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

Transunion continues to allow XXXX XXXX XXXX to report inaccurateinformation to my credit file. 

XXXX is reporting a late payment for XXXX & XX/XX/XXXX. Payments were made on the XXXX of the month both of those months. The payment due date on this account was the XXXXof each month. There are previous payments made on the XXXX of the month during the year of XXXX that were not reported as derogatory. 
When I log intomy XXXX  account right now it shows a huge inaccurate amountis currently owed on the account. When I log into the account XXXX shows that I owe a balance of {$1300.00}. This just goes to show how glitched and inaccurate the system holding my information is. 
This account was closed and paid in full on XXXX by my insurancecompany after being deemed a total loss. This account should be reporting closed and paid as of XX/XX/XXXX. 

To be clear there were no late payments in XX/XX/XXXX XX/XX/XXXX or anything reported after XX/XX/XXXX Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge. 
I have attached documents to prove that XXXX has inconsistent information on my account and IT IS inaccurate. This is not in accordance with the FCRA. It is your obligation as a credit bureau to correct this inaccuracy.
Product: Credit card or prepaid card

The California XXXX XXXX payment issued to BOA debit card services by XXXX is a fraud! 

I am a victim of fraud! By XXXX BOA pre paid card services I am XXXX and my funds have been Fraudulently been confiscated, By Bank of America. 

On XX/XX/2022 I received a text message from XXXX indicating my disabilty funds were frozen and I needed to follow a link to XXXX. The link was http XXXX XXXX After following the link it sent me to Bank of America website where it asks to identify myself with a series of questions ; where I was born, what my favorite animal is, my favorite color, my family names etc. 

The following day my entire funds of {$1000.00} had been wiped out! My entire XXXX funds stolen! 

I call BOA pre paid card services XXXX number the Representatives are very unprofessional not adequately phone train have zero phone etiquette Very very unprofessional. 

I was told I could not file a claim with the Bank of America ( bank ) I had to file a claim through them the ( BOA prepaid card services ) which is a different entity from the bank but still part of Bank of America.?, I had to follow a series of questions to identify myself, then a new card would be issued ; but regarding the funds of over {$1000.00}. that were stolen by fake wire transfer ; Would be investigated would take up to 45 to 90 days after they determine their investigation. 

I have been taken advantaged of by BOA pre paid card services! I was sent this link by BOA please review the links attached as I took screen shots I have no money to pay my rent! I am a victim of fraud this was my entire XXXX  grant balance! They took all my money! 

Claim number to BOA pre paid card service phone number is XXXX Address to claims is Bank of America pre paid card services XXXX XXXX XXXX XXXX AZ. XXXX
Product: Credit reporting

In reviewing my credit report, I 've noticed an XXXX XXXX credit card opened in XXXX 2015. I do n't have an XXXX XXXX credit card and I have not opened any new credit card accounts.
Product: Debt collection

PRA is claiming to have personal records of mine which I never granted. I as a consumer in law have a right to privacy and as such I never gave my consent for PRA to have access to my personal information if indeed they have it, they have under false pretenses. Please note I will hold PRA liable for aggravated identity theft if they continue to use my information without my consent under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX My social : XXXX XXXX XXXX account, I opened a complaint with Transunion about my XXXX Account Number : XXXX. On my credit report. Transunion has done an investigation and failed to give me any proof that the account is valid. This account is not valid and I have a letter from the creditor that states that it is not valid. I Made the complaint on XX/XX/XXXX and the result came in as a valid debt which it is not. Transunion has not provided any proof that it is my account. I have proof that this does not belong on my credit report, you can contact XXXX XXXX the confirmation number for deletion is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recall authorizing these hard inquiry of my credit record. I am demanding that they be removed immediately. 

- XXXXXXXX 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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian and XXXX to reinvestigate these accounts : XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

The FCRA
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$150.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$800.00XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$660.00} INQUIRIES 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 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters and a police report.  XXXX  is having a problem removing this off my credit report. I never had a car loan from  National Account System  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , (  XXXX  )  XXXX . I never lived in  XXXX ,  NE  and asked them to send me proof of the sign contract and no response. Please remove this off my credit report. The dates was  XXXX / XXXX /  XXXX   collection date and loan begin in  XXXX   XXXX .
Product: Checking or savings account

I'm being given the run around as to why my transactions are not being processed and reflecting on my account at the point of sale. I have called Navy federal credit union and is told many different stories. Please help because its causing problems with my account and all of a sudden my account is in the negative. Everyone has different stories from Customer Service, to the managers to the Branch Managers. No one is consistent.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 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

XXXX has failed to meet its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) has previously filed a lawsuit against XXXX, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses from furnishers, and inadequately notifying consumers of dispute outcomes. 

Despite the evidence I provided, XXXX has neither corrected nor removed the disputed items on my credit report. This inaction continues to harm my credit standing. I am requesting immediate corrective action to remove or accurately update the disputed accounts. XXXX failure to address these issues violates federal law and my rights as a consumer under the FCRA. 

Thank you for addressing this matter promptly.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Account number # XXXX I have previously disputed the accuracy of the information for the closed at my request and paid in full account with XXXX and all CRAs ( Experian, XXXX, XXXX ), however, the information remains on my credit report. This continuing reporting of negative and inaccurate information is adversely affecting me despite an excellent payment across accounts.

The specific areas of discrepancy across the CRAs are highlighted in the attached 3 credit bureau report and listed below. 
Date opened High credit Last reported Date last active Date of last payment
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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

Companies falsely reporting inquiries to my credit are as follows : 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 XXXXXX/XX/year> I did not authorize these credit pulls and request they be investigated and removed.
Product: Debt collection

A law office continues to try and collect a debt that is over 7 years old. I have disputed the debt online and I believe it has been removed ; however, this company continues to send letters. I have also provided, several times, proof that I am on public assistance, and an exempt from collection.
Product: Debt collection

XXXX XXXX  XXXX Estate Information Services , LLC XXXX XXXX XXXX XXXX, OH XXXX Reference # : XXXX Phone : XXXX Fax : XXXX XX/XX/2024 Written letter sent to my place of employment that included all of my personal information and debt/financial information. I have been in contact with this agency specifying under no circumstances am I to be contacted at my placed of work, and my information shared that is personal-private and it is inappropriate and violating-demoralizing. They have been contacted to only send mail to my personal certified address.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, My concern is card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. 
Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, ( POOR ) condition, as if overnight. Failure for Consideration for credit line increase to provide for balance transfers to slow down the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays. 
The rate increase and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. 
Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. 
This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XX/XX/XXXX.
Product: Mortgage

Back in XXXX my now ex husband and I had a 2nd mortgage through Beneficial HSBC. In XXXX my ex and I divorced and I was forced to file bankruptcy. During the bankruptcy proceedings beneficial wrote the debt owed to the loan off and closed the loan, note I did not request this they did this. I have not had communication with Beneficial in over 6 years until now. I 'm selling my home and Beneficial came up as a lien during this process. Beneficial never released the lien with the county. I have been in contact with Beneficial several times since XXXX XXXX, also my escrow officer has been in communication with Beneficial. We are getting the run around that this is being taken care of and expedited this was back on XXXX XXXX. We have requested to talk with managers and have been told we would receive a call back but this never happens. Today they told us they have submitted just today a lien release request to management this would take 7 business days and 3 weeks to send to our county to be recorded. We dont have another 3 weeks for an expedited service ...!!! The buyer signed papers XXXX XXXX but we can not close without the release. We are now facing that my buyer may not be able to go through with the purchase because of the time it has taken to close, we have had to do a lot with the buyers bank they are not patient anymore. This is causing great deals of frustration and stress. Very disappointed that we seem to not be getting anywhere with Beneficial, after all they never did what they where supposed to do 6 years ago and release the lien. They have been dishonest in communication to both myself and escrow officer and have XXXX integrity. I need help to get them to do as they said they would and be able to trust this will be done since this will be the 6th time I have been told its in review. I need resolutions this by this week, or it will cause economic damages to the buyer and to myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX/XXXX  XXXX not mine XXXX  XXXX not mine XXXX XXXX not mine XXXX/XXXX XXXX not mine COLLECTIONS 01 XXXX XXXX XXXX XXXX {$840.00} not mine 11 XXXX XXXX XXXX XXXX {$0.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I never received my original contract with my wet signature and I never signed a contract with XXXX AND XXXX and they have failed to validate the debt. You have violated and compromised my private information according to the XXXX XXXX. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I have attached 2 pieces of information for proof of my identity.
Product: Credit reporting or other personal consumer reports

Account information displayed on XXXX, XXXX, and Equifax is inaccurate and incomplete on all accounts listed on consumer report. XXXX XXXX XXXX XXXX in particular is listed as a loan type knowing this was not a loan. This was a credit transaction for a credit sale, and I was not loaned any goods or services. It is a violation of the FCRA to knowingly furnish false and misleading information. XXXX is reporting XXXX XXXX  information in the account type field therefore causing inaccurate and incomplete information on all accounts above. XXXX is not following the guidelines of Metro 2 that are in place to ensure fair credit weighing and reporting. 

XXXXXXXX XXXX was mailed a billing error pursuant to 15 U.S.C 1666 and therefore did not have and currently does not have the right to report payments as late pursuant to 15 U.S.C 1666a. Reporting payments as late is a clear violation of 15 U.S.C 1666 when said payments are in a billing error status. XXXX XXXX does not mail out disclosures as required by 15 U.S.C 1666b timing of payments. It would be impossible for XXXX XXXX to mail out disclosures at least 21 day prior to due date because they want a payment every two weeks, which is only 14 days.

15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), clearly states that transactions report containing information solely as to transactions or experiences between the consumer and the person/ corporation making the report is NOT included in the consumer report. However, XXXX is reporting this information. The reporting of excluded information pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro 2 Compliance. Provide me with the Metro 2 compliance disclosure on reporting transactions to a consumer reporting agency.

I need the transactions reporting as late, collection, charge off status, and any other derogatory information deleted from my consumer report effective immediately. Please do not reply stating these accounts are verified or validated, as I am not requesting XXXX and its affiliates to verify or validate anything. If this is done it will not be in Good Faith but merely seen as a tactic to waste my time and further damage the livelihood of my family and me. 

All negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a Copy B of the 1099-C cancellation of debt. XXXX and the creditors reporting collections/Charge-Offs, lates payments/ any other derogatory information in my consumer report are in violation of 26 U.S.C ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If the forementioned derogatory account information is not deleted from my consumer report in a timely manner I will be forced to officially file IRS form 3949A and 211 against all entities involved.

The current status of my accounts is not correct. The report is not complaint with metro 2 guidelines.

Charge offs is considered income by the IRS and should not reflect on a consumer report. 
False and misleading information on report.
Product: Credit card or prepaid card

Purchase Date : XX/XX/XXXX Purchase Item : XXXX XXXX XXXX Router Purchase Amount : {$210.00} Router is not secure and showing an inordinate amount of activity. XXXX XXXX XXXX customer service advised that someone had gained access to the router, that they cold not fix, and to speak with someone at the store in which it was purchased. 

The XXXX, MI XXXX XXXX XXXX store, without looking at the router, told me that XXXX XXXX XXXX customer service was wrong and that there was nothing they could. 

Thus, a claim was filed with PayPal as this Master Card was issued by PayPal. 

The following letters to PayPal and emails I have received are attached. 

In addition, because I have an automatic call recorder on my phone, the numerous phone calls I have had with XXXX XXXX XXXX and PayPayl are available. 

These phone calls will help to verify the conversations with XXXX XXXX XXXX mentioned above. They will also verify that I have been told by PayPal that they never attempted to contact XXXX XXXX XXXX and that the questions I answered regarding the email of XX/XX/XXXX were ignored. 

In this case, it appears that PayPal did not adhere to their own policies and procedures.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information.

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report immediately : ACCOUNT INFO Account name XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX