23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

TRANSUNION has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that TRANSUNION HAS NOT under Section 611 ( XXXX ) ( A ) of the FCRA - TRANSUNION are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. TRANSUNION is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.
Product: Credit card or prepaid card

Sumbitted a prior complaint regarding Capital One. Received response that was incomplete and/or nonresponsive. CFPB indicated I have until XX/XX/2023 to submit a response but the original complaint is closed and will not allow me to respond further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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

i xxxx xxxxx am writing about a previous disputed account thats on my credit profile report .That took more that 2 weeks too report that it was disputed.I 've made several attempts to dispute this negative, unverified account by USPS registered mail on XX/XX/2020. I ask that this account be immediately deleted. This erroneous account is hindering my ability to obtain funding, and causing me too pay higher interest rates!!. This violation of the fair credit reporting act ( FRCA ) should be removed forthwith per my request please ... ..
Product: Debt collection

Portfolio Recovery claims that I owe them a debt. I politely ask the guy on the phone to validate the debt and the guy started yelling at me. I continued to get harassing calls from Portfolio. I have blocked them but they call 5 or 6 times a day from a different numbers every time.I work nights and I have not been able to sleep during the day because of the numerous calls. I do not have any association with Portfolio Recovery or owe them any debts.
Product: Credit reporting or other personal consumer reports

I made a payment of XXXX that posted to my account on XX/XX/year>. This payment has paid my account off in full. XXXX XXXX  is still refusing to correct the payment status to paid in full after I disputed the information with Experian, XXXX and XXXX. They are still reporting the incorrect balance information.
Product: Credit card or prepaid card

On Wednesday, XX/XX/XXXX I called Chas, my XXXX XXXX Visa Credit Card provider, and asked how to make a claim under their purchase protection benefit. On XX/XX/XXXX, I purchased three high school textbooks for my XXXX year old daughter because she transferred to a new school. All three books were damaged when a water bottle in her backpack broke. The Chase representative assured me the textbooks would be covered and instructed me to file a claim at XXXX. I immediately went to the website and filed the claim, including uploading all of the requested paperwork which included a copy of my credit card statement, copies of the three receipts and photographic evidence of the damage. The website even had " books '' as one of the catagories I could list as the type of item they cover and that I could make a claim on. After following up repeatedly on my claim since the insurance provider failed to " review my information and contact me within 5 business days to outline the next steps of the process, '' as outlined in an email I received acknowledging my claim submission, I called to complain. The representative said claims are not looked at by an examiner " for eight to ten days '' and then it would take " two days to actually review the claim. '' I responded that this information was contradictory to the information provided in writing in the email XXXX sent to me, and she said that she is not an adjuster and that is how it works. I then asked to speak with an adjuster and she agreed to connect me to one. I was then put on hold and when she returned, she said my file had " just been updated while I was on hold and that the claim was being denied because textbooks have finite lives and are undergo revision after courses end. '' I explained that my daughter 's course had not ended and that I was told specifically by Chase that my textbook purchases would be covered and was again told they were refusing my claim. '' By the time the call ended I received an email stating that my claim status had been updated and was being denied. I find this completely outrageous and borderline fraudulent.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XX/XX/XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXXXX/XX/XXXXAccount Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Fair Credit Reporting Act 15 USC 1681 section 602 a says " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. 
I have the right to make sure my private information isn't shared which is supported by 15 USC 6801 which says " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' AVANT LLC/WEB BANK is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' AVANT LLC/WEB BANK the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to XXXX, XXXX, AVANT LLC/WEB BANK whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' AVANT LLC/WEB BANK Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' TAKE NOTICE I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraudulent accounts on my Equifax credit report. These accounts was blocked and removed on XX/XX/2020 and XX/XX/2020. I have proof that these items were removed from my credit profile. Upon reviewing my recent credit report, these fraudulent accounts are back on my Equifax report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over all 3 of my credit reports and I noticed that there was a few errors and inaccurate accounts listed on my report. Under the Fair and Accurate Credit Transactions act I should have been notified of the changes to my report and giving a proper update.I seen accounts I have never seen or done business with these company. I would like a full investigation into these matters : 1. XXXX XXXX XXXX # XXXX This account is beyond the status of limits please delete.This account was re-aged it has been closed since 2009! 2XXXX XXXX # XXXX This account is under a class action lawsuit for Fraud it is a error please delete. The company no longer is in business and this account is inaccurate. 3. XXXX XXXXXXXX XXXX # XXXX This account was already paid in full never late listed as collection paid in full. Error please delete. 4. XXXX XXXX XXXX # XXXXHIPPA Act Violation. This account was paid toward the original creditor Dr. Office. There is no need for XXXX XXXX to have access to my personal FEDERALLY PROTECTED PRIVATE MEDICAL RECORDS. I NEVER GIVE THEM PERMISSION TO ACCESS IT. 5.XXXX XXXX # XXXX I have never done business with this company I do not recognize this company. please delete.
Product: Credit reporting or other personal consumer reports

I requested for proof of debt validation and was not given any type of proof of debt validation yet the dispute came back " valid ''. I want reported account removed. 

File Identification Number : XXXX
Product: Credit reporting

On XXXX/XXXX/2014 in XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX denied loan because The Credit Bureau -TransUnion changed my personal information my XXXX name and my mother XXXX name. 
Also in the report see that without my permission on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. They requested my information in The Credit Bureau without my knowledge. I tried to ask that they tell the truth to sent to credit bureau, but they denied to help me. 
Need to check XXXX XXXX, I think that they started the problem in XXXX/XXXX/2014 with XXXX ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX, ( XXXX ) XXXX. I not want see more XXXX in my report.
Product: Money transfer, virtual currency, or money service

I submitted a wire transfer to Ally Bank for XXXX at XXXX XXXX  today and it is XXXX XXXX  and the wire is " under review ''. Their website and representatives said if a wire transfer is submitted before XXXX XXXX  it would be processed by XXXX XXXX the same day. I talked to several supervisors who can not give a reason for the delay nor an estimated time when it will be complete. This wire needs to be completed by end of business day tomorrow for a home closing and if it is not completed we are in breach of contract and will lose the house. This means the funds have to leave Ally and arrive at the destination by XXXX XXXX. If it doesn't we lose tens of thousands of dollars in earnest money and will not have a place to live as we have already sold the home we're currently in. This delay will have a devastating financial and life-impact for our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of Identity Theft since 2020 due to the data breach of XXXX. Since 2020 I've been dealing with countless situation in regard to this matter. I received communication from credit card companies and debt collectors in regard to accounts that were not mine. Due to fear and lack of knowledge of the law, I start making payment, even when I know this accounts were not mine. Now I received legal advice from my lawyer, that guide me to open an Identity Theft Report and send a formal complaint using CFPB. I have been trying to get in contact with the consumer report agencies without success. They are not working diligent in their investigation to solve this problem. As an evidence of the lack of investigation ; I asked Experian to remove an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) that is not mine and they responded that the account was verify. At the same time I asked the issuer of the card to remove the information from my credit report and they send me a letter with this information : " We received a request to remove your name from the account number referenced above. Our records indicated your name is not on the account. '' Clearly, the agencies are not doing a properly investigation, causing me more harm. I called XXXX to report Hard Inquires that were not authorized and they told me that there is anything they can do about that matter. I'm not asking for too much, just to have my consumer report clear of accounts that are not mine. All my correct account are from XXXX XXXX, were I currently live. I have account in local Credit Unions that have been paid accordingly. I didn't apply for credit card in Banks in the USA. This XXXX accounts are from stores that I dont even purchase any goods. Some are too far away from my home that I dont even have visit before. I don't know why the consumer reporting agencies don't have an specialist that can review the accounts and compare all the history to identify that the information reported can be XXXX. I'm tired of dealing with this sittuation and the next steps is going to be a legal one, if this complaint is not process properly.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$1800.00} XXXX XXXXXXXX Balance {$36000.00} XXXX XXXXXXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed incorrect late payment records. These dont reflect my usual payment history. Please make the necessary adjustments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my XXXX sister were hanging out one weekend years ago on XXXX XXXX  my XXXX had our dl & ssc in her purse someone grabbed the purse and in result we have became victims of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EXPERIAN regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe constitute clear violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is 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 XXXXXXXX. Upon reviewing my EXPERIAN credit report, I discovered several accounts that are not only inaccurate but also fraudulent in nature. These accounts were included in my credit file without my knowledge or consent, which directly violates the FCRAs requirement that credit reporting agencies ensure the accuracy and integrity of the information they report.

Specifically, under Section 1681e ( b ) of the FCRA, EXPERIAN has failed to follow reasonable procedures to ensure that the information it reports is accurate. 
Furthermore, under Section 1681c-2 of the FCRA, which mandates the removal of outdated or inaccurate accounts, these fraudulent entries should have been investigated and removed immediately. In addition, the inclusion of these fraudulent accounts also appears to be a violation of FACTA regulations, which safeguard consumers by requiring creditors and credit reporting agencies to adopt accurate and effective identity theft protection procedures. I did not open any of these accounts, nor was I notified about them, indicating a severe lapse in compliance with FACTAs requirements for consumer notification and security. I have already taken steps to address these issues by contacting EXPERIAN directly, submitting a formal dispute, and providing supporting documentation, including my drivers license, Social Security card, proof of address, and FTC report number XXXX. Despite these efforts, EXPERIAN has failed to rectify the inaccuracies or remove the fraudulent accounts from my credit report, which is a clear violation of its obligations under both the FCRA and FACTA. This failure has had a significant negative impact on my creditworthiness and financial stability. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that EXPERIAN promptly removes the fraudulent and inaccurate accounts from my credit report. Furthermore, I request that EXPERIAN provide written confirmation once these corrections have been made. I also ask the CFPB to thoroughly investigate EXPERIAN 's handling of my dispute and ensure its full compliance with FCRA and FACTA regulations.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 reporting

I had submitted documents to Equifax pertaining to an account that had been shown to be antedating to reflect a different first date of delinquency. The account from XXXX is past more than 7 years from the first date of delinquency and Equifax would not correct or did n't perform an adequate investigation from the furnisher who submitted the account to collection not XXXX. The information provided was directly from the furnisher to illustrate the antedate of the account. I would like this to be deleted from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked TRANSUNION to provide Method of verification of a public record bankruptcy and accounts included on my credit report. Ive mailed them several copies of a letter from the Michigan us bankruptcy court stating that they do not report to credit bureaus or third party credit agencies. I also provided a letter from XXXX stating no bankruptcy found. They breaking all FCRA laws and I need your help please to get bankruptcy remove and all accounts included in bankruptcy. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Debt collection

Macys has {$300.00} on my credit report. I never received a notification about this payment until I look at the my credit report. This is a identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around the first of XX/XX/2018, I sent invia mail a dispute of fraudulent accounts to Equifax, XXXX  and XXXX, as I am a victim of identity theft. Despite having all the required documents included I received no response from any of the reporting agencies.Since this time my personal credit has continued to suffer from the accounts disputed and two others : XXXX ( XXXX ), XXXX  ( XXXX ).