaint - did not write the complaint with all issues only vague details in the complaint. Then said she had submitted it and could not read it verbatim to me. 

Non Transparency of practices and procedures. Poor customer service and derogatory affects on credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent : XXXX XXXX XXXX {$1700.00} XXXX   XXXX XXXX XXXX {$1600.00} XXXX {$1100.00} XXXX XXXX {$590.00} XXXX   XXXX XXXX {$93.00} XXXX XXXX XXXX XXXX XXXX {$76.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX card statements paper statements stopped delivery to my new home address. When notified by chase via email that my account was past due to paid the entire bill off in full. XXXX also removed all late fees and interest fees. However they are still reporting past due on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My reports from TransUnion and XXXX both show an account, XXXX XXXX XXXX, showing negative payments for a time period that they did not own, nor service the debt. XXXX XXXX XXXX, only should be reporting XX/XX/XXXX through XX/XX/XXXX. These negative payments are now showing twice, one from XXXX XXXX XXXX, and again from the prior creditor. Also, I paid on time in XX/XX/XXXX, yet XXXX XXXX XXXX  is not reporting it. I have contacted TransUnion, XXXX and XXXXXXXX XXXX XXXX each several times to resolve this. XXXX, however, removed the XXXX XXXX XXXX from my credit report after their investigation.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity.

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding Zelle 's handling of disputes, specifically in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial intuition and Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit card or prepaid card

Today I am writing to you in regards to my Bank of America Account # XXXX. 
I paid off my account in full in XX/XX/2021. As far as I knew this account had no balance. It seems that interest was put onto the account after the payment was made. I was unaware that any balance remained and only became aware of the issue when I applied for a home loan. A late pay showed up in XX/XX/2021. This is impacting the ability to close on my home.
Product: Mortgage

Payment issues with PHH mortgage. There stating were months behind and I have proof that payments have been made. I believe they have not applied payment appropriately and they are and have been giving us the run around now they have disabled my online account and Im unable to see my account and payment history. Also they will not let me make a payment on my loan. We have been told and emailed so many lies that I am wanting to pursue a lawsuit. I would not recommend this company to anyone Ive gone thru sleepless nights and medical issues related to all this besides our credit. They will not hear the end of me until they get what they deserve another lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, And Transunion are not doing a investigation on the Dept of education student loan accounts on my credit report. There is inaccurate information reporting and its making it impossible for me to do what i need to do credit wise with negative reporting. I have reached out to all bureaus and disputed it and nothing was done. These accounts are coming back verified from the credit bureaus.Transunion last reported a balance of XXXX on XXXX XXXX opened XXXX. With a monthly payment of XXXX dollars. Payment status in collections/Charge off! How is this possible? XXXX is reporting a balance of XXXX on XXXX XXXX opened XXXX XXXX. Account status closed. XXXX last reported a balance of XXXX on XXXX XXXX opened XX/XX/2012. Payment status seriously past due date/ account closed.
Product: Student loan

I was speaking with someone from the XXXX referring to my current student loan from when I attended school for 4 months in 2014. They were helping me with my payment ( s ) and I asked them if this also would apply to my other student loan. The woman from the loan service I was on the phone with as well as the gentleman from the XXXX both explained to me that the loan service I was speaking to presently was my ONLY student loan for the school. I was extremely confused. They proceeded to explain to me that what was happening was a " third party '' gathered my basic information from my REAL loan and created another seemingly FAKE loan off of that. The monetary numbers almost match each-other as well. So I guess I 've been double paying my student loans because only ONE of the TWO seem to be legitimate as again I was told I only have XXXX loan for my past schooling of only 4 months. The woman and gentleman I was speaking to also told me how common and unfortunate this was and that they received calls like this daily with students unaware that they were being scammed. I am still shocked, confused and extremely frustrated. I had been receiving regular emails and letters/statements from the seemingly fraudulent loan in the mail just like the real loan for about 2 years now.
Product: Credit reporting or other personal consumer reports

RE : Last 4 of SSN XXXX This letter is in reference to the account listed on my credit report by XXXX XXXX XXXX under account # XXXX. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory reply. 

Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX I am requesting your method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. Because the automated response that is attached is unacceptable. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting this erroneous item. 






Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX method of verification
Product: Checking or savings account

Hello my name is XXXX XXXX On or around XX/XX/XXXX I opened up a business account with Chase and my funds are being held for no real explanation. Your employees are telling me that they can not verify my funds through XXXX XXXX XXXX who has been around and open for decades.. XXXX XXXX  issued my company XXXX XXXX XXXX a check for {$1100.00}. I opened up a business account with that check with Chase. Chase is suspended my account and closed it amd told me they will be sending me a cashiers check with the remaining funds with no explanation why. So today I called for in update, and are holding my funds hostage because they are saying they cant reach XXXX XXXXt to verify when I gave them three advancement and I have spoken with XXXX XXXX  five times today about this matter. XXXX XXXX says Chase has not contacted them about this matter and the funds have been cashed. at this point, I need to speak to someone important, someone thats in charge of this because this is not good business. I have received checks from XXXX XXXX  before and never had a problem cashing it with another bank until I changed banks and made chase my new bank. I guess I was wrong about you guys being a better bank to conduct my business with. You employees are saying they are going to hold my money for two years and I wont be able to get it back. I dont understand how this is fair when XXXX XXXX  has told me that my check was cashed. You cant just hold someones funds? XXXX an someone please contact me at XXXX or XXXX XXXX XXXX  at XXXX ( XXXX ) XXXX. I will be filing a Complaint with the Consumer Financial Protection Bureau if XXXX cant get this matter resolved. 
Sent from my XXXX to chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is reporting unauthorized inquiries on my consumer credit report.
Product: Debt collection

XXXX is calling my parents house between 3-8 calls per day.
Product: Credit card

ive opened up a dispute within chime for a amount of XXXX & chime has denied my dispute XXXX times, making me change my dispute category each time & repeatedly denying my claim when i am stating i sent these funds & didnt receive the products in return, which chime being the bank i had my funds in they shall be able to help me on recovering my funds or even providing me with some type of credit they have yet to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an alert that a company had completed a hard inquiry on my credit file with Experian. I logged in to check and a company called The XXXX XXXX was listed. On another part of Experian 's website, the company was listed as XXXX XXXX XXXX. Both companies list California addresses but I can find no record of either company at those addresses or any other in California. Additionally, the phone number listed for both companies is the same, but no one ever answers at that number. Upon further investigation, I found several recent complaints on the XXXX  website all alleging the same thing-credit reports pulled for unknown reasons. 
I called Experian to dispute the pull, but they said I have to reach out to the company first and get a letter from them to remove the inquiry. ( a company that doesn't exist as far as I can tell ). 
I do not have any past due accounts nor do I have any collection accounts on my credit, and I didn't authorize anyone to pull my credit for any reason.