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

Urgent Complaint Under the Fair Credit Reporting Act ( FCRA ) - Request for Immediate Removal of Inaccurate and Unverifiable Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. TransUnion has been reporting inaccurate and unverifiable information on my credit report, which has caused me significant harm. 

I have obtained a letter from the court, which clearly states that they do not report information to credit bureaus. Additionally, I have a letter from XXXX XXXX indicating that an opt-out and freeze has been placed on my file. Despite these documents, TransUnion continues to report the inaccurate information. 

This letter serves as a cease and desist notice, demanding that TransUnion immediately stop reporting the inaccurate information and provide proof of verification for the information they are reporting, including actual documents and wet signatures. I am providing TransUnion with 15 days to remove this information from my credit report, failing which, I will explore legal options and consider filing a lawsuit for the damages caused by this inaccurate reporting. 

Moreover, on XX/XX/XXXX, I received a report from TransUnion stating that the bankruptcy on my credit report was verified. However, they failed to provide any additional information or documentation to substantiate this claim. After filing complaint number XXXX  TransUnion again sent a generic response, stating that the bankruptcy was verified, without providing details on who is verifying this information or how it was verified. 

This lack of transparency and failure to provide proper verification is a direct violation of my rights under the FCRA and 15 U.S.C. 1681. I demand that TransUnion immediately rectifies this situation by providing the required verification with actual documentation and a listed verified source. Failure to do so will result in further action on my part to ensure my rights are protected.

I have Attached letter I sent to Courts Letter Courts replied to explaining they do not report XXXX XXXX XXXX and Opt Out XX/XX/ Transunion Advising they have Verified Bankruptcy but no information on who are How they verified they information
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$8700.00} Since the original update Charge off it has been repeatedly updated as charged off every month or recent months. This continuous updating constitutes an inaccurate payment history for a charged-off account. Such misinformation falsely manipulates the statute of limitations. Your failure to properly investigate this account has infringed upon my rights. I demand the deletion of the account immediately.

The inaccuracies are significantly damaging my credit score In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, please provide the names and business
addresses of each individual you verified with above so that I may follow up. Additionally, I request an updated copy of my credit report following your reinvestigation Despite several attempts to have you correct the errors on my report, this issue remains unresolved. Consequently, I have escalated this to a factual report FOR THE 6th time based on my own investigation. All my reports have been duly documented and saved, along with your failure to correct and/or delete the inaccurate accounts. Given these inaccuracies and your continued failure to rectify them, I demand the immediate deletion of this account from my credit report. If these accounts are not deleted after this factual report I will have to seek the help of the CFPB or Legal Action on the next steps to protect my rights and reestablish my ability to obtain credit. These inaccuracies are preventing me from obtaining the credit and lending rights I require and those requests to my personal and business lending facilities have been duly noted over the past 6 months.
Product: Payday loan, title loan, personal loan, or advance loan

Every other Friday is a different amount on payday. I check the balance and it's up {$200.00} more
Product: Credit reporting or other personal consumer reports

Credit reporting agencies have multiple charge offs on my credit reports. IRS considers any canceled or forgiven debt as income. Income is not allowed to put on my credit report. Credit reports are used to track my credit history. Credit reports do not include information about my income or employment status. 

Experian shows 3 XXXX XXXXXXXX charged off Accounts & a charged off account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

Paypal ( XXXX, XXXX  ) checking account services use of holds and or authorizations for inordinate periods of time can harm consumers. E.g. the bank, Paypal, in some cases, will place an authorization for more than 21 calendar days on common types of transactions, unnecessarily withholding funds long after the release by the vendor with whom the funds were initially authorized. 
On XX/XX/2019, I utilized a Paypal debit card to authorize the opening of a folio  at a nationally recognized hotel chain. The authorization was a standard amount of {$50.00} USD. After a week and a half the authorization was still pending and the funds continued to be withheld by Paypal. On or about XX/XX/2019, I contacted the vendor, hotel, directly and they informed me that they had released the hold or authorization two business days prior to my contact. I then contacted Paypal, on or about XXXX XXXX, to inquire as to why the funds continued to be withheld. The customer service representative informed me of their policy to hold funds for a minimum of 21 days from the date of transaction, notwithstanding the vendors action to release the funds, the policy of the bank was to withhold the funds for this inordinate period of time, regardless. I was informed that it was possible to have the period of time shortened and Paypal would only do this if a series of onerous and burdensome actions were undertook by both the account holder and the vendor. First, it was necessary for me to reach out to a specialized customer service representative, in an understaffed department at Paypal, another inordinate wait time, with limited opening hours. This representative would email me detailed, lengthy and impractical set of instructions for early release of 'authorized funds, ' which I was responsible to deliver to the business. As the account holder I would have to deliver these instructions, unsolicited to the vendor, personally, with great effort to convince them of my identity and the legitimacy of my request. I would have to convince the vendor to fax personally identifiable, sensitive and private information to Paypal, which they already had secure access to, including names, account numbers, address etc. Needlessly transferring a tremendous amount of risk, possibly compromising my personal information and exposing me the account holder to identity theft. This information would than have to be verified by Paypal, again, causing further delay. Paypal, and other federally insured financial service institutions, administering basic checking accounts should not be allowed to withhold debited funds, inexplicably, long after the vendor has fully released the hold on the funds, they initiated.
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681.
Product: Credit reporting or other personal consumer reports

Someone did fraudulent activity in my name with this loan. I had no knowledge of this account. I reported Identity Theft to all credit bureaus, and I don't know any other actions to take with this situation since I did an Identity theft report. I ask for this to be removed from my credit report because I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/2019, I noticed that there was an account that was reporting to my credit that I had not opened or authorized anyone to open in my name. I contacted Barclays via mail with no response from them initial. It took SEVERAL attempts and SEVERAL phone conversations to have someone in their fraud department look into this account. I received Barclays response, dated XX/XX/2019 a few months later, stated that I was not responsible for the fraudulent account. 

I noticed that Barclays still had the inquire on m credit report from when the fraudulent account was open. Im not responsible for the account, so I'm not responsible for the inquiry one would think. 

I sent a SECOND request to Barclays asking for the removal of the inquiry to be removed attaching the letter they sent absolving me of the account. Barclays response was very auto generated since they would've seen the account notes, Im assuming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except 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 an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ran my credit with out my permission
Product: Credit reporting or other personal consumer reports

I want these inquires to be deleted because i did not authorize these companies to run my credit its fraudulent.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows 9 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 

I noticed these inquiries dont have permissible purpose and according to FCRA it must have permissible purpose and according 15 USC 1681 B 07/19/2024 - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 

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

TRANSUNION continues to report one of my account XXXX XXXX XXXX as included in BANKRUPTCY the account was never in BK and I do n't even have a BK on my report. I contacted the creditor and they stated that its not them reporting the derogatory mark on my report. This is going on the 4th month now and I will be seeking legal against TRANSUNION. Also i requested that unauthorized inquiries to be removed XXXX response to me is they do n't investigate inquiries. TransUnion will not help at all. According to FCRA any mistake must be investigated.
Product: Credit reporting or other personal consumer reports

I DID NOT GIVE ANYONE PERMISSION TO OBTAIN MY CONSUMER REPORT THESE ITEMS IS REPORTED INACCURATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'll attach a letter from Barclays bank that I got in the mail. I noticed an inquiry on my credit report that I did not recognize. I'm writing this report to you so that your report can hopefully get that inquiry off my report, because it'll be there for XXXX yrs and it hurts my credit. I called Barclays because someone tried to open up an international credit card in my name. They had all my info but they had the wrong phone number. The credit didn't get approved, but still it's the fact they tried.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Creditors customer service representative.
Product: Debt collection

I requested validation of debt and company responded on XX/XX/2017 confirming that the debt could not be validated and would be deleted from my credit reports. Instead the company sold the debt and it now appears on my credit reports from a different collection company.
Product: Debt collection

A Company Professional Bureau Of Collections of Maryland , Inc. Is  trying to extort money from me on a alleged debt they say i owe. I don't know how they got my information but they are sending me personal information. I ask them to cease and deist but they are refusing to leaving me alone. they are not threatening me to pay. I filed and identity theft report with the FTC identity theft department. I don't know how they got my information i wanted to pay for sending misleading and false information under the FDPCA. I never signed any contracts with this company ever in my life. They stole my Identity to get my personal information.
Product: Debt collection

Apple Recovery contacted me Via mail on XXXX stating that I owed XXXX XXXX Bank a Balance of {$9200.00}. 

I have never had any type of loan with XXXX XXXX Bank. 

the letter contained nothing more than a Balance and showed XXXX XXXX Bank as the original creditor.. 

I was the Victim of Identity theft many years ago and my only thought was that this could have been the result of that action. 

I would like myself removed from the Collection effort and for Apple Recovery to cease contact with me regarding this account. 

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

I have contacted all three credit agencies. XXXX, XXXX, and Transunion asking for account validation/verification from XXXX XXXX. I have sent the disputes a year ago! not only have I have not gotten a response back but they are also still reporting on my credit report. I have proof of delivery to both the collection agency and all three credit bureaus via usps certified mail return receipt and original documents. The bureaus are not responding to my request to provide validation or delete the account, my score is suffering and it is stopping me from purchasing a home!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that were accessed with my information without my consent or knowledge. These accounts are a result of identity theft and I want to get this issue handled in an expedited manner. There is someone still using that XXXX account and paying it as it was me and another one they are not. this is destroying my credit. Also there are other accounts that I do not recognize ever having or applying or doing business with. Please help me get this resolved.
Product: Credit reporting or other personal consumer reports

On my credit report there are several errors, which I reported online and by certified mail to all 3 agencies as well as filed complaints with you which can be traced and nothing was done. I have also provided sealed letters and court certified letters and still it was not corrected. 1. My name which court letter was also provided is XXXX XXXX. XXXX. The child support account was paid on time and paid in full by XX/XX/year> and sealed certified letter was provided to you and all the agencies by the child support enforcement unit confirming my claim and all has been ignored and not corrected, even when I put the agencies on the phone with the agent to confirm that the infos were wrong and still shows. I do not have any negative history and yet for some reason this specific child support account shows late payments and etc, which is completely wrong and incorrect. The support account was court enforced and could not have had large or no payment because the court would not allow that, and it was paid and done with since XX/XX/XXXX. 2019, which my son turned XXXX at that point. This is just disgusting that I have provided everything and still shows all this nonsense. Also the payment history on my report is not at 100 % because of all is nonsense. Again all documentation and court certified letters were sent to you and all the 3 agencies by certified mail as well as online uploads.
Product: Mortgage

For the 2nd time in a year, Ditech has issued me a notice of non-payment on my mortgage. They have added a {$40.00} late charge and threatened to report the non-payment to credit reporting agencies. Because of the TERRIBLE on-line reputation of this company, I have been sending my monthly mortgage via USPS Certified Mail. 

Once again I am being told the funds have not been taken from my account so I am late. I have provided the USPS tracking number and the Ditech representative verified the USPS delivery. They still say it is not their problem and I am responsible for their inept handling of financial documents. 

I told Ditech I was willing to re-send the payment provided they credited my account the {$40.00} late charge and a {$39.00} stop payment fee. They refused and maintain the check has not cleared the bank so I never made the payment and consequently, I owe them the money and my tardiness will be reported to credit agencies. 

Ditech has independent confirmation of delivery via the USPS Certified Mail tracking system that my payment was delivered to their post office box in a timely manner. Courts of competent jurisdiction have ruled this independent confirmation is valid. The check got to them. They lost it. They need to cover any costs of replacement and not to report any deficiency. 

These folks have a TERRIBLE online reputation for financial shenanigans like this. The last time they pulled this on me, I objected and they ended up finding the check, crediting my account, and removing the late fee. I hope there will be some type of class action against them in the future to provide an impetus to straighten out their shoddy business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there and thank you for helping out, I wanted to reach out because I have a XXXX XXXX and have not been able to make a payment on my Apple Card. I tried to login however my XXXX  ID is locked out and in recovery mode and I have not been able to make a payment because of it. 

I never got a phone call, email to my XXXX regarding any lates or delinquencies, Ive NEVER been late ever on my accounts and this is surprising!! 

XXXX never sends any physical statements so how on Earth would I know Im late? I didnt get anything in the mail stating I was late or past due. 

I cant even login and attempted to make a payment on the phone as well
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capitol I have disputed these accounts on all three credit bureaus stating that they have the wrong information and they keep telling me i have wrong information. 

I paid version wireless and sent them the copy of my receipt and they stated that they would remove it, but Jefferson Capitol refused to remove it. 

XXXX and XXXX are reporting for the same XXXXXXXX XXXX XXXX. I gave them their two month Notice to vacate and they refuse to acknowledge the receipt of my notice. I requested that both companies remove this from my report as false and they refuse to remove it.
Product: Vehicle loan or lease

my vehicle was repossessed b y Wells Fargo  dealer services and I made arrangements to redeem the vehicle on  XXXX   XXXX . On  XXXX   XXXX  I talked someone  from Wells Fargo  dealer Services and paid the redemption fee they told me the vehicle had already went to   XXXX   XXXX    (  the action ) at  XXXX  that morning but I could still get the car back within  4 ho urs of paying the fees. The person I spoke to at  XXXX   XXXX  said they did not get the car until Monday  XXXX   XXXX . I believe  Wells Fargo Dealer Services lied to me to collect  on the debt, those  3 e xtra days I had to wait means my redemption fee would have been higher.  Wells Fargo Dealer Services allowed the reco very company to joy ride my car those 3 days or since the recovery because the key fob that starts the car and other electric components of the car is not working properly. The recovery company have to either hot wire the vehicle or made a very bad attempt to reprogram another key to the car to get it started
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the inception of the car loan XX/XX/XXXX, XXXX XXXX XXXX XXXX has failed to report all the payments I made and on time, and I just payed the entire loan off on XX/XX/XXXX, and to date I have not gotten any credit, and they failed to report it to Experian, XXXX  and XXXX. I have made multiple calls, including communicating to their corporate/office of the president for years, and their answer is " we are working on it ''. 
Last call I made out to them was today and they said that, '' they will look into it and to allow 7-10 business days ''. I will soon be applying for a loan, and credit score and history, especially of a paid off car loan would significantly increase my score which will give me better finance rates. I would appreciate your assistance in this matter. 
Thank you, XXXX XXXX.