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

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I review my credit report and I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXX ( account number : XXXX ) XXXX XXXX  ( account number : XXXX ) XXXX XXXX XXXX  ( account number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card account with Citi Bank and requested a credit line increase online o

n XX/XX/XXXX. Their web page specifically stated that no inquiries will be placed on my credit report, which is the reason why I requested the increase. On XX/XX/XXXX, a 'hard inquiry ' was placed on my credit report by Citibank NA with address XXXX XXXX XXXXXXXX XXXX XXXX , SD XXXX. 

I have not authorized or agreed to this inquiry and would like to have the inquiry removed from my credit report as it brings my credit score down. 

I contacted Citi Bank and their customer service agent could not explain why a 'hard inquiry ' was placed on my report for a simple credit line increase request, however they said that there is nothing that they can do and refused to help me any further.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/XXXX I was informed that XXXX had taken over my account from XXXX. The amount was XXXX. 

On XXXX XX/XX/XXXX contacted XXXX with a verification letter. 

On XXXX XX/XX/XXXX contacted XXXX with a validation letter requesting a purchase agreement. 

XXXX XX/XX/XXXX XXXX responded saying the account was closed. 

The purchase agreement was never disclosed and without that agreement the current amount is inaccurate. Furthermore, if the account is closed it should reflect on all credit reporting agencies. 

I have attached all letters and their response.
Product: Debt collection

on XX/XX/2020 XXXX I called XXXX debt collection to check to see if I had a debt with this company due to harassing phone calls. 
The customer service rep went over who I was and while I was explaining why I was calling this evening, I wanted a statement mailed to me as I did not receive any information or mail prior to today 's phone call. 

The customer service male was extremely rude over the phone using profanities and abruptly hanging up the phone, saying he would not send a paper statement because I was being " Paranoid '' and that I can reprint online. He gave me a website that was not secure to see my information which was false. I was not able to access my alleged bill with this company online or by mail. 

He than said because I wanted a physical bill that he had no choice but to mark me down as a refusal to pay. which I've never refused to pay just want to have proper proof of alleged debt owed. 

I personally don't give my bank information to companies that will not send me a statement or give me any kind of information when companies demand payment over the phone by strong arming people that come through the company. He told me he was not going to waste his time on a " paranoid XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yetI have items passed on that should be taken out or blocked. Per FCRA segment XXXX you are expected toeliminate any records recorded on an XXXX XXXXXXXX XXXX XXXX XXXX. I've proactively remembered thisreport from a past letter and I am including it once more. I've educated my lawyer regarding my aims and theyare eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello - I entered into a special program with Bank of America concerning XXXX XXXX cards to pay off my balance. They reduced the monthly amount I had to pay and I was required to set up automatic payments but I was never told that they would report the balance as 150 days late which ruined my credit rating with all three agencies. 
At the same time, I engaged a credit counseling company, XXXX, which helped me arrange payment plans with XXXX and XXXX XXXX. Neither of these companies reported the balance 150 days late as I was fulfilling my payment plan. The only reason I did n't also include my Bank of America cards is that I thought they were treating me the same since I was paying off my balance in good faith. I was shocked to see that they would ruin my credit ratings. 
Can you help me? 
Thanks XXXX
Product: Credit card or prepaid card

Capital One closed my account as requested, however the fraudulent charge is still on my account. Because I can't afford to ruin my credit, I've gone ahead and made a payment. Why couldn't Cap One freeze this while they see that the charge is fraud? I just paid {$1700.00} in one month, and was so glad to have a free credit card. Now I do not, and am forced to make a payment? How can I press charges against this company?
Product: Credit reporting

I am attaching a copy of my Driver 's License. and Social Security Card to prove my identity. Apparently, my file has merged with another person ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX just to name a few ). At this juncture, I have been unable to upload these documents and have even sent in my documents on multiple occasions via US mail to support my claims to no avail. It is my intent to dispute these trade lines and other information, hopefully more successfully via this venue. I 'm not sure why this has to be so difficult when a person can prove their name and information.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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

Experian is reporting two ( 2 ) collections on my credit report that has been paid and this is causing my scores to go down. 
The accounts are XXXX XXXX and XXXX XXXX XXXX in the same amounts of {$140.00}. They are not reported on XXXX  and XXXX   because they were removed as payment was made for these accounts.
Product: Checking or savings account

On XXXX XXXX XXXXXX/XX/year> a total of {$2500.00} was removed from my checking account via six transactions to XXXX. {$500.00}, {$500.00}, {$500.00}, {$250.00}, {$500.00}, {$250.00}. I had already called Citizens to advise these charges were unauthorized, not my charges, and fraudulent. On XXXX XXXX XXXX {$1500.00} was deposited or returned back into my account- {$500.00}, {$500.00}, {$250.00}, {$250.00}. This leaves {$1000.00} outstanding. I have contacted Citizens in person, via email, via mobile app, and telephone. All of my contacts have generated cases but all my cases have been closed with no refund or reimbursement of the {$1000.00} given. The business that charged the account is XXXX. I have reached out to XXXX via telephone, and email multiple times. Each time I've spoken with XXXX they have advised they would refund the additional {$1000.00} if Citizens were to contact them. I have in writing from XXXX that the charges were unauthorized and that I am entitled to a refund but they need to follow procedure, and that procedure is my bank needs to contact them, which they haven't.
Product: Checking or savings account

Savings account closed due to unpaid monthly account fees {$4.00} ( 2 ) months and {$30.00} service fee for inpatient of 2 monthly account fees. 

I sent a message to close this account, although I never followed up. 

Account went unnoticed for approx 3 months. 

I never received notification of negative balance Until notice of {$37.00} due and account closed. 

Paid balance due at bank.
Product: Credit reporting or other personal consumer reports

I was notified recently that the Credit Glory the company that promised to remove any negative reporting to my credit report and charged me a {$1.00} dollar fee up front and then an upfront fee of XXXX to remove negative reporting was not suppose to charge me fees upfront. They did not remove what they promised and then I found out that credit Glory allow my personal credit to stay on their employees personal computers. This is happening with all the employees withing their company. I hired them about a year ago an they told me they would fix my credit report within 90 days or I would receive my money back, I never received my money back nor did they remove the what was promised. 
Employees, have come forward and admited that this company is not working in the best interes of the consumer and what they are doing is not legal and this is why i am filing a complaint. I was was not aware that i was not suppose to pay an up front fee. I am requesting XXXX in returned funds. I have three employees aval to speak on my behalf that this should have never been done to me.
Product: Checking or savings account

An account was opened using my information with Truist Bank. I received a letter in the mail that was generated on XX/XX/2022 today ( XX/XX/2022 ). This letter indicates that the account that was set up in my name was overdrawn- {$41.00}. 

As of today, I have not contacted Truist Bank, so no action as been taken yet. However, I do plan on filing a police report and contacting the bank regarding this issue.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their disputes resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is hitting me with 2 hard inquires for XX/XX/XXXX and XX/XX/XXXX. I should only be hit with 1 inquire as both were done on XX/XX/XXXX. The confusion is it took an additional day to process the other part. I have spoke to them on the phone around XX/XX/XXXX about the situation and they agreed to remove the Inquiry on XX/XX/XXXX. 

Since than I have noticed no changes and I have put in 2 separate cases/complaints about the matter which both have passed the 30 day rule. 

I than called up XXXX XXXX again and they were unsure what to do and could not find my agreements in the files. I just hope they follow there original agreement as I have been a good cardholder with there company and plan to continue to be.
Product: Debt collection

Since XXXX 2011 I send this collection company a certified letter requesting verification of the debt pursuant to Fair Debt Collection Practices Act 15 USC 1692g Section 809 ( b ). The company never responded and over the phone threatened to report negatively in my credit, which they have done since day XXXX to this date. They have caused so much damage to me and my family with this bad credit markings, which arose another question as to private information, such as SSN, being public information. The property they are attempting to collect fees for was never legally mine and due to that I am not legally responsible for anything that happens with such property, thats just the law! I have tried numerous times to negotiate my release from any ties with them and even with certified documents that prove I was never the legal owner, they continue to harass me into paying or deal with their malicious consequences
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the following companies have 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
Product: Mortgage

I made my monthly payment online through the companys website on XXXX. The Money Source attempted to withdraw two payments from my checking account on XXXX resulting in three overdraft charges. When I spoke to customer service representative of the Money Source, they each stated they have no control over the portal ( their website for payments ) which resulted in {$90.00} in overdraft fees to my checking account and refused to credit my account for their error.
Product: Credit reporting

I am disputing the final response of disputes on my credit report. All my student loans have been discharged by the Dept. of Education, XXXX and XXXX XXXX XXXX. I have also been a victim of unfair medicare billing that I asked to be investigated and removed.
Product: Credit reporting or other personal consumer reports

I was just able to take a look at my credit report, and am stunned, and I couldnt believe my eyes when I saw all of these mistakes in reporting! 

I don't know why these companies are putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time. 

Please investigate and take a look at these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : 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.This hard inquiries dont belongs to me : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports.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

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are 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 XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I transfered the equivalent of XXXX euros from my XXXX XXXX  account at Citibank, NA ( account opened in XXXX ) to another bank account of mine in XXXX ( see attachment ). The XXXX XXXX  could not receive it and issued a refund on XX/XX/XXXX, i.e., on XX/XX/XXXX I was notified by the XXXX XXXX that the money were being sent back ( see attachment ). As of today, I have not been credited back those money
Product: Debt collection

I received a letter from viking for a reported debt from XXXX XXXX claiming I was in an accident. This is a lie as I have never been in an accident. I only rented twice from them : XXXX XXXX XXXX under my account XXXX. I have all my receipts and I have never reported an accident or caused any damage to their vehicles.
Product: Debt collection

Merchants Credit Association is reporting a collection account in my credit report that 's not complaint with the CRA 's XXXX reporting requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding a late payment account that has appeared on my credit report. Despite my efforts to rectify this situation with the credit reporting agencies and the creditors, the issue has not been resolved satisfactorily. I recently reviewed my credit report and was shocked to find that there was an account listed as having late payments that I have never actually missed. The account in question is XXXX XXXX I want to emphasize that I have always been diligent in making timely payments for all my financial obligations. I have never been late on any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my loan with NationStar in XXXX. I've never been late with any single payment. The loan was paid in full. In XXXX the NationStar reported to the credit beauros that the account was XXXX as of XXXX and added status DRG for XXXX. As the effect my credit score went down by XXXX points. I noticed that my score went down via XXXX. I immediately pulled my free credit report from XXXX  and saw the problem with NationStar reporting. I sent NationStar a meesage via their customer portal on XX/XX/XXXX and didn't receive any response. I called them as a follow up on XX/XX/XXXX and was told that the NationStar will start a credit dispute and I will get a phone call from them. It never happened. I sent another message via customer portal that was left unanswered by NationStar. The same issue involves my husband 's credit score, since mortgage with NationStar was in out both names - XXXX XXXX XXXX XXXX I'm looking for the bureau 's assistance in getting through to NationStar. It appears that they don't wish to deal with customers that have paid off their loans. Thank you.