23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

Date of Birth : XX/XX/year> Last 4 SS # : XXXX XXXX XXXX XXXX : XXXX XXXX Transunion To Whom it May Concern, Account name : XXXXXXXX XXXX XXXX I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as in collections, but also shows a past due balance of {$1400.00}, and an account balance of {$1400.00}, while reflecting XXXX ( zero ) late payment. Additionally the utilization percentage is also inaccurate as 99 % of {$1500.00} is {$1400.00} and not {$1400.00} nor {$1400.00}. 
According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

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

I filed a dispute on My Account ( XXXX ) My Name Is XXXX XXXX. I have have XXXX hard inquiries and some things on my report that where not done by me. I would be more than happy for them to be removed Experian denied to follow up with the investigation. I recently notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify the consumer dispute results. This Aligns well with my situation!! Experian has not attempted to remove, nor correct any information. 
Im requesting this derogatory remark to be removed and corrected immediately as its affecting chances of getting approved for a Home, Car, Phone, Furniture Etc. Experian violates my rights as a consumer as well as the federal law
Product: Credit card

I have a Chase-Amazon credit card which I paid the balance off in XX/XX/2023. And the company acknowledges the payment in full. However, they continue to charge me interest in XXXX and XXXX with a fully paid balance. I have on multiple occasions requested credits for interest they continue to charge me, and they say NO!
Product: Prepaid card

I was gifted an American Express gift card, and I am unable to use it anywhere. Not XXXX, tried to use it to buy a XXXX gift card at a grocery store by adding it to my digital wallet at that store, didn't work either. Now I have a bunch of pending XXXX cent transactions on the card from it trying to be verified. 

All I read online is how these don't work anywhere, trying to see if I could just get a check for the amount. Thank you
Product: Credit reporting or other personal consumer reports

TransUnion XXXX to dishonor its consumers, violating the laws which are to protect each consumer. I am a victim of fraud, improper use of credit reporting. after multiple disputes " TransUnion '' continue to report transactions on my report which is illegal and subject " transUnion '' to pay the consumer fines from {$1000.00} or more for each transaction reported. It has also been reported that the CFPB AND FTC took action against " transUnion '' for violation of the FCRA, after such action " TransUnion '' continue to report on my credit inaccurate information which took my score from the XXXX to XXXX. such action has made companies judge me in ways I never imagined. its emotional and mentally breaking. 

WASHINGTON, XXXX Today, the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) took action against a rental screening subsidiary of the TransUnion conglomerate for violations of the Fair Credit Reporting Act. The TransUnion company failed to take steps to ensure the rental background checks that landlords use to decide who gets housing were accurate. The company also withheld, from renters, the names of third parties that were providing the inaccurate information. The CFPB and FTC requested a federal court to order the TransUnion company to pay {$15.00} XXXX for its lawbreaking behavior and to make significant XXXX to how it reports evictions.
Product: Student loan

My Student Loan Lender " Navient '' has been not helpful with my several requests to lower my payments or settle on my debt. I have been going through financial hardships after my mother passed away, dealing with house payments, mortgage, helping the family etc and I really am unable to pay more than {$200.00} a month for my student loans. Navient has been unwilling to work with me to resolve this issue. My rate is very high as well and I am accumulating %. Please help
Product: Credit card or prepaid card

I applied for a Best Buy credit card by following an offer on Best Buy 's website. It promised 5 % back on Best Buy purchases, as well as 10 % back on your fist day 's purchase upon receiving your credit line. Also there is no annual fee. 

offer is here https : //www.bestbuy.com/site/misc/financing-rewards/pcmcat102500050032.c? id=pcmcat102500050032 I have a XXXX credit rating, and want to buy some appliances from Best Buy, so this sounded great. I have an open line of credit, home equity at my local bank, have paid off my mortgage after many years of on-time payments, and have a credit card I have had and use often for many years. 

I filled out the application the Best Buy site brought me to, citibank, and waited for my approval. 

Then I got a webpage that said my application could not be approved automatically and I needed to call a number. 

I called and wound up on the phone with a high pressure sales person who said I did not qualify for the credit card I applied for, but they would offer me a different one, which has a {$59.00} annual fee, and a maximum of {$1000.00} limit. This is less than the first appliance I plan to buy on top of everything else wrong with that. 

I asked why I did not qualify, he indicated it was because I had " no revolving credit usage ''. I explained that was false, I have and use my credit card, currently have a sizeable current balance, and have used it for far more than that in the last 12 months and for years. 

I finally dragged out of him that their reason was I had never kept balances and been soaked for 18-26 % interest. That is why they would not approve me. The fact that I was not drowning in debt, and I don't waste money on usurious interest fees is why they won't give me the credit line. I charge things for the cash back and extra buyer protection it gives. I only charge things when I can pay the balance off that month as I will shortly do with my current balance. 

I feel this was an unfair and predatory lending practice which I fear will now irreparably harm my credit as I was denied credit! Denied credit for being as responsible with credit as can be. Denied the credit line that Best Buy advertises on their website, which appears to be a trap for people who carry credit card debt, and an encouragement for them to go further in debt. 

They will happily give you 5 % back on your Best Buy purchases if you will pay them 18-26 % interest on the remaining 95 % of what you spend there.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my ongoing concern and frustration with the numerous attempts to remove unknown inquiry from my credit report, maintained by Credit Bureau. Despite my persistent efforts to address this issue, these unauthorized entries persist, causing unwarranted distress and affecting my creditworthiness. 

The unknown inquiry in question, they have been inaccurately reported on my credit report. I have attached copies of supporting documents, such as identity theft reports, dispute correspondence, and any other relevant documentation, to substantiate my claims and demonstrate the unauthorized nature of this entries. 

I have undertaken several steps to rectify this issue : I have submitted disputes through your bureau, providing comprehensive explanations and supporting documentation to contest the unauthorized reporting of these inquiry. 

I have communicated with the relevant creditors to verify the legitimacy of this inquiry and seek their cooperation in rectifying this matter. Unfortunately, these efforts have not resulted in the removal of this unauthorized entries. 

I have followed the appropriate channels to dispute this inaccuracies numerous times, yet the unknown inquiries persist on my credit report. 

The continued presence of this unauthorized entries has severe implications for my credit score and financial opportunities. It is imperative that this matter is resolved promptly to ensure the accuracy and fairness of my credit report. 

I kindly request the following actions to address this issue : Conduct a thorough and comprehensive investigation into the reported unknown inquiry, verifying their legitimacy and the circumstances surrounding their appearance on my credit report. 

Collaborate with the relevant creditors to promptly remove this unauthorized entries from my credit report, restoring its accuracy and integrity. 

Provide me with written confirmation of the removal of this unknown inquiry withinthe exact timeframe from the date of this letter. 

Implement enhanced security measures to prevent the recurrence of unauthorized entries on my credit report, ensuring the protection of my credit information. 

Advise me on any additional steps or information required from my end to expedite this process. 

I understand the critical importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. 
I request a response to this letter within the exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. 

I appreciate your immediate attention to this serious matter and your commitment to resolving it to my satisfaction. I am asking for your assistance to remove this unknown inquiry in my credit file : XXXX XX/XX/2022.
Product: Credit reporting

I have filed several disputes for XXXX XXXX XXXX. I have filled out an Identify Theft Affidavit package and filed a police report as well. XXXX XXXX XXXX continues to " verify '' the debt since it matches my name and SSN. I have had the address associated with this account removed from my credit report since it is fraud. XXXX verifies the account because it was associated with my information. I need the information deleted from my credit report. 
Also, XXXX has not responded to any of my correspondences and I have disputed this account with the credit reporting agencies as well. XXXX has been in violation of the following sections of the Fair Credit Reporting Act. 

supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). 
notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute, or correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute notify every CRA involved that you dispute the debt provide you with a reasonable procedure ( including an address ) to submit a written dispute or report of identity theft, or inform you of the results of its investigation within 5 business days after it completes the investigation. 
Please assist me in getting this removed. I have attached my letters to XXXX and the Credit Reporting Agencies, My fraud packet, and police report. I have also attached the address which was deleted from my credit report due to fraud where XXXX is verifying the address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX and Experian with no response to corrected addresses that do not belong to me on my credit report. 

XXXX  is reporting the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA Experian is reporting the following inaccurate addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I keep getting phone calls from a company called XXXX I believe saying that I owe XXXX dollars for an apartment that I already paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX account XXXX has violated my rights. 1 5 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

CREDIT INQUIRY AND CREDIT NOT PROVIDED. 
REMOVAL OF CREDIT INQUIRY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union credit reports has new personnel across the ocean that lies, doesn't do what there company objective is and doesn't do proper investigation even if it is right in front of their hardly speaking XXXX selves. 
1. XXXX XXXX on XXXX put Hard Inquirey on my credit report even though there was a credit freeze.

