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

I have sent a dispute on XX/XX/year> to TransUnion, XXXX, XXXX. In return I received a stall letter or or email from TransUnion, and XXXX, from XXXX I have not received anything from. From TransUnion The stall letter message was emailed to me XX/XX/year> XXXX Which I have attached proof, I received on XXXX XXXX at XXXX which has been attached as well. You will also see in my attached documents my disputes of the inaccurate information, asking for validation of said information. I have also attached a letter from the court clerk stating they do not report this information to anyone, as well I have included in my disputes proof of address, and my Government issued ID show that it is indeed me. Along with proof that it has been delivered, and how it is inaccurate on my credit report. I am requesting that this inaccurate information be deleted at once, as I feel like I have provided more than enough information. If this does not get removed. I will contact my lawyer and the federal courts to sue for damages and removal of this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, The reason for me filing this complaint is due to TransUnion credit reporting agency failing to initiate complaint after receiving my request XX/XX/2018, certified mail. On XX/XX/2018, I contacted TransUnion to get status update on the investigation on the following accounts listed below I was told they have no record of ever receiving an credit dispute on file. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6 . XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX  10. XXXX XXXX XXXX  11. XXXX XXXX XXXX   12. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing school on my report that I never attended XXXX XXXX XXXX XXXX XXXX University
Product: Debt collection

On XX/XX/XXXX I settled my debt with XXXX XXXX  through XXXX XXXX and XXXX for the amount of {$3600.00}. I was told on a recorded telephone call that this would settle my debt. I was also sent paperwork which confirmed this. On XX/XX/XXXX I was called and told that XXXX rejected the settlement, s and I would be made to pay the full amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to report negative fraudulent information on my credit report that does not belong to me, Transunion as well. I have submitted numerous complaints to no avail. They are in violation of the FCRA.
Product: Credit card

I am formally disputing the reporting of late payments on my Capital One account. I have been a loyal and responsible account holder for over XXXX years, maintaining a positive payment history. However, due to XXXXrelated financial hardship and a divorce, I encountered temporary financial difficulties and worked with Capital One to make proper arrangements during that time. Despite my compliance with the agreed-upon terms, these late payments continue to be reported inaccurately, in violation of federal and state credit reporting laws. 

CARES Act Protections ( XXXX XXXX XXXX. XXXX ) Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, financial institutions that provided assistance to consumers during XXXX were required to report those accounts as " current '' if the customer complied with the agreed-upon modified terms ( CARES Act, XXXX ). Since I followed all arrangements, the reporting of late payments is a direct violation of federal law. 

Fair Credit Reporting Act ( FCRA ) Violations ( XXXX U.S.C. XXXX et seq. ) FCRA XXXX ( a ) ( 1 ) ( A ) Creditors are required to ensure the accuracy of information reported to credit bureaus. Reporting my account as delinquent despite my participation in an agreed-upon hardship plan is misleading and inaccurate.
Product: Credit card

While looking at my credit report on XXXX XXXX Chase venture one rewards card preapproval popped up on my screen. 
When I clicked on the ad It said I was preapproved And all I needed to do was fill out the information to get a credit card from Chase. 
I filled out the information and congratulations you are approved. 
Then I received an email stating a credit card will be sent to me in 5 to 7 business days. 
As I was reading the email received a credit alert from my XXXX XXXX account and XXXX XXXX stating Chase Bank had done a hard inquiry. 
I was preapproved approve, It said no hard inquiry, Then I find out they did a hard inquiry in fact. 
Thats misleading, false advertising. 
They need to disclose that there will be a hard inquiry upfront, so people have the option to choose whether or not they want to damage their credit, In my case, Ive been trying to bill my credit score to the max for several years now, and I would not have accepted a credit card, knowing there would be a hard inquiry. 
I would like this hard inquiry to be removed as it was done on the false pretense and improper advertising From XXXX XXXX and from Chase, both are at fault in this case.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. I recently within the last XXXX months disputed and account from XXXX XXXX XXXX. This account was directly related to identity theft and the account was removed as it should have. I am grateful it was removed in a timely manner however the address that is attached to that account still shows as an mailable address on my consumer report. This is inaccurate as I have never lived at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. This address was in connection to a XXXX property that was illegally obtained in my name without my authorization. As stated earlier in this complaint the fraudulent account which this address originated from has already been removed from XXXX XXXX XXXX XXXX consumer report however the fraudulent address still remains. I demand that this address be removed due to the fact it is inaccurate as I have never lived at this address and due to the fact that it originated from an account that was removed due to identity theft. Furthermore this address is not a mailable address I can not receive mail at this address. This address must be removed I have attached my social and ID along with a utility bill from my most recent address as well as the orginal identity theft report I submitted with original dispute of the fraudulent account.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Credit card or prepaid card

On XX/XX/20, I attempted to close my bank account and credit account with Chase bank. I was refused from closing my account and Im unable to pay my credit card bill because they have locked me out of all of my accounts and removed online access. 

I can not set an appointment to visit my local branch because of the corona virus. No person on the phone is helping be to solve this issue after all day on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information on my credit report. Company was unable to provide or validate the debt and has not removed the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has fraudulently been using my SSN since XX/XX/XXXX and in XX/XX/XXXX was convicted in open court of identity theft, ordered to stop using my SSN and released. She has not only continued to use my SSN, she has my current contact info and is opening accounts with my cell phone number which was changed a year after she was convicted. 

Equifax & XXXX  wont don't anything to help me as my information does not " match '' their files ( duh ), but the same fraud alerts were placed with them for the same reason going back to XX/XX/XXXX and they still have done nothing to correct their records. 

I have gone round and round with XXXX XXXX, XXXX XXXX, XXXX XXXX  and multiple Collectors to absolutely no resolution for the past several years and as recently as XX/XX/XXXX. These institutions left the fraudulent accounts open because I couldn't prove who " I '' was. I have filed multiple police reports and requested assistance from my State Rep and every time I receive the answer that " No Identity Theft or Fraud was Found ''. 

Equifax 's site only allowed entry of a few of the items from the fraudulent history, but every single account listed on there is fraudulent & now wont even talk to me on the phone as their records have my name spelled incorrectly and even though I confirmed all my security question information correctly. In addition, because I cant " prove who I am, I can't even place a fraud alert '' With regard to XXXX, I can not even ACCESS my credit Report and they won't talk to me either .... 

9 years now,,, and Im still jumping through hoops to resolve this! The ONLY bureau that has everything correct is XXXX.
Product: Debt collection

Debt was paid XX/XX/XXXX but it is still showing as collection in my credit report as of XX/XX/XXXX! I have complained few times at consumer finance and also called the collecion agency few times but it was never resolved. Collection agencies need to inform the credit bureau right away if the collection amount is paid off.
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 Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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

I pulled my credit for the time in 8 years and I have many derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX XXXX {$350.00} XXXX  XXXX XXXX {$370.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$76.00} US DEPT ED XXXX {$6900.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$3500.00} DPT ED/ XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't view my credit report mon the bureau website
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. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Experian about the horrible mistake. They sent me a letter stating that they verified the information. XXXX XXXX I say. I dont consider sending some computer-generated generic letter verification. I also reached out to the furnisher and they agreed to repair the account in my file. Why dont you actually research my account history this time and see the errors yourselves? After doing so you will see that it is false to report I was late on XX/XX/2021. Please update and correct my account right away. 

XXXX  XXXX
Product: Mortgage

In XX/XX/2021, I received a letter from Truist ( who had recently become my mortgage servicer after a refinance ) asking for insurance information on my condo. The letter said that if I did not purchase insurance, they would purchase insurance using my escrow money. I called the number for a rep at Truist- to tell the mortgage servicer that the condo association provides the homeowners insurance. ( I had a mortgage serviced by XXXX XXXX  and this issue never came up ). I was very clear that I DID NOT want Truist to purchase insurance on my behalf, since I am already paying the insurance as part of my condo fee. The XXXX representative asked for documentation. I called my condo association and they sent me a notice of cancellation for one policy, and a notice of the new policy information. As Truist directed, I faxed this information on XX/XX/XXXX. I did not receive a timely response. Next, I received a second notice from Truist telling me they were going to purchase ( sub par - their words ) insurance using money from my escrow account because they had not received information on the current policy. I told them that I faxed the information on XX/XX/XXXX. They told me that was the wrong information and I should have sent the Certificate of Insurance. So, I called my condo association management and they provided me with a certificate of insurance. I uploaded this to the portal the Truist representative gave me. A few days later I received an email that said " Thank you. This email is to inform you that we have reviewed the recently submitted document ( XXXX ) and are unable to proceed with updating the policy information. '' So I called and asked why they were unable to proceed and the customer service person on the phone said they did not have access to tell me why it was rejected. This happened three more times -- three times I uploaded the document and each time I got an email saying they could not proceed. I called again and this time the customer service person told me to send the document to SunTrust instead of Truist, which I did. Next I received in the mail an insurance policy. After that I received a notification that my mortgage payment was going up over XXXX dollars a month ( which is more than it was before my refi! ) and that they used my escrow to purchase insurance. I am very upset and feel helpless here - my condo association pays for the insurance so I am now paying double. I pay XXXX a month for condo fee, in a place with very few amenities ( so the insurance is a big part of my fee. ) And again- when I had my servicer through XXXX XXXX I had no problem- they never asked me for proof of insurance, because the condo association provided it to them. I even called my mortgage company to ask for help but my representative does not work there anymore. I hope you can help me. 

I also suggest the CFPB look at XXXX to see the many many complaints about Truist mortgage servicing.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, the accounts & negative items listed in the documents enclosed are a result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX IXXXX XXXX  The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX  Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX
Product: Checking or savings account

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX Chase Bank Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Inquiry Date : XXXX Claim Number : XXXX Account Number Ending In : XXXX This document ( and the accompanying documents ) are to serve as a formal request for Chase Bank to provide ( in writing ) details of evidence reviewed and Chase Bank 's protocol regarding denial of the above noted claim initiated on XX/XX/2021. 

The enclosed documents demonstrate the transaction in question ( approved by Chase Bank ) was not initiated and/or authorized by me ( the account holder ). 

Pursuant to Uniform Commercial Code ( UCC ) 2-201. Formal Requirements ; XXXX of Frauds. Transactions in the amount of {$500.00} or more require ( a written ) authorized signature in order to be enforceable. As the holder of the above referenced account, I did not in writing, or in any other capacity, authorize the transaction of {$1900.00} on XX/XX/2021 to be processed via the above noted account. 

As the transaction in question was not in accordance with UCC 2-201, I am requesting Chase Bank review its decision to deny the above referenced submitted claim. Also, as the transaction in question was not in accordance with UCC 2-201 it is requested that Chase Bank apply a provisional credit of {$1900.00} to the above referenced account until all full formal investigations and/or formal reviews associated with this claim have been conducted and completed. 

My genuine intent is to resolve this matter with Chase Bank in a just and amicable manner ( save reporting the issue to the appropriate financial regulating authority ). I look forward to working with Chase Bank in resolving this matter. 



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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove ASAP.
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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX 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 t with 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 informationAny 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 or other personal consumer reports

XXXX, XXXX, and Equifax continue to report invalidated information on my credit report without sending me doucments to validate the debt or documents that indicate the methods used to verify each account. These companies are using deceptive practices in order to coerce me into paying on debts I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency Paramount Recovery has ILLEGALLY re-aged a collection they are in possession of. That is a direct and serious violation of FCRA. I've already disputed the problem with XXXX and XXXX. I am now submitting a formal complaint about it. I don't have any documentation to support my claims. But I will say I haven't been in or lived in Florida in over 5 years, the original creditor is winter haven hospital which is in Florida and on my credit it shows the account opened XXXX of this year 2021.