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

I have sent Trans Union numerous letters to get my personal information correct ... They will correct it and then place the information BACK on my credit report. 

I am demanding to have my work information removed from from my Trans Union credit report ( all 3 bureau reports )
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : XXXX.Confirmation of the corrections made to the disputed item. 

XXXX.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA. 

XXXX.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX BANK XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

The debt that this company is reporting is re-aged. According to the original creditor, the date the this debt first became delinquent is XXXX of XXXX. The collection agency has re-aged the debt on my credit report to show XXXX of XXXX as the first date of delinquency. This should have already fallen off of my report in XXXX of XXXX. I have informed the collection agency about my conversation with the original creditor and she told me that did n't matter. She received the debt in XXXX of XXXX and THAT is the date of delinquency according to her. This is a violation of the FCRA. Re-aging the account is illegal. A collection agency should be aware of this. I have disputed this with them and through the credit reporting agencies and they continue to refuse to remove this from my credit report. They are knowingly continuing to verify false information. Also, I paid this debt to the original creditor and they still refuse to even show it as paid.
Product: Credit reporting or other personal consumer reports

Please check the information concerning TransUnion data breach in attachments.
Product: Consumer Loan

CHASE AUTO MADE XXXX HARD INQUIRE ON MY CREDIT REPORT AND THEY NEED TO BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX 15 U.S.C. 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

XXXX XXXX XXXX XXXX XXXX, XXXX  {$15000.00} this item is reporting inaccurate on my credit report I have sent all requested supporting documents to support my claim I request that all inaccurate reporting items be blocked and removed immediately
Product: Credit reporting or other personal consumer reports

A request was submitted multiple times to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate, however I am not liable for this debt with XXXX XXXX XXXX for {$1200.00}. They did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2 by keeping this inaccurate account on my credit file. This company has no permission to report illegitimate details using my personal information pursuant to 15 USC 1681 4. 

After months of disputing, this account is still reporting inaccurate late payments well past the statute of limitations. This account has incorrect details reporting through different agencies regarding last payment dates and late payment history, which are false. 

For example, the collection account had been active for years in collection status, then in XXXX  marked up to 180 days past due, and then continued collection status thereafter. 

Furthermore, in XX/XX/2023 one or more credit reporting agencies have REMOVED this account from my credit file due to these violations and inaccurate reporting. I have seen this account only closed with other reporting agencies who have not validated this debt or details reporting, nor have provided me proof.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Bank account or service

On XX/XX/XXXX, I had a number of items presented to my checking account for payment. At the time the items were presented, I had an available account balance of {$290.00}. The following items were presented : {$30.00} {$30.00} {$20.00} {$100.00} {$440.00} I knew that there would not be sufficient funds to pay all items but at least the top four items to totaling {$180.00} would be covered since there was {$290.00} available in my account. 
The next morning, I received notification that I was charged three fees @ {$34.00} each. I called the bank to inquire why there were so many fees when there was enough money to cover XXXX out of XXXX items presented. I was told that the bank policy is to pay the largest item first then all items follow. I still disputed that because there was n't enough to cover that {$440.00} item. I told the rep that was an unfair practice designed to overcharge their clients. She could n't dispute and said sorry but there was nothing she can do.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX, XXXX, AND XXXX/XXXX  was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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 XXXX  days before the payment due date. XXXX XXXX, XXXX, XXXX, XXXX, AND XXXX/XXXX  never sent the periodic statement along with the disclosures from section 1637  ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States that 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 an 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 crime which antedates the report by more than 7 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

RE : Experian Credit Reporting Agency on XX/XX/2019 my Experian Credit Report Score was XXXX. I was excited as my XXXX was now at XXXX and my XXXX at XXXX. I've been working on bringing my credit scores up as I'm interested in buying a home. 

Experian has been promoting this XXXX XXXX product that analyzes your bank account and claims to boost your credit for bills you pay on time. I have several. So, I was excited about the possibility of a boost from XXXX perhaps into the XXXX where my XXXX score is. 