2. I called Transunion up and hardly could understand American credit reporting agencies personnel that valiantly lied then hung up phone. I called back and told them it would be impossible to out inquire in file because it has been frozen year 's. Then they demanded police report but police laughed when I called them and told them XXXX from XXXX hung phone up and demanded police report for hard inquiry that should have been impossible to out on. Finally I demanded fcra investigation section 609 and 611. Of course they didn't know what fcra was? Transunuion should be embarrassed to have XXXX representing them. They are XXXX XXXX. I want this hard inquiry off or the step by step investigation that is federal and state law.
Product: Checking or savings account

I sent a rent check to my landlord on  XXXX   XXXX ,  2016  and in  XXXX  the landlord told me they never received the check ( #  XXXX  amount {$1300.00} ) so I immediately went t o HSBC (   XXXX   XXXX ,  XXXX , NY  XXXX  ) and got a copy of the check, the check was fraudulently endorsed and cashed. I then filled out an Affidavit to start the investigation to be reimbursed. I went back to  HSBC after  a couple weeks and was told the check ( #  XXXX   ) h ad been cashed at a   XXXX   XXXX    XXXX  and they were waiting to get the funds from them. I have called and returned to the bank several times and I am still waiting on this investigation. I have not been reimbursed!!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below are not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute.
Product: Debt collection

I recently pulled my credit report and discovered that this company has placed this item on my credit report without notifying me of the debt which I am afforded under article XXXX of the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

My main complaint is I had XXXX XXXX and I was XXXX XXXX in the worst way. These finance companies get huge money from the Government and don't share the relief or pass on what they know they are supposed to do. XXXX XXXX XXXX gave me a payday loan in which their interest rate changed more than once. At the same time, they shopped my credit to other brokers which they ran up roughly over 60 inquiries, that started the XXXX of my credit. They used Caine & Weiner to place this on my credit, knowing that the government passed a mandate that All Finance Companies are supposed to abide by the law of relief. I am feeling the effect of these damages and I can't even refinance my house cause the Delta Covid 19 is here and I am trying to handle this before this gets even worst. These companies understand their wrong doing. This mandated law has a debt forgiveness. This company is not exempt from this law which needs to be applied to this debt. Thank you
Product: Debt collection

An account was opened with Genesis financial solutions XX/XX/23 that I didn't approve there is a XXXX
Product: Mortgage

Nationstar previously sent me a " Loan History '' document but the left side of the document is cut off and does not show the full dates. It also only shows the transactions for XXXX and I need to see them all from XXXX to XXXX in this same system/report. 
This is because it seems to show different payment amounts than other reports I have been provided previously that were taken from a different system screen and I must compare the two. 
I have attached the exact top of the screen so the system screen can be found. 
Part of the screen number at the top left was cut off, the screen number left showing is " XXXX ''. The report starts on page XXXX. 

I have sent a QWR and tried to contact someone who can send me the full report but have not been able to.
Product: Credit reporting, credit repair services, or other personal consumer reports

A recent entry in on my report is fraudelent and must be removed. My social was used to obtain gas services in XXXX XXXX. A place I've never lived in my entire life.
Product: Prepaid card

I applied for their XXXX XXXX XXXX XXXX card, and I got it in the mail. Then, when I attempted to get it activated, they said I needed to " identify myself '' by submitting 3 pieces of information. I did that 4 times, and got an email confirmation each time. I kept calling only to hear the same answered that it will take up to 6 business hours. 

I initially submitted my personal information XXXX/XXXX. 

I've basically been given the runaround with the same STORY... 

Here 's the worse part. This is a NetSpend branded prepaid debit card issued under XXXX, right? 

I currently use a regular NetSpend debit card every single month. 

I've had at least 2 or 3 different NetSpend debit cards over the last 15 years, under my same Name, with most of them coming to my same address. 

If they don't want me to get this card, shouldn't they at least say so... 

Several years ago I had their XXXX XXXX branded debit card and I accumulated over {$700.00} on it. Then, I sort of forgot about it for a few years, but when I attempted to log back in, they had closed my account, and kept the money. 

That's the main reason I wanted to get a different debit card under a supposedly more reputable brand.
Product: Debt collection

Original creditor : NORTHSIDE EMERGENCY ASSOCIATE Creditor Information RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Amount : {$1400.00} The charge amount from this hospital was not made by me or for services provided to me. I believe this charge is fraud.
Product: Debt collection

Hello I have been going back and forth with this company since XXXX I filled a complaint with cfpb in XX/XX/XXXX but never heard back till last week they sent an email that they have sold this debt to a company called XXXX XXXX XXXX XXXX XXXX I tried to contact this XXXX XXXX to tell them not to attempt to report anything on my credit for 2 reasons one is that i have disputed this with affirm from day one and that this has been going on since XXXX which is 8 years they said they still don't have this account i