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

I disputed inaccurate information reporting on my consumer file with TransUnion on XXXX separate occasions, but they failed to respond in a resonnable time frame. They did not inform me of the outcomes either. I first reached out to TransUnion concerning the inaccurate accounts on my credit file on XX/XX/XXXX. However, after many attempts from me to resolve this issue, TransUnion is still reporting the accounts on my credit file. It is important to note that some of these accounts were found to violate my rights and were removed back in XX/XX/XXXX and in XX/XX/XXXX. I also informed TransUnion that the furnishers of the information are most likely unreliable sources and/or giving them false information about me. I'm now seeking a remedy. In accordance with the Fair Credit Reporting Act These accounts violated my rights : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX These accounts are inaccurate, incomplete and not adhering to compliance standards. I require that any mistakes be fixed permanently. On XX/XX/XXXX, I also requested another investigation with TransUnion into the matter. However it has been more than the XXXX  days period and TransUnion has still not completed their investigation or they just ignored my many requests. For that reason I demand that these accounts be removed from my credit report for good seen that it is way outside of normal investigation period. According to the FCRA, 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. It is important to note that I previously requested the information that TransUnion used to verify the accounts with the creditor but did not receive anything even after XXXX  days of my demand letter. TransUnion must remove the accounts from my credit report in a reasonable time frame and inform me of the outcome.
Product: Debt collection

Someone open up an XXXX XXXX account in my name with different addresses called XXXX to talk too some too verify info not matching up what in on file gave them info and didnt match up XXXX days and they removed credence collection in 2023 XXXX sunrise collection has the account called them to verify no one would go over any info with me all they wanted was payment so I called XXXX back they that they have colosed the account because info was verified that someone had open up account fraud email me a letter showing that it was XXXX out it is on my XXXX file sent them all info that I had XXXX days and still they said it belongs too me
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX 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

In reviewing my credit on XXXX I noticed several accounts in collection that are not mine, I have no knowledge of, and didnt give anyone permission to open. I disputed these items with the credit bureaus that were showing them on my report via certified mail via the XXXX. I have my receipt for these letters and they are all listed as delivered via the tracking number when checking the XXXX website. I sent one letter and didn't get any responses. Then after 45 days of no reply I then sent the certified letters. The first letter I sent was via regular mail and not certified. I got a reply from XXXX and Equifax stating they thought my dispute was fraud. In my letter I asked them to validate the debt, as its not mine, they were unable to do that and when I called they said they didn't need to validate the debt they just take the word of the collector. The debt that is showing on my credit report is not mine and the debt was sold to creditors. My rights have been violated. I didn't agree to a debt that is not mine to begin with being sold to a creditor. I need to have these items removed as they don't belong to me and I have no knowledge of them. This has prevented me from buying a home for my XXXX children as a single mother. I pay my bills and debts but I refuse to be head accountable for items that are not mine and I have no knowledge of. Please help me the credit bureaus are not honoring my rights as a consumer. Thank you for your time. I have asked for a fraud alert to be placed on my credit reports through XXXX and they stated it would be in effect with all bureaus as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Agreement the Fair Credit Reporting Act XXXX  with the Accounts : XXXX. XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

By the law under 15 U.S.C 1681 section 602 : states I have a right to privacy & 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding Equifax 's failure to verify the debt or correct the many errors on my credit report. This is unacceptable. I initially disputed these items over 100 days ago with a letter sent on XX/XX/year>, and I have sent additional letters since then with all required identification and address documentation included each time : photo ID, Social Security card, and a utility bill. Despite providing ample information for verification, Equifax has not verified or updated the errors, nor have they deleted any incorrect information as required by law. 

The Fair Credit Reporting Act mandates that, in cases where documentation is provided, unverified items must be corrected or deleted. At this point, Equifax 's failure to act violates these protections, and I am left with errors that negatively impact my credit profile. Below are the specific accounts and errors that remain unaddressed : XXXX XXXX - XXXX : Unverified, incorrect last activity date, incorrect payment history. UPDATE TO NEVER LATE. 

XXXX XXXX XXXXXXXX : Unverified, high balance and credit limit incorrect, date of last payment incorrect. UPDATE TO NEVER LATE. 

XXXX XXXX XXXXXXXX : Unverified, incorrect high balance, last reported date incorrect, incorrect payment history. UPDATE TO NEVER LATE. 

CXXXX XXXX XXXX XXXXXXXX : Unverified, incorrect high balance, incorrect date of last payment. UPDATE TO NEVER LATE. 

XXXX XXXX - XXXX : Unverified, incorrect payment history. UPDATE TO NEVER LATE. 

XXXX - XXXX : Unverified, incorrect high balance, date of last payment incorrect, incorrect payment history. PLEASE DELETE. 

XXXX - multiple accounts : Unverified, incorrect payment history. UPDATE TO NEVER LATE. 

I am attaching the 5 letters that have been sent to them, which included my identification. I am also uploading proof of my identity in regards to this dispute.
Product: Credit reporting or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Fraudulent Inquiries for Checking/Saving Accounts and/or Credit Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 15-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I reported accounts that weren't mine through Experian. They claimed they investigated but didn't provide any proof that the accounts were actually mine. This failure to provide evidence is unacceptable and needs to be addressed.
Product: Vehicle loan or lease

I have been trying to get an auto mobile loan. And I have been told that I have 4 auto repossessions on my credit reports. I only have 2. While one was due to a probation violation and the car was returned still new with less than 2000 miles. In applying for a loan at XXXX  I was quoted a lower down payment. and was told after that I had put in the wrong social security number. I found that impossible when I had reviewed my report with one of there sales people on the girls day off. This has been happening to me for sometime. I believe my score is being deliberately shown wrong. I have been told that each loan I have been applying for the dealerships are being contacted by either a state or federal official. I believe requesting they make the loan unachievable or denied. My loan with XXXX XXXX is a paid as agree loan and is showing as a closed account. I have been having to rent a car for work at almost XXXX  wkly in order to get to work. one of my XXXX XXXX accounts was closed due to my banks changed routing number that most places say do not exist. And also after contacting the CFPB in regards to a collection account from XXXX XXXX  and going through the process and offering a fair settlement and refused was removed from my credit profile. And then just showed back up.
Product: Money transfer, virtual currency, or money service

To whom this may concern. I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Checking or savings account

2 unauthorized transactions were made from my Bank of America online account through a feature called XXXX that were not of my doing or anyone that I know. 

2 Transactions : XX/XX/2018 Transfer of {$1000.00} XX/XX/2018 Transfer of {$1500.00} These transactions were not authorized and money was being sent ( deducted from my checking account ) to a person/entity that I have no information on. The number it was sent to is a anonymous free phone number made up. 

Claim # : XXXX was closed on XX/XX/2018 and was not resolved in my favor. I lost {$2500.00} due to fraud and Bank of America gave me no other detail in the resolution letter other than the fact that these transactions were " authorized '' to which they were not. They said if I shared user id/password info with anyone to get into my account that these were valid. I did not share any log in details with any one.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXXXXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is absurd, Ive sent a letter to XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and or other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. A bill is NOT validation of an account, Im devastated that They have reported delinquent information to the credit bureaus without being able to properly VALIDATE this information. I feel violated, Im requesting this account to be removed.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I put in an order for {$500.00} of XXXX through my linked checking account. I received a confirmation e-mail at XXXX XXXX EST that day for that order. Following the confirmation e-mail, I received another e-mail saying they were unable to process my transaction due to a mismatching of names between accounts. My account was restricted at this time. The e-mail said to contact support regarding the issue and that if they did n't hear back from me before XX/XX/XXXX, they would cancel the transaction. It also sent a link to verify my identity. I followed the link and process and was told my identity was verified ( with a green check mark ) and to click to continue. The continue button did not lead to another page and led to the browser timing out. I tried multiple browsers to no avail. At XXXX XXXX, I put in a ticket to support and received a confirmation e-mail.
On XX/XX/XXXX, I received a response from support ( XXXX XXXX ) at XXXX XXXX. This was my first apparent contact with a real individual. The response was essentially the same as the auto response I had received 2 days prior and gave no additional information or resolution. At XXXX XXXX, I received two e-mails stating my previous transaction could not be completed and had been cancelled, even though I clearly had contacted before XX/XX/XXXX. At this point, I had chalked the lost transaction up to a loss and figured my account would be unrestricted shortly after following the suggested steps ( un-linking and re-linking the bank account for future transactions ).
On XX/XX/XXXX, my account was still showing as a restricted account. I sent another ticket to support at XXXX XXXX and received a confirmation e-mail. I received a response from support ( Coinbase Support ) at XXXX XXXX It more or less repeated the same information received on XX/XX/XXXX, and again offered not further steps or resolution. This response did suggest to make sure that I had verified my ID with them by submitting my driver 's license. I did check to verify that I had uploaded my ID with them and I found that I had in fact done so in the past and it was showing with my account. The e-mail response ended by asking if I needed anything else, to please reply. Since I had received no useful information or resolution, I replied at XXXX XXXX and AGAIN asked how I go about getting the account off of restricted status.
On XX/XX/XXXX, my account was still showing as a restricted account and I had not received a response to my email on XX/XX/XXXX. At XXXX XXXX, I emailed again and stated to support that I still had not received any assistance or contact regarding my account. I advised that I would be contacting the CFPB on XX/XX/XXXX, if I did not hear from them by the end of the day.
As of XX/XX/XXXX at XXXX XXXX, I have not heard back from support and my account is still restricted.
Product: Credit reporting

Transunion and XXXX both have my bankruptcy as currently on file on my credit report. It was 7 years as of XXXX XXXX, 2016. When I requested the removal they stated they could keep it on my credit for 10 years.
Product: Credit reporting or other personal consumer reports

Transunion reporting fraudulent hard inquiries- XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX reporting fraudulent hard inquiries XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX reporting fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I reached out to XXXX XXXX XXXX ( owner of XXXX XXXX XXXX ) to ask the TOTAL payoff amount of my Acct # XXXX. The original debtor was for an Ann Taylor credit card account. Associate on the phone advised me ; " the total payoff amount TODAY is {$240.00}. '' I paid that exactly that amount by phone on XX/XX/XXXX. 

Yet today ( XX/XX/XXXX ) I received a letter stating the {$240.00} I paid was the " 1st installment in a payment arrangement. '' This is inconsistent with what I was told by telephone. So despite my paying this account in full, I find myself being extorted for another payment in the same amount ( much more than the original debt ). And the company has not even posted the payment I made to the credit bureaus. When I made the settlement payment I asked the associate when would a letter be sent to me confirming the paid off status so I can submit it to the credit bureaus. She stated " we have already posted paid off 's for this month, and will not post again until next month. It won't be reported to the credit bureaus until then. '' It has already been one month, and my paid off status has not been reported to the bureaus. The demand for a second payment is fraudulent.