On XXXX, I entered my bank info -- confident about the payments I make regularly and looked forward to the so called " XXXX. '' Well, I was outraged to see within seconds that the " XXXX  '' was an all out " bust! '' With no reason given! My score dropped XXXX pts, instantly! I perused the site for an explanation -- could find nothing. Called their customer service number an automated " beat around the bush '' that takes you absolutely nowhere! I immediately removed the attached " XXXX '' feature from my Experian account as it was a wholehearted nightmare! Thankfully, my other scores have stayed in tact. I have no derogatory information on my Experian credit records that show/explain this sudden drop. This XXXX  so bad. It's horrible that they would do this to customers who are being responsible about their credit. I want this resolved ASAP. It compromises my ability to secure the best rates on loans, etc. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M SUBMITTING A COMPLAINT REGUARDING MY XXXX XXXX  ACCOUNT WITH RECENT LATE PAYMENTS REPORTING FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, AND I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS AND BECAUSE OF XXXX XXXX AND THE HEROES ACT THIS HAVE NOT SHOULD BEEN REPORTED. 


I'M SUBMITTING A COMPLAINT REGUARDING MY XXXX XXXX XXXX ACCOUNT WITH RECENT LATE PAYMENTS REPORTING FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, AND I DONT RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS AND BECAUSE OF XXXX XXXX AND THE HEROES ACT THIS SHOULD HAVE NOT BEEN REPORTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Rights Violated Under Fair Credit Act ( 15 U.S.C. 1681 & 1666b ) Account Number XXXX I hope this message finds you well. I am writing to bring to your attention that my rights, as outlined under the Fair Credit Reporting Act ( FCRA ), have been violated. 

Specifically, I believe violations have occurred under the following sections of the FCRA : 15 U.S.C. 1681 Section 602 : This section addresses the requirements for consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information provided in consumer reports.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This section pertains to the limitations on the disclosure of consumer reports to authorized parties.

15 U.S.C. 1666b : This section covers the requirements for credit card issuers to provide clear and timely disclosures of important credit card terms to consumers.

I kindly request your attention to this matter, and I am eager to discuss the details further to resolve the issue promptly and amicably. It is my utmost priority to ensure that my rights are protected under the Fair Credit Reporting Act.
Product: Debt collection

Called the company XXXX XXXX XXXX XXXX ) and stated my name, and explained that I have not ever, nor will I ever now, had an account with them. The car, and the social security number both belonged to my father, of the SAME NAME. Explained to them the age difference, my birth date and my social security number. Denied by the debt collector, the company at fault, and experian for a dispute. It is not corrupting my credit and FICO score. And it needs to be remedied immediately. If you look at my date of birth, and my social security, a middle school student could understand that the debt incurred does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
we'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 block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX, TRANS UNION, XXXX willfully continues to violate the FCRA by reporting Transactions on my report. law 15 USC 1681a ( d ) ( 2 ) ( i ) clearly states that transactions between consumer and the person/ corporation making the report are not included on the consumer reports, but yet XXXX continues to break the law willfully and report the transactions on my consumer reports. 

From what the Law states you are in VIOLATION OF THE FCRA XXXX XXXX COMPLIANCE And reporting violations. 

15 USC 1681a ( d ) ( 2 ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX Re : XXXX XXXX XXXX XXXX XXXX Check Number XXXX {$5500.00} Below are the series of events : Check number XXXX for {$5500.00} to XXXX XXXX XXXX XX/XX/2021 was deposited by XXXX XXXX XX/XX/2021 XXXX 
In error the check was processed again on XX/XX/2021 by XXXX XXXX and cleared XX/XX/2021 through my account a second time. I was refunded {$5500.00} by XXXX Bank on XX/XX/2021 regarding the duplication error of processing the same check twice. I believe that when the duplication was corrected when XXXX XXXX received the correction, they did not account for the fact there was XXXX purchase by me and they received XXXX credits for that XXXX purchase. Their bookkeeping saw it as a charge back for goods. I was then reported to XXXX checks by XXXX XXXX I was reported to Telecheck by XXXX XXXX claiming they did not receive payment. I am advocating for myself as I am a senior and not being able to write checks in our small community is causing stress and undue hardship I have reached out to XXXX XXXX and Telecheck several times regarding this matter, and nothing has been done. 
I Included the copies of check XXXX being processed twice through the account, bank statements that show the actual transaction that have happened. 
I have sent all the documentation to get my name off telecheck. This has been over a year when I did nothing but pay my bill to XXXX XXXX and due to there error I am unable to write check in my community.
Product: Credit card

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found an account on my credit report that was not open by me. This has been hurting me as I am in process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible. 


XXXX. XXXX. XX/XX/2018 XXXX
Product: Debt collection

I checked my credit report a few weeks ago and found multiple accounts listed as synchrony and reported them as fraud to experian. They contacted synchrony and they sent letters saying they were valid debts. 
I havent opened any accounts under the places they are reporting. I was locked out of my email address listed on the accounts they have, I havent lived at the address listed under the accounts, they do have my correct birthday, social, and at one point even had my banking information. I didnt monitor my bank account closely and when I seen the charges I closed it out since somebody was using my bank account. I contacted the companies and they said they didnt have any accounts under my name. Thought that was the end of it until I seen it listed as an unpaid debt on my report. They used the address for a property I am buying, but havent lived there for 4 years. I didnt receive anything in the mail for the debts. They refuse to listen and close out the accounts, and expect them to be paid for in full. There were also multiple addresses, variations of my name with wrong spelling, phone numbers, places I work I have been a XXXX for 13 years and some other questionable things. XXXX is working on what they can handle, but I need help getting the rest dealt with since I didnt open any accounts or even shop through the places listed.
Product: Checking or savings account

On approximately XX/XX/XXXX, I presented to this branch a death certificate and certificate of trust to name me as trustee. All documents were in order and this checking account has been with PNC since XX/XX/XXXX when it was acquired from National City Bank. Since then, going on 4 weeks now, I have been in the bank numerous times to inquire about this account as they have been holding funds in excess of {$68000.00} XXXX with no end in sight. All bank employees, including the manager, state there is nothing they can do until headquarters acts. I have not received one phone call or communication regarding the delay. The manager and employees have " heard '' they are trying to find the original signature card from 20 years ago at another bank when this is completely moot. I am now the trustee as named in the trust document that they have had for over ten years and they now should only require my signature. Just today, the manager told me he would call HQ and call me back and he never did. I am demanding the release of my funds from this bank immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows two hard inquiries dated XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX for a mortgage. I do not and have not had a mortgage through XXXX XXXX XXXX XXXX. My mortgage is and has been through XXXX XXXX. I have sent dispute letters to TransUnion requesting this information be removed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The organization refuses to remove the inaccurate items from my credit report. I called the customer service number on XX/XX/XXXX, was on hold for 45 minutes, and then was disconnected.
Product: Vehicle loan or lease

On XX/XX/year> a buyers order placed by me, with XXXX XXXX dealership on behalf Westlake Financial services for a product that costed XXXX. However, I never received a legal contract for this exchange from Westlake Financial Services. This buyer order does not mention an auto loan. It also does mention nor clearly explain any interest rates on the security neither the formula of the interest rate. It seems like the rates are accruing by the day instead of by the month, and that was not explained to me nor on the buyers order at any point before the transaction. Im not sure if the interest rate is charged against the products sales price only ( {$14000.00} ) or is it against the total price including additional fees of {$3300.00}. Therefore, as the interest accumulates I have no idea how much the total cost would come out to be. The end cost and the fixed time period is not noted on this buyers order as well. 

I noticed that the monthly insurance was not calculated into the total cost either ; its not mentioned on the buyers order. Also, I was over charged for the registration and title at {$400.00} when in NY, the fee is $ XXXX {$120.00}. Overall, this is not a legal contract. Not to mention that XXXX XXXX XXXX XXXX is not registered in my state, which is New York, where the exchange took place. 

I have issued an affidavit of truth and a rescission letter to cancel this transaction and receive my payments back in full, including all interest, plus {$1000.00} for each broken consumer transaction law. This is not a legal consumer transaction and I want to return to our pre-contractual position along with a full reimbursement.