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

TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX
Product: Checking or savings account

I was charged twice for the same transaction at XXXX XXXX XXXX in XXXX XXXX. I brought it to their attention and they told me it was my banks fault and that the bank would reverse it, but the bank is telling me it is the merchants ( XXXX XXXX XXXXXXXX ) fault. Now I am in the dark. The charge was the exact same amount charged and only seconds apart.
Product: Credit reporting

In attempting to verify my identity the XXXX credit agencies use information from my relatives then hold it against me that I do not know the answer. Transunion is the biggest culprit of this, where it is at the point that I am unable to get my own credit report due to their clerical incompetence.
Product: Student loan

I paid my loan in full as soon as the student repayment resumed. At the time, Mohela had already added interest. I tried to contact them so I could get a payoff estimate without the added interest but it is impossible to contact them, and the payoff calculator page is not available anymore. They do not respond to calls or email messages. I have paid my loan in full and they are still charging me interest. I want the interest removed.
Product: Credit card or prepaid card

company is reporting my nonpublic information without my consent, under 15u.s.c6802 Obligations with respect to disclosures of personal information. I have the right to privacy and never consent to report or was told I have the right to opt out this is identity theft and is violation of my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reported inaccuracy of a 30 day late payment reported on my credit I actually reached out to The company and also credit reporting agency XXXX XXXX and after their so-called investigation they did not provide any proof of accuracy of this item I would like to have this item. My credit report
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft resulting from a recent data breach. Fraudulent accounts and inquiries have appeared on my credit report that I did not authorize. 
In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following account and inquiry be blocked and deleted from my credit file immediately : Fraudulent Account : XXXX XXXX XXXXXXXX - XX/XX/XXXX - $ XXXX Fraudulent Inquiry : XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Prior Investigation related to today 's matter CFPB # XXXX We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Good day I am submitting this CFPB Complaint today for the XXXX time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. That didn't not get fixed prior Investigation. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the XXXX, Equifax and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft the Inquries are bellow : XXXX XXXXXXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. Since I seen these Unverified inquiries I have filed A Identity theft report with the FTC. Which is also attached to today 's complaint .. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 5 ) ( A ) of the FCRA you are required to DELETE all information which can not be verified. You have not produced My written consent to furnish these Unverified inquiries. or that they are even mine Thank you. XXXX
Product: Credit reporting

I already have a complaint Case number : XXXX, and waiting for your review. I would like to add additional information to the complaint. I contact XXXX by phone XX/XX/XXXX and spoke with XXXX, who stated that she worked in the billing department. I informed her that XXXX ( floor Leader ) claimed that Certegy contact XXXX regarding my dispute, and XXXX ( floor Leader ) stated that XXXX response was that there was unconfirmed conversation or calls relating to complaint about the product that was falsely advertised. XXXX said anything someone call the customer account is noted, and there was a conversation noted about product that I refused and they try to offer me something else, and I reply I call you back. ( the reason I said I call you back, because the conversation was getting debatable with the representatives because I did not want the services ). I have enclosed copy of statement that show that there was a conversation about refunding. On XX/XX/XXXX a transaction was made for {$190.00} under misleading advertisement, XX/XX/XXXX a refund was issuer for ( XXXX ) and it sat there until XX/XX/XXXX part of ( XXXX ) was apply to account that I never authorize or hear of, why would I order a XXXX Standard SSL, without a website. I do believed if Certegy and XXXX had follow the consumer protection law, I would have avoided, embarrassment, stress, credit denial. I call Certegy after speaking with XXXX at ( XXXX ) and spoke with a lady who claim that she needed my bank account and routing number in order to see if a dispute was made, the lady was quoting the same statement that XXXX ( Floor Leader ) had said, after I told him XXXX ( Floor Leader ) said there was a dispute on file. XXXX ( Floor Leader ) said in the beginning that there was no dispute file but when I told him XXXX ( Floor Leader ) said there was a dispute file, then that when XXXX ( Floor Leader ) starting asking for my bank account and routing number, and every since them all the Certegy representatives starting asking for my bank account and routing number in order to see if a dispute was file, I refused cause I thought it was a tactic that will be used against me for payment. XXXX ( Floor Leader ), XXXX and XXXX never asked for my bank account and routing number they asked for my I.D and the state it was issued to pull my account and to see if a dispute was filed. 
I do not trust Certegy representatives at their call center to handle any of my concern going forward. 

