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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing my two late payments reported on my credit. The finance company reject a payment XX/XX/2020 from XXXX  company that was paying it off. I am disputing my two late payments reported on my credit. The finance company reject a payment XX/XX/2020 due to covid-19 and another payment was than submitted again on XX/XX/2020. I contacted them monthly and was advised to not make a payment as they received a payment but it was not processed to follow up in a few weeks. I made two calls per month to attempt and resolve this matter. I did not want any negative reporting to my credit I was proactive and am shocked they still reported negative when I have attempted to make payments. I would like have my supported documents reviewed I see that the fiance company would process payments and reverse them I am not sure why. With my two gap policy and insurance company XXXX didnt have any balance. I did not miss any payments prior to this.
Product: Debt collection

XX/XX/year> I called and spoke with staff but they acted as if they didn't believe me cause I told them that that is not me
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, Trans Union, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX # XXXX, Account name : XXXX 's # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX 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 card or prepaid card

I contacted XXXX XXXX concerning my rewards for opening a credit card and making the initial charges. I met the terms of the offer, however, no one at the bank could confirm the rewards. The bank referred me to XXXX XXXX the bank partner and gave me the XXXX   XXXX number. The number given was of no help. I contacted XXXX  via personal messenger on XXXX. XXXX referred me back to the bank. When you research the credit card offering on XXXX it is impossible to find and XXXX is no longer offering the Visa card on their website.
Product: Credit reporting or other personal consumer reports

DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW This letter serves as my formal and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

The Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization.

Effective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties.

This freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements.

Attached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail.

Please provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file.

This request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

The Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions In accordance with these federal protections, I hereby demand the following actions : 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.

2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.

3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .

4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022 LVNV Funding contacted my place of employment where I do not have a direct line and spoke to the secretary about my debt. I do not have a direct line and am constantly driving trucks throughout the day. The secretary does not need to be bothered with information about my debts. This is unacceptable behavior.
Product: Debt collection

On XX/XX/XXXX I received a letter from AFNI Collections Stating that they I owed " XXXX '' $ XXXX.And they were collecting alleged debt. 
I contacted XXXX, in which I have been a customer of since XXXX. Paying for my service via direct withdrawal, never delinquent. 
After contacting XXXX they discovered I had " another account '' as a result of identity theft They created a report for their identity theft team to investigate. I'm waiting to be contacted from such team. However I do not want my credit to be compromised as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXXXX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020
Product: Debt collection

I understand that according to FCRA XXXX, it's required to remove any inaccurate accounts from my credit report. Could you please take a look at the documents? I've noticed that several of the listed accounts seem to be incorrect, which is concerning to me.
Product: Payday loan, title loan, or personal loan

DUE DATE ON LOAN IS WRONG. XX/XX/2020 SHOULD BE ) XX/XX/2020 COMPANY REFUSES TO MAKE CHANGES TOO STOP OVERDRAFT CHARGES NOTIFY COMPANY SEVERAL TIMES TO NO CHANGE EXPLAINED ON FIXED INCOME SOCIAL SECURITY ADMIN CANT AFFORD TO PAY LOAN OFF??
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, Missouri Laws Dear SELFXXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity theft laws in XXXX XXXX, Missouri .

It has unequivocally come to my attention that SELF/XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. XXXX XXXX identity theft and fraud statutes further underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for SELFXXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SELF/SSTATBK immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri laws . Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft and fraud statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that SELF/XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

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

I have made numerous phone calls, one as recent as yesterday ( XXXX ) where I called AND emailed them to do TWO THINGS : 1. To REMOVE my consumer statement that has been on my report since XXXX 2. To show that my student loans have been paid-off since XXXX. 
I sent a request in writing to Equifax on XXXX and called that day and requested that these situations be resolved ... .again. At the time, there was also a problem with another loan that I had paid off that they were not showing paid and after I sent them proof, that " was '' correct, but the other issues were " under investigation. '' Well, late yesterday, at XXXX XXXX, I spent a half hour on the phone with " XXXX '' ( # AIQ ) at Equifax trying to find out what was going on. She was extremely nice and after putting me on hold for a long time, she assured me that the " consumer statement '' was removed because " it was not showing up on her side '' of the system. I kept showing it when I logged in, and even when I logged out and back in, the statement was still there. She then advised me to log-in on XXXX, which I just did, AND IT IS STILL THERE! When I called last night, I explained to her that I received this confirmation in the mail from Equifax that they did it and yet it was still on my report. I read her the confirmation number and she said that something was wrong but that she has seen where this has happened before. She then put me on hold and came back and said she corrected it, but apparently not! 

As for the school loans, that is there too, despite the fact that I sent them documentation that it was paid off. My credit report should only show that I have a home equity line and that it has an EXCELLENT credit history. My credit is being hurt as a result of this and I would like it corrected. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I wrote to the XXXX credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Regarding these XXXX collections items added to my credit report illegally : XXXX. XXXX XXXX - {$170.00} XXXX XXXX XXXX XXXX {$2900.00} I requested that they provide me proof and validation that this debt is mine. They are required by law to supply information to validate that this debt exists between myself, and the agencies noted above. 
These collection items are in violation of the 15 USC 1681b, Permissible Purposes. 
They didn't validate this debt, so they are required to remove it from my credit report immediately.
Product: Debt collection

XXXX XXXX XXXX Last reported XXXX XXXX XXXX This company refused to work with me on any type of debt resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly request that you promptly remove this inquiry from my credit report. I appreciate your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

So I had a legal document sent to the credit company expireran and to the debt collector requesting info that I requested from them explaining in detail all this money they are telling me I owe I have not received anything to date but expireran says the investigated and shared nothing with me only that they were not remove it how can you ignore my request for info that is simply false my lawyer broke it down in a very detailed letter onwhati was, I was legally in titled to and I got nothing not even a response to be honest something is not right about the way expireran is handling my credit I have had many problems with them ignoring police reports requesting me to go above and beyond whats legally required to prove my case and when I do they still ask for more info only to find out they use a computer system to make judgements and issue a final determination on the my dispute in which I have expressed that I am not at all comfortable with to the point I have had to seek legal help and still am getting shutdown and Ignored in my request for info that I should be given I would like to see there investigation so that me and my lawyer can go over it and dispute accurately and I get nothing as a matter of fact they changed the date that I opened the investigation they ignored all request for infos on this debt and I for supporting there supposed investigation Im sorry but this is a serious matter and there word unfortunately is not good enuff and I am asking for a complete review on this debt and a break down and for it to be explained on where the amount I am being charged came from dollar for dollar cent for cent along with the amount they were paid on my behalf from Covid 19 rental relief that they applied for after I left like it was agreed that I would move out and end lease due to the issues that Covid 19 were causeing the whole country infact expireran dosent even see the fact that I have two diff apts propertys saying I owe them at the same time same time period I have been a victim like so many of the landlords in XXXX XXXX that not only are charging people for rent that was not owed but the fact they they were paid by government funds even after I was no longer staying there but yet I order for them to apply for those moneys they had to lie and say I was liveing there which ok they were paid but they are still trying to get more money and when they took those relief funds they weer not suppose to go after tenants for back rent which they clearly are and expireran is allowing them to abuse there authority
Product: Credit reporting or other personal consumer reports

World Finance Corporation XXXX XXXX XXXX has violated my rights to privacy as stated in 15 U.S.C 1681 section 602 A. States I have the right to privacy. Please provide the letter that I wrote giving you permission to furnish my account information as stated in 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. Code 6802 - Obligations with respect to disclosures of personal information I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and nonverbal per 15 usc 6802.

I Opt out with 15 usc 6802, 15 usc 6805 and the privacy act of 1974 and 16 cfr 313.7 I SENT THE COMPANY A CEASE AND DESIST
Product: Debt collection

I am writing to formally file a complaint regarding Transunion, one of the three major credit reporting agencies, for failing to remove inaccurate and fraudulent collection accounts from my credit report. These accounts do not belong to me, and despite my multiple attempts to resolve this matter directly with Transunion, they have refused to remove these items from my report. 

Here are the details of my complaint : Account ( s ) amounts in Dispute : {$440.00}, {$270.00}, {$520.00}, {$520.00} {$1.00}, {$720.00}, {$3000.00}, {$1000.00}, {$10000.00} Dates of Previous Disputes : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> I have disputed these collection accounts multiple times with Transunion, providing clear evidence that the accounts in question are not mine. Despite this, Transunion has failed to take appropriate action to correct the inaccuracies and remove the fraudulent accounts from my credit report. Transunion continues to state that accounts have been verified and deemed factual but has yet to provide solid proof that accounts belong to me. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is free from false information. I have made every effort to resolve this matter directly with Transunion, but they have not upheld their responsibilities as a credit reporting agency. As a result, my credit report continues to show inaccurate and damaging information, which is affecting my credit score and my financial well-being. 

I am requesting that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action to ensure Transunion corrects these errors and removes the fraudulent collection accounts from my report immediately. 

Please find attached copies of all relevant documentation, including my credit report, the dispute correspondence, and any supporting evidence I have submitted to Transunion. 

Thank you for your attention to this matter. I appreciate your assistance in helping to resolve this issue as swiftly as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not accurate. 

XXXX XXXX I was never late on this account, please update this on my report XXXX XXXX XXXX XXXX This doesn't belong to me INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX