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

There are multiple fraudulent inquiries being reported on my credit report by XXXX and Trans Union. I already contacted XXXX XXXX Trans Union and disputed/requested for the fraudulent inquiries to be removed. There has been little to no progress. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681, these inquiries must be removed expeditiously. Furthermore, I'm seeking legal action in regards to these inquiries being reported to my credit reports. The inquiries are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I got an alert from the credit reporting agency that I have a collection on my crtedit report from Amsher Collection service. I have never received any written information about this dept and was not given the oppertunity to dispute or request validation of this debt. They added a collection and then called me to settle the debt after the damage was already done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following the program steps outlined in my Identity Theft Report, I sent letters to the following debt collection agency on XX/XX/XXXX : NATIONAL CREDIT ADJUSTERS They were notified that I had been a victim of identity theft and I included in the correspondence to them : Identity Theft Report Copy of Credit Report FTC Notice to Furnishers of Information The written notice included the accounts listed on all 3 major credit reporting agencies, XXXX, XXXX  and XXXX. The accounts listed on the credit reports as " collection '' accounts are : NATIONAL CREDIT ADJUSTERS -- -- Partial Account # XXXX XXXX XXXX Loan {$260.00} NATIONAL CREDIT ADJUSTERS -- Partial Account # XXXX BALANCE CREDIT Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/XXXX Type UNKNOWN Amount {$550.00} Subsequently, the accounts were removed from my XXXX Credit report ONLY on XX/XX/XXXX but NOT removed from my XXXX or XXXX  report. Since the accounts were originally reported to all 3 credit reporting agencies but only removed from XXXX, is unacceptable and has had a severe impact on my inability to receive credit and is in direct violation of section 605B of the Fair Credit Reporting Act. The accounts were opened fraudulently as shown in the numerous documents sent to National Credit Adjusters including police reports, forged checks, police witness statements and my FTC Identity Theft Report. I would also like to mention that I had several other fraudulent accounts that received the same information and all have been removed from all 3 credit reports, only the 2 NATIONAL CREDIT ADJUSTERS remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to inaccurately display innacurate employment data on my credit report. The report states that my employer is XXXX which is wrong the correct employer is XXXX, I have repeatedly disputed this information only for Transunion to not investigate anything and reappear on my report. I also included a pay stub from my employer XXXX. I have also requested several time for Transunion to send me information on how they verified info and I would like copy of the proof or verification. They have never sent me that information or proof that I have requested. I have been a victim of credit fraud in past and it took me years to clean the pain from that.
Product: Checking or savings account

Well in short for several years now, I have been trying to pen a personal checking account witXXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One 360. I wasn't ever given a reason at any time why they wouldn't extend to me an account. Every time I went to open an account, they open it and after a second verification process, they close the account. when I speak to a supervisor all they can tell me is there are note in my profile that say do not open an account for me, but they have the right to not share the reason and that's all I get so all I want to do is know the reason and all I want to do is to resolve the matter and repair and reinstate my relationship with the institution please help me thank you. 
Dates Capital One 360 XX/XX/XXXX Dates XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dates XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

I purchased a book from XXXX XXXX XXXX in XXXX. I never received the book. I purchased again in XXXX. When the book was set to arrive the second time, we followed it + found nothing upon delivery notification. No book. No delivery driver. No truck. Nobody. I contacted XXXX XXXX XXXX who told me to check with USPS. USPS did the same. It's always the same dance and nobody does anything. So I disputed it with my credit union like I should but they have started pushing all disputes into this gray area where they demand documentation that does not exist then deny your dispute if you don't submit anything. I would like to ask all involved parties if they have ever been sent anything from a company who couldn't even deliver the item they purchased. Navy Federal has decided that all disputes require documentation and any dispute that doesn't receive it will be denied. That's a racket. I would have liked to known I was joining the mob before I joined it. That feels XXXX and XXXX but whatever.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. [ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

-XXXX XXXXXXXX -XXXX  XXXX -XXXX  XXXX XXXX -XXXX XXXX XXXX XXXX PLEASE DELETE ALL THE INQUIRES OFF MY ACCOUNT ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my Identity Theft Report and proof of my identity. 

A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, and XX/XX/2023, I sent letters to Equifax, XXXX, and XXXX disputing inaccurate items being reported on my consumer credit report ; however, they have failed to respond in a timely manner and were unable to provide me with a copy of verifiable proof regarding their investigation and the validity of the accounts being disputed.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax, XXXX, and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that are posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

I open a XXXX account with a line off of {$750.00} credit limit on XX/XX/XXXX I paid it off on XX/XX/XXXX I open another account with XXXX around XX/XX/XXXX of XXXX. They reported late payments on that account. Ive been back-and-forth with them over a year to correct their mistakes and try to close the account and get a refund. They refused to refund my money they refused to correct the mistakes on that account, and still in accurate information destroyed my shoppers cart and my reputation for my credit worthiness reporting app. I also been going back-and-forth with XXXX experience and now XXXX on an FRCA 15 USC 1681. I am due for an accurate credit report experience XXXX and XXXX XXXX help open a different open dates different closes dates last reporting dates different dates of last activity late payment dates is different on all three and Im sitting pictures so you can see for yourself which is a violation of my rights, Ive been disputing this. They failed to comply with the laws on the FCRA as their duty to correct the information on my credit report which after 30 days it have to be deleted.
Product: Credit card or prepaid card

