23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you in good health. I am writing to request specific information concerning the method of verification utilized by Trans Union in reporting bankruptcy information. 

Upon recently receiving information from your database indicating a bankruptcy entry on my consumer report, I am seeking clarification regarding the procedures and methods employed by Trans Union to verify and validate such bankruptcy information. 

I kindly ask for the following details : The specific procedures and methods used by Trans Union to verify bankruptcy information.

Any documents or criteria utilized in the verification process.

I recognize the significance of accurate and verified information within consumer reports and am keen to ensure the integrity of the data associated with my profile.

I kindly request your response to this inquiry within 15 days from the date of receipt of this letter. Your cooperation in providing these details is essential in addressing and resolving any discrepancies related to my consumer report.

Should there be any specific forms or additional information required to facilitate this request, please do not hesitate to inform me.

Thank you for your prompt attention to this matter. I appreciate your cooperation in providing the necessary information within the stipulated timeframe.
Product: Student loan

I hope this message finds you well, I am submitting a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report by XXXX, Equifax, and XXXX student loan accounts ; that have been consolidated into the XXXX Department of Education. Upon reviewing my equfax credit report, my report reflects multiple student loan payments listed under separate accounts, despite the fact that my loans were consolidated into one loan. which that one loan Advantage XXXX is NOT even showing on Equifax. how is only one incorrect consolidated there This misrepresentation is Disputed Account Details : XXXX XXXX for XXXX balance owed XXXX date of last activity XX/XX/XXXX date opened XX/XX/XXXX account open For Experian date opened XX/XX/XXXX {$80000.00} date of lat activity XX/XX/XXXX This information is inconsistent and misleading, which negatively impacts my credit standing. There are four extra loans reporting apart when they are in fact included in the XXXX that was billed to me. I listed them along with the other that I hoping late and inaccurate as it was consolidated. To one payment not multiple payments Creditor Name Aidvantage XXXX XXXX payment {$11.00} XXXX XXXX ( should be no payment on this payment ) {$16.00} XXXX XXXX {$33.00} payment XXXX XXXX {$19.00} There can't be payments reported by themselves for this they are included in XXXX Aidvantage loan XXXX I am wondering when this was verified for accuracy none of the Information is showing accurate. And true and It's XXXX misleading. Despite consolidation Amount owed I not accurate amount reported FCRA Violations : Equifax is not complying with the Fair Credit Reporting Act ( FCRA ), According to XXXX XXXXXXXX XXXX XXXXXXXX, data furnishers are required to report accurate and complete information. In this case : 1. The account was transferred/consolidated and should not reflect late payments post-transfer. 2. The payment status contradicts the late payment history, which misleads lenders and affects my creditworthiness. 3. Under FCRA XXXX ( XXXX XXXX. XXXX ), I have the right to dispute any inaccurate or incomplete information, and the credit bureaus must correct or delete inaccurate data within 30 days. This raises serious concerns about their practices and their commitment to adhering to the legal standards set forth under federal law. 
Given these ongoing legal issues, it is imperative that my complaint be taken seriously, as it reflects a broader pattern of potential non-compliance that could affect many consumers.
Product: Credit card or prepaid card

Wayfair and CITI bank have issued a fraudulent credit card in my name. I do not know when but I was first notified of it by mail with a letter from Wayfair dated XX/XX/2022 asking me to confirm, by phone, the application for a credit card. To which I immediately responded, reported the fraud and identity theft and told them NOT to open any account in my name. I have never applied for such a card. It is a fraudulent application. I received a reference code # XXXX, from them but I do not know what that means. 

I never applied for a Wayfair and never received any product or services from them. I now receive monthly invoices for something I never authorized or accepted. Neither CITI Bank nor Wayfair will respond to my requests for all documentation involving this transaction which I am told that under the Fair Credit Reporting Act they are required to provide at no cost. They have reported this fraudulent transaction to the credit bureaus as belonging to me and have defamed my character and credit while harassing me with collection notices and invoices. I am working with XXXX to clear the fraudulent account from my record but Wayfair and Citi are demanding I pay the balance on the closed account. I have copies of multiple USPS certified return receipt requested letters that have been sent to both parties stipulating the fraud and identity theft but the collection harassment continues with them claiming I owe the balance regardless of the fact that I never had any account with Wayfair nor received any goods or services from them.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have old credit card debt that has been re-aged. 2 accounts with Portfolio Recover, 1 with XXXX XXXX, and 2 with XXXX XXXX. All of these debts are over 7 years old, yet dates have been wrongfully updated. Accounts have been closed/charged off for a number of years. No payments, no contact with debt purchasers. All of these accounts have had the dates adjusted by the debt purchaser. Some of these are over 10-12 years old
Product: Student loan

Hello, I am writing to bring to your attention an error on my credit report regarding a XXXX student loan from XXXX. This loan is not mine and appears to be a mistake. 

It first appeared on my credit report XX/XX/XXXX. 

I have attempted to contact the servicer, ECSI, but have not received any response to my emails or calls. The three credit bureaus have also been unresponsive to my requests for assistance in resolving this matter. 

While the amount in question is relatively small, it is still not mine, and I believe this is a case of fraud. I am requesting your assistance in resolving this issue and having the incorrect loan removed from my credit report. 

Thank you for your time and attention to this matter.
Product: Debt collection

On XXXX XXXX I received a collection notification from Credit Collection Services in regards to doing business with XXXX  the amount of {$470.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. FCRA 804 prohibits this company from communication through interstate commerce ( 2 ) not state that such consumer owes any debt ; this is a direct violation under this sub chapter. It clearly states in the Fair Debt Collections Practice Act ( FDCPA ) section 807 ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. I, the consumer gave security interest in principal balance which means the security interest was provided for the individual to secure the obligation. It is according to the provisions and sub chapters of 15 USC 1692d ( 4 ) ( 1 ) to collect or attempt to collect any extension of credit. 15 USC 6802 obligations with respect to disclosure of personal information.
Product: Debt collection

I checked with XXXX before my treatment to verify the costs. They assured me the costs would be the same as they were from my previous healthcare provider. I paid the balace due according to the facility I was receiving treatments each time I went there before my treatment. The only way I knew I owed more than the facility was charging is I checked my patient portal for test results and saw a balnce due. My point is they lied to me before I behan treatment there telling me the costs werte the same. Then after charging me hundreds of dollars witrhout my knowledge or my insurance companies knowledge they send me to collections. The people at the treatment facility told me no one has ever been charged like this before.
Product: Credit reporting or other personal consumer reports

I was paying to have my credit repaired an never received the help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent out a letter to all 3 credit bureaus ( TransUnion, XXXX, XXXX ) about them reporting several inaccurate names and addresses. I received a response from TransUnion on XX/XX/2022 that had an issue date of XX/XX/2022 acknowledging the receipt of my letter but questioning if I had sent the letter or had help. I decided to call of 3 on XX/XX/2022 to request that the incorrect names and addresses be removed. TransUnion said they removed all incorrect names and addresses. XXXX said they removed all incorrect names and addresses. When I called XXXX, I spoke with a representative XXXX stated to me " Though you say that name is not yours it is being reported by a creditor and therefore we can not remove that name. '' I stated, " but it's not my name '' and he reiterated that he can not remove the incorrect name. After going back n forth for 10 minutes I asked if I could speak with his supervisor. He continued to insult me and tell me I don't know my laws and refused to put a supervisor on the phone before asking me to hold and then hanging up after placing me on hold.

According to 15 USC 1681s-2, reporting information that a consumer reporting agency is aware is inaccurate after notice by consumer that the information is inaccurate violates consumer rights and therefore XXXX is not in compliance.
Product: Credit reporting or other personal consumer reports

there are several hard inquiries on my credit report that should not be on my report. mainly from auto finance companies. i have not authorized anyone to run my credit for any purpose let alone for the purpose of purchasing a car. At the time/date of these inquiries that are listed on my report i was not looking to even purchase a car or take out a loan of any kind seeing as my credit score was in the low 600/and or below. 
the following are the inquires listed on my report, and some of them are listed on XXXX and not XXXX. and one or two are on XXXX and not XXXX which also dent make sense. 

The following incorrect inquiries are as follows and are on either all XXXX of the credit bureau 's or at least one of the 3 : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I suddenly started receiving repeated calls first asking for me, then asking for a XXXX XXXX. I am currently in the process of settling accounts that I have in collections. I have nothing under this company called Jefferson capital. Yet they continue to harass me. I told them to stop calling me and they continue. I told them again that I am not XXXX XXXX and to stop calling. And they continue over 5 times a day. They called from XXXX starting at XXXX. XXXX at XXXX, XXXX at XXXX, XXXX at XXXX, XXXX -- XXXX at XXXX, XXXX at XXXX, XXXX at XXXX for today XX/XX/2022. And they're probably still continuing to be calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX/XXXX  XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX/XXXX XXXX  XXXX with no successful resolution. Experian only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX has violate 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: Checking or savings account

I have CD accounts with them since XXXX. My account was password protect. Only bank and I knew. On XX/XX/XXXX someone withdrew {$2000.00} cash and a check for {$40000.00} from my account. I trusted the banking system and never checkout what was going on. When the CD 's matured I let it rollover. When I finally check, I notice CD 's were missing. I been to the Bank 5 times. to clear this matter. Bank manger E-mail the following : XXXX XXXX, Per our several previous conversations, we do not retain information in the branch. I relied on research department to get all the information you requested that given you answers to several of your questionable missing funds that truly is not missing. Our back office also will not have copies from more then 7 years ago, it is member/customer responsibility to maintain information as long as they wish to maintain. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX O : XXXX Ext. XXXX | C : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX PenFed.org I have proof that statement is not true. I believe it was inside job, reason password protected account. Pen fed is not returning my cancel check. I requested several times, after she said they had. Police and FTC was notify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Late payment 15 USC 1681 ( 2xi ) 15 USC 1666b 12 FCT- CFRA 1026.13 Billing Error Resolution Collections : 15 USC 1692c.15 USC 1681 ( e ) b 15 USC 1692g Charge offs:15 USC 1635. 15 USC 1692 Evictions : 15 USC 1637 ( 2 ) 9 ) A 15 USC 1681.15 USC 1681e ( b 15 USC 1681s-2a Contact the bureaus and ask to get a thorough investigation. Due to me being a victim of identity theft, they completely ignore my report I XXXX XXXX XXXX is dispute the denal from XXXX XXXX on code Law 15U.S.C1692 and 12CFR 1002 denial in violation Law credit score on credit based do to Law I XXXX XXXX XXXXs requesting reverse decision on my application I put in on the property management company went through your processing software. 

