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

On XX/XX/XXXX I sent a letter to TransUnion to request validation of a Bankruptcy listed on my credit report. On XX/XX/XXXX TransUnion sent me a letter with their investigation results. It stated that the item was verified as accurate. On XX/XX/XXXX I sent a letter again to TransUnion stated that I asked them to validate the alleged Bankruptcy they are reporting and the Bankruptcy was verified by the courts. I went directly to the courthouse and they claimed they never verified the bankruptcy and I enclosed a letter from the US Bankruptcy Court of Minnesota. I asked for this item to be deleted off my credit report as it is NOT validated. On XX/XX/XXXX I received a letter from TransUnion stating again the Bankruptcy was verified. Then again on XX/XX/XXXX I received a letter from TransUnion stating that their records show the investigation was complete and they are not required to reinvestigate the same item again at this time and that if I have any additional information I can upload it and they will complete a reinvestigation. I have provided to TransUnion a copy of each letter I have sent and the letter from the US Bankruptcy Court of Minnesota as well as their own documents they have sent me with no resolution. I called TransUnion today XX/XX/XXXX to discuss this account and went through my request letter by letter and asked for this information to be removed from my credit report as they have not properly validating this account. I was told they did not have to provide the 3rd party agency if they used one as a part of the validation or verification, she stated that they probe for the information and report it to consumers credit reports. She stated she could no longer assist as the information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts as they are fraud, - to confirm that I am attaching Police Report in the files. These accounts are not mine and please take a look at my police report and remove them from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the inquiries : XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX  XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX/XXXX  ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX  XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/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 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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

There was a judgement that was passed during a class action lawsuit XXXX XXXX were in violation if section 1031 and 1036 of the consumer financial, 12 U.s.c. ss 5532,5536. for reporting false information under section 1053 and 1055 of the cfpa 13 u.s.c ss 5563, the bureau issue this consent order .So XXXX account number XXXX XXXXXXXX XXXX violating my right per fcra please delete off my credit report attach is the court order
Product: Payday loan, title loan, or personal loan

Hi, my name is XXXX XXXX i got mobiloans back in XX/XX/2017 and there is a lawsuit about the high interest rate 's i got letter from XXXX XXXX Settlement sayin g that they would forgive any debts that was owed and there would be cash payments but still i am receiving XXXX  phone calls from a company which i do not know what the company name is and saying they will send me to proceedings and calling my family members also. If anyone can help with this. Thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I've noticed some unfamiliar entries on my credit report, suggesting possible identity theft, as I did not authorize these accounts. This issue has caused me significant stress, as these entries do not accurately reflect my financial history or how I manage my money. I've raised this concern previously, and I'm now urgently requesting the removal of these accounts from my report. If this matter isn't resolved promptly, I'm prepared to pursue legal action to safeguard my rights and seek a resolution. These erroneous entries are hindering my ability to achieve important financial milestones, such as purchasing a home and providing for my family. I sincerely hope we can address this matter expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

HSBC bank usa opened an illegal credit account without my consent in XXXX thru my checking account.theres no document with my signature in which shows that I agreed to such account.Hsbc broke my rights as a customer and as a us citizen the account has a balance of {$330.00}
Product: Checking or savings account

Since XX/XX/2023 Bank of America has been charging me monthly maintenance fee of {$5.00} for not maintaining a minimum balance on the account. This cause my account to go in the negative. Once I was able to bring my account above the minimum required amount they continued to charge me an additional monthly maintenance fee. 

I reached out to Bank of America and they were only able to provide me with a month of credit for the fees.
Product: Credit reporting or other personal consumer reports

In according to the fair credit reporting act. XXXX account # XXXX has violated my rights. 15 U.S.C.1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A section 2 : A consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX 15 USC $ 1681c-2 a consumer reporting agency shall block the reportingof any information in the file of a consumer that the consumer identifies as informnation that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in direct VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL SUBJECT to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordancewith the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts/items listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint encumbers TransUnion, XXXX, and XXXX. 
Date : XXXX - XXXX I need clarification on why creditors are able to receive updated consumer reports on their current customers. As the credit bureaus are behind and updating data from the creditors, this can be harmful to consumers. 

For example - XXXX XXXX has been my creditor for XXXX  years. They are able to access my credit file at any time. If I have not been behind on my paying all creditors, XXXX will reduced my credit line line due to the inquiries on the credit report up to and including increases on interest rates. The inquiries caused a XXXX XXXX decrease and decreased my available credit. 

When the credit line was decreased, the credit line is closer to being maxed out which also had a negative impact on my XXXX XXXX XXXX. The credit line is over extended and continues to be a domino effect as the other creditors follow suit. 

The FICO scores are designed to keep everyday consumers down. The FICO scores determines what subprime lending box the consumer will be put in, not include favorable terms for consumers.
Product: Debt collection

My bank account was Levied from an account I have never had. XXXX XXXX The notice was from 2011 this was 7 years ago and not they levied my account. 

According to the Timed Barred Debt with the States Attorney Generals office this is uncollectible. 

I do not owe this debt. 

I never had an account with XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Consumer Loan

I had an auto loan with regional acceptance corporation. The account was charged off and included in my bankruptcy. However the account is now 7 years old as reported my first late being XXXX 2009. After several attempts you contacted regional acceptance. I received a reply that they would remove four months of reporting charge off after my bankruptcy was filed. However I was then told that my first late on this account does n't count towards the seven years because I then became current before becoming late again. I am only allowed to speak with there bankruptcy department when I call and was told do what I need to do they were n't updating my credit report. I received a letter from XXXX XXXX. The bankruptcy department states she does n't work in bankruptcy or credit reporting so they do n't know why she sent me a letter. This account is over 7 years old and by law is to be taken off of my credit report. Everytime I call I am directed to bankruptcy department. That is all I am able to speak with and they tell me to do what I have to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : MEDICAL, DEPT OF ED/XXXX DPT EDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : US SM BUS ADMIN XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHT 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHTS TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FUNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION 15 USC 1666B : A CREDIT MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER PLAN AS OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE
Product: Credit reporting or other personal consumer reports

I've just examined my credit report and discovered fraudulent accounts listed on it. Could you please remove these accounts? Their presence is negatively impacting my creditworthiness and hindering my ability to secure credit.
Product: Credit card

My credit card accounts was close for no reason. I have been a customer for over 20 years and this is absolutely ridiculous.
Product: Debt collection

On XXXX I disputed a {$1200.00} I requested that the debt be validated in that request.
Product: Debt collection

I originally renew my service with XXXX XXXX XXXX on XX/XX/XXXX over the phone later calling them back on XX/XX/XXXX to cancel after leaving XXXX XXXX  obtaining service for cell phone and internet my numbers were being ported receiving a better rate. I have tried to resolve this issue with XXXX XXXX XXXX several times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I try to explained this to XXXX XXXX XXXX, I asked them to research. I was told I would have to pay for them to research. I have proof of bills XXXX XXXX XXXX billing me after service was transfer, copies of returned labels and XXXX XXXX  proof of purchase. A letter address to CFPB.
Product: Consumer Loan

My interest payment is XXXX and the car payment is XXXX. I was assured by the loan originator at XXXX in XXXX California, that once I purchased the van with their financing I would be able to easily to get a lower interest loan by refinancing at my credit union, however this was not correct, I went to the credit union and the purchase price was too high and the credit union would not take my loan, so I am stuck paying XXXX per month in a desperate attempt to lower the principal amount, however this is impossible. I am retired on a pension and social security and felt as though I was baited and switched on the auto loan, and taken advantage of because I was in a desperate situation regarding transportation.
Product: Debt collection

I have been contacting/attempting to contact XXXX XXXX of Trans-world Systems Inc. Since XX/XX/XXXX. I left countless messages, called endlessly and never received a call back. I was told by customer service since I previously filed a complaint no one other than the assigned manager is  allowed to speak to me. I finally spoke to her early XX/XX/XXXX after making at least a dozen calls. At the time we spoke my treasury payment had been intercepted. I explained to her my savings bond redemption had been offset for the amount of ~ {$1800.00}. She told me the credit was not yet applied to my outstanding balance. I asked her to contact me when it had been processed and I also asked to make a settlement offer of {$7000.00}. On XX/XX/XXXX XXXX left me a voicemail. She claims XXXX returned with a counter offer of {$15000.00}. She also suggested I provide her all of my personal financial information to apply for a hardship dismissal of the debt. I asked her to mail me the offer letter and I would review it. I received the letter XX/XX/XXXX. I was told by XXXX that offers have a 60 day payment period, she sent me a notice that payment is due in 30 days. I was also told by XXXX that she would list my original offer on the letter, but that is missing. XXXX told me this debt could be collected indefinitely even after I asked about the 10 year statue of limitation. She used that as an intimidation tactic and falsely implied that by giving her all of my financial information it could help with a new settlement amount. That information was omitted from the correspondence I received.
Product: Credit card or prepaid card

I have multiple transactions that I did not authorize and my card has been missing since the XXXX of this month. Unfortunately I had my pin on the back of IT. This has never happened to me before. Usually I am on top of things but lately I have experienced some health issues, and I can't believe that As many times as I've called no one has assisted me with this issue. I desperately need my money as well as a new card. Alls they do is transfer me and after 1- 3 hours later I get disconnected. PLEASE HELP ME IN RESOLVING THIS MESS.
Product: Debt collection

Hi. Mi name is XXXX XXXX XXXX. Mi email : XXXX Mi last SS digits : XXXX Today, XX/XX/XXXX, I received a notification from the app XXXX XXXX. 

The app said that a company named Credit MGMT is trying to collect me a debt. 

Actually, I am totally debt free. I do not know this company Credit MGMT. I think that some fraud is hapenning right know.
Product: Credit card

Flight was cancelled had to book later flight that arrived after the rental office was closed. I was informed the keys would be left in the car. ( this was dollar rental and it was after XXXX am ) upon arrival there were no keys in car and they were closed. The next desk over as XXXX and they were still open and I was able to rent from them. when I got home I contacted XXXX ( who is the parent company for most of these rental cos ) and discover ( XXXX XXXX XXXX  ) I had to file a dispute at which I was told I was out of luck. Dont think this is a good business practice since I was there even with a later flight and if not for XXXX me and my family would have had to sleep in the building of the airport. I have all paperwork to back up my story
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I checked my credit report after not checking it for a while and I noticed in my inquiry section I discovered multiple unauthorized credit inquiries that I did not authorize dating back to XXXX and I suspect them to be fraudulent. I never apply for credit there for I was alarmed when I discovered this. I immediately printed out my inquires and contacted each creditor and explained that I did not apply for credit with them and if there was anything that they could do they told me to contact the credit bureaus I contacted the credit bureaus, and explained these inaccuracies reporting on my report and asked that they be removed immediately and they directed me back to the creditors I explained to the bureaus that I had previously the contacted the creditors. listed are the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXXXX/XX/XXXX. Such inquiries being reported on my credit report are inaccurate and very damaging to my credit report and will prevent me from acquiring new credit if need be. I am requesting that all listed inaccuracies be removed immediately.