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

Transunion has had several glitched in XXXX and XXXX in which caused inquiries to be deleted. Transunion later added the inquiries back without giving the legal required written notice of 5 days prior to them re-adding them. I have contacted Transunion in good faith to ask delete the inquiries that they illegally readded. I spoke to US representatives on XX/XX/XXXX and XX/XX/XXXX. Transunion has violated my rights and is causing a hardship with the re-additions. I ask that if you ( CFPB ) can help Transunion stop victimizing me.
Product: Credit reporting or other personal consumer reports

The Following Inquiries Where Not Authorized By Me. 
XXXX XXXX BANK XXXX, XXXX XXXX, XXXX, XXXX XXXX AUTO, XX/XX/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 ( Bank ), XX/XX/XXXX XXXX XXXX XXXX XXXX ), XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ), XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ), XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XX/XX/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, XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inquiries made by your company that I do not recall authorizing. As I understand, such inquiries should not appear on my credit file without my explicit consent. 
XXXX MORTGAGE XX/XX/2023 XXXX  XXXX MOR XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX BANK XX/XX/2023 XXXX XXXX XXXXI XX/XX/2023 XXXX MORTGAGE XX/XX/2023 XXXX CARD XX/XX/2023XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit dispute to XXXX regarding some negative accounts on my credit report on XXXX XXXX. I received an email stating that my results were available. After looking over my results nothing had changed and there was no information given to me on how they came to the information on my report being verified. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL 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 relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting

I disputed XXXX accounts XXXX XXXX XXXX stating, " I am no longer responsible for the XXXX accounts ''. Experian did not complete thourough investigation to know that the accounts were dismissed in XXXX XXXX County Civil Court. In addition, the company agreed to remove all entries related to XXXX XXXX XXXX XXXX accounts. I will provide the court document and letter from XXXX XXXX XXXX. Please look into this matter.
Product: Credit reporting or other personal consumer reports

Equifax- Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX Incorrect DOB XXXX - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion- Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX 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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This account was opened without my knowledge. I was in the military stationed in XXXX during the occurrence of the account being opened. I have no best buy credit card nor do i shop at best buy at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint to inform you that the Credit Bureaus neglect to correct these accounts in my credit file, I never been late in paying, so the current status should not be showing late because I paid it on time. Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct them immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct these accounts immediately : US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, 2018 Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, 2018 Balance {$1500.00}.
Product: Credit card

on XX/XX/2016 at XXXX mountain time I went to XXXX and used the ATM to withdraw XXXX dollars. I input all the information that was required to get funds. The ATM went into a mode as if it was going to release the funds. The screen went blank before the money came out. The screen came back on in a red background with error message that ATM was down. I called the American Express Serve and was told I had to file a complaint which could take 10 to 45 days. I contacted the bank and was told they knew about it and since I did not have a account with the bank that they would have to go by my bank. I sent all the information in to dispute the charge and also had the bank manager call in to see if they could expedite this matters. They could n't explain to us how to contact the owner of the ATM and that on XX/XX/2016 will be the next update and that they will then issue a provisional credit. I called in everyday asking that they email the dispute department asking them to give me the contact information to the owner of the ATM so that I can contact them to see if I could get this issues resolved quick. They never contacted me until XX/XX/2016 when I was told in a email that the ATM provider confirmed the funds was dispensed. I called American Express Serve and was told it was closed and that they will only reopen if I can get new information. I called XXXX who the bank said was the contact as owner. I called them and was told they only services them. They did not have the owner information. The video will show that no money came out at the time I made my request. My money was taken and there is no way to get owner information and I have only 10 days to get new information or my money is taken away from me.
Product: Credit card or prepaid card

I received a text from XXXX That reads : Alerts-ChaseREF # XXXX Profile-validation is required : https : XXXX? token
Product: Debt collection

I am writing to formally dispute and request the removal of a collections account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USC 1681-s. 

The collections account in question, associated with DISCOVER BANK, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report. 

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

The collection agency, DISCOVER BANK, has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, DISCOVER BANK has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law. 

I am disputing any ownership of debts to DISCOVER BANK. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt. 
The purchase agreement between myself and the original creditor. 
I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws. 

