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

My dispute is with Transunion only who seems to be the only credit bureau inaccurately reporting on my credit report. On XX/XX/2022 I submitted a dispute to validate and verify this collection account, XXXX XXXXXXXX XXXX, for it was an account I did not recognize. Dispute results came back on XX/XX/2022 with no corrections made and continues to reflect on my credit report. First, I do not believe TransUnion maintained reasonable procedures to assure maximum possible accuracy in my credit report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. In addition to disputing the validity of this collection account, TransUnion is reporting this collection account as an " OPEN ACCOUNT '' which is not under FRCA compliance. 
I would appreciate if this matter be investigated further.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and transunion are all violating 15 U.S code subsection 1681 s-2 responsibilities of furnishers of information to consumers reporting agency. I continue to reach out via certified mail requesting that the errors and these companies are in complete knowledge of the errors yet are still reporting even though there is reasonable cause to believe that the information is inaccurate. They are not reinvestigating the accounts only. Theirs errors in the address in all these accounts, they have not even been update properly as having errors on the report. This has harmed me being able to sustain everyday life and obtain the household valuation needed based of the damage that this is doing to the overall consumer credit report
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate reporting of late payments on my mortgage account with XXXX XXXX XXXX. Despite consistently making my payments on time, my credit report incorrectly reflects XXXX and XXXX late marks. This error has unfairly damaged my credit standing. 

These late marks violate my rights under the FCRA and TILA. Specifically, FCRA Section 604 ( 15 USC 1681b ) requires credit bureaus and creditors to ensure reported information is accurate and verifiable. FCRA Section 611 ( 15 USC 1681i ) allows me to dispute inaccuracies, yet these errors persist. FCRA Section 623 ( 15 USC 1681s-2 ) obligates creditors to ensure only correct and updated information is reported. Lastly, TILA 15 USC 1637 ( c ) ( 1 ) requires proper notification at least 21 days before a payment is due, and I never received such notice.
Product: Credit reporting or other personal consumer reports

I sent letters to the credit bureaus more than 35 days ago, along with my FTC report, highlighting inaccurate and invalid information. However, I have not witnessed any removals or corrections on my credit report since then. 

This situation is a clear violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking your support in ensuring the prompt removal and correction of these inaccuracies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  DC XXXX

Dear, CPFB
I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code  1681b In general. Subject to subsection (e), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:
(F) otherwise has a legitimate business need for the information (i) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code  1681i, Paragraph (5) Treatment of Inaccurate or Unverifiable Information (A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall- (i) promptly delete

The following inquiries are unauthorized: on *Experian Report*
Creditor: JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion did not provide a proper reinvestigation into this account : Account Name : XXXX XXXX XXXX Account Number : XXXX I have been provided with computer generated information claiming to be verified after reinvestigation. I submitted complaint XXXX on XX/XX/XXXX requesting a description of the reinvestigation and they did not provide it, which is a violation of 15 USC 168i ( 7 ). I did not receive description of the reinvestigation. 

Also withing the report, there are still inaccuracies. According to 15 U.S. Code 1681e ( b ) - Compliance procedures, " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' TransUnion is blatantly reporting inaccuracies of the account above with the following examples : Inaccurate payment status : XXXX and XX/XX/XXXX are Both showing 30 days late, this is not mathematically possible. XXXX, XXXX, and XX/XX/XXXX are all showing 30 days late, again this is not possible. On XX/XX/XXXX, a C/O ( charge off ) status is reported, the very next several months of XXXX, XXXX, XXXX, XXXX of XXXX there is MISSING data. Beginning XX/XX/XXXX, a C/O is reported AGAIN, so now there is the re-aging of this account with is illegal. 

These inaccuracies are misleading and shows no confidence in the reporting of this account, and is detrimental to my credit worthiness. Please delete this inaccurate-filled account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this letter in a 3rd attempt to inform you my identification has been fraudulently compromise. throughout the years. There have been many accounts opened under my name, that Ive confirmed and reported as identity theft. Please remove this fraudulently account immediately ; that has been fraudulently compromised : Bankruptcy : Dismissed CH-XXXX XX/XX/2013 - XXXX US DIST CT
Product: Credit card or prepaid card

Made a XXXX payment Payment was for XXXX and XXXX They failed to apply it for XXXX Citi is refusing to fix it Citi Told me they called to XXXX and couldnt find my phone call Citi decided to stick with their XXXX lai And jerk me around toy with me Refuse to take the fees off Refuse to do anything Disregard everything I said And only stick with phone call to XXXX I will take them to court The court needs physical address For serving the court paper Not p o box address Citi refuses to give me a physical Address They say they dont have physical address Only p o box Big XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft I have not authorized no one to open a Bank XXXX XXXX credit card with my name or my personal information this account was open on XX/XX/XXXX fraudulent amount {$2500.00}. 

this fraudulent account XXXX XXXXXXXX XXXX XXXX bank XX/XX/XXXX {$640.00} this account are fraud open by open by someone who stolen my identity.
Product: Credit card or prepaid card

I paid off the statement balance for my Chase Slate account on XX/XX/XXXX in the amount of {$3000.00} due to the high interest rate. I paid off the statement balance after receiving a debt consolidation loan. 

