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

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that 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 block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2021 ; XXXX XXXX  XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit card

Bank of America opened a credit card account in XXXX of XXXX  without my knowledge or permission. They used a XXXX party that resulted in a hard pull on my credit report and they haven't corrected it even after I brought it to their attention. 

I received a credit alert from my existing accounts that I had applied for a credit card. Since I hadn't applied for credit I initially believed this was an identify theft situation and I locked my report and asked Bank of America to correct my report. 

Only after a significant amount of time and reading stories about how Bank of America was opening accounts without customer permission did I realize what had taken place. 

I have multiple personal and business accounts with Bank of America so this remains shocking that that they would do this to me.
Product: Credit card

On XX/XX/XXXX my debit card was declined and I should have had plenty of money in my account. I logged into my banking account to see large payments to my capital one credit card that I did not authorize. I tried to log into my capital one account but I was locked out. I called them to find out my account was hijacked with username, password and address changed. The capital one representative helped me get my account back and changed my address but failed to alert me that 30 minutes prior to this call a card had shipped to the address of the hijackers in XXXX. I live in XXXX  and always have. They made payments to the card from finacial institutions I did not recognize, spent all my travel points and drained my personal checking account with the hopes of having a higher credit limit. Then there were numerous charges made on my credit card at atms and online stores that were declined. All these unauthorized charges were returned, had insufficient funds or declined. On XX/XX/XXXX I called for a new card as advised to and they asked if i made charges in XXXX. I had not and was informed that my card had shipped there. On XX/XX/XXXX capital one closed my two credit card accounts stating there was nothing I could do because the returned payments and insufficient funds was against their policy. Prior to this identity theft I had never had a returned payment, insufficient funds or even a late payment but they closed my accounts anyways even though it was clearly unauthorized charges and identity theft.
Product: Credit reporting or other personal consumer reports

I just submitted a previous claim for the XXXX data breach in which I was told by XXXX I was a victim of identity theft and my.infromation was misused illegally I also attached a form as seen below I was indeed a part of the data breach I included the items that are on my report which is harming it and was not done by my consent legally these are the hard inquires and items on my report that was fraud Credit acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hard inquires illegally done follows. 
XXXX XXXX XXXX XXXX al XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I attempt3d too dispute these items send innletters nothing has been done by XXXX during this data breach I made multiple calls and trips too post office and filling out forms they send me and return them included these in attachment from them I was a victim of identity theft and too fill out form Please attach the inquires too my last claim I submitted I'd number XXXX for the cfpb it wouldn't let me upload another attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of several accounts that appear on my credit report. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and I am requesting that they be removed immediately. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C 1681 section 602 A, I have the right to privacy. Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

Furthermore, under 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.

I am requesting that these accounts be removed from my credit report immediately, as they are inaccurate and have been reported without my written instructions. Thank you for your attention to this matter. Also Remove immediately all inquiries from all 3-reporting agencies. Remove all address from my reports and phone numbers, my Name is. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please also remove all employment names from my reports. thank you in advance.
Product: Credit reporting or other personal consumer reports

I sent a letter on ( XX/XX/2024 ) to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : its also state 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 may make any consumer report containing any of the of the following items of information any other adverse item of information, other than record of conviction of crimes with antedates the report by more then seven years. 

XXXX XXXX XXXX XXXX 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

T

he credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 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. This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

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

We have a 30-year fixed rate mortgage through TOWNE MORTGAGE COMPANY, which began in or around XX/XX/XXXX. Our monthly mortgage payments were {$1100.00} up until last XXXX, when they suddenly spiked ( without notice, since we are set up for an automatic deduction every month ) to {$1400.00}. They have remained at this level since last XXXX. I have contacted the mortgage company twice and my wife has contacted them once. We have been provided with varying explanations ( property tax increase, home insurance increase, a combination of the two ). 

As of my XXXX statement ( XXXX ), we have paid {$1200.00} towards the principal, {$2400.00} in interest, and {$3600.00} in escrow so far this year, which is absolutely ridiculous. I live in a tiny little XXXX country town in rural Michigan ( though hopefully not for too much longer ), where no one would vote to pay for increased taxes on anything, and I'm certain that my insurance is nowhere near anything that expensive. 

Twice I have been told that they would look into it and notify me of what they found out, but they have never followed through and our payment has not returned to the originally agreed-upon payment. It is absolutely fraudulent that I am being charged {$720.00} per month for taxes and insurance.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX/201 XXXX  XXXX XXXX  XXXX Balance : {$15000.00} XXXX XXXX  XXXX Balance : {$81.00} XXXX XXXX Balance XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Dear TransUnion Legal Department, This letter serves as my formal dispute and final demand for compliance pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I am disputing the accuracy of the items listed below that remain on my credit report, despite my prior dispute letters sent on XX/XX/XXXX and XX/XX/year>. 

Your continued failure to properly reinvestigate and correct these inaccuracies constitutes a willful violation of the FCRA and directly reflects the misconduct outlined in the CFPB lawsuit against TransUnion ( CFPB v. TransUnion, Case No. 1:22-cv-01880 ). That lawsuit addressed TransUnions failure to honor dispute obligations and accurately report consumer credit information. 

Disputed Accounts ( Require Deletion or Legally Sufficient Verification ) XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis and Demand for Verification : Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I formally request : The method of verification used for each disputed account ; A full description of the reinvestigation procedure followed ; All documentation TransUnion received from furnishers to support the continued reporting of these accounts.

Legal Deadline for Response : You must complete your reinvestigation within 30 days as required under 15 U.S.C. 1681i, and provide the results within 5 business days. However, I demand the above documentation be provided to me no later than 15 calendar days from your receipt of this letter.

Failure to Comply : If you fail to provide the requested documentation and verification : All disputed items must be immediately deleted from my credit report, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ; This will confirm that a valid reinvestigation never occurred, and the accounts are unverifiable ; I will initiate legal proceedings under 15 U.S.C. 1681n and 1681o for statutory, actual, and punitive damages ; Formal complaints will be filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the New Jersey Attorney Generals Office.

This is a final opportunity for your legal team to correct your reporting errors and comply with federal law. Continued noncompliance will trigger formal enforcement action.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has to delete these negative items fro my credit report ... also thay have not responded in the 30 day time frame.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, the affiant, submit this affidavit with clean hands as the living woman to address unauthorized actions by this credit reporting agency, known as XXXX, XXXX, XXXX and other third party companies. 

This affidavit addresses serious issues, including character defamation and identity theft, as defined in 16 CFR 603, which prohibits the use of another person 's identification without authority.

In relation to the permissible purposes of consumer reports under FCRA 604 ( a ) ( 15 USC 1681b ), it is asserted that there was no written consent from me, the consumer, for this consumer reporting agency to furnish and house my information without lawful authority. While 15 USC 6802 may suggest exclusions, it also states that the consumer reporting agency is in accordance with the Fair Credit Reporting Act.

According to 15 USC 1681a ( 2 ), transactions between the consumer and the person making the report are supposed to be excluded from my consumer report. These rules of construction govern the terms, emphasizing that such actions must not appear on my report without proper authorization.

With this in mind, if you assert that I received goods or services in exchange for any of these unauthorized transactions reported on my consumer report, you must provide a signed and notarized affidavit from a party within your corporation who is authorized to do so and possesses firsthand knowledge of these transactions.

I demand the following actions to protect my reputation as the consumer : 1. Delete all risk factors immediately to safeguard my reputation.

2. Remove all inquiries permanently from my credit report.

3. Remove any fraud alert once all matters have been resolved.

4. Eliminate any delinquencies immediately.

5. Restore or delete any late payments from my credit history.

The presence of multiple installment and revolving accounts with delinquent or derogatory statuses, along with insufficient credit history, negatively impacts the consumer 's credibility and perceived financial reliability, potentially limiting their access to loans, credit, or housing, while also representing private matters that should not be publicly disclosed.

The principle that is it a fault to meddle with what does not belong to or does not concern you underscores the gravity of these violations. My rights have been compromised, and I hereby demand the blocking of associated information pursuant to FCRA 605 ( b ) ( 15 USC 1681c-2 ). My request to block is made in good faith and is not based on any misrepresentation of facts. My nonpublic personal information has been unlawfully disclosed, resulting in defamation and emotional distress, which have hindered my pursuit of happiness.

Furthermore, I will not accept a wrong without remedy. Should these matters not be resolved promptly, I will pursue civil action under 12 CFR 229.21 ( Civil Liability ) and 15 USC 1681n for each instance of non-compliance.

I affirm that all statements herein are true and correct, and I have attached a list of accounts opened due to identity theft.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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. 


EQUIFAX 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
Product: Debt collection

XXXX representing capital one bank indicating I owe full balance {$6200.00}. I never even had credit that high let alone owe this bogus attempt to collect. it says at the bottom Because of the age of the debt we will not sue you and we will not report it to a credit reporting agency ... Totally a scam.
Product: Mortgage

I paid off my mortgage with PNC Mortgage XXXX XXXX, 2016. After checking with the XXXX County Recorders office as of XXXX XXXX, 2016 there is no record of a release of mortgage. I think six weeks is more than enough time to file the paperwork ( which I already paid for ).
Product: Credit reporting

This needs to come off my credit report because XXXX took it off my report and updated everything this is something that I had closed with my son so now it 's my son 's responsibility is not linked to me anymore unfortunately TransUnion does n't like to do their job correctly I feel like all the credit report should be aligned as XXXX if XXXX says it was taken off then the other XXXX should say that as well Transunion needs to close this its hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open a credit card from XXXX XXXX XXXX from XXXX to XXXX. The account # is XXXX on my credit report.
Product: Credit reporting or other personal consumer reports

I disputed account XXXX with all XXXX credit bureaus and Experian is the only credit bureau that did not delete this unverified account. They notated my credit report that they completed investigation of FCRA dispute but did not provide proof of their investigation or how the account was verified. I contacted the creditor, and they did not find this account so how was Experian able to verify this account? Furthermore, the account is reporting a balance when the debt has been uncollectible. The statute of limitations is 4 years in Texas and according to my credit report this unverified account was opened in 2017. I need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. If there is no proof, then follow suit behind XXXX and XXXX and remove the following account from my credit report. XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX, have been a customer of PayPal for over 8 years, never had any problems with the account and have always been in good standing with my account. However, once I allowed my business partner access the account, I was arbitrarily placed under investigation for what paypal labeled as unauthorized or questionable transactions. I was asked to identify myself and I provided all of the information that was requested. However, even after they admitted to being identified successfully, I was rendered unable to use my account thus costing me business, even though I explained to them that I dissolved my business relationship with my partner and secured my account by changing my password. The issue that I have is two-fold : 1 ) Paypal arbitrarily terminated my account without due process.

2 ) Paypal has failed to refunds the money in my account totaling {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.