Sincerely,
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. 
Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. 
Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially contacted the creditors to resolve this debt. I provided all necessary insurance information from both my primary XXXX XXXX XXXX XXXX and secondary XXXX XXXX insurance coverages. I was told that they would take care of it and get back with me the following day. I did not get a call back and assumed that insurance had taken care of the bill. I monitored my credit report updates weekly but did not see the debt resolved. A little over a month later I just decided to pay the debt out of pocket. My credit report has showed a balance due of {$360.00}, however, when I called the Financial Credit Network company I  was told the amount due was {$380.00}. I payed the {$380.00} payment plus the convenience fee of {$4.00}. I feel that this was incorrect information. After payment was made by credit card, I received an email receipt that listed my and my spouses address as incorrect. I dont trust that this information will get posted and cleared up correctly. I was told to wait 90 days to verify that things would correctly post. I think a wait of 90 days to verify this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you as a concerned individual regarding several inquiries that have appeared on my credit report without my authorization. I kindly request that you take immediate action to remove the following unauthorized inquiries from my credit report within four business days : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX and XXXX XXXX specific date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry date XXXX XXXX XXXX XXXX  Additionally, I request that you thoroughly review my credit report and remove any inquiries that are not attached to active accounts. It is essential to maintain the accuracy and integrity of my credit history by removing irrelevant inquiries that may affect my creditworthiness unfairly. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report, including inquiries that are not associated with active accounts. I have enclosed copies of my credit report highlighting the aforementioned unauthorized inquiries for your reference and convenience. I trust that you will thoroughly investigate this matter and take the necessary steps to rectify the situation promptly. 

Furthermore, please provide me with a written confirmation of the removal of both the unauthorized inquiries and the inquiries not attached to active accounts from my credit report. This confirmation should be sent to the address mentioned above or emailed to the provided email address within ten business days of receiving this letter.

Thank you for your immediate attention to this matter. I have faith in your commitment to upholding fair credit reporting practices and trust that you will address this issue in a timely and efficient manner. Your cooperation and prompt response will be greatly appreciated. 

Should you require any additional information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. I look forward to a swift resolution of this matter. 

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

You have really gone so far on disregarding my disputes. AGAIN, this state is unbelievable! Experian and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Experian so the reason of we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraud accounts distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On or about XX/XX/XXXX, My concern is Loan issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX through XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, POOR condition, as if overnight. Lacked Consideration refinancing current Loan amount {$3.00}, XXXX ; had original balance {$15000.00}, to lower existing monthly payments and increase the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays. The loan rate increases and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. Loan issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. 
This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion are furnishing information that is not 100 % accurate and correct. They also are presenting information on behalf of consumers without the direct written consent of the consumer, and that is a violation of permissible purposes. I sent in dispute letters and no one has got back to me, Ive called and they say they are still under investigation.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES , LLC is taking me to court for an account that was sold to them by XXXX XXXX. They are violating multiple 15 USC 1692 sections at this moment.
Product: Credit reporting or other personal consumer reports

N accordance with the fair credit reporting act convergent account # XXXX has violated my rights XXXX XXXX. XXXX section XXXX A. XXXX I have the right to privacy XXXX XXXX. XXXX section XXXX Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I was mislead by Bank of America that I can get a preapproval for a va home loan. Promised they can add my tax exemption to help with my debt to income is. Was denied because they cant add my tax exemption after saying they would. Now instead of getting a 3.375 interest rate and XXXX in closing assist Im stuck in the final stages with a lender charging me a higher interest of 3.750 rate and a estimate of XXXX In Closing cost. Attached is clear proof of my tax exemption that helps my mortgage not be 1/3 over my income on a XXXX loan. I even had preapproval sent to me.Im currently under contact and I had no choice but to pick a lender instead of dispute because I have 10 days to close
Product: Debt collection

I requested debt validation from this company in 2019, no valid documentation was provided, nor any payments were made to this company. I also disputed this with all 3 credit bureaus. Debt was not removed from my credit report. This Collection company ( Portfolio Recovery Services is affecting my credit score, as they keep updating the account, which is illegally re-aging my account, which affects when it will naturally fall off my credit report. They are reporting late payments on my account showing a balance, which is also a violation. 

With everything going on with Covid-19, and in general it is very important that my credit report is correct accurate. I recently sent all 3 credit bureaus new dispute letters to start this process over to get this company removed from my credit reports for unethical practices. 

Thank you in advance for your assistance.