I then received a letter on XX/XX/XXXX notifying me that my credit limit would be decreased from {$3200.00} to {$500.00} based on a " credit review ''. 

I contacted the credit account on XX/XX/XXXX and they offered to do another credit review, resulting in a hard inquiry, to determine if the credit limit could be restored. Why are you offering to pull a credit report if you claimed to have already performed a credit review? Or are you punishing me with a lower credit limit because you won't be able to collect any more high interest payments now that the balance was paid in full? 

Although my credit utilization rates are high, they have not changed within the past 6 months to 1 year. If the " credit review '' revealed that my credit utilization rates were not favorable, why wait until the balance is paid off to lower the credit limit? 
Making better financial decisions should not affect credit worthiness. 

I've been a loyal customer since XXXX and have made all of my payments on time. I was planning on still using the card to keep it active, now I'm debating closing it because of the poor customer service and business practices. Disgusted
Product: Debt collection

XXXX contacted collection agency called One Advantage, LLC and advised them that I do not owe anything on # XXXX {$650.00}. I contacted One Advantage, LLC and requested from them a closed paid in full letter noting that I am not responsible or do not have a pending open balance.
Product: Credit reporting or other personal consumer reports

I am failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C, S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX : I sent letters via certified mail to XXXX, Equifax And XXXX notifying each credit bureau of the inaccuracies, inquiries and collections on my credit report. In the letters sent to each credit bureau, i requested that all inaccuracies, inquiries and collections be removed off my credit report. I also attached an identity theft report that i filed with the Federal Trade Commission ( FTC ) on XX/XX/XXXX along with a copy of my drivers license, social security card and utility bill. 

Personal Statement : Upon reviewing my credit report, I have discovered several collections that do not belong to me, as well as numerous inaccuracies. I believe that these actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and have significant implications under various historical legislations.

The FDCPA, enacted in 1977, is designed to protect consumers from abusive and unfair debt collection practices. It establishes guidelines for debt collectors and prohibits actions such as harassment, misrepresentation, and the use of deceptive practices. The collections listed on my credit report violate these provisions, as they are not associated with any debts I have incurred. 

Furthermore, I would like to bring attention to the Emergency Banking Act of 1933, which was enacted during the XXXX XXXX. This act aimed to stabilize the banking system and restore public confidence in financial institutions. It granted the President the authority to regulate banking transactions and temporarily close insolvent banks. The fraudulent collections on my credit report indicate a breach of this act, as they involve unauthorized transactions that have affected my financial stability. 

In addition, House XXXX XXXX XXXX, passed in XXXX, is relevant to my case. This resolution suspended the gold standard and established a system of XXXX currency in the United States. It recognized the importance of maintaining the stability of the monetary system and protecting individuals from fraudulent financial activities. The unauthorized collections on my credit report undermine the principles outlined in this resolution, as they have caused financial harm and disrupted my economic well-being. 

Lastly, I would like to highlight The 1933 Gold Repeal Act, which nullified the right of individuals to own gold and required them to surrender it to the government. This act aimed to stabilize the economy during the XXXX XXXX. The fraudulent collections on my credit report represent a violation of this act, as they have caused financial harm and disrupted my economic stability. 

In light of the aforementioned violations of the FDCPA, the Emergency Banking Act of 1933, House Joint Resolution 192, and The 1933 Gold Repeal Act, I kindly request your assistance in investigating this matter thoroughly. I am prepared to provide any necessary documentation and cooperate fully with your agency to rectify this situation. Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this identity theft issue and restoring my financial integrity.
Product: Credit reporting or other personal consumer reports

XX/XX/year> the company ( s ) were in negligent non-compliance with 15 usc 1681b with XXXX accounts XXXX XXXX and XXXX XXXX XXXX which are actually subsidiaries posing as separate entities both pulling hard inquires without permissible purpose which makes the companies civilly liable under 15 usc 1692k for Monetary relief XXXX per violation
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this SOS GROUP ( Original Creditor Name XX/XX/XXXXXXXX XXXX ) was reporting to be negative on XXXX Credit Bureau. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) Opened XXXX. XX/XX/XXXX Balance {$1100.00}
Product: Mortgage

Have not received cash from settlement due to failure to modify loan after they received payment from federal government to provide modification.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports from all three major credit bureaus and discovered significant inaccuracies. Experian has an incorrect Social Security number listed for me, which, upon further investigation, appears to have been incorrect for a long time. XXXX and XXXX are also reporting inaccurate information, including debts that do not belong to me. 

I have already sent proof of my correct Social Security number, along with evidence that the addresses, phone numbers, and debts reported are incorrect. Despite this, the erroneous information remains on my credit reports. This has adversely affected my credit score and has led to denials of credit. 

I urgently need your assistance to rectify these issues and to conduct a thorough investigation. I have also placed an identity theft notice with the IRS. It is critical that all incorrect data be removed from my credit reports and that accurate information is reported promptly. 

If this matter is not resolved swiftly, I will consider seeking legal counsel and pursuing further action against all three credit reporting agencies.
Product: Debt collection

Was emailed about a {$2200.00} debt owed to this company that I am unaware of. I never applied for loan via XXXX. Was told it was applied for online.
Product: Credit reporting or other personal consumer reports

I have been reviewing my credit report and noticed several inaccuracies and incomplete information, specifically concerning the account with XXXX XXXX XXXX. On XX/XX/XXXX, this account was removed from my TransUnion credit report, only to be re-added the following day, XX/XX/XXXX. This action is a direct violation of 15 U.S.C. 1681i ( 5 ) ( B ) ( 2 ) ( 3 ).

Furthermore, I am deeply concerned that TransUnion has failed to fulfill its obligation to ensure maximum possible accuracy in reporting this account, as mandated by 15 U.S.C. 1681e ( b ). I have disputed this account multiple times, including filing identity theft reports with both the FTC and CFPB, yet the issue remains unresolved. 

This continued inaccurate reporting not only violates the Fair Credit Reporting Act but also infringes upon my rights under The Privacy Act of 1974 ( 5 U.S.C. 552a ). I demand that XXXX XXXX XXXX be permanently deleted from my credit report immediately to rectify this situation. 

Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates. 
Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ", I AM EXERCISING MY RIGHT TO OPT OUT OF XXXX XXXX XXXX FURNISHING OF INFORMATION TO MY TRANSUNION, XXXX AND XXXX XXXX REPORT. ANY AND ALL CONSENT WHETHER IT BE VERBAL, NON-VERBAL, WRITTEN, IMPLIED OR OTHERWISE IS NOW REVOKED ONCE THIS COMPLAINT IS RECEIVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I financed a XXXX  XXXX XXXX from XXXX in XXXX. I traded in my XXXX XXXXXXXX XXXX XXXX and after transaction was complete I asked what to do about further XXXX  payments so it would not hit my credit as late and XXXX told me no worries we will handle that just take it off autopay so they will not charge you. 2 months later I had a late payment on my credit for the XXXX. I texted them and XXXX said it was paid off in XXXX and the credit report would update to never late at some point. I disputed the late payment with Capital One through XXXX XXXX and was told they wouldnt remove it for some reason?? On top of all of that XXXX did in house financing through XXXX XXXX and hit me with another late payment on my XXXX in XXXX even though I have email receipt from XXXX XXXX with the correct payment date on it never being late and asked them to fix that as well over their online app chat and was told to basically go XXXX myself. This company is destroying my credit on top of the fact the XXXX I got is a lemon vehicle so literally all I want is the late payments deleted so I can go back to my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX  university XXXX. XXXX and passed but XXXX took the teachers out at the end they never came back so I didnt get my degree, however I attended XXXX XXXX XXXX XXXX in XXXX they are charging me for a grant on my credit report there are two charges from XXXX XXXX college I spoke with the financial aid building and wrote them from XXXX im XXXX and put said loan in forbearance and deferment but expirian or XXXX XXXX XXXX are say I owe a different ammount then what I owe I didnt think Pell grants had to be paid back. Ive been try to get a car because the dealer ships all started calling me but then then deny me. While trying to fix my credit I paid expirian and they didnt help me. So I contacted XXXX XXXX  and paid them nothing has happened and I only just found out that during the years I was in XXXXn I was victim of identity theaft my taxes were ran for some of the jobs that I was on and I never got the money and I did not file those returns. Also mortgage loans were taken out in my name but they wont show them to me go over them with me or if it try to refute them them happens my own bank XXXX XXXX wont help me add my electric bill or fines Ive paid for years to my account to raise my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

The following was sent and received by reporting company Equifax. 
This item was removed but then showed up again on my credit report. 

This is illegal. 

To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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 with the consumer to whom it relates. 
I, XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. 
A copy of the law attached with this a dispute letter concerning the account listed below, as a consumer, I am demanding a deletion of this account below : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/2014 some one fraudulently obtained a checking account in my name I never gave no one permission nor have I ever did business with this bank before