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

Dear CFPB, I recently received a copy of my (, XXXX, XXXX Transunion, ) credit report and I noticed some transactions posted on my credit report that is excluded by federal laws to my consumer reports ; XXXX, Transunion, XXXX, They reported my account as LATE in the month of XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Names of the accounts : XXXX XXXX XXXX XXXX XXXX Account numbers : - XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 

15 USC 1681 a ( d ) [ 2 ] ( A ) ( I ) ( 2 ) Exclusions. - except as provided in paragraph ( 3 ) the term consumer report does not include - ( I ) report containing information solely as to transactions or experience between the consumer and the person making the report ; On XX/XX/2023 you reported transactions from XXXX XXXX XXXX, Account Number XXXX my consumer report. The above section 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is not included on the consumers report yet you are reporting this information to my consumers report! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) to a consumer report is clear violation of Metro2 Compliance! 

Provide me with a Metro2 Compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported as Late Payment on XX/XX/2023 DELETE it from my consumer reports effective immediately. 

Now before you think to reply with validated. let 's be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 


Further more 15 USC 1666b ( a ) ( A ) Time to make a 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. 

I need the above transactions deleted from my consumer reports! 

Best Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I attempted to dispute inaccurate information on my credit score affecting my credit score, because I am trying to apply for my va loan to purchase a home, I've contacted the credit bureaus to delete over 13 accounts that exceeds past the 4 year california statute of limitations, but the creditors keep illegally re-aging the accounts that total up to {$20000.00} and the credit bureaus keep allowing me them to, when I dispute the items to let them know what they are doing is illegal, experian, XXXX, XXXX  blocks me from filing the disputes, this has became on ongoing problem for years and something needs to be done about it, I am tired, and frustrated because they keep my scores in the low XXXX 's when my scores should be in the mid XXXX to XXXX, everytime I contact them they do not fix the issues that these creditors are illegally causing
Product: Money transfer, virtual currency, or money service

Yes I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is and there is a Treasury direct account my social security number but my wife and I can't access because my wife 's sister XXXX XXXX been stealing from it she stole our identitis and impersonates my wife and gained access it is beyond us how this could even be possible we now know about it and want this immediately fixed and in the legal rightful people XXXX XXXX XXXX XXXX XXXX XXXX XXXX We are very upset XXXX XXXX and XXXX and XXXX XXXX All companies THAT are involved in our legal trust account XXXX XXXX is committing tax fraud in my wife 's and my names and gets fraudulent social security numbers on us My birthday is XX/XX/1945 My social security number is XXXX XXXX XXXX. .her sister already has our social security number across the Internet even selling fake social security numbers check Treasury direct account XXXX XXXX XXXX My social security number. My wife XXXX XXXX XXXX married XXXX yrs only her and I are rightful legal trust fund account owner 's
Product: Credit card

I have a Citi AAdvantage credit card ( XXXX ) For many years, I have paid in full every pay period without any problems. 

I closed my checking account and reopened a new one in XXXX. I have paid all my bills from the new account since. I paid my XXXX card balance ( {$22.00} ) online and that payment was confirmed by Citi Bank. Days later, Citi claimed it was rejected due to my old checking account being closed. I paid it again online with the Citi automatic online " XXXX Bank link '' method and had a confirmation again. Days later, the payment was also rejected due to payment from a unknown owner 's account. I was frustrated with Citi 's online payment system XXXX up. Finally, I called in to provide my checking account information to pay the balance on the phone. Citi bank 's online payment has a serious external bank link problem, but it charged me for the mess-up, imposing fee and interest on my account.
Product: Credit card

the bank is showing my date of last payment XXXX and that is not true my date of last payment XX/XX/2016, The balance is also reporting incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Account # XXXX, Account # 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
Product: Credit card

Imade a purchase from XXXX. The charge appeared for the item ordered. At the same tome a charge appearedby name XXXX  XXXX. The amount was the same as the order from XXXX. Igoogled the XXXX  XXXX and got name and contact number of the company. Their website requested to send an email ; I sent them an email but they never replyed. I called their phone number but box was full. Tried on seperated days. The company made and sold the item I ordered from XXXXXXXX XXXX XXXX XXXX. The charge was {$32.00} on XX/XX/XXXX. Then called my Visa Bank Card and disputed the charge. I got a letter from my XXXX XXXX  card center denying the dispute XX/XX/XXXX. I did not do any business with this company NOR did I give them my credit card number so it is a fraud. Regions Claims Resolutuion XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXCBNA Closed : XX/XX/XXXX {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit {$800.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 9 yrs, 9 mos ) Payment History Last payment -- Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Authorized User Remarks Account closed by credit grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX It was taken out by my Mom & Dad not me
Product: Debt collection

on XX/XX/2022 and XX/XX/2022 i resquested the verification of the alleged debt pursuant to my right. Lvnv funding llc failled to obtain and send verification of the alleged debt by not mailling me a contract .instead of sending a signed contrat or agreement as requested
Product: Debt collection

This collection agency XXXX sent my fiance ' the letter advising of her debt to XXXX XXXX XXXX XXXX, upon which she has disputed. We faxed her dispute letter directly to this agency on XX/XX/2015 requesting to validate the debt. We received another statement on XX/XX/2015 threatening credit reporting actions against her if she did not pay in full and did not send validation of the debt. This violates the right to dispute and is also considered overshadowing.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

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. 

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/year>
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have never done business with the debt collection company, more importantly the alleged debt is not owed as it was paid. I request that credit bureaus do a through investigation before slapping a debt on a credit report. Attached are the details showing the debt was cleared. Please remove this negative information from my credit file as it does not depict an accurate description of my credit worthiness. I ask this be removed in XXXX business days or I plan to pursue legal action against the credit bureau for their reporting without proper validation of the debt. The company has never owned the debt nor have they provided proper verification as they can not provide documentation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : US DEPT ED Account number : XXXX Account name : US DEPT ED Account number : XXXX Account name : US DEPT ED Account number : XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXXXXXX XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX AT XXXX XXXX APTS ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting

This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$1200.00} Account Details Last Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX {$1200.00} High Balance {$1200.00} Remarks XXXX, XXXX XXXX Result : XXXX 
Dispute Reason XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX. 
Balance {$0.00} XXXX XXXX {$650.00} XXXX XXXX XXXX See something wrong? 
You could dispute an error with XXXX. 
Manage Your Collections Accounts
Product: Credit card or prepaid card

I have applied for the offer extended to me by The Huntington Bank that required {$3000.00} spend within 90 days. 
Since I was working abroad until XX/XX/2022 I have called the bank upon my return on XX/XX/XXXX and inquired the current TOTAL spend on the account upto that date. The figure I was given was {$1500.00} which should have included a refund from XXXX XXXX ( over {$100.00} ) that took place back in XXXX before I left the country. That's what the meaning of the word TOTAL is. I then was informed that I have to meet the spend of {$3000.00} by XX/XX/2022. Thus the TOTAL spend taking place was {$1500.00} until XX/XX/XXXX and additional {$1500.00} in purchases until the XX/XX/XXXX offer 's closing date giving a TOTAL spend of {$3000.00}. 
When I called the customer service on XX/XX/2022 I was told that the info provided to me during the call on XX/XX/XXXX was incorrect and the {$3000.00} spent wasn't met thus I do not qualify for the {$300.00} bonus. Please note that the total spend on all of the card during its existence approx {$3200.00}. 
Frankly as business owner it is truly appalling the the customer service supervisor was not even professional enough to listen what the customer had to say but to talk over the person with a very arrogant and unprofessional demeanor. Furthermore when I asked for a personal ID he told me that he doesn't have to give to me and the only info he would produce is that the call was taken out of XXXX ( MI? ) location.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Dispute of Unauthorized Hard Inquiries on [ XXXX XXXX XXXX ] 's Credit Report. 
To Whom It May Concern, I am writing to dispute unauthorized hard inquiries that are present on my credit report. As a responsible consumer, I understand the importance of accurate credit reporting, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
The unauthorized hard inquiries I am disputing are as follows : [ XXXX XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] Please note that I did not authorize or initiate these inquiries, nor did I provide written or oral consent for these parties to access my credit report. According to Section 604 ( a ) ( 3 ) of the FCRA, a credit reporting agency may furnish a consumer 's report only under limited circumstances, such as when a consumer has given written or oral permission or when the transaction is initiated by the consumer. In this case, neither of these conditions has been met.

As required by the FCRA, I kindly request that you conduct a prompt and thorough investigation into these unauthorized hard inquiries and remove them from my credit report. Under Section 611 of the FCRA, you must complete this investigation within 30 days of receiving my dispute letter.

Please send me written confirmation that you have received this dispute and an updated copy of my credit report reflecting the removal of these unauthorized inquiries. If you determine that these inquiries were indeed authorized, please provide proof of my consent in writing.
Product: Debt collection

I received emails from TrueAccord Corporation starting on XX/XX/2019 thru XX/XX/2019 about an alleged credit card debt owed that they wanted me to pay. My reply to these emails received were letters I sent to TrueAccord Corporation from XX/XX/19 thru XX/XX/19 asking them to please document and verify the alleged debt. Each letter sent included a request for A front and back, true and correct copy of the alleged signed agreement bearing my signature. This is for full and complete disclosure, which is required to demonstrate validity under globally accepted contract law. TrueAccord Corporation response to my request was to send me account summary documents and more emails  requesting I pay the alleged debt. I never received verification of this alleged debt. Would you please investigate this? 

Disbuting the debt.
Product: Payday loan, title loan, or personal loan

Five months ago we got a payday loan from Belles Finance located in XXXX oklahoma. It was a emergency our tire blew we needed a new tire. We got XXXX We had a installment plan to pay back. 
We did good until my wife list her job du to the new virus. A pon making monthly payments we agreed to pay XXXX A month. They called three to foyr times A day. I'm a XXXX retired veteran I have explained to XXXX that we can send XXXX but that's the most we can do. 
Well my wife got a money order made out to them XXXX two months with a letter asking them to accept it, tjey did but do not come to our house asking for money as they did four times. 
Giving my babysitter a letter to me when she was outside the lady from belles finance pulled up asked her " XXXX XXXX live here " she didn't know how to answer the lady said here give him this letter. It was asking for a payment. 
Then two days later sent another person to the house asking for money on top of calling over and over again. 
My wife told them in a letter and face to face do not come to my property you are not allowed. If you continue to harass or call demanding money then this loan would be paid in full. They are very rude and have no problem seeing you in the gas station asking you for money as well. Giving put personal information about the debt u owe them. 
I have paid but seems as if more more more interest is added as well. 
I am done. They have harassed my family, kept coming to my house after being asked not to several times. so I will be sending a certified restricted letter to them in XXXX, proof of sent asking them to case and dismiss. For the inconvenience and harassment caused my stress level to rise. I'm a 22 year vet served war four times. I have XXXX I'm XXXX XXXX. I suffer from XXXX XXXX XXXX XXXX   XXXX, I have a XXXX XXXX, XXXX XXXX XXXX, and XXXX. 
We have tried to reason with them. please help me.
Product: Credit reporting or other personal consumer reports

I notice the following inquires in my credit reports which i did not authorize : SYNCB/lowes on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  XXXX Account number XXXXXXXX XXXX Account number XXXX 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. The listed above accounts have violated my rights and tarnished my credit history, these fraudulent accounts have been added to my credit report. I tried reaching out to the fraudulent accounts and as a result nothing has been done but they keep reporting negatively.
Product: Credit reporting

The wrong phone numbers are listed. The only correct phone number is my cell phone number. There are XXXX social security numbers on my report that are not mine and I have only used my correct and original social security number. I never tried to obtain a car loan in 2014 and there are numerous other false statements. It is my belief that possibly my ex-wife of 20+ years and or my son or daughter, both of adult age may have used my personal information. I am trying very hard to get my credit in good standing and so far I am doing pretty good as I try to carry no credit card balance. Have always paid my rent on time. It is just demoralizing when you are trying so hard and see mistakes such as XXXX wrong social security numbers. XXXX Towns that I never lived in. That being XXXX, Ma. and XXXX, Ma. and possibly XXXX, Ma.