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

Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX GA XXXX Social Security Number XXXX XXXX XXXX XXXXXXXX Date of Complaint : XX/XX/XXXX Complaint Against : Company : TransUnion LLC Consumer Dispute Center Address : XXXX XXXX XXXX, XXXX, PA XXXX Nature of Complaint : I am filing this complaint against TransUnion LLC for failure to block fraudulent information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, which has resulted in unauthorized accounts being opened in my name. Despite multiple requests, my personal information has not been updated or corrected, violating my consumer rights. 

Violations Committed : Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) - TransUnion failed to remove fraudulent accounts after I submitted an identity theft report.

Failure to Provide the Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ) - TransUnion did not disclose how it verified the disputed accounts.

Failure to Properly Safeguard Personal Data ( 15 U.S.C. 1681b ( g ) ) - My personal information was compromised due to data breaches.

Failure to Accurately Report Information ( 15 U.S.C. 1681s-2 ) - Data furnishers did not ensure accurate reporting.

Failure to Update Personal Information - My name, address, and employer information remain outdated despite multiple requests. 

Details of Identity Theft & Data Breaches : I was a victim of multiple data breaches, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), which resulted in my personal data being exposed and used for fraudulent purposes. 

Fraudulent accounts were opened in my name as a result of these breaches. 

Disputed Information & Inconsistencies : XXXX XXXX ( Account Number : XXXX ) Account appears inconsistently across credit bureaus. 

Discrepancies in account balance, status, and dates reported. 

Requested Actions : Block and remove fraudulent accounts as required by FCRA.

Provide the method of verification used to validate the disputed accounts.

Update my personal information, including name, address, and phone number.

Confirm these corrections in writing within 30 days as required by law.

Supporting Documents Attached : Copy of my government-issued ID Copy of a recent utility bill ( proof of address ) Identity theft report filed with the FTC ( Report Number : XXXX ) Affidavit of dispute Failure to comply with my requests will result in further legal action, including filing a small claims lawsuit for noncompliance with federal consumer protection laws. 

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

On XX/XX/2022, I was informed by TransUnion that I had opened an account with XXXX XXXXXXXX XXXX On XX/XX/2022 I called TransUnion to let them know I did not open an account with XXXX XXXX XXXX. I was told that I would have to contact XXXX XXXXXXXX XXXX to get the account closed. I contacted XXXX XXXX who told me that there was no record of my social security number opening an account. I then contacted TransUnion who told me that I would have to get a statement from XXXX XXXX that I did not open an account. Contacted XXXX XXXX who told me they could not do that because I do not have an account with them. 
I submitted an online request to TransUnion to have this information removed on XX/XX/2022. I called TransUnion on XX/XX/2022 and was told that they would contact XXXX XXXX to see if an account had been opened in my name. 
TransUnion is the only credit reporting agency with the information that t I opened an account with XXXX XXXX. XXXX and XXXX are not reporting this information because it is incorrect.. 
On XX/XX/2022 called ) TransUnion XXXX per XXXX I was told to call XXXX XXXX. On XXXX I called XXXX XXXX XXXX XXXX there is no record of my social security number or my street address with an account with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Its disappointing to find incorrect details on my credit report that are bringing down my score.
Product: Credit reporting or other personal consumer reports

Had an auto loan with XXXX XXXX dealer services from XX/XX/XXXX to XX/XX/XXXX. Car loan was paid in full with not one late payment ever. Today XX/XX/XXXX, I get an alert from Equifax and XXXX that XXXX XXXX reported a late payment today on this account, which has been closed for 2.5 years now, and on my Equifax report is showing the status of the loan open as of XX/XX/XXXX. I called XXXX XXXX who claim they never reported any late payments and show the account as paid in full closed as of XX/XX/XXXX. This is highly unethical and unacceptable behavior from XXXX XXXX and who ever is in charge of their accounting department. To be this careless and wreckless with customer information as to be reporting negatively on paid in full CLOSED accounts. This problem needs to be fixed immediately.
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. 
This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Product: Checking or savings account

The bank said that I had the ability to have money transferred over to another account to offset overdraft. I was then somewhere trying to use my card and it would not allow me to use it. I did advise them that I had money in my savings account why not take the money from the savings account And put it in the checking account, they advised me youve already used it three times so weve close that account. Made it a checking account and youre unable to use it as a savings account anymore. I said wait a minute when were you going to advise me of this And I was informed that they didnt have to so they had been charging me overdraft fees and I had a large amount of money sitting in a savings account and they were just charging me overdraft fees, eating up my money because they only allow me to do it three times but no one ever informed me of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

**XXXX- XXXX is not the problem XXXX is the issue** I contact XXXX an explain I caught XXXX XX/XX/XXXX went back for check up and was admitted in the hospital due to problem with my XXXX and extremally XXXX XXXX XXXX. I was in the XXXX for XXXX XXXX They said no problem I need to contact the credit bureau which I did on XX/XX/XXXX to dispute XXXX XXXX  day delq. on my credit report report # XXXX got an update on XX/XX/XXXX nothing changed. Call XXXX on XX/XX/XXXX to find out why it didn't update, the representative at XXXX told me XXXX  stated it was not a valid reason, I need to contact XXXX. On XX/XX/XXXX I contact a manager at XXXX who advise me XXXX NEVER CONTACT THEM. WHY would XXXX HAVE A REPRESENTATIVE LIE WHEN THEY NEVER CONTACT THE COMPANY OR DID A PROPER INVESTIGATION. AFTER EXPLAINING TO THE MANAGER SHE REVIEW MY ACCT NEVER 30DAYS LATE IN FACT THIS IS MY 2ND LOAN WITHOUT A BAD PAY HISTORY. XXXX  STATED THEY HAD NO PROBLEM REMOVING THE 30DAY DELQ BUT THE CREDIT BUREAUS HAVE TO DO IT. SHE WAS WILLING TO SEND ME A LETTER TO CONFIRM. WHICH THEY DID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these inadequacies for several months : Inquiries on my TransUnion credit report, XXXX XXXX and XXXX XXXX and XXXX inquiries are XXXX XXXX, XXXX XXXX, l first called TransUnion and XXXX XX/XX/XXXX XXXX, l talked to someone in the fraud department, about my credit being inquired without my knowledge, they did nothing to help, then on XX/XX/XXXX, l disputed online to both TransUnion and XXXX XXXX nothing happened, on XX/XX/XXXX l mailed my dispute to both TransUnion and XXXX again without any action being done,XXXX l mailed my disputes again to both TransUnion and XXXX, still no help,
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I was shocked to discover that my credit was deemed insufficient to co-sign a car loan for my sister, prompting me to investigate further. Subsequently, upon purchasing my first credit report from XXXX, I was horrified to uncover that I had fallen victim to identity theft for an extended period. 

An unknown individual had accessed my personal information, altering my address and phone number to procure credit cards from Elan Financial under my name. Taking immediate action, I promptly alerted the credit bureaus, who advised me to report the identity theft on identitytheft.gov. Following this protocol, I formally notified all credit bureaus, including a copy to the original creditor, requesting the closure of the fraudulent account and its removal from my credit file. 

While XXXX and XXXX swiftly removed the erroneous account, I have encountered significant challenges with XXXX over the past XXXX  months. Despite repeated efforts, the account remains unresolved on my credit report, causing ongoing distress and impeding my financial standing. 

I appeal to your department for urgent assistance in expediting the resolution of this matter with XXXX and Elan Financial. The prolonged ordeal has caused undue stress and hindered my ability to rectify the repercussions of this identity theft incident. I earnestly seek your intervention to ensure the prompt closure and removal of the fraudulent account from my XXXX credit report, thereby restoring the integrity of my credit profile. 

I am hopeful that with your intervention, this distressing situation can be swiftly resolved, allowing me to regain control of my credit standing and financial security. Your prompt attention and assistance in this matter would be greatly appreciated. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute XX/XX/XXXX with experian and transunion, XXXX on some items that are showing on my credit report incorrectly. 

