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

I XXXX XXXX am submitting this complaint on behalf of myself with no help from anyone. 
I am a natural person, and consumer seeking assistance from the CFPB in regards to a matter I am having difficulty resolving with Transunion, consumer reporting agency. 

TRANSUNION is committing identity theft against me ; I have informed TRANSUNION that they are incorrectly spelling my name. My name is XXXX XXXX, yet my report states XXXX XXXX, a name I have never went by. I have mailed in my license a numerous amount of times, yet TRANSUNION claims theyve never received any mail by me. I have attached a copy of my license along with this complaint. 
Second issue I am having is Identity theft with companies, I have filed two FTC reports, as well as a police report, which TRANSUNION is again stating theyve never received. Ive disputed these accounts below as Fraudulent, identity theft, but yet again TRANSUNION is not honoring their duty to me as the consumer and conducting a proper investigation. I find is funny how XXXX, and XXXX have followed the laws, and removed these accounts but TRANSUNION somehow can verify, or cant block or update MY PERSONAL INFORMATION, as if they personally know me. 
Let me remind you TRANSUNION, youre in possession of my consumer report, it is your obligation and duty, to make sure the information youre reporting to my consumer report is completely accurate! 
FTC report number # XXXX, the following accounts are included in my FTC report, let me again remind you that according to the FCRA you have a duty to block these accounts from my consumer report within 4 business days of receiving my dispute. I have attached a copy of my credit report to show what accounts are fraudulent. 

XXXX XXXX Account XXXX XXXX {$2500.00} XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXI- Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX-Account XXXX XXXX {$20000.00}
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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX and 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

XXXX and Transunion are reporting incorrectly a collection in the amount of {$1800.00} on the XXXX  XXXX  partial account number XXXX. ( Please see pages 27 and 28 of the attached credit report. ) This account is well over ( 7 ) years old and reporting of this line item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this, however I have not been successful.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN REPORTING TO THE CREDIT BUREAUS THAT THERE IS A DEROGATORY ACCOUNT REPORTING ON MY CREDIT FILE THAT DOESNT BELONG TO ME. AFTER PULLING ALL THREE OF MY CREDIT REPORTS I NOTICED A XXXX XXXX REPORTING ON MY REPORT THAT IS NOT MINE. I DISPUTED THIS AND THE CREDIT BUREAUS ARE VERIFYING THAT THIS ACCOUNT IS ACCURATE. I REQUESTED THEM TO SEND ME THE CASE INFORMATION I CONTACTED THE COURT AS WELL TO FIND OUT WHAT IS GOING ON BUT THE XXXX XXXX COURT SYSTEM HAS NO RECORD OF THIS CASE IN THEIR DOCKETS. 

I REQUESTED THE CASE FILES BEHIND THIS BANKRUPTCY BECAUSE THE COURT DOES NOT HAVE THIS IN THEIR DATABASE SO IM NOT UNDERSTANDING HOW THE CREDIT BUREAUS ARE VALIDATING THIS AND CONTINUOUSLY REPORTING THS ON MY CREDIT FILE. I GOOGLED THE INFORMATION AND A COMPANY NOT AFFILIATED WITH THE COURT SYSTEM SHOWS THE INFORMATION ON MY CREDIT FILE BUT HAVE NO SUPPORTING DOCUMENTATION OF THIS BANKRUPTCY CASE. THE CASE NUMBER THEY ARE REPORTING IS XXXX THIS IS'NT A CASE NUMBER THAT I AM ABLE TO LOCATE IN THE COURT SYSTEM. 

THE COMPANY NAME PULLS UP AS PUBLIC INFORMATION SERVICES WHICH IS A COMPANY THAT PROVIDES CONSULTING SERVICES IN CALIFORNIA. 
I HAVE NO AFFILIATION WITH THIS COMPANY AND I AM UNSURE HOW THEY WERE ABLE TO HAVE ACCESS TO MY PERSONAL INFORMATION AND CREDIT FILE. THIS IS A VIOLATION OF MY CONSUMER RIGHTS UNDER FCRA LAW. HOW ARE THE BUREAUS ABLE TO REPORT THIS TO MY CREDIT FILE WITHOUT PROPERLY VALIDATING WITH THE SOURCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct # : XXXX n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

First, this debt has been paid directly to the original creditor so this debt is invalid. Second, this company called me and my spouse using the number of an auto parts store in Minnesota. When answering, the lady was very rude, obscene and threatening.
Product: Checking or savings account

I've received an advertisement from Citibank for a XXXX  Savings account that indicated a bonus of XXXX  XXXX XXXX  XXXX  and 25 % more XXXX  on the credit card that I've already had with Citi if all the terms were met. The terms were to maintain a balance of {$10000.00} for 60 days after the initial deposit period of 30 days, so 90 days totals. The account was opened on XX/XX/22 and the deposit of XXXX has been made to the account as of XX/XX/22. As of XX/XX/22, I still haven't received the XXXX XXXX XXXX  bonus for opening the account. After contacting Citi customer service, I was told that they don't see the promotion under my account ; however, I have been receiving 25 % extra XXXX  on the credit card. There is an error on Citi 's side that they haven't been able to resolve in getting me the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX 's on 2 occasions asking them to send me a copy of my signature of agreement with their company or any viable evidence. XXXX 's response to me asking my to send them the information and a full account number of the item that the credit bureau is reporting as they have no knowledge of the reporting, so being that I had disputed the 3 major credit reporting bureau on numerous time and it been a sea saw they deleted the account verified the account back & forward so I requested the method of verification from the credit company XXXX   & XXXX replied that they only send the disputes to the company. Now after going back and forward with XXXX 's they have sent me a generated bill with my name and account number but never sent a copy of a signed agreement or any viable evidence. 

PS : I'm including letter of communication
Product: Credit reporting or other personal consumer reports

I was told due to me being a XXXX XXXX XXXXXXXX veteran I am eligible for student loan discharge which would delete these student loans off my report by XX/XX/year> by XXXX : DEPT OF EDXXXX : Account number : XXXX Open Date : XX/XX/year> DEPT OF ED/XXXXXXXX XXXX Account number : XXXX Open Date : XX/XX/year> DEPT OF ED/XXXX XXXX  Account number : XXXX Open Date : XX/XX/year> DEPT OF EDXXXX : Account number : XXXX Open Date : XX/XX/year> It has not been removed and is now being reported inaccurately by the Credit reporting agencies. UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Product: Debt collection

Navient has continuously attempted to collect a debt that I do not owe. This debt was originally owned by Sallie Mae and the Sallie Mae loan were deleted from my credit report. They can not collect a debt that hat been deleted by the original owner. I requested information concerning the original creditor and the original account number on XX/XX/2019. I have included a copy of that request and a copy of the promissory note showing the original creditor and a copy showing that It was deleted from my credit report. This has been ruining my credit. They are violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$0.00}
Product: Checking or savings account

constantly being charged for overdraft and for monthly XXXX $ service fee when I use my card constantly. It gets me the the point I want to cancel my Wells Fargo account with how many times they have done it.
Product: Debt collection

Due to being a victim identity theft a fraudulent account with XXXX was opened.
Product: Credit reporting

I have attached my tax return. I only made {$250.00} in the state of maryland, Thus I do n't owe what they said I owe. 
Maryland has closed this stating they are satisfied, but now it is on my credit for the next 7 years. Its not right, It should not be on there at all. It needs to be off. I attached XXXX document reporting this. 
Thank you
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries are not mine. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these items from my credit report. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$610.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Fraudulent Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

On the payments history some of the months are current and they don't said okay because I pay those dates please remove the current and correct the Payment history.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX  XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian, XXXX. XXXX, Experian, XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Checking or savings account

On XXXX XXXX using a XXXX XXXX  XXXX  XXXX XXXX to pay my local garage bill so i can get my tag at XXXX XXXX XXXX XXXX XXXX. The teller says can not used this card i thought it was local bank debt card so i took Trustmark bank card for XXXX XXXX XXXX XXXX for {$50.00} @ XXXX XXXX  Then Sunday XXXX Home Phone called XXXX Trustmark Case # XXXX XXXX XXXX {$76.00} for XXXX others are XXXX XXXX XXXX for {$250.00} And XXXX XXXX XXXX in XXXX, tn {$250.00} then it's look like Debit reversal {$250.00} that's was XXXX XXXX  Then XXXX  XXXX XXXX XXXX XXXX  Was {$86.00} on XX/XX/2022 for Fair Market Value prior {$86.00} on XX/XX/2022 for XXXX XXXX  and on XX/XX/2022 same amount same name. 
Thanks very much XXXX XXXX XXXX, Please let me know about this A.S.A. P.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX  XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
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.

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 seven 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.
Product: Debt collection

I requested via letter 2 months ago that Commonwealth Financial Systems verify the following information. 1. What hospital is this medical collection for? 2. Date I was supposedly at this hospital 3. Full account summary and itemized calculation of alleged debt 4. Registered/Licensed to collect in the state of Georgia and Florida. I have not received a response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX ) is trying to collect a money from me and reporting it to my credit report. The debt is fraudulent. My identity was stolen and used against my knowledge and consent. I have fraud alerts on my credit and have also contacted the police about this debt. The company claims I owe {$3700.00}. I have no knowledge of the origins of this debt which this company is seeking to recover. The entire account is fraudulent. 

I have contacted Transunion credit reporting agency on multiple occasions to delete the fraudulent account. Transunion has not responded to the original CFPB complaint which was filed on XX/XX/year>. The company XXXX XXXX XXXX XXXX XXXX, XXXX has not responded to the CFPB complaint on filed on XX/XX/XXXX. 

Transunion investigation on my dispute I submitted through their company results were valid with no evidence of proof other than the company 's word of mouth considering it to be hearsay. 

No documentation was provided to me on the fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX I filed a dispute with XXXX around XX/XX/XXXX in which the item could not be verified, so the item was deleted. Later, it was reinserted. I reached out to them about the reinsertion and requested a deletion, but they continue to report this inaccurate account on my credit file. 

I filed a dispute with Equifax who was reporting a monthly payment amount of {$47.00} when XXXX and XXXX was reporting {$0.00}. Upon filing a dispute with Equifax, they updated the monthly payment to {$0.00}, but also changed the first reported delinquency date to XX/XX/XXXX when they first had it reported as XX/XX/XXXX. There are too many inaccuracies and contradictory information being added and removed by all 3 bureaus ( XXXX, XXXX, and Equifax ), and is a violation of 15usc 1681eb. I want this account removed from my credit file with all XXXX bureaus immediately.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing this formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for my XXXX XXXXXXXX account ( Account Number : XXXX ). 

Despite multiple requests for correction through letters dated XX/XX/XXXX and XX/XX/XXXX, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of the information reported in a consumers file. In my case, this mandate has not been followed, as the incorrect reporting of late payments has persisted despite my two prior disputes. 
Moreover, under 15 U.S. Code 1666b, creditors are required to send periodic billing statements at least 21 days before a payment 's due date. The inaccuracies in late payment reporting indicate that this requirement was not adhered to, which further supports my claim of unlawful reporting practices. 
TILA Violations The Truth in Lending Act emphasizes the necessity of providing accurate and timely disclosures to consumers. The incorrect reporting of late payments on my account has had a negative impact on my creditworthiness, thus violating these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) Additionally, the Protection Against Non-Payment of Obligations Act reinforces creditors ' responsibility to issue timely billing statements, preventing consumers from incurring unfair penalties. This responsibility was not met by XXXX XXXX in my case. 

New Evidence of Error The discrepancies across the three major credit bureaus for my XXXX XXXXXXXX account involve inaccurate reporting of late payments in XXXX, XXXX and XXXX of XXXX. Specifically, both XXXX and XXXX incorrectly reported 30-day late payments in XXXX and XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX. 

Equifax also reported similar late payments in XXXX ( 30 days ) and XXXX ( 60 days ), along with an incorrect 30-day late payment in XX/XX/XXXX. These errors remain unresolved despite my previous disputes. 
Pattern of Non-Compliance The repeated errors across these credit bureaus highlight a pattern of non-compliance. This persistent failure to accurately report my payment history is unacceptable and has caused unjustified harm to my credit score. 

I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 

Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

NEW AMERICAN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX