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

I am writing to formally notify you of explicit inaccuracies on my consumer report. Despite several attempts to have these corrected, Transunion has failed to uphold its obligation under the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which requires you to conduct a reasonable investigation and correct any inaccuracies promptly.Despite my multiple attempts to notify Transunion of these inaccuracies, you continue to respond by stating that " the company that reported the information has certified to Transunion that the information is accurate. '' THIS IS A CLEAR FAILURE TO PERFORM YOUR OBLIGATIONS UNDER THE FCRA 611. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I have sent multiple letters to Portfolio Recovery Associates requesting a signature as verification for several debts they are attempting to collect. I am not responsible for these debts, as my personal information was compromised due to credit bureau data breaches, leading to fraudulent accounts being opened in my name. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In response to my letters, Portfolio Recovery Associates has only provided statements related to the accounts they purchased from the original creditors. However, none of the documents they have sent include my signature or indicate when these accounts were opened. 

I have sent certified letters on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX and each time I have received the same response without proper verification. I am requesting that these debts be fully validated with documentation that includes my signature or be removed from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX  XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX
Product: Money transfer, virtual currency, or money service

I made multiple transactions with Coinbase over 2/3 days. When I made these transactions with my card I was charged the amount in pounds, however when it showed up in my account it was in dollars. I did not notice this until I changed the currency used on the app to pounds. I have attached all of my transactions with Coinbase along with the transaction from my bank account ( XXXX XXXX. If you look at the times on the transactions you can see which related to each one.
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied for a Frontier Mileage Credit Card and Barclay bank on XX/XX/XXXX. We were approved and never received the card but received a bill on XX/XX/XXXX for the {$89.00} yearly fee. 
We called and explained that we never received a card in the mail. We live in an area that doesnt use mailboxes and we have a po box , and apparently Barclay Bank does not send to po box ES so we gave our physical Address but explained that the zip code needed to add 4 extra numbers, which is typical, since the mail carrier would know that we use a Post Office Box. 
The representative said she was entering the situation in the notes and could clearly tell that the card had never been received or activated. She said she would try again as before the card was not received. Yet we did begin receiving late notice charges of {$29.00} for the initial yearly charge of {$89.00} yearly fee for the mileage card. 
We again spoke to a representative, XXXX employee # XXXX on XX/XX/XXXX. We clearly explained we wanted to cancel the card because we never received it and so could never activate it. At this point we were well past the amount of calendar days we had to spend the minimum charges to receive the award miles. He again said he could see that the card had not been activated and he again tried to assure us that the card would be resent and we would have the dates recalculated to receive the miles. 
At this time we are still receiving late fees on a card that we never activated and so this transaction was never finalized. There has never been an exchange of anything of value to constitute a legal transaction
Product: Mortgage

Cross Country Mortgage switched service providers with immediate effect back in XXXX requiring all customers to send payments to a new address. My bank 's bill pay has a relationship with Cross Country and they had been sending payment via ACH. I was told that Cross Country works with the 3rd party bill pay services to make the changes as they do not mail checks. It turns out that all bank customers payments were being denied and that late fees were tacked on to all these people 's bills. There was no notification that payments were being denied. Cross Country specifically made a change with no planning and maximum effect to go after junk fees ( service penalties ). Simply states, they deny the payments and then add the late fees. Customer service is also now non-existent. New website shows none of my payment history because that is the old service provider. I can't see or pay my current bill on the website until last month 's bill actually clears. ( not just paid ). This is a clear case that Cross Country providing a even lower-level customer service provider, no planning with their automated bill payments providers ( other banks ) and to specifically target junk fees.
Product: Debt collection

The CFPB found that XXXX violated the Fair Credit Report Act ( FCRA ) by failing to thoroughly investigate consumer disputes, putting previously deleted errors back on credit reports, failing to block information that resulted from identity theft, and sharing inaccurate credit scores and data about consumers to lenders, according to the release.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible.Here are the list of disputed items : XXXX I XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX Balance : {$280.00}.
Product: Credit reporting or other personal consumer reports

Received a notice from XXXX stating that there was an attempt to open a XXXX credit card through XXXXXXXX XXXX but that it was declined. Checked credit report through Equifax and saw that a hard inquiry occurred on XX/XX/2024 for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which was not requested by me
Product: Credit card or prepaid card

On XX/XX/XXXX, and again on XX/XX/XXXX, I wrote letters from my location at the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to JPMCB ( see attached two letters ), requesting copies of my statements for XXXX, as I had been XXXX  since XX/XX/XXXX and upon reviewing my Credit Report, I discovered past due amounts that could only be by fraudulent purchases that I did not make, as I was XXXX. JPMCB never sent me the requested Credit Card Statements for my review and therefore, I was not allowed an opportunity to review these charges and dispute, accordingly. JPMCB did not reply to my request for account statements within the 30 days required for a response, on either request of XX/XX/XXXX, or XX/XX/XXXX, therefore they have not acted within the requirements under the FAIR CREDIT REPORTING ACT ( FCRA ), and are therefore in violation of the FCRA. JPMCB only sent a XX/XX/XXXX letter saying that everything that they reported to the Credit Bureaus was correct, there was no statements sent to me by them during this time. Also, please note that I promptly notified the FBI and informed them of these crimes and others committed against me within the attached letter to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, New Mexico on XX/XX/XXXX. Additionally, I have attached the New Mexico First Judicial Civil Court filings against those who perpetrated completed financial and identity theft and fraud against my person, while I was XXXX in a Federal XXXX in XXXX, LA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 

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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX has my Social Security Payment and Supplemental Security Income Payments. 

The Social Security Administration located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX, XXXX, Georgia XXXX mails the Benefit Manager ( s ) multiple ACH checks for transfer to Government Debit Cards. 

