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

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

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/22 To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 

Best Regards, I have attached my ID to this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Additionally, I contacted the bank and they told me they would delete the account from my file BUT TransUnion has some internal block that they're claiming they can use to not block the account because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this account from my file like the other bureaus have done. 

XXXX XXXX XXXX  XXXX ....
Product: Credit reporting or other personal consumer reports

I have no knowledge of this company and would like immediately removed from my credit report Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 2 company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX : Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX In accordance with the Fair credit reporting Act The list of Accounts above has Violated my Federally protected consumer rights to privacy and confidentiality under U.S.C 1681! 5 U.S.C 1681 section 602 ( A ) States i have a right to Privacy 15 U.S.C 1681 section 604 ( A ) Section C it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 ( C ) ( A ) 5 States no consumer reporting agency may make any consumer report containing any of the following items of information any other then records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX mortgage is reporting wrong information in all of the credit report I have dispute the balance on my credit report that caused my scores went down I am not late but XXXX  XXXX  XXXX mortgage have increased my principal after weeks later so many complaints so many calls the problems still there.I paid my mortgage every month I dont miss payment so why my principal increased from {$79000.00} in my statement to {$81000.00} on my credit report when I disputed it why all three credits bureau told me to contact XXXX  XXXX XXXX mortgage I did for weeks they still not fixed the problem because the balance is wrong finally XXXX  XXXX XXXX mortgage told me I have a short in my escrow that may be the reason I the increased in my principal.I never anything like this my escrow monthly payment is {$520.00} and my principal monthly payment is {$220.00} a month and my escrow balance is XXXX so how they went put more than the balance said and also why put it in my principal and when question them they gave all kinds of stories but still not fixing my credit report problems with the wrong balance? 
I want XXXX  XXXX XXXX to fix it and report the real balance.
Product: Debt collection

I was with XXXX for many years, never late, made automated payment every month for all services..XXXX phone company has wrongfully charged me, i have recorded conversation with an agent as a proof..XXXX has overly charged me {$66.00} after the account is closed and without reaching out to me they have sent my account to collection. I could have just paid off enen though it was wrongfully charged..I spoke to XXXX as well as many debt collecting companies for removing these charges but instead these companies keep selling my accounts to new comanpnies and my credits score has gone down from XXXX to XXXX. This is the only debt collection i have in my credit history and this is not fair to consumer ... It 's hurting my credit really bad.
Product: Credit reporting

On Wednesday, XXXX XXXX, 2015 I submitted a change of address to XXXX ; TransUnion and XXXX XXXX informed me It would notify TransUnion and XXXX. To-date, my change of address has NOT been updated. Old Address was : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX and mailing address : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
Apartment # XXXX XXXX, XXXX XXXX XXXX mailed me an annual free credit report on XXXX XXXX, 2015 with my new street and mailing address which are the same. 
I telephoned XXXX and left countless voice messages to XXXX XXXX XXXX at XXXX regarding the update of my new mailing address but she never returned any of my calls. The XXXX online and telephone system will not allow me to access its system to make the address changes. The last time I attempted to speak with XXXX XXXX was XXXX because I simply tired and gave up. 
The same is true regarding TransUnion I can not access my online credit history to update my current street and mailing address. I also need an annual free Credit Report and free Credit Score from both XXXX and TransUnion. I also need the new toll free telephone numbers for XXXX and TransUnion to Temporary Lift Freeze from my permanent credit history accounts without having to speak with a live representative that will charge me money.
Product: Credit reporting or other personal consumer reports

A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. XXXX XXXX XXXX XXXX Opened on XXXX and inquires XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX 
So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report
Product: Credit card

Called the XXXX number multiple times and was told there was nothing we could do but close the accounts. Tried to dispute through XXXX XXXX  and it is still on my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, NY XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you are reporting invalid, inconsistent information between credit agencies. 
Per viewing my credit report, I notice an account from your company with account # XXXX, XXXX, XXXX   and Equifax are reporting this account as derogatory with different reporting information. For instance, XXXX   reporting high credit as XXXX and credit limit as XXXX. XXXX reporting account balance as XXXX and credit limit as XXXX and Equifax is reporting high credit as XXXX and credit limit as XXXX, delete per violation because you can not report inaccurate information between credit agencies. 

In addition, per my pervious request, I submitted proof showing Equifax was reporting this account as current for the past 2-year payment history and how you changed it to C/O, because you know the information was inaccurate, now I have valid proof you agreed with my first request, delete this account per violation. 

Please be advised, I have enclosed a copy of the 1st reporting and the 2nd reporting as proof that the changes were made because I proved my first dispute was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

problem with security freeze. I am trying to refinance with XXXX XXXXf XXXX XXXX, they have attempted to get my report several times and can not. after repeated phone calls and internet. the problem is with Experian. there agents tell me there is not a freeze but there is .they check and can not find problem. sent letter and responded dated XXXX does not display a freeze. after and hours put twice on hold for to speak to a supervisor with no response. they are the worst company to deal withXXXX XXXX XXXX XXXX had same problem in XXXX of XX/XX/XXXX. .experian dose not or will not fix the problem was told 3 weeks ago they would send problem to there it department, still no response. still waiting for call back from supervisor XXXX. one agent found that part of there system showed a freeze but other areas do not. this problem is causing XXXX  and not able to get refinanced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and have just had a XXXX XXXX XXXX. Several of my creditors agreed under compassionate terms via phone that any derogatory statements on all of my credit reports would be removed and reported as paid in full. 

In accordance with the fair credit reporting act the following creditors agreed to the above statement. In accordance with the fair credit reporting act and XXXX Accounts below, have violated my rights. 

XXXX  XXXX : All accounts, beginning with : XXXX, XXXX, XXXX 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15C USC 1666B : A creditor may not treat payment on a credit card account under an open end plan as late for and purpose.
Product: Debt collection

I was trying to pay off my debt with midland credit management & I didn't have my account number so it had me put in my last name, my DOB month & year and the last four of my social security number. It then took me to a page about 10 % off the balance if you paid in full that day so I selected that option and put in my debit card information. After I processed the payment it then took me to an account page that was for someone that I do not know causing me to pay for someone else 's debt. I immediately called midland and voided the payment option on their website and filed an escalation that involves me not getting my money back immediately even though it had just happened and I immediately voided to payment. They could not explain to me why my personal information was going to someone else 's account & now I'm scared my information can easily be accessed. The company told me I had to wait 7-10 days for a solution & did not give me any answers as to why I couldn't get my money back right away when that account I paid on was not mine.
Product: Debt collection

New mortgage investor JP Morgan Chase refuse to acknowledge new contract payments agreed in bankruptcy in XXXX confirmation. Practicing inaccurate credit reporting of old discharge for balance of old loan in XXXX. Have collected and apply cash payments for the last eight ( 8 ) years against RESPA ; Fair Credit ; Predatory Lending and Bankruptcy Laws. Unfair, abusive and deceptive practice concerning property rights by attempting to accelerated foreclosure without legal notification and based on inaccurate balances and deceptive collection of the amount owed.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX  XXXX XXXX Balance {$860.00} XXXX XXXX XXXX XXXX Balance {$260.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/2023
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 multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

Today at XXXX my husband, XXXX XXXX, received a call form Portfolio Recovery Associates from XXXX, regarding a debt for XXXX XXXX, from XX/XX/XXXX, of which my husband is not associated with, he is not a co-signer nor a joint holder on this account. This account was opened before we met and was defaulted on before we met. My husband and I married in XX/XX/XXXX and he was should told this is a debt for XXXX XXXX for {$1100.00} and that he was listed as the contact for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over a year and I have had severe difficulty resolving fraudulent identity theft account that appear on my credit report, I have disputed the accounts online, mail, phone and with a Dedicated Fraud Resolution Specialist provided by experian with my premium plan for {$19.00}. The fraud resolution specialist is suppose to stay in contact with me and follow a protocol to get the identity theft resolved. The lady XXXX who is assigned to me has only spoken to me once and has not answered my calls or emails since our initial conversation. I have supplied experian with my FTC report, police report and notarized affidavit that they requested so that the accounts could be removed. They have repeatedly claimed the accounts were verified and completely ignored the identity theft even though the creditors XXXX, XXXX and XXXX do not have any proof or original contracts bearing my signature only bills that resulted from a thief using my information. Both companies stated someone called in and opened accounts using my social but havent provided any proof besides a generic bill showing whats owed/charged. Every time I call to speak to XXXX she is not available, experian is promoting a misleading product and violating several of my rights as a consumer under the FCRA, FDCP and TILA.
Product: Debt collection

I keep receiving the same bill in the mail stating I owe {$49.00} for a coin I never ordered or received. I am unsure what this company is and I differently am not sending in money for something I did not order. I do n't even have a interest in a coin or anything this company is selling as I do not even know who they are. I have received multiple letters saying -This is unacceptable! - and that they are putting it in collection which goes on my credit.
Product: Debt collection

I reached out and tried having these incorrect debts removed several times. I never received a response.
Product: Bank account or service

My wife and I have a joint account with SunTrust ( branch is at XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX ). We received a rogue charge to that account for a clothing purchase we had never made for {$240.00}. We called the bank to inform them and to halt the processing of the transaction. The bank told us that the transaction had been made on a different card ( My wife had had an account in her sole name with her own debit card for that account, however she had closed that account 3 months earlier and that account had disappeared from any view that we had ). 
As her old account was linked to our joint account, the transaction appeared on our joint account. It appears that they removed my wife 's " closed '' account from our view, but had never actually closed the account. I have read about the XXXX " sales practices '', however perhaps there are other short term " performance measures '' within banks that are resulting in window dressing ( such as keeping accounts open with a XXXX balance and removing them from the customer view ) and unnecessary risk being passed to consumers. 
For now, the branch has acknowledged that account was closed. They seem to have no idea how the fraudulent transaction was not denied from the get go. As my wife closed the account months ago, so the card was cut up at that time also. Meanwhile the bank, although they acknowledge that we could not have made this transaction, have nonetheless charged our account with the full amount while they process their " investigation ''. 
Now we are waiting for them to conclude their investigation while someone else holds our money in their account. All this while, only the bank 's dubious practices have allowed the fraudulent transaction to be conducted in the first place. It is a very sad place when the humble consumer has better risk management practices than one of the larger banks in the land.
Product: Credit reporting or other personal consumer reports

Complaint Details I am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) committed by TransUnion and XXXX, including unlawful reinsertion of previously deleted fraudulent accounts, failure to notify me as required by law, and continued misreporting of inaccurate information. 
Issues Identified : 1. Illegal Reinsertion of Previously Deleted Accounts ( FCRA 1681i ( a ) ( 5 ) ( B ) ) TransUnions fraud department previously deleted and blocked two XXXX accounts. 
Despite this, the same accounts have reappeared on my TransUnion credit report without proper notification. 
TransUnion did not send me the legally required written notice within five business days of the reinsertion, which is a direct violation of FCRA 1681i ( a ) ( 5 ) ( B ).

2. Failure to Maintain Reasonable Procedures to Ensure Accuracy ( FCRA 1681e ( b ) ) TransUnion failed to ensure the accuracy of my credit report by allowing deleted accounts to be reinserted without validation.

This demonstrates willful non-compliance with FCRA 1681e ( b ), which requires credit bureaus to implement reasonable procedures to ensure maximum possible accuracy. 

XXXX. XXXX 's Continued Reporting of Inaccurate Balances ( FCRA 1681s-2 ( a ) ) The XXXX accounts report a balance due despite being previously deleted and marked as fraudulent. 
If these accounts were charged off or sold, the balance should be {$0.00}, yet TransUnion continues to allow XXXX to misrepresent my financial obligation. 

4. Failure to Provide 1099-C for Canceled Debt ( IRS & FCRA Violation ) If XXXX has charged off these debts and reported them as a loss, they are required under 26 U.S. Code 6050P to issue a 1099-C cancellation of debt form. 
I have never received a XXXX from XXXX, which further indicates inaccurate and misleading reporting. 

5. Re-Aging of Accounts to Extend Negative Reporting ( FCRA 1681c ( a ) ) The accounts closed in XXXX, yet TransUnion is reporting late payments in XXXX and XXXX, which suggests illegal re-aging to keep the negative items on my credit report longer than legally permitted. 

6. Willful Non-Compliance & Negligence ( FCRA 1681n & 1681o ) TransUnion 's failure to comply with FCRA reinsertion guidelines and lack of proper investigation of these disputes is a willful violation of my rights under FCRA 1681n, making them liable for statutory and punitive damages.
Product: Credit card

Yesterday at between XXXX I was contacted by an agent XXXX- ID # XXXX Via telephone with PJMorgan Chase requesting an additional cash payment after there was a special payment already made to the account this is harassment and again yet another violation against my consumer rights!!!! Along with threatening to close my account