Please add this to complaint Case number : XXXX, already on file
Product: Credit card

Subject : Complaint against AVANT Credit Company for Denying Approved Credit I am writing to file a formal complaint against AVANT Credit Company regarding their denial of my right to use credit that I was previously approved for. The denial is based on a reported fraudulent personal loan using my personal information.

I received a notification from AVANT Credit Company stating that my approved credit was being denied due to a reported fraudulent personal loan. However, I have never taken out a personal loan with AVANT or any other financial institution, and I am confident that my personal information has been misused without my consent.

The denial of my approved credit is a clear violation of consumer protection laws and regulations. AVANT Credit Company has a responsibility to ensure the accuracy and integrity of the information they report to credit bureaus. By reporting a fraudulent personal loan using my personal information, AVANT Credit Company has not only damaged my creditworthiness but also violated my rights as a consumer.

I have taken several steps to rectify this issue. First, I contacted AVANT Credit Company 's customer service department to dispute the reported fraudulent personal loan and request the removal of this information from my credit report. However, despite providing evidence and supporting documentation, I have not received a satisfactory resolution to my complaint.

Furthermore, I have also contacted the credit bureaus to dispute the accuracy of the information reported by AVANT Credit Company. While the credit bureaus have initiated an investigation, the denial of my approved credit by AVANT Credit Company continues to impact my financial opportunities.
Product: Debt collection

I have repeatedly requested that Grant & Weber provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Mortgage

I recently tried to log into my account ( XX/XX/XXXX ) to resume making payments for my mortage and was locked out of my account. When I contacted Cross Country Mortgage to resolve the issue, they admitted to locking my account. Their explanation was because they discovered a bankruptcy, which belongs to my dad. We have the same name, however, XXXX am XXXX and he is XXXX. My father 's bankruptcy was filed late XXXX or early XXXX. What I find very disturbing is, Cross Country Mortgage did not verify the social security number to make sure it indeed belonged to me. If they would have just verified the ss number, I would not be in this stressful situation. I also take a problem with being asked ( by Cross Country Mortgage ) to send them a copy of my dad 's bankruptcy paperwork. My father is not a client of Cross Country Mortgage. This violates my father 's privacy. Although bankruptcy are public records, sending someone else 's records are not something a Mortgage company should be asking their actual mortage holder to do ( me ).
Product: Credit card

XX/XX/XXXX, I began to work with Home Depot ( store # XXXX ) on a bathroom renovation project, in large part because they offer 24 months of interest-free financing for such projects. In XXXX XXXX, once the estimate for the work was obtained ( approx {$25000.00} ), Home Depot/Citibank, N.A. extended me a credit line of {$26000.00}, with 24 months ' interest-free financing. XX/XX/XXXX, I noticed on my monthly billing statements that Citibank had, in fact, been charging me interest and so while I had been paying {$1000.00} per month ( more than the minimum payment due each month ), my balance had not been reduced much from the original {$25000.00}. I called customer service on XXXX XXXX, XXXX to inquire and they advised that they had never received the information about the promotional rate from the store ; after a long hold during which they researched, they advised that they would reverse the interest charges within a couple of billing cycles. As of XXXX XXXX, XXXX, it has not been reversed, so I again called customer service and was told that the reversal was put in a " referral queue '' where it has sat for two months. The representative was not able to help at that time, given that the resolution is in the queue. She referred the matter to a " partner specialist '' and advised that it should be resolved soon. I 've been charged approximately {$5800.00} in unwarranted interest which I suspect is affecting my credit score.
Product: Credit reporting or other personal consumer reports

I have tried to dispute this collections for some time now. Awhile back an ex spouse vindictively opened all this credit in my name. Her name was XXXX XXXX. I have just now noticed all the negative impact from this account and disputed all fraud made multiple times on all XXXX websites. XXXX, XXXX XXXX XXXX. Spring Oaks will not help me resolve this issue in any way. They ignore all my requests. Keep spiking my balance & hitting my credit hard. I just believe this to be unfair. This credit was opened without my knowledge and no help whatsoever on the companys end.
Product: Debt collection

Checked my credit report and have a derogatory remark against my credit score. 
A debt of XXXX dollars for a electrical bill in XXXX, VA. 
I do n't live in XXXX. So of course this could be identity theft as well.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute the failure to remove fraudulent accounts from my credit report, as this non-compliance with the law has been acknowledged by XXXX but persists with your bureau. Upon contacting the respective banks, they assured over the phone to remove these accounts due to fraud. XXXX has already completed their report by removing the fraudulent accounts, indicating that it is indeed feasible and compliant with regulations. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ....
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 XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This card is showing 2 late payments on my credit reports to the 3 major bureaus. One late payment was in XXXX of 2024, the other in XXXX. I am a XXXX veteran with a service connected XXXX XXXX XXXX XXXX XXXX XXXX XXXX exposure while I was XXXX XXXX XXXX XXXX XXXX XXXXXXXX of 2024 I experienced XXXX  symptoms from that injury which prevented me from accessing the payment portal in a timely manner. I called Customer Service and they assured me that this late payment would be rehabilitated on my credit report. In XXXX of 2024 I made an on time payment via the app. The app has been problematic in the past. The app showed that the payment was successful but this was in error because the payment did not go through. I called customer service and they acknowledged the issue and suggested I schedule all future payments as automated withdrawals from my bank account which I agreed to. The CS Rep said they would investigate removing that late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon investigating my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609  ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX  XXXX XXXX Opened : XX/XX/2018 Balance : {$2700.00}
Product: Debt collection

I am writing to dispute and request the removal of a dismissed fraudulent bankruptcy entry on my credit report. After diligent investigation and legal proceedings, it has been confirmed that the bankruptcy case was dismissed, and there is no basis for the inclusion of this information in my credit file. 
Below are the details related to the dismissed bankruptcy : Bankruptcy XXXX  XXXX dismissed Reference # : XXXX PLEASE DELETE!!!! 
It is imperative that this inaccurate information is promptly removed from my credit report to ensure its accuracy and to reflect my true creditworthiness. 
I understand that, according to the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed information within XXXX  days of receiving a consumer dispute. I kindly request that you expedite the investigation process and promptly remove the dismissed bankruptcy entry from my credit report.
Product: Debt collection

I got a notification regarding a debt collection on my credit that I owe {$30.00} from XXXX XXXX of XXXX, I never went to the facility, I never get any service at all! I called XXXX to dispute the collection and the report results that the account was under a DIFFERENT NAME with MY SOCIAL SECURITY NUMBER and MY DATE OF BIRTH. I called XXXX XXXX of XXXX and they confiremed that I wasn't in their system at all because I never went there in the first place. I don't know how they got my SSN and DOB under a DIFFERENT NAME. It is concerning!
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness of an accuracy of the list of the accounts below. 

XXXXXXXX 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

The bankruptcy court of Tn has no stated that they did not give out my personal information to be reported. The information and date of bankruptcy is inaccurate this bankruptcy is 8 years old. I want it removed from my report.
Product: Debt collection

On XX/XX/2022, I mailed a check in the amount of {$280.00} to Credit Control Corporation in XXXX XXXX XXXX to absolve an outstanding medical bill on my credit report. This check then cleared my checking account on XX/XX/2022. 

I waited an entire cycle before disputing the delinquency on my XXXX  and XXXX credit reports. When I disputed the claim I provided the endorsed check from my bank that clearly shows the bank of the check was endorsed by Credit Control Corporation : Pay to the order of town bank R and B CCorporation of VA. ( then it list their account number, which I'll be more than happy to provide ) XXXX and XXXX refuse to remove the delinquency stating that the claim is verified as of XX/XX/2022. 

On, XX/XX/2022, I called Credit Control Corporation, and I recorded the entire phone call. Not only did the lady state she received my payment, she also stated they don't file medical claims on credit reports. Why lie? All I want is it removed! I paid it, stop lying, and remove it. I have the entire conversation recorded. You can do that in XXXX 

They need to be stopped. They should not be able to take your money then lie! That is disgraceful!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed contents of a file created by Checkr Inc. They did no first hand research although obliged to do so by law. Relying on a third party to do research makes their conclusion erroneous. The record still stands, no thorough first hand account of the information has been taken, nor is possible and they are responsible for the damages they are causing because of their disregard of the statutory obligations I am due.