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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.
Product: Credit card or prepaid card

I was shocked to learn that Synchrony bank closed my account on XX/XX/XXXX, not because I wasn't credit worthy, or because my balance was past due, but because two auto-draft bank payments in XXXX and XX/XX/XXXX ( my account was on autopay so I didn't miss a payment ) kicked back. I wasn't even aware there was an issue and was never notified. I spoke to a representative who could not help me, and then a manager who said their accounts automatically close on customers the second time a bank draft kicks back. Even though again, it was 4 months ago and I was never notified of an issue. I also paid the company for missed payment insurance through them which now in hindsight seems like a scam as my spouse did lose his business due to covid-19 and we pay from a joint checking account. Ironically, his account is still open. They never asked me about this insurance coverage or to apply it, this closure came out of nowhere. I just took it off autopay because I don't know what else to do, I even offered to pay it off ( full balance ) and they still declined to restore my good standing. This does not feel right, it is not fair to blemish my credit without giving me any opportunity to make it right or resolve the issue.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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
Product: Consumer Loan

Collected 2 payments when only authorized to withdrawal one. Credited one payment back & now stating that last payment was on XXXX/XXXX/16 when in fact it was made XXXX/XXXX/16.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I have fraudulent accounts, and credit inquiries, which I did not give permission for my credit to be ran. I also have fraudulent addresses on my credit report I have listed the fraudulent addresses. I also have my name spelled wrong on my credit report I have and wrong phone numbers. I will list my current address and current phone number and name I want listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This account is not mine and I do not want to see this account in my credit report! Could you please remove it as soon as possible because its not mine.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right, And lists of unauthorized 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: Consumer Loan

While XXXX, Georgia in XX/XX/XXXX I purchased a vehicle ( XXXX Dodge Charger ) from XXXX XXXX on XX/XX/XXXX. At that time my Credit Score was a XXXX ( See attachment ) and my APR was set at 5.29 % ( See attachment ). The Lien was with Fifth Third Bank ( See attachment ). On XX/XX/XXXX, online I notice a article stating Fifth Third Bank from " XX/XX/XXXX to XX/XX/XXXX charged XXXX and XXXX customers more interest on auto loans. Georgia was XXXX of the XXXX targeted location. In the military we 're already targeted by companies and now I would like to know if i 've been targeted by Fifth Third Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B CHILD SUPP   XXXX B CHILDSUPPORT XXXX XXXX  XXXX XXXX B XXXX XXXX XXXX XXXX XXXX XXXX  XXXX B XXXX XXXX XXXX B US DEPT VETS  XXXX B US DEPT VETS XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX*
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPBs lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent letters regarding this debt on my report, for one the company took longer thank thirty days to respond. For two, the original creditor deleted the debt do to information not being substantial. So if credit one the ORIGINAL CREDITOR! deleted the debt why is midland still reporting it. Also their are inaccuracies midland has documented. Im requesting for this account to be deleted.
Product: Credit card

Fraudulent Credits and Debits were made prior to and leading up around XX/XX/year>. I have reported fraud and identity theft to the company previously and they allowed the card to stay open and more credit to be extended and then re charged to the card all without wet signature or my knowledge
Product: Mortgage

Bank of America is reporting an inaccurate account on my credit report. They are stating on my credit report that an account was included in bankruptcy on XXXX XXXX, 2012 when my bankruptcy was filed on XXXX XXXX, 2012. I sent them a dispute letter to verify all this information and it was ignored. I disputed with the credit bureaus to get this account updated as well and they continue to report the inaccurate information.
Product: Debt collection

I understand that I have a debt with XXXX but they have been repeatedly sharing my sister 's phone number with other agencies when I never supplied that phone number to them.
Product: Debt collection

I had received a letter saying that I have a debt from XXXX XXXX saying that I owe money, when I dont live in the places that XXXX XXXX services to and I dont have any phone bills or bills in general with them. I live in california and the only bill under my name that I pay for currently is my only credit card bill ( XXXX )
Product: Debt collection

I noticed this creditor on my report last year. Saw that it was for a XXXX bill. XXXX is not on my credit report nor was I notified by them that I had a past due balance. I called XXXX and was told that I didnt owe anything. Then I spoke to someone else from XXXX that said there was a last due but upon returning equipment, the balance changed to XXXX. 

I spoke with this company to get the reporting removed from my credit report since I dont owe the balance, no luck. I decided to just pay the balance to get this taken care of being that I'm applying for a house in a couple of months and I cant have this messing up my score. So far, I've sent several letters to negotiate a settlment but have recieved no reply.
Product: Prepaid card

My father gave me a {$200.00} gift card that he purchased at probably a XXXX grocery store a few years ago. The card doesn't expire until XX/XX/2030 so we put it away to use later. When we finally did try to use it, it got denied. We called the company XXXX XXXX and all they would say was that they flagged the card for fraud and that we would need to use their website to start a process to get a new card from them. They walked me through using their website but in the end it always " fails '' to submit the request. So they said I can download the " XXXX '' app on my app store to send them my license and photos of the card. This did not seem safe at all. I found multiple reddit posts accusing this company of the same issues and that CFPB was the only way to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries below aint mine they are fraudulent.Please remove as soon as possible. They should not be on report. 
-- -- -TRANSUNION XXXX -- XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I disputed an item that needed to be deleted. I list the opening date of the account, and account number. I listed the reason why this account should not be on my credit report. I attached supporting documents to support my claim. 

1XXXX XXXX XXXX XXXX  According to the provisions of the fair credit reporting act, this disputed item must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.
Product: Debt collection

PMAB , LLC has submitted false information on my credit report since XX/XX/XXXX. They claim that I owe them {$3200.00}. I'm not, nor do I know the individual whose name is on that bill. I mailed them a certified letter requesting validation of the debt. They received the letter on XX/XX/XXXX but I have not heard anything back from they regarding this issue. They are in violation of my rights as a consumer under the FCRA.
Product: Debt collection

I had a old account and Chex system is reporting this on my file when I reach out to tell them I had a account why in 2000 and that this was open fraudulently I was a victim of identity theft I have over 15 to 16 data breaches where my information has been stolen. I let check systems know that the XXXX XXXX XX/XX/XXXX and the XXXX and all of the inquiries are not mine and I would like for them to be taken off. If not, I will have to resort in getting a lawyer. They can not give me a signed copy because this was opened up fraudulently online.
Product: Debt collection

Cosigned on lease for college housing. A year later I get a phone call from Procollect ( a collection agency ) saying I owe money for " damages '' to the apartment after move out. I paid the debt that day. This was the only communication I have ever had from either the apartment complex ( XXXX XXXX XXXX XXXX ) or the collection agency but it is now on my credit report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXX XXXX XXXX, PA XXXX, but my credit report shows an outdated address as [ Old Address ]. I request that my current address be updated accordingly. 

3. Contact Information : The phone number listed on my credit report, XXXX, is no longer in use. I request that my new phone number, [ Your Current Phone Number ], be updated as my primary contact number. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my SSN or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ]. Thank you for your cooperation. 

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

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX2 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted Chase Credit Card on XX/XX/XXXX via my account to request a response for the " Purchase Interest Charges. '' Since XX/XX/XXXX, I have been charged {$420.00} in " Purchase Interest Charges. '' I am about half my credit limit and make payments before they are due and far above the minimum amount. This is the only credit card I have. 

I received a response on XX/XX/XXXX. I responded to them on XX/XX/XXXX after no action was taken to remove the " purchase interest charges. '' I received a call from " XXXX '' on XX/XX/XXXX from the Chase Credit Card Executive Office. After discussing the additional monthly charges, he offered to remove the most recent one XXXX XXXX for {$100.00} ) but indicated the charges would continue as long as I have not paid the balance in full.
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 3 credit bureaus to validate these Items ( A ). It is not permissible to fail to validate these reporting Items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My accounts with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports