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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Student loan

According to the FCRA account # XXXX DEPT OF ED/XXXX Has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the fraud department at Transunion to inform them that there are some inquires on my report that I didn't make. I explained to the rep that I called each creditor and since the inquiry is over 30 days old they can't access the file or give me a letter but the rep insist he couldn't help me and he was a supervisor. I could barely understand him for the strong language barrier and he hung up. Below is a list of credit inquires that I want removed asap from my report since I didn't apply for credit with these companies. 

XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX date XX/XX/XXXX
Product: Debt collection

I recently viewed my credit report and noticed that this company has report that I owe them a debt.
Product: Debt collection

On XXXX/XXXX/17, I submitted a request to XXXX XXXX to validate debt via certified mail XXXX XXXX XXXX XXXX XXXX. I asked that the company provide the following : 1 ) Agreement with your client that grants you the authority to collect on this alleged debt. 2 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3 ) Any insurance claims been made by any creditor regarding this account. 4 ) Any Judgments obtained by any creditor regarding this account. 5 ) Name and address of alleged creditor. 6 ) Name on file of alleged debtor. 7 ) Alleged account number. 8 ) Address on file for alleged debtor. 9 ) Amount of alleged debt. 10 ) Date this alleged debt became payable. 11 ) Date of original charge off or delinquency. 12 ) Verification that this debt was assigned or sold to collector. 13 ) Complete accounting of alleged debt. 14 ) Commission for debt collector if collection efforts are successful. To date, Convergent has not provided me with the requested information. As a matter of fact, the only information that they sent after my request was a copy of a bill.
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. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Vehicle loan or lease

Vehicle was giving back to Chrysler due to recall on vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

Back in Septemeber of 2024 I saw a fraud account and inquirires on file I requested the removal of it as they are fraud but did not recive notification letter not even a call nothing just a complete shut off and my case was never answered I call and some XXXX person XXXX my documents were invalid I had it please help me
Product: Credit card or prepaid card

On Tuesday, XX/XX/XXXX I purchased two tickets through the Chase Travel portal to travel on XXXX XXXX to XXXX, XXXX for XXXX points, equivalent to {$990.00} ( per Chase conversion ). My account was credited immediately. During late XXXX, XXXX, the nation of XXXX effectively closed its borders to international travel. During the same time period, XXXX cancelled my itinerary. On XX/XX/XXXX I used Chase 's COVID-19 cancellation form to submit a request for a refund due to the cancellation. The refund due was for the XXXX points. On XX/XX/XXXX I received an email suggesting that I would receive an airline credit, not a refund. On XX/XX/XXXX, I contacted Chase Travel through their phone system and they rejected my call because I wasn't travelling within 72 hours. On XX/XX/XXXX, I contacted a representative through the Chase online representative tool. I was told that " Based on the policy of the airline, they are offering a future travel credit wherein the new travel must be complete by XX/XX/XXXX. '' I rejected that offer and cited the XXXX policy that states that " If you decide to end your trip as a result of a canceled flight, you're entitled to a refund of the cost of your unused flight ticket. If you booked through a travel agency, please contact them for a refund. ''XX/XX/XXXX /XX/XX/XXXX. I also referenced the U.S. Department of Transportation Enforcement Notice issued XX/XX/XXXX that states that " passengers should be refunded promptly when their scheduled flights are cancelled or significantly delayed. '' The representative ( going by the name " XXXX XXXX '' ) stated that " I already check the policy of the ticket and I understand that you are dissatisfied with receiving a credit with an airline vs. a full refund. Weve worked incredibly hard to push our partners to provide travelers with as much flexibility as possible due to COVID-19, particularly for flights that are ordinarily non-refundable or limited any changes. We recognize that an airline credit may not be what you were looking for, but know that these are extraordinary circumstances that travel partners are trying to work through. We are still bound by the terms and conditions of airlines and this is the only option that they are providing at this time. '' I continued to reiterate that per XXXX policy and the DoT enforcement action, I would like to submit a claim for a full refund of my points. The Chase Representative continued to state that the airline credit was the only option. The Chase Representative said that they could not be contacted directly and that I was placed in a queue to be contacted by a supervisor. I continued to state that my issue was not resolved and that the representative continue to help me resolve the issue. The Representative ended our chat without resolution. At the time of this complaint, I have not been contacted by a supervisor and the points have not be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Navy Federal Credit Union around XX/XX/2018 in regards of a car that was paid for by GAP insurance. The loan amount shows paid in full but shows up as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting all three credit reporting bureaus to Delete the following Names, Addresses and Employers from my credit report since XX/XX/XXXX and since then all three credit bureaus have failed to honor my requests without any form of correspondence. I am listing the Names, Addresses & Employers needing to be DELETED below. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX and XXXX XXXX XXXX were my XXXX XXXX XXXXXXXX technician contractors. They opened and used numerous accounts without my authorization. I notified the creditors. I was told to provide information that i don '' t have and I was also told because it is over 60 days that I am responsible. I provided with copies of the police reports. Instead, they kept selling them to different buyers. I need your help.

