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

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX  of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX balance {$12000.00}, XXXX XXXX {$240.00}, XXXX XXXX Balance {$1100.00}, XXXX XXXX {$2800.00}, XXXX XXXX balance {$160.00}, XXXX XXXX XXXX balance {$170.00}, XXXX XXXX in balance {$3600.00}
Product: Payday loan, title loan, personal loan, or advance loan

Details of the Complaint : I financed my Byte aligner treatment through XXXX XXXX, which is owned by Synchrony Bank. Recently, XXXX refunded {$2100.00} to my XXXX account, which had an outstanding balance of {$1000.00}. XXXX informed me that XXXX would refund me the difference between the refunded amount and my outstanding balance. 

I have verified that my XXXX account is now marked as closed, but I have not received any communication or refund of the difference from XXXXSynchrony Bank XXXX I have contacted XXXX XXXX multiple times to request clarification and to inquire about the timeline for receiving my refund, but they have not responded to my emails or inquiries. 

I am seeking assistance in resolving the following issues : XXXX. Confirmation of the {$2100.00} refund from XXXX and its application to my account. 
2. Confirmation of the outstanding balance prior to the refund.

3. Immediate processing and issuance of the refund for the overpayment difference.

4. Documentation of the account closure and confirmation that no balance remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a difficult time getting Experian, XXXX, and XXXX to remove an account that they are inaccurately reporting. I have sent many dispute letters to the point of no avail. They are reporting that the account XXXX XXXX XXXX XXXX was late 2 times and eventually charged off. This is not true. During 2020, I was on deferment due to XXXX so there should be no late payments according to the FCRA. I am asking that the credit reporting agencies remove the account from my credit report or update the account to paid as agreed never late, removing all late payments for their negligence. I am aware that I can be compensated up to {$1000.00} per violation, but at this time I am only interested in the deletion of the inaccurate information to reflect my true credit profile as this is causing me extreme distress. I do look forward to a response within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft WELLS FARGO BANK Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry:XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to correct an inaccurate collection account reporting on my credit file. 

The collection account from XXXX XXXX ( Account : XXXX ) is being incorrectly reported as " open '' with a " past due '' balance on my TransUnion credit report. However, under standard credit reporting guidelines : Collection accounts are not open. Once a debt is sent to a collection agency, it is no longer an open credit account. 

Collection accounts should not have a past due balance. The past-due designation only applies to active accounts with the original creditor, not to debts that have been charged off and sold to a collection agency. 

This violates industry reporting standards ( as per the Credit Reporting Resource Guide ) and the Fair Credit Reporting Act ( FCRA ). 

I disputed this error with TransUnion, but they refused to correct the mistake. A TransUnion representative stated that the collection agency can report the account as " open '' and " past due '' because they are trying to collect the debt. This is factually and legally incorrect. 

Under FCRA 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a reasonable investigation and correct or remove inaccurate information. TransUnion has failed to do so. 

Resolution Requested : I am requesting that the CFPB require TransUnion to : 1 Correct the reporting by marking the collection account as closed and removing the past due status. 
2 Provide written confirmation of the correction. 
3 If TransUnion can not verify the accuracy of this reporting, they must delete the account per FCRA 1681c ( a ) ( 4 ). 

I am attaching a copy of my dispute letter, my credit report with the error highlighted, and all supporting documentation. 

I appreciate the CFPBs intervention in ensuring compliance with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed Experian a letter letting them know of violations regarding my personal information and that it is in direct violation of the Privacy Act of 1974. 

Attached is a copy of that letter along with my consumer report as proof of violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I tried to recover my credit report. I was told I could not have access to it because I had no address on my credit so I needed to identify myself so I sent in my drivers license, social security card, and a bank statement via upload. Had no response. I began to repay my credit in hopes of purchasing my first home in XXXX XXXX Experian said I needed to resend the documents to identify myself again. I sent it via mail overnight with tracking so I could know when it was delivered. I waited the 3 days until I called again they said it was being worked on. XXXX XXXX I called to check my status and they said they never received my documents and by that time my mortgage company tried to pull it 3 time with no success. They said they couldnt give them access because my account was still missing address. My tracking on the letter said it was delivered on XXXX XXXX. I called back on XXXX XXXX and they said they didnt see my documents and I was basically at the mercy of Experian as to whenever they decide to upload my documents. I explained that I have been trying to access it for a year at this point sending 4 sets of document to Experian and nothing was ever added to my credit report. I am still waiting for my report to be released so the mortgage company can gain access to my report before I close on a home. If my mortgage company is unable to pull my report I will not be able to purchase a home. I am an XXXX American woman that has done all the things I need to do to improve my credit and identify myself. I have no other options at this time. I will loose the opportunity to buy my first home unless my credit report is corrected and released to the mortgage company and myself.
Product: Credit reporting or other personal consumer reports

All three major credit bureaus XXXX, XXXX XXXX and Experian solicit paying for account services including credit monitoring or offer unsolicited products including checking accounts and credit cards that promote fixing my credit. 

Is this not an obvious conflict of interest? 

How can a supposedly unbiased XXXX party that controls if I'm able to buy a car, buy a house or even feed my family solicit me for services to pay them to fix my credit that they report on and that all credit providers use to judge my credit worthiness?
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first establishedXX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

BY 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. XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, and XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX HAS VIOLATED MY RIGHTS.15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH 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 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

15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer to furnish an account without my written consent. 15 USC 1666 B : A creditor may not treat a payment to a credit card an open - end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This item was re-inserted and should not be on my report. Kindly block and erase the inaccurate accounts being reported on my credit report. This action needs to be completed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes that can help me delete all inaccurate information on my credit report with transunion. alot of data is an error an is hurting my credit report from being 100 % correct. please review an remove all the information sent in the file asap.
Product: Credit card

I mistakenly shorted my XX/XX/XXXX payment of {$110.00}. Realized the mistake on XX/XX/XXXX when payment was due XX/XX/XXXX. Paid entire balance by XX/XX/XXXX and then was charged almost double interest than the month before. 

Company stayed thats their policy to charge interest until 2 months following IF the next 2 months are on time they will stop charging interest. 

Total interest to date on {$110.00} is : XXXX + XXXX! 

Also ; in addition to this being completely wrong Ive tried finding that in their statement of my rightsI cant!
Product: Prepaid card

I have an American Express Bluebird card I had purchased from XXXX back XXXX XXXX or XXXX and used it for bill pay purposes and work related direct deposits. On XX/XX/XXXX, after having been paid and verifying I had roughly {$340.00} in the account, I had made an online purchase on a gaming site I had used multiple times in the past. After making the purchase, I was texted with a " did you make this purchase '' text for verification. I had clicked yes to indicate I had and the account was immediately locked. I called customer service, had the account unlocked, and explained it was me making a purchase for the amount and the name of the site. It was unlocked and i was told to try again, which i did. The card was immediately locked again. I tried logging in to my onljne account and was met with an " account frozen '' banner so I called customer service again to explain my situation and after asking for information on why it was frozen, was told they could not unlock the card and to call back in the morning. I called back next morning and this time i was told it was locked due to suspicious activity and that the " fraud department '' needed to review my account first and that I should call back in 2 days. 2 days later I called back and was met with customer service reps that had no idea what they were supposed to tell me and would not give me info about my account or whether or not it would be unlocked in the coming week. I asked for the number or email for the Amex fraud department and was told that could not be given to me then they hung up. I called back and spoke to various reps over the span of a few hours until I finally gave up. I scoured the internet for a customer service number that was us based so I could speak with anyone willing to listen and was unable to find anything. I tried calling Amex again over the course of 2 or so weeks and was met with the same issue each time. At this time, I had a second pay check direct I could not divert deposited into the account. I changed my direct deposit information and kept looking around the internet for info on who to call or write to with little success. A few weeks ago a friend of mine sent me a link to this site and now here I am. 
Yes it has been a while, but frustration and lack of information got the best of me.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$820.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX   XXXX {$100.00} XXXX XXXXXXXX {$7700.00}
Product: Credit reporting or other personal consumer reports

Delete now the following claim ( s ) one or more of being not certified properly communicated, unverifiable, invalid, untrue, inaccurate, inadequately unabridged or incomplete to mandated standard, untimely recorded, not affirmed by note proof to be of a known ownership of my responsibility, inconsistently divulged, deficiently recited, questionably believed and or else wise appearing to potentially be a deviation of or from the Metro 2 Standard of ethical, lawful, and compliant reporting of delinquent, derogatory, and or else wise possibly negative claims purported versus me as the consumer. Remove immediately and until certifiably compliantly reported any negativity related to
Product: Credit reporting, credit repair services, or other personal consumer reports

To  XXXX  :   XXXX   XXXX   XXXX    XXXX , TX   XXXX   The following inquiries are in correct Someone has my personal information and has tried to apply for credit using my personal information. I have a added a fraud alert on my file Please remove these fraudulent inquires   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX Account name   XXXX   XXXX   Date of request XX/XX/XXXX  Account name this one is   XXXX   XXXX   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX nquiries shared only with you Account name   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name  XXXX  Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX Account name   XXXX   XXXX   2 Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX
Product: Debt collection

Someone is using my name to get medical help in state of texas. Letters from collection agency from XXXX XXXX XXXX XXXX XXXX, XXXX attorney at law. There is also another from XXXX -ran emergency physicians. These debts were not me cause I live in California n not in Texas.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX. 

I looked at my experience credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) treatment of inaccurate or unverified information ( A ) in generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by consumer and item of the information is found to be inaccurate or incomplete, or can not be verified the consumer reporting agency shell- ( 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 ( iii ) promptly notify the furnished of that information that the information has been modified, or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are supposed to 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.