23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent Transunion a letter on XXXX informing them that they have violated my rights and could they please correct the information on my credit report and I have not been able to get a response nor a resolution, in fact I am still getting calls regarding this account. in my letter i informed them of this : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TRANSUNION This letter will serve as a formal notice informing you that my rights as a federally protected consumer have been violated. 
You have unlawfully and willfully reported LATE payments and Utilization ( which are transactions and experiences ) to my credit and in accordance with the FCRA : 15 USC 1681a 2 ( A ) ( i ) : Exclusions - Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Because Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, so I am confused as to why you TRANSUNION are reporting late payments from ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX for XXXX, XXXX & XXXX ) ( XXXX XXXX XXXX for XXXX & XXXX ) ( XXXX  XXXX for the months of XXXX, XXXX & XXXX ) ( XXXX XXXX for XXXX & XXXX ) ( XXXX XXXX for XXXX, XXXX & XXXX ) when such an action is a clear violation of my consumer rights in accordance with the FCRA ACT! 

As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with Maximum Accuracy. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you TRANSUNION feel that said protection is not mine to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and utilization as well as statements showing that these payments were late, and documentation authorizing you TRANSUNION to report my utilization. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! And Utilization removed! Or remove it from my consumer report altogether.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a total of three disputes with Experian and XXXX for the removal of XXXX XXXX information ( totaling {$300.00} ) on my credit reports. Disputes were filed in XX/XX/XXXX ( online ), XX/XX/XXXX ( online ) and XX/XX/XXXX ( certified mail ). 

The collection account was tied to a workers compensation claim due to a work-related injury. There were numerous delays in the claim settlement and I was never responsible for payment of this account. The claim was paid in full by XXXX XXXX XXXX XXXX XXXX XXXX and the Division of Federal Employees Compensation ( documentation provided ). 

I originally disputed this account in XX/XX/XXXX as noted on the current ( Experian ) report. However, the account was not removed from my file as originally requested. In XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX ( XXXX ) to request the necessary documentation to remove the account from my file. XXXX sent the requested documents to Experian and XXXX  on XX/XX/XXXX. I then filed a second online dispute with both companies in XX/XX/XXXX. 

After nearly 120-days the account remains posted to both reports. Whats more alarming is that Experian has now listed that case twice, with a second ( new ) date of XX/XX/XXXX ( pg. 8 ). The legend indicates this is an open collection ( C ) with a report date of XX/XX/XXXX. This is inaccurate information and a duplicate reporting of the original account. This account needs to be removed from my files at both Experian and XXXX credit reporting agencies. 

Enclosed are copies of the documentation from the XXXX XXXX XXXX XXXX  and the original creditor, XXXX XXXX XXXX XXXX, indicating this account was settled and paid in full by XXXX XXXX XXXX XXXX XXXX XXXX and the Division of Federal Employees Compensation ( workers compensation ). I have also enclosed copies of both credit reports, in the exact format they were recently sent to both Credit Bureaus for the third dispute by certified mail. 

These inaccuracies are significantly impeding my mortgage application and lending rates, impacting my ability to purchase our first home. If Experian and XXXX  are unable to resolve this issue in a timely manner, I plan to seek legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week i called USCB corporation to fix a new account put in collections in my name. I have never heard of such account. The charged was for registration fee with a local community college, years ago i have already called the local community college and they had removed the fee. However, it appears that they sold the debt or hired USCB corporation to collect the debt. Without billing me or letting me know ahead of time, this company send the amount to collections. This is inaccurate information because i had already fix this issue with the local community college years ago.
Product: Checking or savings account

Current bank is a scam!!! And i been trying to get my dispute back from this bank for a min! It took for a police report for me to try to get the XXXX back that someone spent at XXXX in a whole nothee state that i never thought of or been to! If this doesnt getting settled and they dont do a right investigation! I will be filing a suit against the company! Cause thats basically leting scammers take money for no reason! I need help nd the money back!
Product: Debt collection

This debt collector engaged in abusive, non-verified, deceptive and unfair practices of the FDCPA which it prohibits. I sent the attached documentation for validation on XX/XX/XXXX, ATG Credit received my certified mail on XX/XX/XXXX, I have the return receipt as proof. 

They furnished this account that we did not agree upon, nor did I sign any agreement. A legal contract signed is by two parties, and I did not participate in any of this. More so they didn't follow the proper 5 step validation procedure which makes this unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation and they have clearly violated.
Product: Credit reporting or other personal consumer reports

Letter to Remove Inaccurate Credit Information I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. These account are out of the statue of limitation which mean by law they need to come off my credit report : XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 



Based on my reading I know by law inquiry are only allow to stay on your credit report for 2 years from the day the inquiry was pulled. Which means that all the above accounts need to be removed. I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back to me within 30 days. 



I am also requesting that you send me an updated credit report once your investigation is complete you can send the copy to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/2022, and XXXX XXXX XXXX  but the bureaus did not remove them. 