i requested them for the original contract with my signature, the complete information of the original creditor, the payments history and itemizes bills, and proof of ownership. Proof that it was permanently deleted out of all credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX  XXXX XXXX that was late and I used a federal home loan modification program to refinance with XXXX XXXX XXXX XXXX. I have never been late with the XXXX XXXX XXXX XXXX mortgage. My XXXX  report shows that I have been on time but Equifax and XXXX  show that I have been late. I have disputed this various times with the credit bureaus and bank. They say that the late payments are valid even though they are not. This serious delinquency has prevented me from qualifying for a personal line of credit and credit card even though I have been on time since I refinanced 5 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Account Balance : {$32000.00} ; XXXX XXXX XXXX Account Balance : {$32000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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, credit repair services, or other personal consumer reports

Identity Theft & Fraud, that was never blocked, these accounts were joint accounts with my husband, on my account. Duplication accounts, Inaccurate accounts. Account Information incorrect, on loan balance, payment amount.
Product: Checking or savings account

I had a good standing account with chase in XXXX, The account was closed without clause with a balance of over {$5000.00}. The bank stated that my account was under investigation due to my account balance being over a usual limit. I was unsure as to what that meant at that time. I went into to speak to a banker about the matter, the banker tried to look into the issue and was puzzled due to the fact that my account was in good standing for over two yers and was unsure as to why all of a sudden my account was closed with a positive amount current. 

The bank then sent me a check after 60 days of waiting without any access to my funds and proceeded to close the account. I asked if I could reopen an account and I was told no over the phone and in person because I was not the type of customer CHASE wanted to be associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is being damaged for unknown reasons, I am the creditor not the debtor I know that my autograph is the credit not the SSN that is my public office and I am the beneficiary to that SSN
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is inaccurate. All 3 credit bureaus is reporting different things and I have no knowledge of account or reporting. Please DELETE as XXXX  has already done so!
Product: Debt collection

The account was opened on XX/XX/2012. The debt collector states that i owe {$150.00}. I do not owe this debt. This has caused a negative mark on my report.I tried to contact the company numerous times to show me proof but no replies. Please remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  account number 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, credit repair services, or other personal consumer reports

On XX/XX/2019 PayPal did a hard credit pull on my credit. This is the second time they have done this without my permission. Even after being contacted last time and asking for them to remove it.
Product: Credit reporting or other personal consumer reports

I trust this email finds you well. I am reaching out once again regarding the unresolved issues with my credit report. 

Despite numerous previous attempts and communications, the necessary corrections have not been made. The late open account and charge-off account continue to affect my credit history negatively, leading to potential financial repercussions. 

I urge you to prioritize this matter and take immediate action to rectify these inaccuracies. It is crucial to ensure the accuracy of my credit report to maintain my financial integrity and credibility. 

I kindly request regular updates on the progress of the corrections and removals. Additionally, I seek confirmation once the necessary actions have been successfully completed. With this, I am asking for your assistance to remove or correct these accounts in my credit file : XXXX XXXX Balance Owed : {$4300.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 
XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Debt collection

I received a letter from " XXXX XXXX XXXX '', dated XX/XX/XXXX, stating " We are trying to collect on your Comenity Capital Bank debt that you now owe to XXXX. We will use any information you give us to help collect debt ''. They further stated in the letter, " On XX/XX/XXXX, your account was sold to XXXX XXXX XXXX XXXX XXXX, which is now the sole owner of the debt ''. 

This is extremely concerning to me as this is not my debt and I am in no way responsible for paying this. What is more concerning is that they have my address on file to send me this collection letter. I am confused how this company has my address in the first place. Additionally, the name on the front of the letter and the name that is used throughout the contents of the letter is the incorrect spelling of my name. I am not sure if this is fraudulent but I believe XXXX XXXX XXXX is utilizing extremely predatory tactics to collect this debt that does not even belong to me. I consistently check my credit using XXXX  and XXXX XXXX  as well. XXXX, XXXX, and XXXX does not show any opened accounts with this information, or any accounts in default for that matter. 

They state that that " As of XX/XX/XXXX, you owed {$330.00} ''. They state I had a " COMENITY CAPITAL BANK XXXX '' account and that it has been in default since XX/XX/XXXX. It also states that the last payment date was : XX/XX/XXXX and the account was charged off on XX/XX/XXXX. 

The letter states : " Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 

I do not feel comfortable contacting this company on my own as I do not want to give them any more information than they already have. This issue is extremely pressing as they have given me until XX/XX/XXXX to respond or they will assume that they information they have is correct. If you have any questions please do not hesitate to reach out to me via phone or email to get this issue resolved promptly. 

Below I will list off contact info they have listed in the letter : Email : XXXX XXXX : XXXX Send payments to : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX " Send disputes or an instrument tendered as full satisfaction of a debt to : Attn : Consumer Support Services XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, MI XXXX You may also call : XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice of default and opportunity to cure. 
Official statement from XXXX XXXX XXXX to XXXX XXXX and Experian credit services This is a follow up and legal document in pursuit of lawsuit versus XXXX XXXX and Experian credit services. 
All companies were notified in the month of XXXX XXXX XXXX XXXX XXXX and XXXX Of fraudulent accounts reporting on the credit profile for XXXX XXXX XXXX. The following account XXXXXXXX XXXX late payment, tally XXXX and XXXX XXXX was all fraudulent reported as of today, the only company that has removed some of the accounts is XXXX XXXX, they have removed all accounts except for XXXXXXXX and XXXX. 
XXXX and Experian have refused to remove all fraudulent accounts. 
The consumer XXXX XXXX XXXX has been forced to move Forward with legal action this is a notice for evidence and an opportunity to cure. 
All agencies and companies have 14 days to remove the fraudulent accounts from the credit profile of XXXX XXXX, XXXX or comply with legal action. 
Please be aware that All credit agencies Has failed to properly respond to previous legal notice and it's officially in commercial default. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX
Product: Credit reporting or other personal consumer reports

Formal dispute regarding inaccurate information on my credit report I am writing to dispute inaccurate information on my report that is harming my financial situation. I am aware of my rights under the Fair Credit reporting act and requesting a thorough investigation into these inaccuracies as required by federal law CFPB recently filed a lawsuit against Experian for its failure to properly investigate consumer complaints, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly Reinserting previously disputed and inaccurate information without explanation Failure to notify consumers about investigations results effectively
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Equifax has confirmed that my personal information has likely been leaked, along with millions of others via their website http : XXXX They have mishandled my information causing a potential identity theft situation. This needs to be resolved.
Product: Debt collection

I received a debt collection from I.C. System, inc saying that I am {$130.00} in debt from XXXXXXXX XXXX XXXX Last I was in there was no balance due and I have checked my emails to see if there was any communication of this debt prior to sending it to collections and there was none. So I went to my account payment history and all categories for the past 7 months ( the time Ive been of their services ) have been paid on time. Same with my bank account history. I reached out to XXXX to resolve this issue as Im assuming that it is most likely a mix up and somebody elses balance but have received no response. I have also tried to dispute it with the debt collector and received no response.