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

My closing date for the XXXX XXXX  credit card is allegedly the XXXX of the month. However, according to XXXX  the last time my account was updated was XX/XX/XXXX. It states my babalnce is {$470.00}. Additionally, a replacement card ( that was ordered do to a fraudulent charge ) that never arrived at my house is listed on the account. I paid the balance off in full on XX/XX/XXXX. My account should have been updated by now, XX/XX/XXXX. I spoke to a supervisor, XXXX who stated she could not or would not correct the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX lists a charged off credit card account with SYNC/B Lowes reporting late every month, in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX accounts XXXX, XXXX and 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 an account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I requested method of verification from XXXX XX/XX/22 and they have failed to comply with the 15 day limitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have XXXXcomplained times. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 87 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX
Product: Checking or savings account

On XX/XX/year>, XXXX allowed Alliant Credit Union to withdraw {$1000.00} from my checking account. This is despite the fact that I have absolutely no relationship with Alliant. I filed a complaint with XXXX and the money was replaced after month. ( Calls to Alliant were unsuccessful and I was told they would only deal with my financial institution ). I have called XXXX 8 times to find out how they allowed Alliant to steal {$1000.00} from my account with no authorization and, to date, have had no response whether this was fraud by the Credit Union or the Bank or a horrible mistake. In my mind it is unconscionable that a Bank should allow another institution to steal money from a client without the Credit Union determining its validity. Since XXXX refuses to tell me any reason for this activity, I am appealing to your institution to help me. I would like to know how Alliant stole this money, kept it, and refused to answer any of my questions about the transactions. 
Thank you
Product: Credit reporting or other personal consumer reports

I am Not liable for these accounts listed XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Theses account are Fraudulent. 

FTC Report Attached.
Product: Credit card or prepaid card

There were several refunds on my account so I had a negative balance due. Without my permission or noticing me, the credit card company refunded the balance of {$1000.00} to me on XXXX XXXX 2021, but I never received the refund check. I called them many times to resolve the issue, but each time they said it is under investigation. The case number they gave me is XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX XXXX
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, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Inquired on XX/XX/2022 2022
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Credit reporting

I contacted Equifax online and by phone to obtain a copy of my credit report. I was able to obtain my credit score without a problem. However, there was no place on the web site to order a FREE credit report, and when I called them, the Equifax representative said they could not mail me a free credit report unless I paid for it. I checked the CFPB website and learned that, per the regulation, I should be able to obtain a free full credit report.
Product: Credit reporting or other personal consumer reports

According to FCRA section 05B, it is illegal to report information on my credit report without my permission. Please remove from my credit report. Equifax and XXXX have not done a proper investigation of my disputes for these collection accounts. XXXX has investigated these accounts and deleted them from my credit report. 

Account name-XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number-XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX MA XXXX balance- {$200.00}
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Request for Immediate Correction of Inaccurate Account Information ACCOUNT XXXX XXXX XXXX XXXX  XXXX Dear Experian, I am writing to formally notify you that you are in violation of the Fair Credit Reporting Act ( FCRA ) for failing to conduct a proper investigation into my dispute and continuing to report inaccurate information on my credit report. 

Attached is a copy of the legal notice sent to XXXX XXXX  regarding this matter. If Experian does not remove the inaccurate account information from my credit report based on the evidence I have provided, I will proceed with filing a lawsuit against Experian for non-compliance with the FCRA. 
reporting inaccurate late payment and missing data Specifically, you are in violation of the following sections of the FCRA : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. 
Please address this issue promptly to avoid further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX DOB : XXXX SSNXXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX  XXXX - account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

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

This account was disputed with all 3 Bureaus at the same time. It could not be verified. Therefore the account was removed from XXXX and XXXX. Its still continuing to show on Equifax. Im very sure they use the same methods and systems so how was Equifax able to verify an account when the other 2 could not and no documentation showing that it could be verified. And Im certainly sure its against the law to re-age an account.
Product: Checking or savings account

I made a purchase of two first class tickets on XXXX XXXX on or around XX/XX/XXXX. XXXX  was unable to accommodate a pet in cabin on one of the flights. Cancelled the tickets within 1 hour of booking the flight for a full refund ( XXXX XXXX  ). Was instructed that refund would be processed 4-8 weeks after. ( Against USA law- funds must be refunded within 7 days. ) On or around XX/XX/XXXX, I filed a dispute with my bank at PNC. I have been in constant communication with the airline and my bank trying to locate my funds. On or around XX/XX/XXXX at about XXXX central, I spoke with a female voiced representative requesting expediting the my disputes due to fear that the airline was preparing to file for bankruptcy. The agent placed me on hold for several minutes and returned to the call saying that she spoke with the back office and the merchant agreed to release the funds. I would see the refund deposited into my account in about 2 days. Spoke with a representative XX/XX/XXXX and he told me that there are no notes regarding my conversation with the previous rep and that the cases are still open. Spoke with an escalated manager XX/XX/XXXX and called me without reviewing the phone conversation with their representative. Case assigned to a miss XXXX # XXXX. I would like my refund deposited to my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP! I FEEL HELPLESSLY TAKEN ADVANTAGE OF, BULLIED & MANIPULATED BY TRANSUNION! 

I currently have new information regarding two CFPB complaints ; # XXXX and # XXXX, in which TransUnion and XXXX are taken advantage of me as a consumer and breaking protection laws. TransUnion is allowing this fraudulent account to report on my consumer credit report although I have submitted my FTC Report, ID and social security card as proof that this account is fraudulent. I have submitted all of those attachments and evidence of TransUnion 's criminal activity. 

I have called on the phone and submitted many disputes since XX/XX/2021, TRANSUNION IS REFUSING to completely remove this account. Instead they are updating it. Fraud is fraud and TransUnion is perpetuating this fraud by continuing to report it. 

I SUBMITTED MY FTC IDENTITY THEFT REPORT ALMOST 2 MONTHS AGO.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX  XXXX XXXX # XXXX Account Name XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 24 active hard inquiries to my Transunion report. I am an identity theft victim and Transunion keeps lying to me and telling me I can not dispute the extremely large number of fraudulent inquiries. I called once again tonight on XX/XX/19 and was hung up on after verifying my information multiple times and blocked from speaking with the fraud department like I asked for. For the third time, I am submitting my police report and screenshot of 24 hard inquiries, most of which are fraudulent, to Transunion and asking for the correction to be made.
Product: Credit card or prepaid card

On XX/XX/2022 - received a notice from Synchrony Bank that they had decreased my credit limit on my XXXX  XXXX XXXX account ending in XXXX although my account is current on payments. I have not had an issue paying on this account or the account I had previous to this one. The letter states that the decision is due to a delinquent or derogatory real-estate account which is CURRENT and has absolutely nothing to do with paying XXXX  XXXX XXXX. I have not asked for an increase on this account therefore Synchrony should not be running my credit report in the XXXX place. 
Like many during the pandemic, I ensured that all my bills stayed current and paid my bills even if the minimum was all I had to pay. By decreasing my credit limit not once but twice, Synchrony is causing my credit score and my credit card utilization to decrease due to the account being at the limit and not where it should be within the original credit limit of XXXX. There was absolutely no reason to decrease my original limit the XXXX time, yet I made no complaint ( I forgot and missed my due date once but paid immediately as soon as I realized what I had done ), but to decrease my limit again especially for an account holder who is paying on time and with a current account status is outrageous! The main concern should be that my account status is and has been current since I opened this account and there should be no reason to view my credit report unless I request a credit increase therefore giving Synchrony permission to do so. My account with Synchrony Bank is not past due, has never been delinquent and all credit criteria should be based on this status and no other
Product: Credit reporting or other personal consumer reports

I disputed 2 items on my credit report ( XXXX XXXX XXXX, XXXX XXXX XXXX ) with Transunion due to inaccurate reporting. I sent a dispute letter on XX/XX/2024 as well as a CFPB complaint. Transunion responded to CFPB complaint ID XXXX stating that the items were verified. I am having a hard time believing the aforementioned accounts were verified because XXXX has since deleted the accounts from my credit report due to false and misleading information. Furthermore, the reporting of the date last active is not correct. I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. I have attached the dispute letter which is dated and time stamped.
Product: Debt collection

Not sure whats going on here but this company XXXX XXXX believes I owe them funds ..this is fraud! And is the result of reporting on my credit file. 
{$810.00} Open XX/XX/15 Account # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I made an online payment from my XXXX checking to pay my loan from American Express for {$800.00} on XX/XX/2023. Please see the attached that has information such as XXXX account number, File transmission date, trace number, and transaction ID.
Product: Debt collection

On XX/XX/2020 a debt validation letter was mailed to XXXX in regards to an account # XXXX. Letter received dated XX/XX/2020. A copy of the original consumer signed contract was requested, A calculation of the balance, documentation that shows this debt was agreed to be paid & a copy of state license & license #. A letter was also mailed to Calvary Portfolio Service. No where in their response was any of this information provided. I am demanded to see the original consumer signed contract immediately.
Product: Student loan

I have been contacting Navient for over XXXX week to obtain a School Misconduct Discharge Application. I have requested an application by both mail and e-mail, Navient has refused to send me the application by stating their 'systems are down and can not access the application. ' I sent Navient an email to request an application, however they said it would take XXXX hours to receive the application. I have not received the application since Navient 's correspondence. The application that I am requesting is similar to the Borrowers Defense Application for Federal Student Loans. My current student loan status is delinquent and instead of Navient helping me find a solution by discharging my student loans, they only inquire about payment. Please help me obtain the School Misconduct Discharge Application from Navient, as they are the only ones who can send it to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.
Product: Credit reporting or other personal consumer reports

A Parent Plus Loan application and credit inquiry were submitted without my permission. The two colleges my children attend and the Dept of Education deny utilizing my social security number and submitting an application for a loan without my permission. I have contacted Federal Student Aid and the Dept of Education Inspector General on multiple occasions since that occurred and was told that they are unaware of who is responsible for this federal crime. The agency that appears on my credit report on XX/XX/23 is the Dept of Education and I received a letter that my loan application was denied. This has adversely affected me because I had approved loan applications on file with both colleges and someone submitted another application that was denied which caused the previous application to be rejected. I am now being asked to pay for over {$30000.00} in educational expenses. I did not submit the application on XX/XX/23 and each agency that I contact informs me they aren't aware of who did. The Dept of Education will not take responsibility for the loan application or credit inquiry that appears on my file, although their name is reflected on my credit file. I have a police report with my local county asking for assistance with holding whatever entity responsible for unlawfully using my social security number, submitting an application in my name, and accessing my credit file.