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

Subject : Request to Restore Removed Accounts To : TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX PA XXXX Dear TransUnion LLC Consumer Dispute Center, I am writing to formally request the restoration of several accounts that appear to have been mistakenly removed from my credit report. Upon reviewing my credit file, I noticed that the following accounts, which were previously reported accurately, are no longer listed : Details of the Removed Accounts : Account Name : XXXX  Account Number : XXXX Original Reporting Date : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Original Reporting Date : XX/XX/XXXX Account Name : XXXX Account XXXX : XXXX Original Reporting Date : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Original Reporting Date : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Original Reporting Date : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Original Reporting Date : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Original Reporting Date : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Original Reporting Date : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Original Reporting Date : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Original Reporting Date : XX/XX/XXXX Account Name : XXXX  XXXX  Account Number : XXXX Original Reporting Date : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Original Reporting Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XX/XX/XXXX Original Reporting Date : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Original Reporting Date : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Original Reporting Date : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Original Reporting Date : XX/XX/XXXX Explanation of the Issue : These accounts were previously a part of my credit history and should not have been removed. I believe their removal was an error, as I have neither requested their deletion nor been notified of any changes by the respective creditors. These accounts are crucial for maintaining the accuracy and completeness of my credit profile. 

Supporting Documentation : To assist in your investigation, I have included : Copies of previous credit reports showing the accounts in question. 
Statements or correspondence from the creditors verifying the accounts. 
Other relevant documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute for incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT TO THESE CREDITORS MULTIPLE TIMES TO RESOLVE THE REPORTING ISSUES. THEY HAVE FAILED TO REMOVE ALL THE NEGATIVE INFORMATION FROM ALL OF MY REPORTS. WHICH I THOUGHT WAS A FCRA VIOLATION.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan account opened with XXXX XXXX XXXX on XXXX, XXXX XXXX as well as fraudulent collection account opened with XXXX XXXX XXXX on XXXX, XXXX XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable review and investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues, such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Please accept my official written notification that I suspect inappropriate Credit Inquires reporting and I'm seeking clarity to if or not the alleged information injurious to me was done so in accordance with laws. I demand elimination of claims not certifiably compliant in reporting accuracy and completion mandates and or not yet physically demonstrated of confirmed documented proof of verification and validation absent incertitudeness. 

I have attached my submitted Identity Theft Report that was filed on XX/XX/2023 for your review.
Product: Money transfer, virtual currency, or money service

I have reported this to the XXXX  and they suggested I follow up with the CFPB.. I don't know what else to call this other than this company is a complete fraud and should be treated as such for how they treat their customers. I have been working with a Crypto Currency company called Coinbase. I have many questions and concerns and there is no support team whatsoever. Any time I have filed for support their email is no longer operational or I receive automated responses that someone will reach out to me, no one ever does, but I get a " How did we do? '' email from them. I have a lot of money invested in cryptocurrency and for a company to be completely and utterly absent is not only completely wrong but no way to do business. There is 0 explanation, 0 feedback, 0 support... how am I supposed to conduct business and now even remove my business when there's no information or support on how to do so. My hands are tied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance XXXX {$1900.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX : {$960.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00}
Product: Debt collection

Me and my family members continue to receive phone calls from GMAC saying that they are going to move " move foward with my case as a refusal and paper work will be filed '' and to call the case manager at XXXX. This continues to happen after several complaints have been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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. I have never give any written instructions or consent to have my information published publicly.
Product: Credit reporting or other personal consumer reports

I had identity theft and I reported it to the police on XX/XX/2023, I sent this information to the credit bureaus together with my identification and they tell me that they did not receive this information, only the letter, which is not correct. 

I demand that my consumer rights be enforced and that my case be investigated since I do not want to wait any longer. 

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

I have made serval attempts to remind you of your duty pursuant 15USC 1681. It appears your intentionally and willfully being neglectful in remedying my affair. 15 USC1681E ( B ) assures that I am due, promised accuracy in my report based on federal law. I am making this another attempt to have these errors corrected on my consumer report. 


Its been 6 months and still haven't received a response from the consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to submit a complaint regarding Experian. It has been well over 30 days and Experian never investigated and did not send me results of the accounts and inaccurate information I disputed on my Experian credit report. I mailed a written dispute to Experian on or about  XXXX / XXXX /  XXXX  . I disputed several inaccurate, erroneous and unknown accounts reporting on my Experian credit report/file and requested an investigation by Experian. The following information and accounts were disputed and investigation requested ;  XXXX  #  XXXX , Louisiana  XXXX   XXXX  #  XXXX , Standard Mortgage #  XXXX ,   XXXX   XXXX   #  XXXX , Louisiana  XXXX  #  XXXX  and  XXXX   XXXX  #  XXXX . Experian did respond in thirty days too all of the accounts I disputed It is well settled, per the Fair Debt Collection Practices Act that credit reporting agencies/bureaus have  thirty  to review and respond to consumer disputes, if this provision is not met in a timely manner, the credit reporting agency must delete the accounts and/information that was disputed by the consumer. Experian has continued to report the aforementioned disputed accounts and/or information without responding to my disputes and request for investigation regarding the inaccurate and erroneous accounts and/or information. I have made Experian aware that some of the accounts their company is reporting on my credit report have inaccurate and erroneous amounts owed and/or financed, open and close dates are incorrect, dates of delinquency are incorrect, a number of accounts are obsolete and time-barred and some of the accounts I am no longer liable for.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. I have no knowledge of this and all is being investigated. I never gave any written consent to report anything on my consumer reports. The following inquiries are unknown to me. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. XXXX XXXX  Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX. Please remove these inquiries.
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. 

XXXX XXXX Opened XX/XX/XXXX Account # XXXX Credit Limit {$1500.00} XXXX XXXX Opened XX/XX/XXXX Account # XXXX Credit Limit {$700.00} XXXX XXXX Opened XX/XX/XXXX Account # XXXX Credit Limit {$300.00} XXXX XXXX Bank Opened XX/XX/XXXX Account XXXX XXXX Credit Limit {$500.00} XXXX XXXX  Opened XX/XX/XXXX Account # XXXX Original Balance {$520.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Account # XXXX Original Bal : {$3000.00} Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX By Opened XXXX, XXXX XXXX Original Balance : {$350.00} 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 or other personal consumer reports

Inaccurate late payments are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate that the late payment marks be off this account as soon as possible.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries in my credit report. I received a copy of my credit report from your bureaus on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern, In addition to the inaccuracies previously outlined, I am also disputing the erroneous reporting of the DISCOVERBANK account on my credit report, which further violates the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. Please review the following violations and update the records as required. This letter serves as an official demand for correction ; failure to act on these requests will result in escalated actions, including potential legal proceedings. 
XXXX  Account ( Account Number : XXXX ) Duplicated High Credit and Credit Limit Values XXXX XXXX XXXX both " High Credit '' and " Credit Limit '' as {$3500.00}. This duplication is misleading and fails to comply with XXXX XXXX guidelines, which mandate accurate and distinct values in each field. Please correct or substantiate this data. 
Inconsistent Terms ( Months ) : XXXX incorrectly reports " XXXX '' months for the account term. For revolving credit accounts, " Terms '' should either be left blank or reflect the revolving nature. 
Please correct this field in accordance with XXXX XXXX standards. 
Conflicting Last Payment Dates : XXXX reports the " Date of Last Payment '' as XX/XX/year>, while XXXX and TransUnion XXXX XX/XX/year>. I request immediate verification and standardization of this date to meet compliance guidelines. 
Discrepancy in Last Reported Date : Different reporting dates appear for the same account XXXX ( XX/XX/year> ), XXXX ( XX/XX/year> ), and TransUnion ( XX/XX/year> ). This lack of synchronization indicates negligence in maintaining accurate data. 
Inconsistent Comments Section : Each bureaus comments vary, showing : o Experian : " Account Was In Dispute - Now Resolved - Reported By Subscriber. '' o XXXX : " Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o TransUnion : " Dispute Resolved ; Reported By Grantor. '' These discrepancies suggest that the bureaus are not uniformly updating records, violating the FCRAs requirement for accurate, complete, and verifiable data across all platforms.
Product: Credit reporting or other personal consumer reports

My name address even my credit score not accurate should be at a XXXX everything dont seem like mine on my Experian and Equifax account
Product: Bank account or service

I opened a savings account XX/XX/XXXX for {$25.00}. They said if I had {$100.00} in the account in 3 months I would not be charged the {$4.00} fee. I had {$100.00} in on XXXX XXXX, and on XXXX XXXX they charged the fee. If they do this on me, how many others are being cheated each month. I would like the looked into.
Product: Debt collection

South Mississippi Collection Agency has already been asked once before not to call my work. Today XX/XX/22 XXXX called again after being asked not to. She was also asked to contact me after school which she clearly isnt doing. No voicemail is ever left for me to know who is calling. This collection agency has poor methods and is very rude. The time I did tell her not to call she hung up on me. Something needs to be done about their ridiculous use of business.
Product: Credit reporting or other personal consumer reports

sent letters to the credit reporting agencies concerning the company violations of the right to report, Non public personal Information. So the credit reporting agencies verified the information with the company and they said they verified with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the Equifax breach. I am writing so that there is a formal complaint on record that their handling of consumers ' private information is unacceptably lax. There should be much more oversight of credit reporting bureaus ' attempts to safeguard consumers ' information.
Product: Money transfer, virtual currency, or money service

Someone hacked into my XXXX account on XX/XX/XXXX and made an unauthorized transaction. My PayPal account was still connected from my last purchase over a year ago. I immediately contacted PayPal on XX/XX/XXXX and opened a case and within an hour, they closed it saying that the purchase was authorized. I called back and another agent said that he would open an item not received case and to wait 10 business days for an outcome. On XX/XX/XXXX, I logged into my PayPal account and didnt see any active cases, so I called and was informed that that agent on XX/XX/XXXX did not open the case and they opened the case on my call on XX/XX/XXXX. On XX/XX/XXXX, I was informed via email by PayPal that my case was denied! I already contacted my bank after PayPal denied my first case and they assured me that they would step in if PayPal fails to resolve the issue. I contacted my bank and they are now going to resolve this issue. This is so upsetting and has caused me so much unnecessary emotional distress over a fraud transaction. Ive been a PayPal meme XXXX since XXXX and I dont believe they have good intentions for their members and their money.
Product: Mortgage

I have attempted to clarify my mortgage payments with Carrington for a few months now, and I requested assistance from CFPB XX/XX/XXXX, Carrington answered my complaint XX/XX/XXXX. Unfortunately Carrington 's response, while dilligent, was not adequate. In Carrington ; s response their dates of receipt show my transferred.

I understand that perhaps Carrington hadn't set my account up in XXXX and perhaps that's why the payment received XX/XX/XXXX was not applied until XX/XX/XXXX, but that delay made the account seem 90 days late when in fact is was 30 days late. By Carrington 's records they would have shown it 60 days late because of a missed payment to XXXX. I have already attempted to address this missed payment several times with XXXX and recently filed another complaint with CFPB requesting XXXX amend their reporting and sent the amended reporting to Carrington. 
In ay of XXXX, Carrington began returning my payments. I have saved these payments in an attempt to become current with Carrington and have these payments ready to forward to Carrington. The challenge is that the numbers that Carrington is representing that I owe them is more than conusing. On XX/XX/XXXX, I spoke to representatives at Carrington and I was given three different amounts to bring my account current. The last statement that I received from Carrington shows a amount due of XXXX, but o the back Carrington details the missing payments which add up to XXXX. If I add the XXXX payment due the total is XXXX or almost 2000 difference. 
On XX/XX/XXXX, I was informed that Carrington sent my loan to foreclosure adding attorney 's fee 's and inspection fee 's which as per their statement total XXXX, still less that the amount on their statement. 
My goal is to bring my loan current and I am requesting assistance to do just that.