Sec. 602 I have a right to privacy XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I purchased a camera bundle from XXXX XXXX and decided to return the bundle because it was defective. As a result, I purchased the item elsewhere. I sent the bundle back to XXXX XXXX based on the prepaid return label that was provided to me by their customer service. The day the bundle was registered as delivered to their return facility, I received a call claiming that the camera was not inside when the other products were despite sending back the entire bundle, camera included for a full refund. The representative on the phone asked me what happened and seemed intent on the get-go on accusing me of fraud and the like. XXXX XXXX refused to ever update me on the case as they were claiming that a XXXX   investigation was opened and closed concluding the weight of the package did not change. Yet at the same time, I still do not have my money back with XXXX XXXX repeatedly attempting to pin the blame on me despite sending back what I received from them originally and fulfilling my obligation as a customer to obtain a full refund. I escalated the case with Discover and despite sending back the item with XXXX XXXX 's prepaid return label with full confirmation, they refused to side with me on the dispute. There was further documentation provided by XXXX XXXX where they claimed the " fragility '' of my tone of voice as notation aimed to firmly place the blame on my myself. I can not handle that I deal with XXXX  from XXXX due to being robbed on the phone once before.
Product: Debt collection

I received a letter from XXXX XXXX attorney telling me a judgement could be reactivated since it went dormant. I offered to pay half the debt to XXXX XXXX on XX/XX/2024. I sent proof I received social security. They told me to put file number XXXX and to send it to XXXX. The attorney said they would contact the client and get back to me. I followed up a week later with no response. I called Portfolio Recovery myself and they said they don't own the debt to contact XXXX XXXX. I'm being threatened legal actions and I'm offering a settlement for my debt that I can afford and no one will cooperate or communicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX City, State Zip XX/XX/2023 Transunion XXXX XXXX XXXX XXXX, PA XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information TransUnion Consumer Solutions , it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I am hereby requesting all above disclosures required by Federal Law. 


Yours Truly XXXX XXXX, XXXX ( All Rights Reserved )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I became delinquent with a business credit card account with XXXX XXXX. XXXX XXXX reported my delinquency with the three major credit bureaus ( XXXX, Equifax, XXXX ). They also hired a collection agency to collect the debt. I reached a settlement agreement with the agency and paid the agreed amount in full per the contract. As soon as I paid the full settlement amount, that is when all my problems began. It has been a nightmare of process that is still ongoing and has severely hindered my ability to get credit and financing ... things that I rely on and need both personally and for my business. In short, as soon as the settlement was paid, all three bureaus reported incorrect dates on my personal reports essentially " re-aging '' my debt. The issue solely stems from the DOFD or " Date of First Delinquency ''. The correct date of the First Delinquency is XX/XX/XXXX. Currently, all three of the credit bureaus have different dates listed for that delinquency. The most damaging is XXXX, who has the First Delinquency date of XX/XX/XXXX. They also removed all the history of the XXXX XXXX account with an exception of one date ... that being XX/XX/XXXX. Please note that I personally contacted XXXX XXXX and they have CONFIRMED the First Date of Delinquency as XX/XX/XXXX. Now, after the confirmation with XXXX XXXX, I sent registered letters to all three bureaus TWICE to dispute the incorrect information. The first was in XX/XX/XXXX ( as soon as the saw the drastic change in my report and massive drop in my credit score ). All three bureaus responded with letters stating that the account was " updated ''. However, nothing was updated in all three reports. I then sent the SECOND set of registered letters to all three bureaus in XX/XX/XXXX stating the information I provided to them was verified by the creditor ( XXXX XXXX. Additionally, I asked them all to please tell me how they were able to " update '' or " verify '' the account. I also stated that because they all have the information incorrectly reported, even after my disputes, BY LAW and the FCRA, they must delete the entire account since they can not get it correct. Unfortunately, I received the SAME EXACT RESPONSES from ALL THREE OF THE BUREAUS with no change to my report. They just sent me generic letters with absolutely no answers whatsoever. As it stands today, my personal report is still incorrect and even more frustrating, all three bureaus have different information for the same XXXX XXXX account. The entire process has been a nightmare and has wrecked me both financially and mentally. I DO NOT know what to do at this point. I hope that the government will assist me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, I spoke to a representative at Mechanics bank and we came up with a payment plan. Long story short they did not honor that plan because they said it was " ineligible '' a few days later AFTER I planned my finances around that plan. Now I got a hit on my credit that dropped my score XXXX points because they refused to honor their own plan.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX Account Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed the company by letter several times over the last several months of fraudulent use of my credit and requested they remove inquiries from an attempted purchase. To date I have not received a response and the inquiries still remain.
Product: Credit reporting or other personal consumer reports

Can not get into my experian account need to reset password but they only provide old phone number to reset
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there are incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX, GA XXXX The INCORRECT Names that should be deleted are XXXX, XXXX, XXXX and there is XXXX, XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

On XX/XX/2020, I opened a new checking and savings account with Huntington Bank in the branch with a banker named XXXX. Before I left the branch, I deposited {$400.00} in cash. 
On Monday XX/XX/2020, I activated my XXXX service through the mobile app. I received a payment from my Mom in the amount of {$670.00} for my rent. A coworker of mine purchased a phone case for me and I needed to pay her back. The recipient also banks with Huntington Bank and she activated her XXXX service through her mobile app as well. I sent her a XXXX payment for {$6.00}. 

Later that evening, I tried to log into my account via the mobile app and was told that there was suspicious activity on my account and I needed to change my password. I attempted to change my password 3 times and received an error on all 3 attempts. I was then sent an email stating that my XXXX payment for {$6.00} was suspicious and I needed to call in to reset my password. 

On XX/XX/2020 I spoke with customer service and was advised that my account was suspended/on hold until I went into the branch and verified my identity. I went to the branch at XXXX EST and provided a copy of my ID to XXXX and was told the hold should be cleared. I called customer service back at XXXX and was told there was no updates about when my account would be cleared. I asked why over {$1000.00} was being held when there was only a suspicious transaction amount of {$6.00}. They could not provide me with an answer. 

As a result of this hold, I am not able to pay my rent, and in addition to the limited funds I have as a result of the pandemic I am being severely aggrieved by the situation. I advised this to the customer service team on my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXXXXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX 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 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.