XXXX showing XXXX status shows open : I told them to provide me with a copy of my signed contract with this company as I have no knowledge of them or this amount and I have no open account for this amount. They responded in a few days that it meets Fcra requirements and closed my dispute. I have the right to see what this is and why its being reported this way. My guess is this was sold from an orginal creditor which i thought was against FCRA regulations, on top of it all the information is not accurate and I asked it be removed from my credit report. 

The other item was XXXX recovery in the amount of {$500.00} also showing opened as of XX/XX/XXXX, again no proof was provided to me, however i did get a 1099c a few years ago around this amount, and if it is the same account they its already been claimed on taxes and can not continue to ask me to repay this to a company I dont even know who they are, or if this is the same debit. This needs to be removed also from my credit report. 

Lastly is XXXX XXXX. Due to Hurricane Ian back in XX/XX/XXXX national emergency i applied for a forbearance with XXXX XXXX  they told me i didnt have to pay the mortgage for 3 months and the balance would be added to back end of my mortgage, once the forbearance was done they reniged and told me i had to pay it back. So they added to my monthly payment going foward which i have paid on time each month, so I have been current based on their agreement, yet its reporting negativly on my credit report. This needs to be update as not being current XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXXXXXX XXXX XXXX  I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

I have repeatedly been trying to get resurgent and LVNV funding to stop calling my distant relatives. This has been going on since 2020. They give out information about me. After the people tell them not to contact them. They harass people.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Dear Sir/Madam, I am writing to formally dispute two hard inquiries listed on my credit report from Equifax, which I believe were made in error. The inquiries in question are : XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 I have reviewed my credit report and do not recall authorizing or initiating any credit applications or transactions with these two institutions on the dates mentioned. Hard inquiries typically occur when a credit application is made, and I was not involved in any credit application or authorization for either of these credit unions at the time of these inquiries. 

As these inquiries are inaccurate and unauthorized, I request that the CFPB assist in investigating and removing them from my credit report with Equifax. I would also appreciate it if you could reach out to both credit unions for further verification of these inquiries. 

Please find attached the following documents for your reference : A copy of my credit report from Equifax showing the disputed inquiries. 
Any other relevant documentation I have regarding this matter. 
I request that the CFPB provide me with confirmation once the disputed inquiries have been investigated and removed. If further documentation or information is needed to assist with your investigation, please do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

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

I had received a letter in the mail, claiming that a credit card from Milestone MasterCard has an open account under my legal name that has been charged off due to delinquency with an outstanding balance of {$1100.00} and sold to XXXX XXXX XXXX XXXX dating from XXXX of XXXX XX/XX/2023. I have never applied for a credit card under this company nor have I heard of this company before until I received this letter. I have contacted XXXX credit report, customer service to inform them of this fraudulent case but need further assistance from federal trade commission in order to ensure that this fraudulent activity will not be permanently recorded as part of my credit history.
Product: Checking or savings account

On :  XXXX   XXXX ,  2017 , I submitte d two  requests to : Bank of America, on behalf of my Residen t Manager   XXXX   XXXX , to get proof that I have a Safe Deposit Box with Bank of America in the  XXXX   XXXX   XXXX   XXXX , in :  XXXX   XXXX , CA so with that proof I can get re-certified for being there at my Unit with :  XXXX . So far Bank of America, has not send any proofs to :  XXXX   XXXX  the Resident  Manager  at :  XXXX   XXXX  Apartments, in :  XXXX , CA to prove that I have a Safe Deposit Box with Bank of America in the  XXXX   XXXX   XXXX   XXXX , in :  XXXX   XXXX , CA so with that I can get re-certified for being there at my Unit as a Tenant of hers.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint to CAPITAL ONE regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX have identified likely mendacious and certainly unproven complaint-reported account on my credit file that are inaccurate and erroneous l. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular item that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am filing a dispute because I can not add to my previous dispute. I sent in all documentation for loan mod. I was then requested to send in additional documentation with letter received on XXXX/XXXX/XXXX. I faxed on XXXX/XXXX/XXXX and did not receive any response that it had been received. I also called and left 2 voicemails for SPOC on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX stating I sent over documentation. I then refaxed on XXXX/XXXX/XXXX and I also sent overnight via XXXX to atten XXXX XXXX on XXXX/XXXX/XXXX. It was signed for the next morning. Yet on a letter dating XXXX/XXXX/XXXX from BSI/XXXX XXXX which was received XXXX/XXXX/XXXX It stated that they did not receive the XXXX documents requested. This is obviously untrue and I am attaching all documents proving that with the tracking info and fax confirmations. Again this is violating the laws of dual tracking in California. I have also requested numerous times by email, voicemails, faxes and mail to have XXXX set up a time for phone conversation because voicemail is all that I get. I have kept records and recorded all messages I have left with dates. Per lawyers request as well. I am tired of getting the run around on this. I have disputed random charges of XXXX they are claiming and the total amount that is due. Because between XXXX to them all I wanted and requested was to modify so I can make monthly payments or reasonable repayment plan. I can make payments my finances prove that but due to XXXX never contacting me after XXXX QWR ; s or sending me any monthly bill nothing has been done. I will not accept over charges but will pay my monthly bill. BSI took over the loan and that also means that the responsibility of correcting statements when I prove what is owed. I am also including all of the emails to set up online access and customer service that has never received a response since XX/XX/XXXX. I am also including the only monthly statement I have received from BSI which has no information on it. These are all proof of violations that I have copies of. The XXXX subsequent words ) was ignored because we limit queries to XXXX words. 

















Did you mean : Some common violations of the XXXX include : ( a ) dual tracking, XXXX b ) robo signing, ( c XXXX failure to acknowledge receipt of loan modification documents within 5 days, and ( d ) failure to appoint a single point of contact for loss mitigation efforts. In our opinion, these are all " material '' violations I can make monthly payments and I am not asking to modify to pay less than my monthly payment. I do not agree with total BSI states is in arrears and have mailed in writing that fact. I want the arrears to be modified or put into a reasonable repayment plan. House is still underwater 9 years later and I have kept it going entire time and do not plan on leaving house. There have been XXXX houses same model not selling in over a year either in neighborhood.
Product: Debt collection

REQUEST FOR OVER 2 YEARS FROM THE CREDIT BUREAUS VALIDATION OF DEBT WHICH THE CREDIT BUREAUS HAVE FAILED TO VALIDATE THE DEBTS ALL THREE CREDIT BUREAUS HAVE FAILED TO VALIDATE THE DEBTS FOR OVER THREE YEARS ACCURATELY, I HAVE SENT 1ST LETTER, 2ND LETTER, 3RD LETTER OF VALIDATION WITH NO SUCCESSS.

I HAVE SENT LETTER TO THE CREDIT AND HAVE BEEN EXTREMELY UNSUCCESSFUL IN RECEIVING ANY INFORMATION REGARDING THE VALIDITY OF THIS DEBT SO NOW I AM REQUESTING YOU STEP IN IT HAS BEEN 2 YEARS I AM REQUESTING VALIDITY INTO THIS DEBT COMENITY BANK/VCTRSSEC - score impact : low Summary Details Transactions Source : Credit Report As of XXXX XXXX, XXXX Account # XXXX Account Status CLOSED_CHARGE_OFF Payment Status Current Balance Owed {$0.00} Payment Amount {$0.00} Credit Limit {$610.00} Recent Payment History - - - - - - - - - - - - Days Late - 7 Year History : 30 : 0 60 : 0 90 : 0 Creditor Remarks Purchased by another lender Account Type Charge Account Last Payment XX/XX/XXXX Account Verified XX/XX/XXXX Date Opened XX/XX/XXXX High Balance {$860.00} Term Length 0 Month ( s ) Payment Frequency -- Account Rating Payment after charge off/collection Account Description Individual account, Revolving, Charge Account