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

Transunion refuses to fix this issue they are reporting on my credit file. Transunion is reporting the following accounts while XXXX has deleted the accounts for not being able to validate any of them, why does Transunion keep them on my file affecting my ability to get credit. 

These account have been REMOVED FROM XXXX, XXXX XXXX, XXXX, XXXX,. 

XXXX HAS DELETED XXXX XXXX, Cfpb I am asking for help to get this company to remove these unverified accounts immediately. 

Also, I contacted them and the companies provided statements with another persons name and address, there is no excuse for Transunion to keep tempting this unverified info on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my identity has been compromised. On XX/XX/2022 I received XXXX Equifax alerts that my credit had been pulled in XXXX car dealerships : XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. On XX/XX/2022 I also received an XXXX alert my credit had pulled at another car dealership : XXXX XXXX XXXX XXXX. I called all three dealers and told them my identity had been compromised. I put credit locks and fraud alerts on all bureaus. I called my local Sheriff 's department and they advised me to come here. I'd asked one of the auto dealerships what information had been given- the person used my old address, had my correct place of employment but incorrect job title, and a phone number that wasn't mine : XXXX. My Sherriff 's department said it was likely a spoof number and could only tell that it was a XXXX number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating
to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, my personal information being reported is inaccurate My only name is XXXX XXXX, Date of birth 1XX/XX/XXXXAddress : XXXX XXXX XXXX XXXX Ga XXXX In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Graves ( mo ) 281 Sw 715,719, I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

Dispute With XXXX XXXX XXXX  Regarding Account of XXXX XXXX - Account Ending in XXXX I am writing to bring forth a matter of utmost concern with regard to the credit reporting practices enacted by XXXX XXXX XXXX. It has come to my attention that XXXX XXXX XXXX  has engaged in the dissemination of inaccurate information on my credit profile. Specifically, I have been subjected to unwarranted fees associated with an account that had, in fact, been rectified to possess a XXXX balance. 

Subsequent to extensive discussions held with various representatives of XXXX XXXX XXXX, a definitive chronology of events surrounding the adjustment of the aforementioned account has been established. On XX/XX/XXXX, an imposition of a late fee in the sum of {$28.00}, coupled with an annual fee amounting to {$39.00}, was duly recorded. It is worth noting that the erroneously applied late fee was expunged on XX/XX/XXXX. Further, on XX/XX/XXXX, the annual fee of {$39.00} was duly rescinded, resulting in the restoration of a balanced state amounting to XXXX. 

However, I have ascertained that XXXX XXXX XXXX XXXX automated system, in an unwitting capacity, erroneously generated late charges on both XX/XX/XXXX and XX/XX/XXXX, concurrently with the imposition of ancillary fees that were neither warranted nor intended. This unsettling development prompted me to directly engage with the company. I am pleased to acknowledge the company 's acknowledgment of the error and subsequent issuance of credits on XX/XX/XXXX ( {$39.00} ), XX/XX/XXXX ( {$39.00} ), and XX/XX/XXXX ( {$30.00} ), thereby reinstating the balance to a total of XXXX. It is imperative to underscore that as of XX/XX/XXXX, the account remains devoid of any lingering obligations. 

My discourse with representatives of XXXX XXXX XXXX has yielded verbal acknowledgment of an inherent flaw within their system. However, in recognition of the potential for misrepresentation within credit reporting, coupled with the associated legal ramifications, the bank finds itself constrained from overtly articulating this acknowledgment within written correspondence. As a result, the bank intends to issue XXXX ostensibly ambiguous letters. The initial communication will merely indicate the present equilibrium of the account, while deliberately abstaining from delving into specifics surrounding the credit adjustments. The subsequent communication will serve to inform me, as a matter of courteous communication, of the bank 's proactive endeavors to rectify the situation through correspondence with credit reporting agencies. Importantly, these communications shall meticulously refrain from making any allusion to the erroneous attribution of belated payments within my credit record, or any indications of the bank 's culpability in the matter.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I got an auto loan in 2015 to buy a car. 2yrs or so the motor vehicle was surrendered/repossessed. I did not get any letter of collection. I am seeking a mortgage now and was made aware by a lender that a collection of {$8000.00} was on my report. I contacted the bank and was told that the car was appraised and auctioned for {$3900.00}, and that they are seeking to collect said {$8000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi This is XXXX XXXX! I have several issues with XXXX  and TransUnion, they have always show my negative information when I applied for any credit card and it shows that I have delinquent account, when I was applying XXXX XXXX XXXX XXXX, I got decision that I have delinquent account but XXXX  is approving cards, I have very good payment history, no unpaid credit cards, no missing payments, nothing red flags, but XXXX, TransUnion, and XXXX  are discriminating my credits and providing wrong information to lenders. If lenders pull credit reports from XXXX  and TRANSUNION, it always get denied and it shows I have delinquent. Government should take stern action against these companies.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account names/ Numbers XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I didnt open these accounts!
Product: Credit reporting or other personal consumer reports

Experian allowed inquiries to be placed on my report without my consent. After several disputes challenging the inquiries, the company stated that the inquiries were valid, but DID NOT provide an original document/application with my signature. The company is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of Experian investigations, they stated in writing that the items were verified and are being reported correctly. The company did not state who verified the accounts. Experian DID NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it which is required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Additionally, Experian has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

There are numerous inquiries on my credit report that I do NOT authorize. I am a victim of identity theft through the XXXX XXXX XXXX Furthermore, unscrupulous characters recently stole my information to tried claim unemployment benefits under my name. I learned how to freeze my reports and since have frozen them. 
The following are the unauthorized inquiries that have hit my credit report that need to be removed. 

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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX  : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX  : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed numerous of letters to the bureaus asking them to remove incorrect information from my credit report with proof attached and the items are still being reported.
Product: Credit reporting or other personal consumer reports

A collection account which shows as " XXXX XXXX '' appeared on my credit in XX/XX/2023. I attempted 3 times to contact them with no response. They are falsely reporting to my credit that I opened an account with them in XX/XX/2023 which is " open '' and the original creditor was " XXXX XXXX ''. I moved to Missouri in XX/XX/2023 and have resided here since. Upon leaving Oregon I paid all debts in full in term of utility bills, XXXX XXXX was included. There was no unpaid balance. I did not open any account in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

When trying to pay my mortgage on line, JG Wentworth 's website says that " this feature is currently unavailable. '' It 's been like that for 3 days. When I try to call customer service to pay my mortgage on the phone or actually speak with someone, the wait lines are so long I do n't get through. When I use their 24 hour automated pay by phone service, after I enter in all my loan information, the system does not give me the opportunity to pay over the phone but automatically transfers me to a phone number where an automated voice tells me the office is closed. Today is XX/XX/XXXX, and if my mortgage is n't paid by the 15th, they charge me a fee. And my credit score may be damaged? I read an article yesterday that j.G. Wentworth has filed bankruptcy and I 'd like to know if this is all related and how I can pay my mortgage. Can you help?
Product: Credit reporting or other personal consumer reports

Mountain Land collections is reporting a debt for XXXX XXXX XXXX. I do not recognize this account and have requested more information and validation from Mountain Land which I never received. I don't recognize this.
Product: Debt collection

XXXX has continued to contact me illegally even though I have repeatedly asked that they not do so. They have also continued to send correspondence by mail. Today on a call they threatened to place a lien on my property and lobby the XXXX to attempt to foreclose. My original XXXX assessment was {$290.00} in XXXX. As of XXXX/XXXX/2016, XXXX Resources have added so many charges that my current bill is {$900.00}. It is absolutely unfathomable that a company can add over {$600.00} in collection cost in 6 months. The XXXX was not considered delinquent until XXXX. The American citizen is being fleeced by organizations such as this.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Dear CFPB, I want to report that Hunt and Henriques Attorneys at Law have failed to respond to my debt validation and verification of claim letter dated XX/XX/XXXX and to the CFPB Complaint I filed on XX/XX/XXXX Case # XXXX. 


Attached you will find a copy of my demand letter for validation of debt and verification of claim and sworn affidavit under penalty of perjury by an agent with authority and first hand knowledge to authenticate their claim. 

As of today, Hunt and Henriques Attorneys at Law have not responded to my demand letter according to consumer protection rights under FDCPA, CFPB, FTC and XXXX-FDCPA. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains errors under 15 USC 1681c-2, listing hard inquiries I did not authorize. Please delete these inaccuracies as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notice to pay a debt ( {$540.00} ) from Midland Credit Management , Inc ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX CA XXXX. On XX/XX/XXXX I responded with a lawful request asking the company to validate the debt, sent certified mail. I received no response from the company. Since the company did not respond, on XX/XX/XXXX I lawfully asked the company to cease and desist and to not report any negative information on my credit. In violation of the Fair Credit Reporting Act, the company has ignored my lawful request and began report negative information on my credit without validating the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning sir/ma, I am XXXX XXXX XXXX XXXX on early XXXX I had in mind to apply for a loan which I chose NEW CREDIT during my filling of the form getting to ( terms and conditions ) to access the amount of money needed I decided not to continue the form no money was indicated that I need/ account number to send the money to, after some months NEW CREDIT has been sending me messages that I am owning why I didn't continue with the deals or collect any money from them ... please call them inorder because since then they keep on disturbing me for no XXXX and keep accommodating money till date..
Product: Checking or savings account

There are a lot of unauthorized transaction deductions on my TD bank checking account. I filed an objection with the bank. I contacted the merchant but it didnt work. The bank maliciously rejected my objection many times. I went to the police station to report the case number. After I gave the case number to TD Bank, they still maliciously rejected my objection again.THE POLICE CASE REPORT NUMBER IS XXXX
Product: Debt collection

my complaint is for Aqua Finance ; on XX/XX/2019 they repeatedly called my phone at XXXX, XXXX, XXXX, XXXX, and when they called me again at XXXX i advised the person who was calling that i was at work and to please not call my phone any more because that many phone calls in a day is harrassment ( all calls are logged in my phone call log on my cell phone ) ; today, XX/XX/19, they have called me at XXXX and again at XXXX at which time i answered the phone and spoke with XXXX. I told her that they have already spoken to my husband today who has told them he would call them back to make a payment and that i asked them yesterday not to call my number anymore as i am at work and not suppose to be answering my cell phone. I spoke with XXXX, a senior analyst, and he advised me that if I could not verify who i was ( since they called me??? ) then he had no choice but to end the phone call ; XXXX told me they have 5 phone numbers on our account and they call each one 3 times a day. My account is still due for the XXXX payment and this is excessive especially since they had already spoken with my husband today. Please do something about the excessive phone calls we receive from this company regarding payment on our account. Thank You
Product: Money transfer, virtual currency, or money service

cashapp managers send me 2 years in order to upload my selfies and my iD. i have done both. cash has not provided me access to my money. i am waiting for cashapp to give me access to my money or tell me how they will use my money. i need my money. please help. i sent the selfies and id and a piece of mail. i suspect cash app as a scam company. maybe one day, i will know about cash app. 
there is no way a company can just refuses clients access without having a good way to verify the client account. no bank does that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative 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  Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reporting an old medical debt as a collection item
Product: Credit card or prepaid card

XX/XX/2018 -XXXX  XXXX XXXX , VA {$6.00} XXXX ATM TRANSACTION DOMESTIC FEE {$1.00} XX/XX/2018- XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23.00}