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

in accordance with the Fair Credit Reporting Act. The list of accounts below have violated my Federally protected consumer rights to privacy and Confidentiality under 15 US 1681. 
Account name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Has Violated my Rights.

15 U.S.C 1681 section 602 A. Stated I have right to Privacy 15 U.S.C 1681 section 604 A section 2. it also states that 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 7 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

I am attaching an FTC report containing 3 fraudulent accounts to be blocked deleted removed under FCRA 605B! I have also listed a inquiry that was done fraudulently to XXXX  XXXX on XX/XX/year> to be removed under FCRA 605B This is not a duplicate as I created a new FTC report to attach here being the last complaint I submitted My drivers license and social security card didnt download in the correct form for you to view it as I know that is important to verify my identity in which I will attach it correctly in this updated complaint!
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
U S DEPT OF EDXXXX, XXXX XXXX {$1800.00}, and account # XXXX.
Product: Checking or savings account

I sold a musical instrument through XXXX XXXX for {$3900.00} on XX/XX/22. Seller sent a check dated XX/XX/22 for {$5900.00} from an account in the name of XXXX XXXX XXXX in XXXX and from a XXXX XXXX XXXX, also in XXXX. He requested that the instrument be delivered by a private courier named XXXX XXXX XXXX from the XXXX XXXX XXXX  in XXXX, IL and asked me to send them ( the courier ) {$1900.00} or the balance of check received to for transport fee. I received and deposited the check on XX/XX/22 and once my bank cleared the check and ( about 3 days ) the funds were in my account, I sent the courier the money via XXXX. Three days later on XX/XX/22, my bank removed the full amount of the deposited check from my account stating that it was altered or fictitious. I contacted the company listed on the check ( who is a legitimate entity ) and they informed me that approximately 10 of their checks were forged/ altered. I reached out to XXXX XXXX via email and asked him to immediately return the funds and he stated that he had already sent the funds elsewhere. Fortunately, I did not release the instrument, but I am out of pocket for {$1900.00} and my bank/ XXXX will not return my money even though I only acted AFTER they initially vetted the check and released the funds into my account. I immediately contacted my bank ( PNC Bank ) to report the fraud and asked them to intercede with the recipient of the XXXX transfer and they informed me that there was nothing they could do. I find this preposterous since I only acted once they fully vetted the check and released the funds to me. To add insult to injury they charged me {$120.00} in bank fees due to a brief overdraft situation and refuse to return them to me. 

I have reported this issue to the FBI XXXX XXXX XXXX XXXX on XX/XX/22 and FTC on XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Capital One account is a business account, but the account shows up on my personal credit report. I asked over the phone to delete the account from my personal credit. They agreed that this should not be on the personal credit report and said they would change it, but they never did for about six months. I only provided the company ID, but somehow they have reported to credit bureaus using my personal SSN. It is Capital One 's fault that this account is reported to credit bureaus as a personal account. 

Capital One account # : XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX, President
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle loan with Navy Federal credit union in XXXX. I've asked them to remove it from my credit many of times. They took money out of my bank account for it too. I NEED Navy Federal credit union to remove this from credit report immediately. And on some credit reports it doesn't show up at all. 

Thank you!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX [ Bank Address ] [ Bank City ], [ Bank State ], [ Bank Zipcode ] NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you have reported a late payment of 30 days on my account.I demand the immediate deletion of this inaccurate late payment from my credit reporting agencies profiles.The fact is that on the date you claimed a late payment was reported on my { XXXX, TransUnion, XXXX ( choose the CRA that the late payment was furnished to ) }, my account was not late.I will not tolerate the willful and continued reporting of false information on my credit profile which clearly violates the Fair Credit Reporting Act 15 USC 1681 a ( 1 ) ( A ) ( i ) Promptly notify the furnisher of the information that the information is inaccurate, and the furnisher of information shall ( I ) conduct an investigation with respect to the disputed information ; As an enforcement mechanism under 15 USC 1681n ( a ) Civil liability for willful noncompliance ( 1 ) In general Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) ( i ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I have the right to sue, and I will seek full compensation for all damages caused by your companies willful noncompliance and failure to correct this inaccurate reporting of my payment history.Delete this inaccurate late payment from my consumer reporting agency profiles immediately.Sincerely,