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

FRAUDULENT/UNAUTHORIZED INQUIRIES ON CREDIT REPORT. I HAVE REQUESTED THE UNAUTHORIZED ITEMS BE REMOVED AND THEY STILL REMAIN I DEMAND THIS INACCURATE INFORMATION BE REMOVED FROM MY REPORT IMMEDIATELY. ATTACHED IS A COPY OF MY FTC REPORT. IF THIS INFORMATION REMAINS ON MY REPORT I WILL EXECUTE MY RIGHT TO THE FULL EXTENT OF THE LAW AND SUE EQUIFAX FOR REPORTING INFORMATION THAT VIOLATED MY RIGHTS UNDER SECTIONS 609 OF THE FCRA I DID NOT MAKE THIS INQUIRY : 1. XXXX  XXXX XXXX  XXXX 2. XXXX XXXX XXXX  XXXX 3. XXXX XXXX XXXX
Product: Debt collection

This is a landlord issue that has ended up on my credit report that I have been unable to remove or negotiate. 
I lived in the apartment for 2 years. I notified them that I was moving and why I was moving. They claimed I did n't give them proper notice and that I owed them a full month of rent because I moved out on XXXX XXXX. They stated that my rental contract tied me to that full amount. In XXXX of that year, they provided me incorrect information stating that on XXXX XXXX I was on a month to month contract so I did n't believe I was under contract at that time. Either way, I offered them the money from XXXX XXXX ( covering 3 days past my move out date ). The reasons I moved it which they were fully aware of was that I had a drug dealer living above me and the conditions were atrocious and I had a XXXX XXXX XXXX living with me. There were assaults, abuse, drug deals, etc. The entire building had been involved with alerting the office at least once to twice a month. Nothing was done. They stated " its hard to evict someone '' but its apparently not hard to try to collect a debt from someone because they sent this to collection instantly after I moved out. I guess it would have been more difficult to evict me than it would be for me to move out with notice and complaint. They have placed the full amount of the debt they state I owe on my credit report and have told me this will prevent me from getting credit in the future ( and it has ). Its not fair to force someone to pay for something saying the contract was broken even though they broke the contract as well by not providing a safe, drug free environment for ME as a tenant to live in. I do n't get to collect from them for that. I just have to sit back as a single mother and allow them to ruin my credit. I really have no recourse but to pay this debt or just never be able to buy a house or a car. And this is all because I moved out of a dangerous environment without what they call 'proper notice '. I am sure you will see that they were notified and that they also broke their contract. They are slum lords who prey on people just trying to survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Experian, and XXXX concerning some medical bills and a XXXX account reporting as collections on my credit report. I notified each credit bureau that these items do not belong to me and are reporting on my credit file in error. I received notification from the credit bureaus that these items were verified and that they are to remain on my credit. I responded to their findings with a request to provide me a copy of the individuals, date, time, and address to the person/s that verified this information because if indeed the did a proper investigation, they would not have verified that these items belong to me. After my 3rd contact, they have ceased responding and the issue of 3 items reporting on my credit in error remains. The Fair Credit Reporting Act gives me protection that I will have an accurate and fair credit file and XXXX, Experian, and XXXX are in violation of my rights under this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX 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

I have tried to reach TransUnion to no avail ... they are NOT responsive. 
They have me listed as a " delinquent account '' with XXXX XXXX XXXX which is totally inaccurate. I charged a recliner with XXXX in XXXX XXXX ( or XXXX ) for $ XXXX with XXXX XXXX XXXX. I paid monthly for a year and totally paid it off! Then I considered buying a bedroom set with XXXX ( XXXX?? ) and the salesman noted that I already had an account with XXXX XXXX. However, I DID NOT BUY THE BEDROOM SET! But ever since then TransUnion has reported me as having an account and being delinquent which is totally INACCURATE. They have messed up my credit score unfairly and this issue needs to be resolved once and for all. There is NO account with XXXX XXXX XXXX. ( I have receipt for recliner but do n't know how to attach it )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX yr old successful independent businessman who has a major issue with Chase bank who refuses to grant me a simple revolving credit card even though i have been a customer for a decade with no issues. It is impossible to express my frustration even though i have disputed a item which was not mine, and have clearly maintained active and accounts in good standing i can not get a simple card to begin to build credit. i do not intent to abuse it. nor over use it. just to be like most people and get a chance.
Product: Credit reporting or other personal consumer reports

Transuion is showing negative items on my credit report, called the finance company and requested a letter showing that the auto loan was paid in full and that the account was never late. i send this letter to the credit reporting company and multiple times and they have yet to correct the issue
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2023 I conducted an annual credit report to correct all inaccurate information on my TransUnion Account. TransUnion had over 20 non-medical addresses listed on my account. I requested that only 1 current address be listed. Later that day to my surprise after doing my research on TransUnion, it has come to my discovered that they are a for-profit entity trading my private trust information. They transferred my information to Transfer Agents, for securitization and additional profits without my express written or verbal consent, without FULL disclosure that is required regarding SEC transactions and registration. The aspect that gets to me and the heart of the whole matter is that for over 20+ years this company has benefited and controlled my private estate and its trade secrets while participating in the benefit of lower scores equals the greater possibility of purchasing the products they " pitch ''. This misrepresentation, misleading of the true intentions of TransUnion has damaged me and my family for years. It stops TODAY. I am clearly expressing as the surety, I never consented to any of TransUnions selling, exchanging, or pooling my information for their profit. I am removing any security interest they may have in my copyrighted name and information. This is an Unjust Enrichment
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Theft and i've been needing help. Both XXXX   and XXXX  have already completed their work and its been beneficial, im thankful for their expertise and professionalism. On this hand, with Experian, on several different occasions dating back to XX/XX/2020, I've tried to have Experian investigate these fraud items through mail and over phone and both times, they continue to fail me as the staff there continue to say they cant " find '' the documents i send to them.

I try to upload, and i continue to get rejected and failed attempts by there system, it really feels like Experian has me blocked out of assistance. I feel very much violated how some companies can fraudulently report nonsense on my credit report and get away with it month after month with no resistance due to Experian not doing their job for the consumer ( me ).

Here i am on CFPB uploading/sending the necessary documents requested by Experian, again, in order for them to properly investigate and block these fraudulent items i have listed.
Product: Credit reporting or other personal consumer reports

My Identity has been effective in XXXX XXXX XXXX. After winning a fraudulent Credit Card case and seeing all the inquires I needed help because speaking with the bureaus I couldn't get them removed. 
XXXX XXXX XXXX XXXX XXXX XXXX Identity has been effective in XXXX Data Breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a copy of my Credit report and Disputing An Item that needs to be deleted. on XX/XX/XXXX an account with XXXX XXXX was opened up fraudulently in my name. The balance is {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX  XXXX XXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$8.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I received a letter on XX/XX/XXXX from TransUnion about a fraudulent credit application. I had recently frozen XXXX, so I froze XXXX online today ( XX/XX/XXXX too ) easily and in under XXXX minutes ( for both ). But when I went to freeze TransUnion it had an error code and said they couldnt freeze it and to call. I googled and saw that this has been occurring ( with only TransUnion ) for YEARS. They were already charged by you all and XXXX XXXX ran an article on it in XX/XX/XXXX. And guess what? When I called they said the same thing ; the system is down. However, they cant put it in their system to add the freeze when it is back up. Nope. You have to call back and GUESS when their system may be up again : that is the only way to get it fixed. Doesnt that make them fraudulent? They dont do what they said they do? They send me a letter telling me to place a freeze but they cant do the freeze. I am curious, what happens if fraud now occurs? Wouldnt this be their own fault? Just a complete waste of time. Why not close TransUnion if they cant do what they are supposed to? XXXX and XXXX seem to be able to do it just fine.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Debt collection

I received a call from Medical Data System in regards to a dept which was owed to the XXXX XXXX XXXX. However, the hospital never sent out a bill so I did not know that this bill existed until I received a call from the collection agency. I contacted the insurance company and they sent me a copy of the amount that is owed after the fact. the first copy that the insurance company sent had zero for what was owed. However, I called the insurance company and they sent me an updated copy which is {$1100.00} that is what I owed. I then called the Medical Data System to arrange how I can pay this amount in installment but they did not want me paying on the amount each month. The person at this collection Agency told me, XXXX XXXX wants to deduct it from my bank account each month. I not going to allow them access to my account I was willing to pay. They has on my credit report account I owed {$1200.00}. I told them that was not the amount that is owed. They told I have a bill from ten years on the amount they are charging. I also had a bill for {$58.00} which, I paid already and they had it added to the amount they have on my credit report. I need help with these people. They are very rude and uncooperative. Plus they sent a letter but no copies of the bill that owed. I will have to check with my bank to get the information that the {$58.00} was paid to Medical Data System. Thank you
Product: Mortgage

I am writing this letter to file a complaint against Citizens Bank. I applied for a mortgage with Citizens all the way back in XX/XX/2020 and I am still waiting to close the loan so that I can use the cash for my project yet the bank is stalling the process by constantly telling me that I am almost there without giving out any details or properly responding to my messages. Most messages to my loan processor are not returned. I could have worked with another bank if they honestly told me that it would take longer than 6 months to get a mortgage from Citizens but I have wasted many months waiting for them to close this loan so that I can move on with my life. 

The loan officers try to make your application look as if you just started the process in order to make the back log numbers under control by telling customers that their file has just been completed months after the customer 's original application date. 

If you audit this bank you will also notice that they have a long back log of customers waiting for an approval since they have very poor IT infrastructure. It is very common for them lose your documents and and ask for bits and pieces of documentation although I have provided the same document months ago. 

Institutions with poor infrastructure like Citizens are slowing down flow of credit to XXXX consumers despite tremendous efforts our government has provided in order to prop up the XXXX economy. However credit is being held up by institutions like this due to poor management and poor infrastructure. 

I have significant amount of documentation I can provide to show how poorly managed the underwriting process is.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the XXXX XXXX to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you,, XXXX credit reporting agency , Equifax credit reporting agency , and XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage loan balance is incorrect
Product: Credit card or prepaid card

I had multiple banking products with SunTrust ( Checking Account, HELOC, and a Credit Card ). I sold the house tied to the HELOC and the loan paid off. Upon pay of of my HELOC, I decided to switch banks. I then closed my checking account. As my credit card still had active transactions on it I left it open. As a customer, I was enrolled in paperless billing for all of my products. The only way to access bills and statements is via SunTrust 's online banking site. 

Upon closure of my checking account, my online access was removed and my entire online account was deleted. As such, I am unable to access my credit card statements. I have a bill due in 3 days and SunTrust is refusing to provide me with either a statement and also has failed to correct my online access.

After two phone calls and over an hour on the phone with SunTrust for each call, the representatives were unable to offer any help or restore my online access. I was told that the only way to obtain a statement before my payment was due was to drive to a branch and pick one up. Unfortunately, I have a job and can not just leave work at the whim of SunTrust to pickup a statement. 

I always pay my bills in full each month, however, I am unable to pay a bill that SunTrust can not provide.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

XX/XX/XXXX Contacted AMEX upon receive of email change notice. A new unauthorized user was added to my account. Spoke to fraud prevention department and they cancel my existing card including the newly added fraudulent account. 25 minutes were spent on call to resolve issues. 

XX/XX/XXXX Fraudulent transactions started to appear on my account despite it was supposed to be closed on the XXXX on XXXX. In addition, another unauthorized user was added to my account. AMEX fraud prevention department claimed they will remove unauthorized charges and close the newly added fraudulent account. A total of 23 minutes spent on call to resolve issue. 

XX/XX/XXXX Contacted AMEX with issues adding my new card to XXXX XXXX and follow up on unauthorized charge removal. The new card was not able to be added to XXXX XXXXXXXX hence a new card had to be issued. I was assured that unauthorized charges would be removed and will not be held liable. Spent a total of 47 minutes and 4 calls speaking to multiple representatives to resolve issues. 

XX/XX/XXXX Fraudulent transactions on the second unauthorized account started to appear on my account. That account was supposed to be closed on XX/XX/XXXX. I was asked on the call to confirm the unauthorized users for reason I can not fathom. The two unauthorized account were supposed to be closed on XX/XX/XXXX and XX/XX/XXXX calls respectively. Spent 33 minutes on call trying to get my account secured and removing unauthorized charges. 

XX/XX/XXXX All the fraudulent transactions went from pending to post status on my account. Spent 11 minutes on call asking representatives why they have yet to execute what I was told on previous calls. I may have to pay over XXXX XXXX out of pocket first to prevent fees and impact to credit profile.
Product: Debt collection

Around XX/XX/2018, I called XXXX XXXX to shut off my service. At that time, I was required to pay off the entire remaining balance - which I did. A few weeks later, I called again to make sure I didnt have new charges so I could pay them. At that time, I was told I was up-to-date and that I did not have a balance and that my account account had been terminated. 

Recently, I got a credit report alert that I had an account in collection. Ive tried to call the collection agency several times and no one answers. 

I need to know why no one has tried to contact me in the last two years  about this {$110.00} supposed debt. I would have gladly paid it immediately had someone contacted me.
Product: Student loan

On XX/XX/2018 I paid over 9,000 dollars in student loans and made the payment in full. I had spoke to a rep over the phone to make my payment with sallae mae. They advised that the loan is now paid in full, now today XX/XX/2018 I receive a bill stating I still ow {$140.00}. I do not believe i Should pay considering a rep had stated that it was now paid in full. I was on auto-pay before and I never missed a payment. I do not believe I should be help responsible considering I was told othewise. Spoke to the Sallae Mae Supervisor and she had stated that she will not waive anything. She spoke to me and interrupted me multiple times. I want this to be known. Sallie Mae is the worst loan company to deal with. Do not ever go to them!