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

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX  my XXXX  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 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that you block and delete all accounts and inquiries associated with this breach from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Specifically, I am requesting the following action : XXXX. XXXX Account ( XXXX ) ** Opened on XX/XX/XXXX with a balance of {$150.00}. 
XXXX. XXXX from XXXX Dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department 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. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Vehicle loan or lease

date various from XX/XX/2022 to XX/XX/2022 XXXX from NCB MANAGMENT SERVICES a third party company, the account was closed by XXXX XXXX and this third party NCB MANAGMENT refuses to close account
Product: Checking or savings account

A company from XXXX is selling products on XXXX as an American looking company which scammed me for $ XXXX. I have submitted a complaint in XXXX XXXX and XXXX about this and my bank refused to issue this money back to me. The bank is stating that if I send back the incorrect merchandise the merchant will process the refund. It costs {$150.00} to send the incorrect item back which is more than the item itself. I ordered a XXXX item and the company purposely sent me a package that weighed XXXX. 

I asked the USPS service to confirm the tracking number and after their investigation they determined that this is fraud/scam.
Product: Debt collection

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification if in fact you believe I received proper notification please provide the certified mail with my signature on there stating that I received it.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am filing this report pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

After carefully reviewing my credit report, I have discovered several accounts and notations that do not belong to me or are otherwise inaccurate. 
XXXX XXXXXXXX XXXX XXXX {$280.00} Account was not proven how it was verified please delete. 
Not mine no knowledge XXXX XXXX XXXX {$1500.00} Account was not proven how it was verified please delete. 

XXXX XXXX XXXX XXXXXXXX Incorrect account number, balance is XXXX XXXX XXXX XXXX XXXXXXXX Never Late, Incorrect Account Number XXXX XXXX XXXX XXXX XXXX Never Late, Incorrect Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Never Late, Incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Late, Incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Late, Incorrect Account Number XXXX XXXX XXXX XXXX No knowledge XXXX not my account XXXX XXXX XXXX XXXX XXXX No knowledge XXXX not my account These inaccuracies are a violation of my rights under the FCRA, which ensures that consumer reports must be accurate, complete, and verifiable. I have also filed an official complaint with the Federal Trade Commission ( FTC ), a copy of which is attached for reference. l am requesting an immediate investigation and correction of these errors, as well as written confirmation that these items have been addressed.
Product: Checking or savings account

When I transfer money from my XXXX checking account to my MidFirst checking account it takes forever for MidFirst to credit my account. The first time it happened I called them & was told it took so long because it had to go thru the clearing house. I'm sorry I didn't document the dates but I did the next time it happened. On XX/XX/XXXX I transferred money from XXXX to MidFirst. MidFirst didn't credit my account untiXXXX XXXX XXXX, 16 days later! With practically everything being instant these days I'm having a hard time believing that if transfers really do have to go thru the clearing house it takes them 16 days!? I believe MidFirst is dragging their feet & not applying the funds to my account in a timely manner.
Product: Credit reporting or other personal consumer reports

Subject : CFPB Complaint - Urgent Correction Required in TransUnion 's Reporting Dear CFPB, I am filing a complaint against TransUnion regarding a persistent and egregious issue related to their incomplete tradeline reporting. Despite my diligent efforts to resolve this matter, TransUnion continues to inaccurately portray my credit history. 

The problem is crystal clear : while XXXX correctly reports all my tradelines, TransUnion, inexcusably, only acknowledges two : the XXXX XXXX tradeline and a closed XXXX XXXX account. This is a gross misrepresentation of my credit history. 

I have taken the initiative to contact my creditors directly, who have unequivocally stated that they are accurately reporting my credit information to all major credit bureaus. It is evident that TransUnion is solely responsible for this reporting discrepancy. 

To clarify the gravity of this situation, I am attaching my previous XXXX credit report, which comprehensively lists all my tradelines. TransUnion 's glaring omission of these critical tradelines is undermining the accuracy of my credit profile, impacting my ability to access fair credit opportunities. 

I demand an immediate resolution to this issue : Correct the Reporting : TransUnion must promptly update my credit report to include all missing tradelines, consistent with my XXXX report. 

Compensate for Harm : The inaccuracies in TransUnion 's reporting have harmed my financial standing. I request that TransUnion take steps to compensate for any damage caused, including potential interest rate adjustments or financial remedies as deemed appropriate by CFPB. 

Prevent Recurrence : CFPB should ensure that TransUnion implements robust internal controls to prevent future inaccuracies in credit reporting. 

I urge CFPB to take swift and decisive action to address this matter. Accurate credit reporting is not a luxury but a fundamental right for consumers, and it is crucial to protect this right vigorously. I expect CFPB to work diligently in holding TransUnion accountable for its actions and securing a resolution that reflects the seriousness of this issue. 

Should CFPB require further information or documentation from my end, please do not hesitate to contact me at XXXX or XXXX. Time is of the essence in rectifying this situation, and I anticipate a prompt response and resolution. 

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

I have several inquiries on my transunion and XXXX and XXXX  report that we made fraudulently. I called them to have it removed but they are not helping me at all. 

I want the inquiries removed please they all are not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have enclosed a FTC Identity Theft report signed by my local police department.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the persistent late open accounts appearing on my credit report. Despite my repeated attempts to rectify this situation, the inaccurate information remains on my credit file, negatively impacting my creditworthiness. This situation is in violation of the Fair Credit Reporting Act, and I am seeking immediate resolution. 

To provide you with a comprehensive overview of the issue and the actions I have taken to address it : I discovered that there are late open accounts listed on my credit report that I believe to be inaccurately reported. 

I promptly filed a dispute with your agency on [ Date ] to challenge the accuracy of these late open accounts. I provided all necessary documentation and evidence to support my claim. 

After the initial dispute, I requested a reinvestigation on [ Date ] as I believed the late open accounts were not adequately addressed during the initial dispute process. 

I have made numerous attempts to follow up on the status of my dispute through letters, emails, and phone calls to your agency. Despite my persistent efforts, I have not received any resolution or a satisfactory response. 

The Fair Credit Reporting Act obliges credit reporting agencies to conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. Unfortunately, this dispute has not been resolved within the required time frame, which constitutes a breach of my consumer rights. 

Initiate a thorough and prompt investigation into the late open accounts appearing on my credit report as mandated by law. 

Furnish me with a written response detailing the results of your investigation, including any corrective actions taken to rectify the inaccuracies. 

If it is determined that the late open accounts are indeed reported inaccurately, I insist on their swift removal from my credit report. 

Ensure that your agency complies with all pertinent laws and regulations, including the Fair Credit Reporting Act. I am asking for your immediate assistance to correct the accounts : XXXX  XXXX XXXXXXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX : {$49000.00}.
Product: Credit card or prepaid card

I was approved the AMEX XXXX card on XX/XX/2017. And I have spent XXXX in purchases within the first six months. I just want to get my additional XXXX bonus Starpoints. Thank you.
Product: Checking or savings account

I am being accused of, by the bank, of perpetrating the fraudulent activity. I deposited a fraudulent check unbeknownst to me at the time of deposit. When I realized that something was " not right '' I went to the bank and tried to explain what happened and the bank representative informed me that I could not do anything at the time and that I should wait to hear from them to pay what I owed on the account. I never heard from the bank. A couple years later I tried to open a new account and was denied. I was informed that I had to admit to being responsible for the fraud committed and pay the bank fees and then they would consider my request to open a new account. After I refused to admit any wrong doing the bank representative informed me that he could not help me nor advise as how to resolve this situation. I have submitted all the documentation necessary to evaluate and support my side of the story. Including the initial email contacting me in this fraud.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Credit reporting

On XX/XX/XXXX I received a call from one of my retail cards, XXXX, asking why I am changing my address and phone number on my new account. I confirm that I did not change that information and contacted each one of my accounts. I discovered the address, phone number and email address had been changed on every one of my retail credit cards. There were two address used XXXX one in XXXX and and other in XXXX XXXX addresses were reported to all three credit bureaus- even after I reached out to them and put a fraud alert on my credit accounts and credits reports. On XXXX XXXX, an unauthorized purchase was made on my XXXX account and shipped to the XXXX address. I had XXXX intercept the package and retail it to the retailer. On XXXX XXXX, the address was changed on my XXXX XXXX account. XXXX XXXX reported that a purchase was attempted but the purchaser could not verify the personal information on my account, so it was declined. There are multiple credit inquired on my credit report that I did not authorize that go back as far as XX/XX/XXXX and the defrauders used an incorrect variation on my name XXXX XXXX XXXX XXXX. I have locked all of my credit accounts and frozen limits. However, I wanted to buy a house and need to apply for a mortgage in less than 30 days. I will continue to monitor the situation but I need help.
Product: Debt collection

I received a letter in XXXX, 2016 from Consolidated Recovery demanding I submit a payment to satisfy an old BUSINESS transaction. The original debt was in the amount of {$4900.00}, which happens to have been a chargeback for a trip to XXXX. I think it 's important to say that the trip was a group of 24 people and 1 couple decided to dispute to charges and, well things went downhill from there. The point is, I should have never been held personally responsible for a business transaction. My Company, XXXX XXXX XXXX and DBA/ XXXX XXXX XXXX XXXX is and always have been listed on the attached support documents. They include, business insurance, GA. Corporation, IRS - EIN Number, Travel Supplier Membership, Credit Card Processing agreement, and Articles of Organization.
THE MOST IMPORTANT FACT IS THAT I NEVER RELINQUISHED RESPONSIBILITY OR PAYMENT GUARANTEE FROM MY BUSINESS TO MYSELF. ADDITIONALLY, I HAVE NEVER SIGNED ANY AGREEMENTS AS FURTHER PROOF. The collection agent wrote in a letter, that I signed an agreement electronically taking personal ownership and guaranteeing responsibility. THIS IS FALSE, UNTRUE A LIE! Today Consolidated Recovery has placed on my credit reports verberage implying, they are the creditor, That I 've have owed nearly {$7000.00} since XXXX, 2016 which continue to accrue interest.
I have also contacted my States 's Attorney General, since they have also threatened to sue me.
Product: Credit card

I keep receiving a denial for the Amazon.com visa signature card, which i have not applied for. I think it might be showing on my XXXX report. its probably hurting my application for a home equity line
Product: Debt collection

I was contacted by portfolio recovery associates on multiple times I did receive a letter stating that I will be sued for the debt that was sold to them in XXXX. The original debt was from XXXX. I was also sent a letter that stated there was a judgment against me. I did advise them that I was a victim of identity, theft, and that this debt is not mine and at this point, it is also past the statute of limitations
Product: Credit reporting or other personal consumer reports

Account is appearing longer than 7 years. Disputed the account directly with Experian, however they haven't removed the item and left on my report. 

Experian Report Number : XXXX Account : XXXX Company : XXXX  XXXX XXXX Date Opened : XX/XX/year> Date Closed : XX/XX/year> Experian doesn't even allow the option to select account is too old when disputing items on credit report. This account has been too old to be included on report and now Experian won't even remove it.
Product: Credit reporting or other personal consumer reports

Several Errors for An Alleged Debt are On My TransUnion and XXXX Consumer Reports.

Date Opened can not be XX/XX/XXXX On My TransUnion XXXX Report AND also be XX/XX/XXXX on My XXXX Consumer Report. 

The Account Is Listed as A Charge Off Therefore there Can not be a Balance of {$790.00} AND a Past Due Amount of {$790.00} listed on XXXX XXXX TransUnion and XXXX XXXX Reports. 

No Account Can Be Listed as Charged Off as Bad Debt AND Canceled by XXXX AND Closed Due to Inactivity AND Reprted As A Loss by the XXXX XXXX AND XXXX in the Legend as CO for Every Month from XX/XX/XXXX through XX/XX/XXXX. 

Violations of My Consumer Rights include : XXXX CO XXXX XXXX. 
Not Reflecting a XXXX XXXX after XXXX has Been Sold. 
Not indicating XXXX the Account was Sold. 
Errors Across Multiple Consumer Reports. 
Attempts to Collect a Debt after the State of Illinois Statute of Limitations for Debt Collection has passed.