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

I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy, as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor... I submitted a letter to the Tranunion Credit Bureau XX/XX/XXXX to delete this suspicious information. I think you have not validated this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was told that if I paid the debt that it would be removed. Still shows on my report
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts and collections. 
ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX DATE OPENED : XX/XX/XXXX These accounts have resulted in several fraudulent and charged of appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX  ) as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests both the bureaus and collection agency, the unverified account I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX  ) with the account number XXXX is still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of UNCONFIRMED information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please reinvestigate the whole information especially the account type, date opened, balance, comments, and payment history. This information seems to be misleading. This will need to be REMOVED asap.
Product: Checking or savings account

XX/XX/2022 forced deposit at branch atm. This was stolen from me by the bank and was not resolved for 6 weeks. 
While this claim was being resolved, the banking institute closed my account from receiving my weekly paychecks. I called the customer service line when my employer told me my paycheck was rejected. The institute said thats standard while resolving the issue. Due to this all my bill pay auto drafts were rejected and my family has suffered due to this. It took me about a week to switch all my bill pays over to my new account, I attempted to pay back the overdrafts at the bank this happened with and they rejected my payment to them. 
I had to go get another checking account in the meantime, so I could get my paycheck, to live on. 
Refund was sent to the bank on XX/XX/2022 and was accepted by this bank. 
Once the issue was resolved a refund was issued to the banking institute that they are refusing to accept or return due to my account being closed. I have been dealing with this since XX/XX/2022 and I have spent hours on the phone, with the place that refunded the money ( the bank accepted the refund ), I have proof that they did, I have spent hours on the phone with bank customer service ( with a different story every time I call ), but no resolution. The bank has {$900.00} of my money they are refusing to give to me. I have RRN tracking numbers to prove the bank has my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got in the wrong hands ....
Product: Checking or savings account

I have {$1000.00} in overdraft fees now XXXX is mine but they let {$31.00} in overdraft fees to go thru in one month didnt notify me at all my account is with wells fargo bank
Product: Credit reporting or other personal consumer reports

Transunion has not updated my information it has been stagnate since the date of XX/XX/XXXX there was a freeze set in place, but has since been lifted for an ample amount of time now. To no avail, no updates on my consumer report it is exactly the same and some of the information has been adjusted. Yet have none of which been reflected. It is currently XXXX of XXXX so that is unacceptable with the amount of time lapsed greatly exceeds the legally reasonable amount of time. That negligence on the behalf XXXX and its subsidiaries I has caused me personal discrepancies. To be specific a collection there is only one on my Transunion report. The company involved is under a ceases and desist account that is only present via Transition all of the other agencies have been cooperative in remedy. Also revolving accounts with obsolete improper information there are also new accounts that are not being reported. Both XXXX and XXXX  scores and files aren't up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had requested that all dispute remarks be removed from all accounts listed on my credit report within 15 days. The dispute remarks are keeping me from closing on my home loan. I was told by a mortgage company to dispute all accounts that were in collects and now I am being told to have all the remarks removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditors who placed these inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries. If once your investigation is complete you find my allegation to be true, please remove the unauthorized inquiries from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiries referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to learn I was a victim of identity theft. I found numerous accounts on my credit report that weren't opened by me. This has been hurting me as I have been in the process of buying a home for my family. Please remove these fraudulent accounts from my report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I paid off my student loans, due to this my credit score dropped 56 points - this has drastically hurt my chances of getting a loan and buying a home. This should not have happened. I am being punished for paying off debt.
Product: Mortgage

First mortgage with Fifth Third Bank and the miscommunication with their mortgage department has been tremendous. I have been receiving different answers and guidance from every single person that I have talked to on the phone. 6 months ago I requested to get my PMI removed since the value of my home had increased. The bank stated that I needed a reappraisal, which I paid out of pocket. The bank sent me a letter saying that the appraisal came back very close to the 80 % threshold and that I just needed to make an additional payment to the principal. I completed this. Then they notified me that they couldn't remove PMI because my conventional loan was sold to XXXX XXXX and now I fell under their stipulations which included waiting 7 years to drop PMI. I never got notification of this sale nor new terms on my loan. Is the bank even allowed to do this? I already paid for reappraisal, followed all the instructions they gave me in addition to the extra payment to principal to get nowhere because now PMI can't be removed. Please advise if banks are allowed to make these changes. Every 5/3 rep I talked to in the phone has no idea how to explain what happened. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

INCORRECT INFORMATION ON MY CREDIT REPORT. MY PERSONAL INFORMATION WAS STOLEN DUE TO IDENTITY THEFT ON MY CREDIT CARD AND OTHER ACCOUNTS WERE APPLIED TO MY NAME. I FILED A POLICE REPORT AND SUBMITTED THE INFORMATION TO EQUIFAX, AND THEY REFUSED TO HONOR IT. I HAVE REACHED OUT TO EQUIFAX AS WELL AS XXXX XXXX AND XXXX, AND THEY ( XXXX XXXX XXXX XXXX ) REMOVED THE UNAUTHORIZED INQUIRIES ONCE I SUBMITTED THE POLICE REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Reported information listed on my Chex Systems Consumer ID Report : XXXX is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, {$990.00}, 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, the 9 Inquiries Viewed By Others listed on my consumer report is unauthorized and fraudulent, and the 18 Inquiries Viewed Only By You is fraudulent and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had entered into a non- binding mediation proposal with XXXX XXXX because of the use of my credit score to profit by the bank and the opening of an unauthorized checking and savings account on my behalf by the bank. On XX/XX/2022 and on XX/XX/2022 l had sign an agreement with the bank because of the terms listed on the mediation proposal by the XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX had paid to me the sum of {$970.00} for the agreement made because of the mediation proposal. The agreement was for XXXX XXXX to pay to me the sum of {$700.00} grossed. The sum of {$970.00} paid to me by XXXX XXXX is a very little sum of money compared to what the mediation proposal had ask to be paid. The proposal had ask for a two year identity theft protection along with the {$700.00} grossed to be paid to me by the bank, XXXX XXXX XXXX. XXXX XXXX had ask me to enroll in Experian XXXX, a {$60.00} XXXX in value base upon my opinion. I had told the bank that l had enroll in Experian identityworks because of the lawsuit file by Experian because. of the data breach that had occurred and the settlement of the lawsuit that was file because of the Experian data breach. I was told by the XXXX XXXX mediation program office and by the claim representative of XXXX XXXX, XXXX XXXX, that the most XXXX XXXX  could offer me for my failure to procure the identity protection service offered by the bank because of my prior enrollment in experian identity works offered also by XXXX XXXX is the sum of {$200.00}. I would like for the consumer financial protection bureau to inform XXXX XXXX of any exact amount of money owed to me by the bank, XXXX XXXX because of the agreement made between myself, XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the late payments from this account or delete this account as the information is incorrect. I've included the credit report from both XXXX and Experian and both are reporting different incorrect information. You have incorrect account numbers and also incorrect payment history. XXXX shows XXXX months of good payment history and Experian shows XXXX. Please delete or removed all late payments. 

Account name : XXXX XXXX XXXX  Account number : XXXX Date opened XX/XX/2013
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times in order to correct erroneous information found on my report. The first time they replied with a stall tactic email stating they did not believe the mail was from me even though I accompanied the mail with copies of identification and proof of residence. After sending multiple letters requesting that my personal information be updated and any other information taken off of their platform I was simply ignored. I am requesting this due to privacy reasons and the fear that my information will be used fraudulently. I have also requested the specific submittal of information on how accounts were verified, as in with whom, when, where, how contact was made. These request were also ignored. I have requested that if verification of these items can not be produced, then to removed them from my credit file immediately. This has also been ignored. The last round of letters I have mailed to Experian were mailed out on XX/XX/2023 and USPS certified mail tracking shows that they were delivered on XX/XX/XXXX, and XXXX XXXX These letters were sent out USPS certified mail and I am able to provide tracking. The credit reporting agencies have an obligation to consumers to report any and all information correctly and truthfully. Experian has not been doing that for me at all, and has simple just ignored my request for investigation into these accounts. I have attached all documents sent to Experian.
Product: Credit reporting or other personal consumer reports

I have no link to the creditors mentioned, and the inquiries are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/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, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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, credit repair services, or other personal consumer reports

I am writing to dispute the late payment that is appearing on my credit reports for the month of XX/XX/2018 associated with my XXXX XXXX XXXX account # XXXX. I firmly believe that this late payment is inaccurate and unjustified. 

My concern lies in the fact that I did not receive the billing statements for the aforementioned month, which led to the alleged late payment. I have always been diligent in making timely payments, and any late payment reported is a result of not being provided with the necessary billing information. 

Also XX/XX/2018 late payment is in violation of15 USC 1666b clearly states " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date ''.
Product: Credit card or prepaid card

Dear CFPB : My Self Credit Card ( which is a secured credit card ) was stolen along with several other of my cards and ID 's in, what I remember as being XXXX or XXXX of XXXX. 
Before I could cancel the card there were XXXX charges to my card for a total of {$89.00} to XXXX business, a scooter rental company in XXXX which I can not recall. I never have rented a scooter and there were XXXX charges for almost {$20.00} each. 

I submitted my claim to get a credit for these charges. The Self Credit Card team would not approve or otherwise credit my account back for these charges. 

This caused me to be over-limit and start to miss payments as I could not handle the minimums above my credit line. 

I don't think this is fair or right. I appreciate your looking into this with SELF and hopefully we can come to an equitable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting a charged off account that was already sold to another company which is also reporting on my credit report- this is double jeopardy, and I am demanding that you delete this account immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  purchased this account, and it is already reporting as a collection account. This is negligence and a violation of the FCRA. You are not reflecting my true credit worthiness and if this is not deleted immediately, I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report from XXXX  and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account in XX/XX/XXXX. I have previous credit reports from both agencies pulled in XXXX of XXXX, and neither one of these reports show me late in XX/XX/XXXX. Not only was I never late on this account, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I contacted your company and talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my XXXX  dispute and my XXXX  dispute have just come in, and both say verified. How is this possible? You werent able to provide me with anything. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX I`m a victim of Identity theft. I am enclosing my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.