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

Called XXXX  ( Transunion ) ( XXXX  ) on the phone, was redirected several times until i reached an agent whom i could understand and was in the US. I explained to them how i was COMPLETELY SHOCKED after viewing from credit report. This particular agent was very helpful and gave me several different ways that i can be helped if i submitted the proper documents. I've mail them in before and called up hoping and praying that i'd get that same helpful agent whose name i just can't recall, but this time i was funneled to a call center outside of the usa and could not be helped at all, after research and guidance i was led to this portal to assist in coming to a resolution. With people living outside the USA handling my personal info, im not surprised at all at the level of fraudulent activity on my credit report. Im hoping for a resolution immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached letter sent to TransUnion on XX/XX/2018. I had previously disputed the invalid collection notice from XXXX XXXX XXXX on my credit report in XX/XX/XXXX. I received a notice stating that TransUnion " verified '' all of the information on XX/XX/2018. In a phone call thereafter, I asked what they 'verified ', because there is absolutely NO documentation to support any agreement to pay any set amount of money on any regular dates in regard to this error. I was told that the company verified the amount, the date, and some other information. Naturally, the company ( XXXX XXXX XXXX ) would say that it is correct. But that is unsupported. Where is the documentation? 

I reached out to my attorney who advised me to write the letter attached, disputing it again, and in writing clearly stating the non-existence of any of the following : There has been : - NO application for credit - NO credit extended - NO loan in any amount - NO signed agreement to pay funds in any amount - NO signed agreement to pay funds on any dates or intervals There has been NO exchange or trade of any goods or services related to the matter.

Without the above, there can be NO late payment, NO missed payment, and NO valid collection notice should be on any credit report. 

TransUnion representatives told me in a recorded call with a supervisor that they do not require any evidence of the debts that companies post for collection. I could not believe they were telling me this. It is both asinine and absurd. Furthermore, why waste time with a dispute? They may as well save some money on employees working on investigating disputes, because that is a waste of resources. In the letter, I requested in writing that TransUnion ask the companies reporting the collection to provide them with each of the above documents. If they are unable to provide all of those things, ( which they can not because those documents do not exist ) then TransUnion needs to remove the collection notice immediately. TransUnion needs to actually do their job and make sure consumers are protected from people/companies who are trying to use credit reporting agencies to manipulate consumers. There is no legal basis to have this collection notice on my credit report. If the company feels that they are owed money, they may file a lawsuit, however, they may not legally send collection notices to any credit reporting agencies.
I consent to this complaint being published publicly.
Product: Credit reporting, credit repair services, 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 correct : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$6700.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXX  XXXX XXXX : {$5100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to being notice to of the unlawfully reported unauthorized accounts on my consumer report this has violated my federally protected consumer rights to privacy and confidentiality under the FCRA law USC 1681. I have not given my written permission to put anything on my credit profile. I have been violated by you as state 15 USC 1681b You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated Identity THEFT! to title 18 USC 1028A. You have knowingly possessed, transferred, and or used without lawful consent and authority means of identification of me. Which is a Felony Punishment of 2 YEARS imprisonment! including civil liability, You're in violation of 15 USC 1692g and can be fined {$1000.00} per violation. Delete these account per my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX/XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX  XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX  XXXX  XXXX   XXXX {$96.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed documents with XXXX XXXX for an Auto Loan at 4.29 % for 72 months. The New Car Dealership that I purchased the  vehicle from titled the vehicle improperly. Once notified by XXXX XXXX I spent 2 days tracking down the title, signing it and turning it in at one of their branches with the branch Manager. Therefore XXXX XXXX is in possession of the title which should have shown in good faith that I wanted this to be an amicable relationship. During this entire time, I continued to pay my contracted payment of {$1100.00} EARLY every month. Based on conversations that I  have had with XXXX XXXX, my contracted Auto Loan with GAP insurance has been converted to an unsecured loan at some outrageous interest rate which I never signed up for and they have continued to report my payments late to the credit bureaus although they receive their payments month in and month out. In addition, they are still charging me for GAP insurance on what they consider an unsecured loan. As someone who works in the Automotive Industry at the dealers level, I have never seen a Credit Union release funds until the Title App was properly filled out showing the bank as lienholder. Although this whole ordeal is NOT my fault, I have taken time out of my busy schedule in an effort to rectify this situation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and I previously disputed and successfully removed several fraudulent accounts from my credit report. However, upon reviewing my latest credit report, I discovered that the following fraudulent accounts have been reinserted without proper notification, which is a violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) : XXXX XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Status : Charged-off with a balance of {$320.00} XXXX  XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Status : Charged-off with a balance of {$1800.00} XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Status : Charged-off with a balance of {$500.00} These accounts were previously removed from my credit file after I submitted disputes and provided documentation proving they were fraudulent. However, they were reinserted without the required written notice within XXXX business days, as mandated by the FCRA. 

I have already filed an FTC Identity Theft Report and submitted disputes to have these accounts removed. Their reinsertion is a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are 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 your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX & XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.Its my understanding that Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : ACCOUNT NAME XXXX  : ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian, XXXX and XXXX concerning a collection account they are reporting under XXXX XXXX XXXX {$570.00} ( world XXXX XXXX-XXXX XXXX ) This account is not verifiable and inaccurate and should be removed. 

I have enclosed a letter by the original debtor sent through CFPB showing proof of documents they sent stating the debt amount is not valid- XXXX XXXX XXXX was purchased by XXXX and here is their notice sent to me. 

I would like this removed and deleted as they clearly show that the amount listed {$570.00} is not accurate and this is fraud by Experian and XXXX XXXX by reporting this other wise with out any documentation
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX {$290.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) CXXXX {$290.00} XXXX XXXX Charge-off {$5800.00} XXXX Charge-off {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX BXXXX XXXX XXXX ) XXXX {$440.00} XXXX XXXX {$440.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
I need the following accounts removed as I have no knowledge of listed accounts below XXXX XXXX Under dispute Date opened XX/XX/XXXX {$160.00} Balance Status Account charged off. {$160.00} written off. {$160.00} XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance XXXX  {$1500.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance XXXX  {$1100.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

XXXX.I was in contact with the agency regarding settling my debt for a reduced amount of {$1000.00} on XX/XX/2025. They verbally agreed to the settlement. However, they refused to provide written confirmation of the settlement terms. 
XXXX.Despite my requests, the agency refused to send a written settlement agreement that would confirm : The debt would be marked as paid in full or settled with a {$0.00} balance. 
No further collection efforts would be made, and the remaining balance would not be sold to another collector. 
XXXX. I have also asked for written confirmation that this agreement would be reported as resolved on my credit report, but they have not complied.
Product: Debt collection

I sent a debt validation letter three times on the following dates : XX/XX/2022, XX/XX/2022 and XX/XX/2022 and each time this company has failed to validate the debt. They have refused my rights in knowing the adequate validation requirement and have included numerous falsified statements within each letter response. Instead, this company sent a list of my medical records in which I know is a direct violation of HIPPA regulations. I never signed a HIPPA authorization form permitting this company to have access to my personal medical files.
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by ONEMAIN FINANCIAL on XX/XX/2017 which l have no idea about it at all.
Product: Credit reporting or other personal consumer reports

I sent a debt validation number to the creditor and they where not the only one the other dropped right off for this specific collection account Experian opened a dispute with no information available as to why it was opened because I never opened it. I am not able to get in touch with a actual representative about the matter, because this collection is unlawfully reporting and effecting my consumer report.
Product: Mortgage

Chase has been reporting past due payments to XXXX, XXXX, and XXXX. The reason is because Chase place a forced insurance on my note, when I already had homeowners insurance. I sent them proof of insurance and they corrected the problem in their system, but left me with past dues on all XXXX reporting agencies. I asked the mortgage department for help and they said it would be corrected in 60 days. This is totally unacceptable and needs to be fixed asap, because I am refinancing my home. They gave me a wrong fax number to send my complaint to and it was XXXX and I just found out today that it should have been sent to XXXX. This is totally unacceptable. My chase mortgage account number is XXXX. Please help with this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I have followed all the steps that Equifax has asked me to follow Ive went through with all the procedures customer service has failed to help me every single time I would love to get this all taken care of I have sent out in all reports somewhat not
Product: Credit reporting

how can a disputed claim be taken off my credit report then a month later just put back on again????
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am writing to file a complaint regarding inaccurate reporting on my consumer report. Attached it my disputes to your company and my power of attorney to assure my disputes are processed without any stalling methods from your company. Since I have not received my initial disputes back from you in a timely manner I expect these to be processed and finished within 15 days of reinvestigation.
Product: Debt collection

My insurance carrier at the time required pre-authorization for a procedure that was done. I was not advised at the time of treatment and i didn't give written consent for payment by me.. I had thought it was resolved on several occasions as i contacted XXXX and they assured me it was resolved. However i continue to see it on and off my credit report. There is no justification for this bill. It was an insurance issue that the provider did not do what they were supposed to by getting an authorization. Is there also a no balance billing in place also here?
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 recieve 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 {$730.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$730.00} XXXX   XXXX {$1000.00} XXXX XXXX {$730.00} XXXX XXXX XXXX {$75.00} XXXX XXXX {$300.00}
Product: Student loan

I 've just seen a report that the CFPB have, in my opinion, rightly, sued Navient, formerly XXXX XXXX. I had more problems in the beginning of my loan in regards to abusive calling, rising & outrageous interest ( sometimes due to deferment plans ), & unrealistic repayment plans/advice. My main 2 issues, however, would be that when I 've called to remove a co-signer, at least 3 times, they 've made it a much more complicated process than it should be, ultimately always denying the request. One such event was not alerting me to a payment that did not go through on their website and not alerting me, even a month later, that it had caused me to go late. Another was also not communicating correctly that when submitting paperwork to release the co-signer that they required redundant forms and when I submitted the form they cited that it had to be filed within 30 days of the original submission, thus leading to a denial of my request. Thank you.
Product: Vehicle loan or lease

US Auto Sales financed me a car that the value has been quadrupled the amount of the retail value of the vehicle and they agreed to transfer me into a cheaper vehicle, then the next week they went out of business, I have a XXXX XXXX XXXX that they are charging me almost {$24000.00} that is well over the XXXX XXXX price for the car, I would like a cheaper vehicle or a reduction in price of the vehicle, I have not missed a payment and have been a excellent customer, Westlake Portfolio has threatened me and told me that I have to pay that balance no matter what!!! I need someone to talk to about this because the vehicle is super tiny and I am being ripped off, thank you