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

On XX/XX/2018 Transunion listed a collection account from XXXX XXXX XXXX from XX/XX/2017. However, Transunion will not allow me to complete a direct dispute report online in order to begin the problem resolution process. When completing the online form, an error message arrives claiming the disputer can contact a live operator ; however, no one receives or answers the phone call. The credit reporting agency, which also works with the collection agency, presents this roadblock as a means of discouragement to prevent anyone challenging the collection agency on its unfair debt collection practices. To add insult to injury, Transunion added the collection account to its files information after the XXXX data breach of XX/XX/2017 had compromised my personal information.
Product: Debt collection

I received a letter from Online Information services regarding an account from a utility company. I disputed the account through XXXX and it initially came back validated. So I then wrote a letter ( Mid XX/XX/2023 ) to Online information services requesting the following information : 1. A detailed list of history of payments made by me on this account to include date account was opened, date of last payment, and the amount of the original debt.

2. Notification if any insurance claims have been filed on this debt.

3. Proof of chain of title for Online Information Services.

4. Also if this debt was incurred due to any anomalous condition, I need proof of ownership of failure. 

Online information services responded with the letter attached that is dated XX/XX/2023 and stated that they have no duty to report the requested information to me and again attached account activity from XX/XX/2023 to XX/XX/2023. This account has been open for 3 years or more. 

I resubmitted a dispute with XXXX after their response and the dispute result was favorable and the account was removed from the derogatory remarks section. 

Then I realized I had to dispute the other credit agencies and did so with XXXX next. 

The dispute came back validated and when I contacted XXXX they referred me to CFPB because a supervisor stated that all they got was a statement saying the amount billed was accurate and did not require proof from the debt collection agency. 

I have not been able to get proof of any validation of the amount of this debt from the utility company, the debt collection agency ( Online information services ), or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To whom this may concern, This is a follow-up request from my previous complaint regarding XXXX, XXXX, and TransUnion allowing unapproved and fraudulent inquiries remain in my credit file which they manage. Once again, I did not authorize anyone employed by these companies to make any inquiry to view my credit report ; therefore, I formally request that these fraudulent inquiries be immediately deleted from my credit file that they maintain. Their unwillingness, and opposition towards The Fair Reporting Credit Act, has, and still causing adverse effects to my credit file, all of these unauthorized inquiries are hindering my ability to obtain new credit. I request that you validate this information with these companies and provide copies of any documentation associated with these inquiries bearing my signature ; I will appreciate and updated copy of my credit report after corrections are made. 
Unauthorized Fraudulent Items to Be Deleted XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX, XXXX, and TransUnion Willful failure to comply violated 15 U.S.C. 1681n, and 1681o, their breach of my Right To Privacy violated 15 U.S.C 1681 Section 602 ( A ), the furnishing of my credit file information without written instruction violated 15 U.S.C. 1681 604 ( 2 ), and 15 U.S.C. 1681c ( a ) neglecting to put fraud alerts in place to protect my identity. Previous complaints numbers placed with the Consumer Financial Protection Bureau are as follows : XXXX, XXXX, XXXX all relating to this current complaint.
Product: Credit reporting or other personal consumer reports

I have to alleged accounts posted on my credit report DEPT OF EDUCATION These XXXX accounts have been reporting on my credit report for about 8 years now, I tried repeatedly over and over to get my results from the credit bureaus & to get them to stop reporting this false information on my account but every time I reach out to them I get no follow up answered been trying for years. The alleged account has multiple errors posting to my account XXXX. Statue of limitations account was opened in XXXX we are now in XXXX thats XXXX  years XXXX. Address not on my credit profile for the original allege debt XXXXDisputed in the pass and failed to contact me back regarding my dispute XXXXAccount is no longer report to my XXXX report XXXXAccount payment history is inaccurate and reporting wrong There are XXXX of the DEPT OF EDUCATION accounts First Account is in the amount of {$2000.00} Second account is in the amount of {$1200.00} Information to verify me with the bureaus XXXX XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX Email - XXXX SSN- XXXX
Product: Checking or savings account

Chase national Bank cashed an altered instrument check through my checking account. It was presented to them from XXXX XXXX XXXX XXXX. It appears to have been presented to them as a photo deposit. A real check to the same person was cashed hours earlier before it would been spliced with a new number at the bottom only and presented again. Basically the same check got cashed twice but credited to a fraudulent check number. My last few attempts to resolve this have ended up with XXXX XXXX  simply hanging up on us. The correct check number was XXXX. The fraudulent number was XXXX, which is an exact copy of XXXX with the XXXX number still in the upper corner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent all three bureaus a letter to have all my information updated as far as employer, name, address and no updated as been in progress and its almost 30 days since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple fraud disputes to Experian based on a trade line that is reporting as a charge off on my credit report. I contacted both the original creditor and the entity that purchased the debt second hand after default. The secondary creditor conducted a fraud review and subsequently removed the negative reporting from my credit report. I have contact the original creditor multiple times and have been told that they are no longer reporting this line item and that I should contact Experian directly. I have attempted to work with Experian multiple times, raising multiple disputes regarding this issue and they continue to report this negatively on my credit report.
Product: Credit reporting

There are XXXX incorrect addresses showing on my credit file. Please remove them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE CORRECT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company via phone on XXXX/2017 attempting to get an explanation of the security breach. After waiting a total o 1 hour and 17 minutes, the non English speaking ( XXXX ) agent refused to answer my questions regarding the breach and hung up on me. 

I called back and waited another hour and when I got someone on the line asked to speak with someone who is in the United States, I waited again for 46 minutes and finally got XXXX on the phone who gave me scripted information about a protection plan through the same company that was breached. After explaining the terms I disagreed with the arbitration agreement. He said that there was nothing I could do and ended the call.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

XXXX consumers continues to improperly report past due payment dates to my credit bureau. I have bank records that have the correct information attached. 

Also all past due balances were paid XX/XX/XXXX. On XX/XX/XXXX XXXX again reported false information stating that again, the balance was more then 30 days late. 

My due date for payment is the XXXX of each month. The XXXX is 5 days before the due date. 

After several attempts of talking with XXXX, my complaints have not been resolved since XXXX of XXXX. 

I am seeking to have the information removed from my reports. And if not done so in a timely manner according to Massachusettss Law, I will file a complaint with the Massachusetts AG office and seek punitive damages.
Product: Credit card or prepaid card

Respected Officials, I have reported to Department of Justice about people abusing my financial and other accounts by using old email ID 's. 

XXXX -- -- account has been closed by me due to suspicious activities XXXX -- - account has been closed by me due to suspicious activities However, I still see the above email ID 's as associated with my account and waiting verification from me. 

I tried deleting these email ID 's on the website, but the website denies permission to do so. 

So either Bank of America is willfully aiding fraudulent activities when I am traveling out of country or they are ignorant. 

I request Bank of America to remove erroneous email ID 's from the past and stop requesting me to call them to remove unknown email ID 's.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX AND EQUIFAX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX VA XXXX Balance Owed : {$0.00}
Product: Prepaid card

I purchased a XXXX  Vanilla gift card on XX/XX/XXXX in XXXX, Tx. The value of the gift card was {$100.00}. I gave it to a friend who lives in XXXX, Texas as a XXXX present. She tried to use it today, XX/XX/XXXX, for the first time. She removed it from its packaging today. The gift card was rejected because it has a XXXX balance. XXXX 's website showed a {$100.00} charge was made on XX/XX/XXXX in California at a XXXX. Neither I nor my friend are responsible for that charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm writing to complain because some of these inquires were removed from my credit report and then put back. There was a glitch in the Transunion 's system inXX/XX/XXXX and the inquires that were deleted got add back to my report and I want them removed. Also some of these inquires I did n't authorize at all. The inquires that were add back to my credit was. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX The inquires that I did not authorize is XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( I only authorized them to run my credit once but two inquires are showing up for the same day ) XXXX XXXX XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ok so my social is XXXX my name is XXXX XXXX XXXX XXXX i was born in XXXX fl. my mothers maiden name is XXXX. I look XXXX. and i have XXXX hair. some information on my XXXX and other credit reporting agency profiles are incorrect. and could possibly be someone else 's. So alright I mean some verification questions for employment and loans are just bizarre. I have like add. but I'm not incompetent. And I certainly know what is going on is bizarre. its hard to remember what information was not mine. The XXXX XXXX address is not mine. and whatever after 2012 isn't mine. I have a XXXX  credit card. I financed with XXXX. bought a red XXXX. had a red XXXX XXXX. had a XXXX XXXX. and whatever financing company was involved with those is what is correct. I just don't remember what they were. never applied for any loans other than for those cars. I applied for a large loan one time and got approved for XXXX dollars. my brother has or had a XXXX. a XXXX my dad has had a XXXX truck for long time. and my mom has a XXXX XXXX and a XXXX XXXX. so my email is XXXX. please help me and this precarious situation. you can contact my parents as well. my fathers name is XXXX XXXX and his phone number is XXXX my mothers number is XXXX. My phone number always changes. Thank you.
Product: Mortgage

