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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Transunion Fraud Alert ( XXXX ) XXXX TransUnion Fraud Victim Assistance Department, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX Account # XXXX Dear Sir or Madam & CFPB I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$11000.00}, and posted on XX/XX/XXXX. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter and send me a written explanation of your findings and actions. 

Sincerely, XXXX XXXX Lastly. 

Within four business days after receiving your request, the credit reporting company must block that information from your credit report. 

Is this not the law? So why do you keep returning this account validated by the same company accused of fraud? 

I ask the CFPB to use their enforcement authority to resolve this issue and do a thorough investigation into this matter. 

A central part our mission is to stand up for consumers and make sure they are treated fairly in the financial marketplace. One way we do this is by enforcing federal consumer financial laws and holding financial service providers accountable for their actions. 

Enclosures : passport, state issued ID, utility bill with current address and more proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, Equifax and XXXX attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2024 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance Owed : {$3900.00} XXXX XXXX  XXXX Balance Owed : {$3200.00} XXXX XXXX  XXXX Balance Owed : {$3900.00}
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Complaint against TransUnion for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ). 
I had previously contacted TransUnion on XXXX regarding a bankruptcy that is showing only on my TransUnion report. As per the FCRA, I requested a method of verification for their investigation of this matter. However, despite my repeated requests, TransUnion has failed to provide the method of verification. 
Furthermore, TransUnion stated that they contacted the creditor, who is reporting on my credit report. However, I received a letter from the creditor stating that they do not verify credit reporting information. This discrepancy is concerning and suggests a lack of due diligence on the part of TransUnion. 
This lack of transparency and failure to provide the requested information is, to my understanding, a violation of the FCRA. The FCRA clearly states that consumers have the right to know the information in their file and the right to dispute incomplete or inaccurate information. 
I kindly request the Consumer Financial Protection Bureau to look into this matter and take appropriate action. I am hopeful that your intervention will ensure that TransUnion complies with the FCRA and corrects their reporting practices. I am requesting this incorrect reporting be deleted from my TransUnion credit report. 
Please find attached copies of my correspondence with TransUnion and the creditor for your reference. 
Thank you for your attention to this matter.
Product: Credit card or prepaid card

I have a complaint with the company XXXX XXXX out of XXXX XXXX XXXX and Comenity natl bank. 

I received an email from a lady named XXXX from XXXX XXXX that stated that she could not give me credit for a bracelet I returned unless I made my account current with Comenity Bank. 
She stated that the bank stated to her that no payments had been received to date. 

I do not understand how she got this information from Comenity Bank. 
I called Comenity Bank and they said they did not release this information. 
This is a violation of my privacy. 
Thank you for your help XXXX XXXX
Product: Checking or savings account

For the Month of XXXX, 2022, I was late making a payment on a new Regions Bank credit card that didn't show on my Region 's account online. The credit card was in my name and ended in " XXXX ''. After contacting Regions, they stated that even though my name was on the card, because this account was " Joint '', only my mother could access the account for making payments. They went on to say that there was nothing more they could do regarding the credit mark. The amount owed was around {$1000.00}, and was paid off the following month.
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/year> and noticed some things were not accurate. I sent a letter to TRANSUNION on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results on XX/XX/year> ( electronically ) and noticed they did not fix anything. This resulted in TRANSUNION breaking Federal Law. 

According to 15 USC 1681e ( b ) it states that ( b ) Accuracy of report- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates. 

So I then asked them to provide me a description of the investigation ( Tracking # XXXX ) according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure - A reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by no later than 15 days after receiving a request from the consumer for that description. TRANSUNION failed to complete this action. Due to this, TRANSUNION is breaking the described laws. 

TRANSUNION has violated the following : According to 15USC 1681i ( 5 ) - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; According to 15 USC 1681s-2- ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - {$350.00} deposit sent via XXXX ( TD Bank to XXXX XXXX to XXXX ) to XXXX XXXX in exchange for XXXX puppy to be sent from Texas to New York. 
XX/XX/XXXX - {$500.00} balance sent via XXXX ( TD Bank to XXXX XXXX to XXXX ) to XXXX XXXX XX/XX/XXXX - Received email from XXXX asking to send {$1000.00} cash in order to send the puppy in the correct size crate because the breeder 's was too large. This would be a return rental feeI that would be returned upon the receipt of the puppy and the return of the crate. I did not feel comfortable as not only was this not in my contract, but a legitimate breeder should know what size crate they need and on top of that the email was completely grammatically incorrect and used the same verbiage as the breeder. Suspecting a scam, I advised the breeder to take care of it as it is his business and this was not in my contract. He said he did not have the money which was another red flag, as an adult and a business owner you should have {$1000.00} cash or furthermore, why does it need to specifically be in cash? I immediately asked for my money back. The breeder pleaded with me not to cancel and I started getting calls from XXXX who were clearly no such company as they barely spoke english and had no business etiquette. They did not even understand when I asked to speak to a manager. I even called the XXXX XXXX XXXX XXXX International Airport asking if there really was a dog sitting in a crate and there was not. I found the real XXXX in XXXX and forwarded them the email asking if it had any affiliation which it did not and they agreed it sounded like a pet scam. After much back and forth, XXXX was shut down and I knew I had been scammed. 
XX/XX/XXXX I went to TD Bank asking to fill out a fraud complaint. They denied me and said there was nothing they could do. I knew that did not make sense as if the money had just disappeared or if it was a credit card they would have to do something. 
XX/XX/XXXX Reported an Internet Crime Complaint & also reported it to the XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Filled out a police report with above information XX/XX/XXXX I went to a different TD Bank branch and they were very upset that the other branch did absolutely nothing to assist me. They helped me properly fill out a claim and advised it could take months and to check in after XXXX if I didn't hear from them first with further questioning. The report did not let you include much info, so they advised that when I received a call I could add information such as the police report that is vital to this whole claim. 
XX/XX/XXXX I called TD to check on my claim and add all the important information such as the police report, Internet Crime Complaint, and XXXX XXXX XXXX XXXX XXXX XXXX complaint. They said the case was already denied and closed on the XXXX. They claim a letter was sent but I have received XXXX communication from them. They advised I was misinformed in the branch that this could take months and I would be contacted, they said they've never heard of that and all cases are resolved within 7-10 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and ACT Account is showing on my report in which I have no knowledge of this account. Under the Fair Credit Report Act please remove the fraudulent information which is hindering me from purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I pulled my credit report and I noticed a bunch of inquiries that are unauthorized and Im very unaware of Ive had no idea whatsoever Ive also filed a identity theft report. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is an account that i paid in full, was settle in full as the letter saidI formally request that the following inaccurate items be immediately XXXX must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX, I will expect you to complete the verification within XXXX ( XXXX ) days.I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically XXXX XXXX sections XXXX ( d ) and XXXX requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Debt collection

I have received multiple calls for a group representing Check and Go Online payday loan service. The Group called today from the number  XXXX  and I called back and spoke to a  XXXX , he was really nasty and condensending. I advise him I do not and have not ever used a payday loan service and never used online service to get a payday loan. I told im I am not the person they are looking for, and how to we resolve them constantly calling me. He had told me the las t 4 o f the ssn   XXXX   and that a debt for {$400.00} was made and attached to my number. This is the  4 tim e I 've spoken to this individual.   They have called me and threaten to come to my job, threaten a processor would come to my house, Threaten with legal action and I need to have an attorney make a statement for this debt. I told him that 's not my number, He then placed me on hold and came back with part of my SSN and parts of my DOB and said he would REMOVE my name from that Debt.   This DEBT is NOT mines Check and Go and its representative are operating outside the consumer protection limits. They are making threats and calling and harrassing with unverified information and are abusing consumers.
Product: Credit reporting or other personal consumer reports

Complaint Against Experian for Unjustified Credit Score Drop To Whom It May Concern, I am writing to file a formal complaint against Experian Credit Bureau regarding an unexplained and unjustified drop in my credit score. Despite my responsible financial behavior, including reducing my credit utilization and paying down my credit card balances, my credit score dropped by XXXX XXXX  for no clear reason. 

I have worked diligently to improve my credit and maintain a strong credit report, as it is critically important for my financial stability and future plans. This sudden drop in my score is alarming and seems unwarranted given my recent credit activity. 

I have reviewed my credit report thoroughly, and there are no significant changes, such as late payments, new accounts, or derogatory marks, that would explain such a decline. The lack of transparency from Experian about the factors contributing to this drop is concerning and unacceptable. 

I am requesting a full investigation into this matter and would like Experian to provide a detailed explanation of the factors that led to this change. I also ask that corrective action be taken if this drop is found to be in error.

As a consumer, I rely on accurate and transparent credit reporting to maintain my financial well-being. Experians failure to provide clarity and justification undermines trust in the credit reporting system and could potentially harm my financial opportunities. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Debt collection

I do not have a contract with the companyCredit Control sent me a dunning letter XX/XX/23 i responded with a dispute to challenge debt XXXX XXXX never sent a dunning letter to put anything on my credit file also XXXX XXXX the debt collector Credit Control LLC XXXX XXXX Credit Control Collections LLC are all companies of XXXX XXXXXXXX XXXX  does not have my express written consent or any permission to have my information, it is Identity theft the company Credit Control does not have. my permission to contact me NY State Law clearly states in XXXX Right to Privacy, 18 USC 1028a states Knowing use without Lawful authority of Information of another person is a violation, copyright violation see attached, FDCPA state Federal Law 15 USC 1692c ( c ) states communication no consent was given to collect at all it is a violation of my right to privacy unauthorized use of my credit report card 15 USC 1602 ( p ) I did not I do not consent to this debt collection company having or using my Information without a permissible purpose 15 USC 1681b to collect on a debt see Wadlington V Credit Acceptance Corp or substantiation of the alleged Debt see 23 NYCRR part 11.4 Department of Financial Services V Foster & Garbus
Product: Credit reporting, credit repair services, or other personal consumer reports

Still having an account listed by name of XXXX XXXX/XXXX XXXX  showing on my report ... ... is not mine ... ..XXXX XXXX  acknowledged they have no contract with me, they acknowledge thy can not verify who opened account, which is why they also placed in their " internal Fraud file '' ... .yet XXXX, along with other credit reporting agencies continue to permit this to show on my file.XXXX has no document that verifies this account is mine either. So, if XXXX has no documents, XXXX has no documents, XXXX has no documents, Equifax has no documents ... ... .on an account that I do n't have/nor ever had ... how is it I am the one left with the XXXX stick, and having to deal with BAD INFO??? This system of " credit reporting '' is a very archaic, broken system ... ..of inaccuracies and unverified sources. I am beginning to better understand the system ... .if it 's wrong ... ..list it ... ..if it 's unverified ... ..list it ... ... if it is not theirs ... ... list it ... ... great system of bondage ... ..who needs ropes and chains ... .. an inaccurate credit report ... which is REALLY A DEBTOR REPORT, replaces ropes and chains mighty nicely.
Product: Debt collection

I've reached out and settled the debt in full with the collection company who provided a receipt of payment and a deletion letter that the account will be removed from all reporting credit agencies, including XXXX XXXX, and XXXX 
I have attached the deletion letter from the collection company below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX XXXX and sending a complaint without any third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The letter I sent to Equifax was dated at XX/XX/XXXX up until now I still haven't receive any changes regarding the issue. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXI Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Student loan

Navient has continually refused to provide me with payment options only throwing me into forbearance - I requested info on student loan forgiveness and was not provided any I receive daily collection calls from navient even though I requested no calls
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.