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

XXXX XXXX XXXX XXXX XXXX attached is what experian and XXXX XXXX reporting ... if they both get their source from XXXX then  why are they inaccuracies on the report .... 
DATE LAST ACTIVE EXPERIAN XX/XX/XXXX WHILE XXXX XXXX BALANCE EXPERIAN {$7400.00}, WHILE XXXX XXXX 
LAST PAYMENT EXPERIAN XX/XX/XXXX, WHILE XXXX XX/XX/XXXX .... INACCURATE REPORTING IS A VIOLATION ACCORDING TO FCRA RULES!! YOU MUST DELETE NOW!!
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS XXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion XXXX Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX-XXXX/XXXX  XXXX I recently submitted a request for investigation of an Acct Number : Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX  ), and XXXX XXXX XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiry Dispute with Credit Bureaus Dear CFPB, I am writing to inform you that I have sent letters to three credit bureaus regarding an unauthorized inquiry on my credit report. Unfortunately, I have not received any response or updates on this matter. I have sent letters on XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> requesting that the unauthorized inquiry be removed from my credit report. I kindly request your assistance in resolving this issue and ensuring that the unauthorized inquiry is removed promptly. Your attention to this matter is greatly appreciated. Thank you for your prompt action on this matter.
Product: Credit reporting, credit repair services, 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. Portfolio RC has violated my rights 15 USC. 1681 section 602 A. I have rights to privacy.

15 USC 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions.
Product: Mortgage

The mortgage company SunTrust has a site to pay your mortgage one can pay extra money on the mortgage principal the problem is their site doesn't work. You can call in and pay the exact amount or wait forever for a phone agent. This I believe is all to charge as much interest as possible. They need to be investigated.
Product: Credit reporting

I am filing this complaint against Transunion because they are not removing unauthorized inquires that do not have a permissible purpose. 

I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : These creditors did not have permissible purpose to pull my credit. I did not engage them nor did they extend any lines of credit to me. 
Under U.S.C 1681n if the following inquiries are not removed from my reports since there was no permissible purpose I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 
You have violated the FCRA Section 1681b ( c ) Since you have listed this inquiry against me I am requesting that you either mail me a copy of my signed authorization form that gave the creditor the right to view my credit within ( 5 ) business days so that I can verify its validity. A request has also been sent to the creditor and they have not responded. 
Your failure to comply with my request within five ( 5 ) business days will be my evidence to use in Federal Court of your willful noncompliance [ 15 U.S.C 1681n ] and I will be seeking all damages listed above. 

the following inquiries do not meet FCRA guidelines and need to be removed immediately. 

1. XXXX. I do not have a car loan with them and never applied. My loan is financed through my bank. 
2. XXXX Never heard of them and I do not have any credit with them. 
3. XXXX. Never heard of them and do not have credit with them. 
4. XXXX. I do not know who these guys are and I do not have credit with them. 
5. XXXX. I have no idea who they are and I do not have any lines of credit with them. 

These are unauthorized inquiries and I asking for the 4th time that these be deleted from my credit report. Failure do so will result in my filing a complaint with the FTC.
Product: Credit card

This debt is from 2007 and it has been 10 years since this debt was acquired. I believe this exceeds the statute of limitations in the state of California.
Product: Credit card

For the second time in the last 60 days or so they have reported my account 30 days late to credit bureaus!!! My payment was due XX/XX/XXXX and they have reported my account 30 days only a week after the due date... I believe this company is doing this out of spite because I was disputing other inaccuracies on the account. I will attach copy of statement proving the account was not 30 days late!!! CFPB needs to investigate the practices of this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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 UPDATE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX
Product: Student loan

The college I attended closed and was charged with fraud, my degree was not real and no jobs provided, I was lied to and received high interest loans that that now total  XXXX  I was told the closing of the school would result in discharge of federal debt, but this was not the case. I tried to get forbearances, or deferments but the interest is culminating at a high rate that I can not afford. the only this I was offered was a income based loan payment, and even this is incorrect I was told I could pay  XXXX  a month but my fi rst two b ills were  XXXX , and I was told if I did not pay them I could have my wages/bank levied or tax returns seized. This school was a waste of time, I received nothing from it but the debt. Attended school  in 1996 and  still paying and still owe  XXXX ? this is ridiculous, Please help. The service is poor and n o one wil l help. The are in a class action suit for same reasons, how can I be included?
Product: Money transfer, virtual currency, or money service

A wire transfer was sent by our Wells Fargo bank on XX/XX/year> in the amount of {$5500.00} to the beneficiarys bank in XXXX but after a number of unsuccessful traces, Wells Fargo has abandoned us that there is nothing that can be done and the recipient never received the money. 
Wire Transaction confirmation XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Please help. Thank you
Product: Debt collection

I recently checked MY Credit report on XX/XX/2018, and I noticed an account was in collection for XXXX a medical debt. with no collection company or original company, I had to call into XXXX to find out who was reporting me. they had told me XXXX XXXX XXXX was the owner of the debt and the original company is XXXX XXXX XXXX. I have yet received any contact from XXXX XXXX XXXX which makes them unprofessionally. I want to know Why my medical information is being sold to a 3rd part debut collector in which they have violated my personal rights under the HIPPA Act. Do I want to know if this Collection company is legally able to collect in my state of California? 

I also want to know who your insurance company and policy number to further pursue legal action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMER 'S CREDIT REPORT, As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, driver 's license, and bank statement 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER Account : XXXX XXXX XXXX ( Original Creditor : XXXX  ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX
Product: Debt collection

Mr. XXXX XXXX was trying to collect money from XXXX XXXX ( another company that has the similar name as my company 's name, but it is not my company ) I told him you have the wrong party, he filed a lawsuit to get a judgment against my company although the contract has the name of another company that is not my company. The person that signed the contract is not a member or an agent of my company. I did not sign the contract. Another name is showing there. I told them so. They said pay us {$2200.00} and we go away. I refused so he continued in a lawsuit. 

They sent an email stating they will pursuit the lawsuit if, I do not pay {$2200.00}. The lawsuit continued and the judge told them she has a problem with them having the wrong party. I paid a lot of money to fight them. They are debt collectors, third party debt collectors. They have a lot of cases in XXXX County for their client XXXX XXXX formerly XXXX   XXXX. 
I was looking for their bond to file a claim, it looks like they do not have a bond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for TransUnion so I could get my free credit report with them. While signing up I was required to provide credit card information because the only way to get the report was to sign up for their credit monitoring program. 
I did not want their credit monitoring, counseling or alerts. It wasn't until I was a member and charged {$27.00} for my credit report that I was offered the link for a free version through a 3rd party. Like the other 2 credit bureaus I should be able to get it from TransUnion for free and not pride my personal information to a 3rd party. 
No I have a membership for the next month that I don't need or want and have cancelled but still won't get any money back.
Product: Credit card

My friend and I recently went shopping at TJ Maxx XXXX XXXX XXXX XXXX XXXX. While checking out the cashier asked if I would like to join their, and I quote, " membership program ''. Thinking I could earn some points, I gave my information as prompted on the card reader. It was not until my friend came over and informed me I was really signing up for a credit card and if that was what I meant to do. I explained I did not know it was a credit card I was signing up for, I thought it was a store loyalty program, and I wanted to cancel. I asked the cashier to please cancel the application twice and twice she said it was too late and that it technically WAS a membership program. It was very deceptive of the cashier to not mention once that it was a credit card she was asking me to sign up for. I am not experienced in signing up for credit so I was not aware when I was putting in my personal information. I would like others to be aware that employees of TJ Maxx are not forthcoming about credit card offers and will disguise the request as signing up for a " membership/loyalty program ''. Shame on them and now I have to keep open this card so it does not harm my credit.
Product: Credit reporting or other personal consumer reports

There were three fraudulent bankruptcies on my report XXXX and Experian have removed all three transactions union has removed one which is XXXX but they refuse to send me a debt validation letter in writing and I asked several times I also had chime and fingerhut do the same thing but each bureau has removed them from my credit report except XXXX and they know that its fraud DEBT VALIDATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XX/XX/XXXX DEBT VALIDATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Last 4 SSN To Whom It May Concern : I am writing this letter to dispute the following accounts : Bankruptcy # XXXX and # XXXX both are fraudulent XXXX removed one but not the other two after several recordings I have of them saying they were fraudulent and going to be removed. 

XXXX  # XXXX there was never any balance as it was a secured prepaid credit card and I could only use what I put on the card so its very inaccurate and harmful to my credit XXXX  XXXX # XXXX this account was opened over a phone call using my personal information at an address I have never lived at and was included in a fraudulent bankruptcy which these have been deleted by Experian and working on XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.
Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud3. Fair Debt Collections Practices Act 15 USC 1692g violations4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 

Account XXXX - XXXX XXXX Account number - XXXX
Product: Credit reporting or other personal consumer reports

This Company has violated my rights as a Consumer by not complying with the law by consistent ignore my Right to Privacy in accordance with : 15 USC 6801 ( a ) The Company has ignored it's obligations pursuant to : 15 USC 6801 ( b ) 15 USC 1681 ( a ) I am requesting that this company remove and delete the following named accounts immediately and cease reporting any of my personal information without my consent. 
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
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Product: Debt collection

( AR RESOURCES INC ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$410.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Debt collection

EXPERIAN is reporting assumed medical expenses to my credit report which is a violent of law. 
On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) finalized a rule that prohibits consumer reporting agencies from including medical debt on credit reports. 
Credit score and report was negatively impacted by this. 

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

Reports still showing information which I was a victim of identity thief the are still reporting inquiries and accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX CoreLogic SafeRent, XXXX XXXX : XXXX XXXX Department XXXX. XXXX XXXX XXXX XXXX, California XXXX To whom it may concern : This is a request for my full consumer report. 
Enclosed are the following two documents that verify my identity : Photo ID SS number Utility bill Please send a copy of my consumer report to the address listed above. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX and XXXX, 2024, I deposited XXXX checks from my husband 's XXXX XXXX  account into my HSBC savings account. XXXX check was for {$25000.00} and the other was for {$16000.00}, totaling {$41000.00}. On XX/XX/XXXX, my HSBC account was suspended. When I called HSBC, they informed me that they needed five business days to review the transaction. 

On XX/XX/XXXX, after their review, HSBC decided to close my account and return my money. I was extremely upset because I have done nothing wrong and can provide ample evidence to prove that my deposits are legitimate and not related to any fraud. However, HSBC did not consider my explanations and insisted on closing my account. 

HSBC stated that the {$41000.00} would be returned to my husband 's XXXX XXXX  account, but they did not provide a timeline. Additionally, I have {$100.00} in my HSBC checking account, and they have not informed me when I will receive those funds. On XX/XX/XXXX, HSBC customer service told me that the money related to the checks had already been returned to my husband 's account. However, when my husband checked with XXXX XXXX, they confirmed that the funds had not been received yet.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is misreporting my loan from XXXX  as being late. This was discharged in bankruptcy and it seems the group that managed my loan no longer exists. The reported phone number on my credit profile does not function. The old payment portal XXXX XXXX XXXXXXXX does not function. Calls to them show its no longer a working number. It should have aged out by now, but it does not. All other accounts have disappeared from that era including other vehicles. 

The late reporting was a violation of the automatic stay from the bankruptcy case and I have spent this entire time trying to get it removed only for the credit bureaus to pretend to investigate it falsely.
Product: Checking or savings account

The departments " fraud '' and " Online-tech '' don't coordinate well. Almost two months and I have no access to my accounts via online. 
Here is my story : Long ago ( XX/XX/XXXX ) there was a fraudulent activity in my account. It happened in the middle of the night. So, in the morning I noticed the activity and I called US bank. They helped me by closing my account and created a new one ( savings too ). Since, I have been trying to access my account with no luck. I have been given 4 new debit cards and none of them have been useful. The debit card is the least of the problem. 
I used to have all online banking with everything ( pay utilities, credit cards, etc. ). Since the account was closed and I couldnt get into my accounts. I have paid a late fee for everything that was through the bank and I was not able to manage. So, I went ahead and spend HOURS calling everyone and enroll on direct withdraw from every account respectively. I would have preferred paying myself -I like managing my payments on my own.. Still, I went ahead for the sake of making sure I am paying on time. 
I have gone to the branch and the managers have been so willing to help me. They have witnessed my frustration and my crying of desperation. I am sure there are notes that they have entered about my problem. 
All I need is to be able to do online banking and use my existing accounts. 
I need access via computer and my phone to access my accounts.