There were 2 charges made on my credit card. One occurred on XX/XX/2020 and the other XX/XX/2020. The respective amounts being {$1400.00} and {$1000.00}. Once I reviewed my XXXX Statement I immediately notified chase bank on XX/XX/2020 ; well within the 60 day time period. I also contacted the company " XXXX '' but was unable to reach a live person at the phone number provided. I have never provided this company any documentation or authorization to make a purchase. I still do not know what was purchased. My first dispute filed with Chase resulted in a decision that the charges were valid. They offered up no information other than the reporting of the unauthorized charges should have been made quicker? I never lost my credit card so I had no urgency to close my account. It was only after review of my statement that I noticed the charges and reported them immediately. I asked for further review of these charges and Chase again is holding them valid and as of today has provided little in terms of supporting documentation that these are valid charges. It appears that XXXX XXXX is a KYC mandated company and I never provided anything to them so I am shocked at Chase 's decision. All activity was done online as well and I was the victim of a keylogger trojan virus that I found out about after at a later date. In closing I have been with Chase a long time. I pay my bills on time and have had little issues in the past. This is a surprise to me and at least I want to see the supporting documentation that Chase has in this matter. I remain wholly unsatisfied with the decision. Best Regards. XXXX XXXX
Product: Checking or savings account

I opened an account online with Truist Bank. I deposited a check in person with a teller at their branch for {$13000.00} that I received as a 401K loan from XXXX XXXX XXXX. 2 days later my account was closed by Truist Bank without notifying me. I contacted customer service and was told that my account is under review because of possible fraud. I explained that the check is not fraudulent and that I have the corresponding stub from my 401K company, they can call XXXX  and verify. Meanwhile they took the funds from my 401K company and have not released them to me yet. I was told I would receive a letter in the mail within 10 business days. I received the letter but still no explanation and no check. It has now been 9 days and Truist is still holding my check. I was told I would receive a call from an analyst and still havent received one. I need that money to pay my bills otherwise why would I have taken a loan out!!? Truist Bank offers no resolution, customer service apparently does not communicate or interact with the analysts at the fraud department because there is no further information provided. I have contacted 30 times and keep getting the same thing. Went to the branch 2 times to no avail. Spoke to several representatives. I need this check so I can pay bills. Its not fair that I have been waiting for them to release my funds for something thats not fraudulent and them closing my account without so much as a phone call or email or anything. The ONLY way I had of knowing my account being closed is by attempting to login online. Otherwise I would not have known. I am seriously struggling at this point to pay bills as I depended on that loan to do so. Please assist me as soon as possible so that I may be able to get the money I LEGALLY borrowed from my 401K. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX, {$3200.00}, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 
15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent a letter out XX/XX/XXXX to XXXX, transunion, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I want the CFPB to publish this description on XXXX so that others can
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts not known to me or FTC violations : XXXX XXXX XXXX XXXX Original creditor : XXXX  {$680.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$680.00} {$680.00} Payment Info Original loan amount {$680.00} Balance {$680.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX  XXXX XXXX  XXXX. 
{$710.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$710.00} {$710.00} Payment Info Original loan amount {$710.00} Balance {$710.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$920.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$920.00} {$920.00} Payment Info Original loan amount {$920.00} Balance {$920.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$1000.00} Balance updated XX/XX/XXXX all were filed to FTC
Product: Debt collection

My mother was sent an email about an overdue balance on my checking account. The email that my mother received detailed my account information and the balance overdue. My mother is not associated with the account in anyway and only my email address is listed on the account. The collection agency that sent the email is called XXXX. XXXX shared sensitive/personal information with a XXXX party not associated with the account.
Product: Credit reporting or other personal consumer reports

I did not give TransUnion, XXXX, or XXXX permission to release any information about any alleged bankruptcy furthermore you are selling this information for profit and the rights of my intellectual property is held in trust you are now trespassing upon private estate property that is copyrighted protected and this is public knowledge.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX  XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

An account with a company called XXXX XXXX has appeared on my credit report late last year. I called this company at XXXX to inform them that I had not applied for this credit card. 

They have taken more than 30 days to get back to me and now this fraudulent account is hurting my credit score. I have already provided them with a police report that documents this account as fraud.
Product: Credit card

I applied for the Aeroplane card because the incentive said XXXX XXXX XXXX XXXX passes. After I was approved, the passes showed up in my account with several other benefits but now they have disappeared. I have spent several days calling customer service and being transferred from person to person. So far, I have talked to XXXX, XXXX, XXXX, XXXX and account supervisors XXXX XXXX XXXX as well as local bank staff XXXX. Each time the person puts me on hold and then I get disconnected or transferred to somebody new and have to explain the entire issue all over again. I have contacted their XXXX XXXX XXXX XXXX NOBODY has helped me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax and XXXX all stated that account number ending is XXXX was accurate as well as complaint. After looking further into my credit report I noticed that All 3 Failed to provide me with the utmost accuracy and compliance that I needed in my credit file as it affects my every day life. 

Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date of First Delinquency IS MISSING Creditor Classification IS MISSING XXXX XXXX also states that they closed my account which isn't true. I asked them to close my account. It makes me look unworthy of credit when it states untruth as they state. 
LATE PAYMENTS ARE INCORRECT because I don't have a XXXX to even start where the late payments begin. Please Remove late payments and Mark paid as agreed or Delete from my Report Section 607 ( b ) of the FCRA provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.In some cases, such as when certain account or other information fields on consumer reports are logically inconsistent with other fields of information, a consumer reporting agency can detect the logical inconsistencies and prevent the inaccurate information from being included in consumer reports it generates, thereby avoiding the consumer harm to individual consumers that can result from reporting such inaccurate information.In addition to provisions authorizing Federal and State enforcement, [ the FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees.Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees.A violation is willful when it is inconsistent with authoritative guidance from a relevant agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy. 

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion keeps failing to uphold the law. Attached are my supporting documents. Information not VALIDATED per my request. 3 certified letters.