US Bank changed our loan without telling us and we didn't know until were sitting with the title company ready to sign. They made the loan bigger with less down payment than we had previously agreed upon without any disclosure. the loan officer told us in order to get it through their under writing process it had to be a Bigger loan amount. This is very shady process and makes more money for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to experian three different times. I asked them to remove all information that was inaccurate. I have names that are wrong, addresses that are wrong, employers that are wrong. I sent them my ID and proof of address ( utlility bill ) three times. They are not updated my personal information and it's stressing me out.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and outrage regarding the presence of fraudulent accounts on my credit report, as reported by your bureau. The accounts are blatantly fraudulent and have been acknowledged as such by the associated banks, which have already taken steps to remove them from their records. Despite my repeated efforts to have these fraudulent accounts removed from my credit report, your bureau has failed to take action. This is unacceptable and has had a detrimental impact on my XXXX score and financial standing. It is important to note that the other major credit bureaus, namely XXXX and XXXX, have promptly removed these fraudulent accounts from their records after verifying its fraudulent nature. The fact that your bureau has not followed suit is deeply concerning and reflects poorly on your commitment to fair and accurate reporting. 

BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CO XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit card or prepaid card

I was behind on a payment on my best buy credit card by less than 30 days I made a payment of {$200.00} on XX/XX/XXXX then on XX/XX/XXXX I paid the balance off of {$560.00} on XX/XX/XXXX I received a email telling me that my account was closed on XX/XX/XXXX. I called Best Buy Credit Card services and spoke with an agent who informed me that I needed to contact XXXX  about my account being closed, upon contacting XXXX the agent went over my credit history and he was not even showing payments to Best Buy Credit he informed me to call Best Buy back as they do not make any decision on my account. I called Best Buy Credit back spoke with an agent she informed me that their decision was final and could not be overturned but I could apply again for credit, I told the agent that I made a payment to bring my account current then a week later I paid off the balance she again said it was nothing they could do, prior to this I had never been late with a payment with them I do not understand as to why my account was closed, so I ask to speak to someone above her she said ok but they will not be able to do anything either once an account is closed all you can do is reapply, the Supervisor comes on the phone and said a decision was made and that no one could reopen the account I could reapply again. Please help me as this is affecting my credit.
Product: Credit card

To Whom It May Concern : I am writing to appeal a negative finding by the Citibank Fraud Unit on an investigation that has been ongoing since XXXX. I am extremely frustrated and annoyed by the service I have been receiving and hope that you will see this issue with some clarity which has been lacking. 
The issue began when I received a text message from Citibank on XX/XX/year> with a fraud alert and a request that I contact the bank, which I did. The representative told me that there were several charges to a store named XXXX on XX/XX/XXXX and XXXX in different states and asked if I had made them. I confirmed that I had not. I was in XXXX, NY with my daughter at the time and had not recently left. I have never traveled to some of the states the Fraud Unit mentioned. 
The Citi fraud rep suggested that I cancel my card which I did. A new card was sent to me. I spoke with the Fraud Unit again on XX/XX/XXXX and confirmed again that I had not made those charges. All the charges were for a uniform amount {$200.00} except one which was for {$300.00}. I have never shopped at XXXX and I live in an XXXX  where the management company makes all repairs. Therefore, I do not need home equipment. When I followed up, I was told the claim was denied since I made the charges on my XXXXXXXX XXXX/ phone wallet. I checked with XXXX XXXX  myself and they confirmed that those charges had not bee made on my XXXX XXXX. 
When I reported that to the Fraud unit they said the case would be reopened. I spoke to several supervisors who confirmed that the case had all the hallmarks of fraud. 
Most recently, my claim was again denied on the grounds that I had used the physical card in all these many locations! That is impossible and my location on those days can be confirmed by my charges in XXXX where I live. 
I am not an expert on how my data can be stolen but I know that I am the victim of fraud on my card in the amount of {$2300.00}. I have also been negatively affected since I have not paid off my card as I usually do and am concerned about the negative impact on my credit ratings. Since I was the victim victim of this scam, I have had to change all the autopay for all the legitimate charges that I regularly incur.

The next thing your the Fraud unit said to me was to set up a fraud alert so I should get text messages about potential fraud. That is exactly what I already have set up and to which I responded on XX/XX/XXXX! 
In sum, I demand that Citibank honor this fraud claim and reimburse my account the {$2300.00} based upon : XXXX the banks own suspicion/finding that it was fraud when I was texted on XX/XX/XXXX and told to cancel my card >> the multiple and ERRONEOUS the bank made for how this occurred from it was XXXXXXXX XXXX to you used the card in person. 
XXXX XXXX supervisors themselves indicated that the charges had all the elements of Fraud >> The bank refused to actually check that that I was in New York going about my business and couldnt have been in all those other states where the fraudulent charges took place
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year of XXXX, I started a job at XXXX XXXX XXXX, after being there for 4 years there was a layoff in XXXX of XXXX, because of workforce reduction for about a week. After going back after a week I had a new SSN number in all credit bureaus, which was my daughter 's SSN in Experian, XXXX, and XXXX.I reported this to XXXX XXXX XXXX Corporate office in XXXX New York at the time. After years of continue to work for XXXX XXXX XXXX and trying to fix this disaster someone created for me was too hard for me to continue my employment with XXXX XXXX XXXX, so I left on XX/XX/XXXX, because of mishandling of my SSN and my daughter 's SSN was very hard for me to continue my employment with XXXXXXXX XXXX XXXX. With the three credit bureaus creating a hostile environment for me and my livelihood was total chaos. The bottom line is that XXXX, XXXX, and Experian does not want to accept the responsibility for what has occurred 19 years ago, which they all should be held accountable for this matter. Yes, my information was part of XXXX Data Breach in XXXX, so was both of my daughters ' information as well. After 19 years of fighting for my identity and my daughter 's identity, and fraudulent taxes on her and I both, plus someone went to XXXX XXXX XXXX XXXX and changed the last 4 digits of her SSN and my SSN numbers on their website under my score this is where my daughter and I both do our taxes every year. My complaint is about all credit bureaus especially XXXX  claiming they had no part in it which XXXX  did play a significant part in creating this hostile environment for me. The reason I am also filing this complaint is that all of this has come back to haunt me for their mishap in creating a new identity with my daughter 's SSN. XXXX  wants to dismiss themselves but I think they need to own up to their responsibilities for creating this hostile environment for me and my livelihood. The reason for the complaints is that I have been living in fear for 19 years which creating all of this chaos has carried me to different levels of my life to the extent that no one wanted to confront this situation at all no attorney or any other legal representation I have never used my daughter 's SSN, it is just attached somehow to my name where it is creating a lot of problems, for the past 19 years I have problems from job applications to credit and until this day it is still haunting my daughter and I.XXXX  has produced a credit report that can not be erase or that I am deceased and was born in the year of XX/XX/XXXX, which all the information is with the XXXX  Administrator in the data breach that was occurred in XXXX, where both of my daughter 's and I were affected in this matter.
Product: Credit reporting or other personal consumer reports

I make the following claim to request the elimination of the following events that were published in my credit reports without my authorization and that impactfully affects the acquisition of assets and benefits for my family and myself. 
XXXX, TransunionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX