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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and damaging to my credit score. I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. The following negative information needs to be removed from my credit report : XXXX XXXX- I have no recollection of authorizing this credit pull and demand that it be removed from my report under the FCRA. 

XXXX XXXX - To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. I request that you update this account and delete the inaccurate information immediately under the FCRA. 

XXXX XXXX XXXX - To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. I request that you update this account and delete the inaccurate information immediately under the FCRA. 

The following personal information is incorrect - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX - This address is not correct. I request that you delete it immediately from my report under the FCRA. 

The following personal information is incorrect - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX - This address is not correct. I request that you delete it immediately from my report under the FCRA. 

The following personal information is incorrect - Account Number : XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX - This address is not correct. I request that you delete it immediately from my report under the FCRA. 

The following personal information is incorrect - Account Number : XXXX XXXX - This is not my name. I request that you delete it immediately from my report under the FCRA. 

The following personal information is incorrect - Account Number : XXXX XXXX - This name belongs to someone else. I request that you delete it from my report immediately under the FCRA. 

The following personal information is incorrect - Account Number : XXXX - This is not my name. I request that you delete it immediately from my report under the FCRA. 

XXXX XXXX XXXX- I have no recollection of authorizing this credit pull and demand that it be removed from my report under the FCRA. 

XXXX, XXXX - I have no recollection of authorizing this credit pull and demand that it be removed from my report under the FCRA. 

XXXX  - I have no recollection of authorizing this credit pull and demand that it be removed from my report under the FCRA. 

I urge you to investigate these items and correct any errors in my credit report. As a consumer, I have the right to accurate information in my credit report, and I expect prompt action to resolve this matter and improve my credit score. 

Thank you for your attention to this matter. 

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

Since I found out about the account I informed them that I never authorized it. and yet they don't care about me. I let them know that I am a victim of fraud and I have alerts on my credit that for any account they should call me and I never received such a call. I have been calling all XXXX  XXXX XXXX TransUnion for a week to also let them know the problem. I am in the process of purchasing my first property and I have a contract which I am going to close this month and I can not have these types of accounts which do not belong to me and are fraud. I hope you can help me, thank you.
Product: Credit reporting or other personal consumer reports

Im trying to buy a house and notice I had damages on my credit report. Stopping me from giving my family there dream. According to the 15 usc 1681 law, there shouldnt be any damages on your report is a defamation to my character.
Product: Checking or savings account

Citi Bank promotion reward not paid out as all requirements were met. Deposit {$15000.00} for 60 days, receive promo reward 90 days thereafter. I deposited the full amount in XXXX and was due the {$400.00} on XXXX XXXX. That amount has not been paid to me.
Product: Credit reporting or other personal consumer reports

I am writing this letter as a follow-up to my initial complaint expressing my deep dissatisfaction and heightened frustration with the ongoing presence of fraudulent items on my credit report. Despite my earlier efforts to rectify this issue, the persistence of these inaccuracies is causing significant financial distress and emotional turmoil. 

My previous correspondence detailed the fraudulent items identified on my credit report, along with the supporting documentation and evidence substantiating my claims. Regrettably, my first attempt to rectify this matter has not yielded the desired result, and the fraudulent entries continue to mar my credit history. 

This situation is not only unacceptable but also indicative of a systemic failure in your dispute resolution process. The consequences of these persistent inaccuracies extend beyond mere inconvenience ; they threaten the very fabric of my financial well-being and credibility. 

I demand an immediate and comprehensive reevaluation of this matter, with a specific focus on expeditiously removing the fraudulent items from my credit report. Additionally, I insist on a detailed and unambiguous explanation for the continued failures to address and rectify these issues. 

I expect this matter to be treated with the utmost urgency, and I demand a substantive response within the exact timeframe from the date of this letter. Failure to rectify this matter promptly will leave me with no option but to escalate my complaint to regulatory authorities and pursue legal remedies to address these persistent inaccuracies on my credit report. 

Enclosed with this letter, you will find, once again, the supporting documentation for your reference. I trust that this will be the final occasion in which I am compelled to provide evidence for an issue that should have been resolved expeditiously. I am asking for your assistance to remove these fraudulent items in my credit file 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: Vehicle loan or lease

USAA reporting late payment and upon review of documents submitted previously I still maintain the following which this company has yet to address : " USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. OnXX/XX/XXXXUSAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired in XX/XX/XXXX '' SEE ATTACHED EXH A. Sure they called XXXX XXXX several times but we all know the amount of nusiance calls received, however, that does n't get USAA off the hook for failure to contact me. I checked my credit report and it lists my employer and phone number. They could have easily contacted me to resolve the missed payment. I also have the absolute right to know I signed for a loan and review for proper contact information. If this turned out to be fraud what would USAA do exactly. They fail to address my issue or return my phone calls. Look I am still in college and this has tanked my credit score. I have attempted to contact USAA and left numerous voice mails and NO ONE returns my call. Who do I complain because this company does n't return phone calls and I 've returned calls multiple times with no response. I do work and attend school and they make no attempt to return my calls. My most recent filing was closed as no further information provided. I want to know that if I allow someone to use me as co signer and the loan is done electronically and I do n't have an opportuntity to correct wrong information provided by a third party it is not my fault. How does a lending institution make a loan, advise consumer you are a co applicant and the very first document sent to advise is RETURNED. That should have been a RED FLAG to either put the funds on hold or figure out a way to contact me with any numbers/address listed on all major credit reports. I need this issue resolved and USAA is unreasonable in attempting to resolve the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score, previously high 700s to to 800s took a large dip and my free credit monitoring service, XXXX, that my credit score went to the mid and low 600s. I received an alert that my email was 'found on the dark web '. Two fraudulent charge accounts were noted as past due, one was TD Bank/Target. I do not have/use a Target credit card. ( the other was a XXXX/XXXX account ). XXXX was very good in responding but Target continues to show as delinquent on XXXX, XXXX  and XXXX. 
I would like the Target charge removed. They are aware it was fraudulent. 
I've contacted them by phone, initiated the Federal Identity Fraud report, and have sent the IdentityTheft letter disputing to TD Bank but they have still not taken it off my credit report asking them to close the unauthorized account and remove charges. 
TD Bank XXXX XXXX XXXX XXXX XXXX XXXX, SD Account numbers XXXX and XXXX are all I have on their report ( I don't have the cards ) Phone call to them in XXXX they told me they had no account information using my social security number etc. and that this means it was fraudulent but still have not taken action to rectify. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I request that my current address be updated accordingly. 

XXXX. Employer : My current employer is XXXX. I request that my new employer, be updated.
Product: Debt collection

The first phone call occurred on or about XXXX, 2021. I did not recognize the number calling and let it leave a message which was a prerecorded message from a lady named XXXX (? ). The recording was not clear. I called the company after looking it up online. The company is Ally Financial. They wanted my social security number and I refused to give it to them because I did not have business with them. They were looking for a XXXX or XXXX XXXX. My husband 's name is XXXX XXXX XXXX and we are not related to this other person. I told them the number they were calling and they said they could not find it in their records. I asked that they not call me any further and they said that I would not be called. I received a call daily over the next five days and each time I went through the same conversation. The last time on XX/XX/2021 I told the person on the phone that I would file a complaint if I got another call from them. They assured me I would not be called. Today at about XXXX XXXX  I received another phone call. I want these to stop but they wont stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, have reached out to Equifax demanding several accounts and information that did not belong to me removed from my consumer report. I never gave consent or written instruction to Equifax to furnish my information yet they assumed the role. Equifax furnished inaccurate and unfair information that violated my right to privacy as a consumer. Equifax violated both 15 USC 1681a ( XXXX ) and 15 USC 1681a ( XXXX ).
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Okay so on XX/XX/XXXX I was supposed to have a check deposit into my credit karma account and this was from my job on XX/XX/XXXX that Thursday the check was deposited to my account and immediately taken out the account was take the account was emptied I had a deposit of {$1700.00} that was taken out of my account it was taken from someone or somewhere in XXXX XXXX or some XXXX country and I already spoke to someone at credit karma on the XXXX and told them that I keep getting calls stating that fraudulent activities is trying to be you know done with my account I couldn't verify it with the call that kept coming in so I called them and credit karma said your account is fine there is no fraudulent activities being shown on your account then that night around XXXX I see my check was deposited on the XXXX on the XXXX the XXXX was the day that I went to wake up and I see my whole check was negative it was already taken out but somebody in XXXX I sat there and I called them that morning and I told them what happened they said they was going to put a dispute in I called them that Thursday that Friday and that Saturday so the XXXX the XXXX the XXXX all three days I called them and only on the XXXX that I get information about them actually doing this dispute so I gave them all the way up to this week which is now the XXXX of XXXX and they are saying that they're not going to refund my money cuz they couldn't dispute the transaction I live in XXXX  XXXX  XXXX I work online and company called XXXX I do not live in XXXX I do not feel like they really did a thorough investigation and they are now denying me my {$1700.00} back that was not authorized by me to be taken out of my account
Product: Vehicle loan or lease

When my Hyundai 3 year lease ended, I purchased the vehicle. 
I sent them a personal check for the total amount. I purchased the vehicle in XXXX Of XXXX. 
Now its XX/XX/XXXX, and I have not received my TITLE. 
I have called customer service over 41 times. I was told everything. Lost in the mail, wrong addresses, title sent to Indiana for a duplicate.etc.On XXXX  XXXX XXXX after my XXXX call I finally received a case # XXXX. 
I have all of my documentation for this purchase. I have leased vehicles for my wife and myself for 12 years. 
Its very unfortunate but, they have lost a valuable customer. 

Note : It has 6 months. 
Help!
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am submitting this formal complaint against TransUnion for improperly verifying and updating an account on my credit report without providing the necessary verification documentation. This impacts my credit profile negatively and constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Complaint Description : TransUnion verified and updated the XXXX account, partially identified with account number # XXXX, on my credit report without providing documentation to substantiate this verification. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), consumers have the right to a detailed description of the verification procedure and to receive any document proving the validity of the claimed debt. I have repeatedly requested the following from TransUnion : A complete description of the procedure used to verify this account, including the verification method employed.

The name, address, and telephone number of each person contacted regarding this account, as required under Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA.

A copy of any document bearing my signature demonstrating a contractual obligation to pay the claimed amount, as outlined in Section 609 ( a ) ( 1 ) of the FCRA.

TransUnion has not complied with these requests, restricting my right to a transparent and accurate investigation. Additionally, any verification conducted solely through the automated E-OSCAR system is inadequate and does not meet FCRA standards.

Impact on My Credit : These inaccuracies on my credit report significantly affect my credit score and hinder my ability to obtain financial opportunities. TransUnions failure to comply with the FCRA represents an obstruction of my right to a fair and accurate credit report. 
Request for Intervention : I respectfully request that the CFPB intervene in this case, requiring TransUnion to adhere strictly to the provisions of the FCRA and provide detailed and complete verification of the reported data on my credit. Furthermore, I ask that TransUnion be required to respond adequately to my requests or to remove this account from my credit file if the data can not be properly verified.

Thank you for your attention to this matter. I am available to provide any additional documentation to support my case and trust that the CFPB will take the necessary action to ensure TransUnions compliance with its legal obligations, thus protecting my rights as a consumer.

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

My phones have been monitored since XXXX  and continue to be monitored. I told all 3 credit reporting agencies to lock my credit for XXXX  years after my recovery from the SEC enforcement act was laundered and two passports were stolen. Experian and XXXX said they would put an extended XXXX  year credit freeze on my credit however Experian keeps refusing to lock my credit for XXXX  years and has been giving my employer access to my credit. I have filed federal and police reports but they refuse to lock my credit or even update my phone number on my account. I cant access my account without them updating my phone number on file. They have refused to sign me up under the data breach settlement several times even though they know they are at fault!
Product: Credit reporting or other personal consumer reports

Hi I recently was looking at my credit card. I applied for loaning me a couple accounts on there that were my score and I live in there were closed and other reasons why at the fair act and I need to eliminate Accounts thats all my report illegally According the fair act 15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681. Congressional findings and statement of purpose Current as of XX/XX/year> | Updated by FindLaw Staff ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

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 card

I've always ensured timely payments on this account, never letting them become overdue. I'm uncertain about why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are false credit card balances being reported to credit reporting agencies from XXXX  XXXX and XXXX. They are inaccurate!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the negative accounts on my credit file, which I believe to be unverified and unjust. Despite my earlier correspondence, I am dismayed to find that these negative items still persist on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a investigation request to Equifax and XXXX XXXX on XX/XX/XXXX. Well over 30 days have passed, and I still do n't have a response back from either.
Product: Debt collection

I have been trying to resolve a loan with Peoples United regarding a past due loan. I sent in payments but they will not reinstate, apply the payment, or accept a settlement. loan officers name is XXXX XXXX XXXX Peoples united XXXX XXXX XXXX XXXX ma. I had a very good interest only loan program around 4 % that they would not renew. I dont know why i had a great repayment history. Then they forced me to take a higher fixed term loan at 7.5 %.. I fell behind on the payments, and they would not work with me.