The transfers does not equal the standard Supplemental Security Income payment of {$730.00}. The transfers does not equal the standard benefit payment from retirement insurance or XXXX insurance either. 

The Manager ( s ) has not transferred the amounts to the card in my possession. The card ending in XXXX. The back of the card has XXXX. It suggest to call XXXX International Calls. 

Complaint Area : ACH Check Replacement or ACH Check Refund
Product: Credit reporting or other personal consumer reports

I DID NOT SIGN A CONTRACT WITH Transunion. Transunion VIOLATED 15 USC 1681b-PERMISSIBLE PURPOSE of consumer reports, THE LAW CLEARLY STATES that : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you, Transunion written instructions to furnish this on my credit report?

I never gave Transunion any written or verbal consent to report anything on my consumer report. THIS DISPUTE IS COMING DIRECTLY FROM MEEE!!!!

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as the transactions or experiences between the consumer and the person making the report ; I AM DEMANDNG TRANSUNION TO DELETE/REMOVE THE FOLLOWNG ACCOUNTS LISTED BELOW FROM MY CONSUMER REPORT.

. VIOLATED 15 USC 1681b-PERMISSIBLE PURPOSE-NO WRITTEN CONSENT XXXX XXXX Account Number XXXX XXXX As a consumer by law this account must be deleted immediately 2. VIOLATED 15 USC 1681b-PERMISSIBLE PURPOSE-NO WRITTEN CONSENT XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

You have really gone so far on disregarding my disputes. AGAIN, this state is unbelievable! Transunion and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Transunion so the reason of we didn't get it '' doesn't occur but then its like nothing happened. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I am in desperate need of this account to be CORRECTED : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have used Zelle for the past 4-5 years and was told my information was leaked
Product: Consumer Loan

I was a few months behind on my Kia Motors Finance Account. Kia agreed to a payment arrangement where I paid XXXX more each month until i was current. A week after the arrangement, they did not accept the first payment under the payment arrangement and had the vehicle illegally repossessed from my gated community. The repo agent broke the back gate and illegally removed the vehicle. Kia then sold the vehicle at auction below the reserve and added the difference to the balance on my account. They also added the cost of the repo which was excessive under Florida law. I have request information on several occasions to rectify this issue legally and Kia has not furnished any of the information to resolve this invalid negative item on my credit report. I want the item removed and Kia Motor Finance investigated for unfair abusive credit practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Bank is misreporting a balance to my Experian credit report. The account was settled for less than full, and is reporting correctly on both my XXXX and XXXX credit reports.
Product: Debt collection

I was on a payment plan with commenity bank which for no reason removed me from the plan where i was making minimum payments up until XXXX and began harassing calls. I get about XXXX calls daily as early as XXXX until XXXX and theyve been calling friends and unknown individuals with the same last name that i do not know trying to reach me and disclosing information about a debt owed to them in collections and leaving their numbers and well as voicemails with numerous individuals to contact them regarding a balance and debt
Product: Credit card

I contacted American Express credit, customer service and fraud. They kept transferring me in a loop back and forth. I sent a letter to American express and still no resolution. 
My husband XXXX XXXX added me as an authorized user over a year ago. Last month I changed my name and they reported that name change as a new account. 
I would like to request assistance in removing this new account from affecting my credit negatively in any way.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  CAPITAL ONE XXXX, CAPITAL ONE XXXX, CAP ONE AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  On XXXX XXXX XXXX I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the account on XXXX. On XXXX it waa still showing delinquent I called the company and was advise they were not informed of the payment until XXXX and it will take 30 days to be removed from my credit. On XX/XX/XXXXits still reflecting as open and unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern i have since correspondence to this innaccurate account on my credit report and the the collection agency has yet to respond with the proper documentation requested. I sent my first request XX/XX/2022 and have yet to get this resolved. The alleged amount owed is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts be blocked and deleted from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these accounts from my credit file due to fraudulent activity or unauthorized use resulting from the breach of my personal data. 
The following accounts should be blocked and deleted : Accounts : XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$11000.00} XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$140.00} XXXX. XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1700.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1700.00XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$360.00} XXXX. XXXX Account Number : XXXX, Date : XX/XX/XXXX, XXXX : {$360.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$410.00} XXXX. XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and have not gotten a response but I am a victim of Identity theft, I have 4 Inquiries on my report all in the last two years that are fraudulent. I have attached an identity theft report and my license to verify my identity. These inquiries are ruining my life and I cant be penalize for inquiries that are fraudulent, help me to stop the crime wage against me.
Product: Debt collection

Portfolio Recovery Associates, LLC has called my job and was asked by myself and my manager not to continue calling this was about XX/XX/XXXX. Then starting this year ( around maybe XX/XX/XXXX ) they have been sending mail addressed to me at my job. Receiving personal mail at my job can result in termination and I have received mail from them as recent as today XX/XX/XXXX. One of the times my coworker answered the phone they told them they were calling to collect a debt from me and there is no way they could be confused that they were calling a work place because there is a greeting and extensions that has to be pushed to reach the different departments.
Product: Debt collection

I have been disputing a medical debt under the name of an old boy friend that has been listed as a joint account on my credit for years. I have disputed the medical debt with the credit agencies and called the collection agency that holds the accounts as well however the collections remain on my credit report. I am not married nor have I ever been married so there is no possible way I can have a joint medical debt with a spouse.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a 3 letters regarding fraudulent accounts on my credit report. To this day over 60 days later and I still have not received a response yet. I like im being take advantage pf and being ignored of my disputes.Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I was also affected by equifax breach and ive been getting alert that my information was compromised on the dark web. I have never done business with these companies and i am asking that these fraudlent account tp be removed. I have attached my Drivers license and the FTC reports and Social.