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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I requested to opt out of XXXX Credit reporting which is completely in the legal boundaries and holds legal validity per XXXX XXXX XXXX. XXXX ignored my request completely and continued to report adverse actions on my consumer credit file although XXXX XXXX  made it very clear to me that I did not owe XXXX XXXX  anything by sending me a letter to my house ( attached ) stating they would not attempt to collect any debts from me. do to there negligence, my credit has had a tremendous negative affect which is taking a very bad toll on my life and has made it very difficult to take care of my family and my self acquired more credit for house hold purposes. I had very high expectation for XXXX XXXX  and now I am very disappointed in their unprofessional and illegal business practices. I hope this was just a mistake non-intentional.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 or other personal consumer reports

PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY REPORT AS THEY VIOLATE MY CONSUMER RIGHTS PER 15 USC -2 STATES EXPECT 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 ALLEGED, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF A COPY OF AN IDENTITY THEFT REPORT, APPROPRIATE PROOF OF IDENITITY OF THE CONSUMER, THE IDENTITIFCATION OF SUCH INFORMATION BY THE CONSUMER AND A STATEMENT BY THE CONSUMER THAT THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTIONS BY THE CONSUMER. I DEMAND YOU TO DELETE THE LISTED ACCOUNTS IMMEDIATELY PLEASE ALSO REMOVE THE FOLLOWING INQUIRES AS IT IS IN DIRECT VIOLATION OF MY CONSUMER RIGHTS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX PLEASE DISREGARD PREVIOUS COMPLAINT IT WAS MISSING DOCUMENTATION
Product: Credit card or prepaid card

In XX/XX/XXXX received letter stating that from XX/XX/XXXX to XX/XX/30 if i were to spend over {$550.00} i would receive 20 % extra cashback on top of what already earning. There was a ph # to call and to provide enrollment #. I called and activated it. I made sure to spend enough in XX/XX/XXXX / XX/XX/XXXX to qualify. When called back in XX/XX/XXXX to follow up on the status was told they don'-t even have the record of the letter being MAILED to me. I faxed the letter as advised. Received response in the mail claims I did not active the offer. Again called CSR to rebute but nothing. Hitting a wall. I don't even know how would i proof that i activated. I am on one-rate plan with phone company so I don't even get detailed bill. Yet feel i was cheated. Help? 
P.S. The company recently sent another invite. This time i activated it ONLINE and again today was trying to confirm and the rep did not confirm it saying she has no way to know if I activated one or not. Seems there is a issue with your activation process
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX CA, XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX, CA, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I am not aware of this issue and the company did it without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts ; XXXX XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$5000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$220.00}, XXXX XXXX  XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX, Balance : {$520.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$290.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$12000.00} ), XXXX XXXX XXXX ( Date Opened XXXX. XXXX, XXXX, XXXX : {$14000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy report on my credit report. I don't know about the reports because they don't belong to me. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Product: Credit card or prepaid card

I recently paid XXXX for a application to First Progress Bank on XXXX2021. This was charged on my XXXX XXXX and posted XXXX2021. I was approved for a secure line of credit. On XX/XX/XXXX I deposited {$500.00} as secure deposit and they charged me {$29.00} dollars again for the yearly membership which was chargeed to the new master card. I belive they are charging me twice. Could you open a case for this with I talked to the XXXX XXXX  but the could only give me my statement where I paid on XX/XX/2021 {$29.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX/DEPT OF ED XXXX XXXX : {$2400.00} XXXX/DEPT OF ED XXXX XXXX : {$4000.00} XXXX/DEPT OF ED XXXX XXXX : {$9000.00}
Product: Credit reporting or other personal consumer reports

I'm wanting these hard inquiries to be deleted because I did not authorize these companies to run my credit, which is fraudulent. 



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

please remove fraudulent accounts

XXXX XXXX XXXX 
open date XX/XX/XXXX XXXX XXXX XXXX   
XX/XX/XXXX XXXX XXXX XXXX 
XX/XX/XXXX

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  
open date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$21000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

In 2017 we canceled our card due to fraud and requested a new one. We continued to make payments on the account but they were only applied to new charges on the new account, resulting in the previous account being charged off as bad debt. This was all due to an internal glitch at Citi which was eventually resolved on their end, but negative credit reporting still exists. Please see attached correspondence..
Product: Credit card

I signed up for promo with my credit card that was supposed to be a free subscription service for XXXX XXXX I was refunded every month after having it for a year I suddenly started getting charged for it when I called the credit card company to dispute they told me the promo was only active for 6 months and refuse to acknowledge the fact that I had it for longer than 6 months so it must have been a different promo and said they have no records of that promo being active before XXXX of 2024 but it's obvious for my statements that I I've had it for almost a year not 6 months they obviously change something and never notified me they and were very hostile and wouldn't even acknowledge the obvious charges that were older than 6 months that they were doing the promo in and eventually hung up on me
Product: Credit reporting or other personal consumer reports

The unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1000.00}
Product: Debt collection

My account went into collection. Since then I have been getting collections and unwanted calls to pay back my debt. I also was told that if I don't repay my debt that it will effect my credit and that they will lower my credit score immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time reaching out to XXXX, XXXX, Trans Union to request a investigation on the following account. XXXX I am not requesting XXXX to validate the information that is reporting. I was a Victim of Identity theft I have provide the police report and FTC regarding this account. After contacting the first Collection that was reporting the account XXXX XXXX XXXX XXXX this company sold the account to XXXX XXXX XXXX. After I requested the company to remove this account due the fraud. I am requesting XXXX to BLOCK the reporting of this account from being reported and resold by debt buyers.
Product: Credit reporting

I have an account in my credit report that is seven years old and has not been deleted yet. 
I would like Equifax to investigate and delete the derogatory XXXX XXXX account due to it evening seven years past the last delinquency. 
Equifax also will not let me enter online into their dispute area after I have answered all of my security questions correctly.
Product: Debt collection

I have opened an account with sprint in XX/XX/XXXX and never had made the payments.it then went into to collections ( convergent Outsorsing ) and I had paid that off XX/XX/XXXX. I have recently discovered an error on this account and would like it to be removed as soon as possible. The account number is XXXX. 

The account number is wrong and does not show the full number of this account, their for this is an error and would like this to be removed from my credit report as soon as possible, Under the Fair Credit Reporting Act. Thank you.
Product: Consumer Loan

Due to getting out of the military in XXXX I had file Bankruptcy XX/XX/XXXXandXX/XX/XXXX ask Pentagon cu for several loans toHelp me along with my credit but they constantly give meThe runaround saying I am not egible for another loan fromThem until I payoff my discharge loan from 33 years agoI would you to look into this matter for me please.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion for their failure to investigate and provide updates or results regarding a disputed collection account on my credit report. On XX/XX/2024, I sent a dispute letter to each of the credit bureau TransUnion, requesting an investigation and validation of an unverified collection account. The details of the disputed account are as follows : Creditor/Collection Agency : XXXX Account Number : XXXX Amount : {$1000.00} In my dispute letters, I requested the following information under Section 609 of the Fair Credit Reporting Act ( FCRA ) : The original signed contract or agreement that created the debt. The name and address of the original creditor. Documentation showing that the collection agency has the legal right to collect on this alleged debt. A full account history, including any payments made on the alleged debt. Despite providing all necessary documentation, including a copy of my credit report highlighting the disputed item, proof of identity, and proof of address, I have not received any response from TransUnion. Under Section 611 of the FCRA, the credit bureaus are required to investigate consumer disputes and provide the results within 30 days. It has been over 60 days since my initial dispute, and I have not received any updates or results from any of the credit bureaus. Dates : Date of Initial Dispute : XX/XX/2024 Date of Follow-Up Dispute : XX/XX/2024 Disputed Amount : {$1000.00} Actions Taken : Sent initial dispute letters to TransUnion on XX/XX/2024 Sent follow-up dispute letters to TransUnion on XX/XX/2024. Provided all necessary documentation, including a copy of my credit report highlighting the disputed item, proof of identity, and proof of address.
Product: Mortgage

Several years ago, I went through a divorce and had to sell my marital home through a short sell. At that time, I had a equity line of credit with SunTrust Bank. They refused to forgive the debt and negotiated with the buyer for me to assume {$16000.00} of debt to be re-paid over a ten year period. I have now reached an age and point in my career where I need to settle down and buy another home as I prepare for retirement. I made an offer of settlement and the bank will not return my calls or when they do, have lost my file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was unverified and unauthorized activity on my credit report. 

XXXX XX/XX/XXXX was unverified and unauthorized activity on my credit report. 

XXXX XXXXXX/XX/XXXX was unverified and unauthorized activity on my credit report. 

XXXX XX/XX/XXXX was unverified and unauthorized activity on my credit report. 

XXXX XX/XX/XXXX was unverified and unauthorized activity on my credit report. 

XXXX XX/XX/XXXX was unverified and unauthorized activity on my credit report. 

XXXX XX/XX/XXXX was unverified and unauthorized activity on my credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXXommittee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I went to school in XXXX got a loan from them, when XXXX hit they are still charging me interest when all interest shouldve been on hold now, i didnt finish my classes and restarted in XXXX which they now gave me another loan, however covid was really not helping and I got super stressed out so I couldnt finish the classes again. I called them because they charged me for the entire amount for thr program even if I only took a couple of classes and they were also still charging me interest despite it being covid and now they sent me an email that they capitalized my interest with my loan. I called and they just told me that the specialist was supposed to call back but no one ever called ne back. This has been really stressful dealing with this and up to date now they are about to change my loan to a different company without resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX  with ACCT  # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account.