23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My name is XXXX XXXX XXXX ( not XXXX ), I have NEVER lived in XXXX, XXXX, and my current employer for the last 9 1/2 years is NOT XXXX, obviously since I have lived in XXXX for 9 1/2 years, my current job for the last 9 1/2 yrs is XXXX XXXX, where I have maintained a job in this same profession for over 20 yrs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening I would Like to file a formal complaint on Transunion I have asked them about 3 times to investigate And remove incorrect reporting on my credit report But they fail to do so. there are a lot of major Violation on Transunion behave.. fcra says each account must be reported 100 % accurate CFPB I WOULD like to point out a few Violation on Transunion behalf XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX No account number Incomplete info Please delete This account asap This account Is showing a pass due balance per FCRA No closed accounts should show a Monthly payment Transunion Remove this account ASAP OR I WILL FILE A LAWSUIT FOR FCRA Violations
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 XXXX XXXX XXXX. 
XXXX. XXXX XXXX {$220.00} acct # XXXX XXXX. XXXX Bank {$820.00} acct # XXXX XXXX. XXXX XXXX XXXX {$8100.00} acct # XXXX XXXX. XXXX XXXX XXXX {$18000.00} acct # XXXX XXXX. XXXX XXXX {$1000.00} acct # XXXX XXXX. XXXX XXXX {$140.00} acct # XXXX XXXX. XXXX XXXX XXXX1300.00} acct # XXXX XXXX XXXX XXXX {$110.00} acct # XXXX XXXX. XXXX. XXXX {$250.00} acct # XXXX XXXX. XXXX XXXX XXXX {$950.00} acct # XXXX XXXX. XXXX XXXX XXXX {$570.00} acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has put a random fraud alert that I did not request, because I was questioning what was on my consumer report.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting XXXX XXXX Account # XXXX balance {$640.00}, XXXX XXXX # XXXX Balance {$170.00}, XXXX XXXX XXXX Balance {$7600.00}, XXXX XXXX XXXXXXXX XXXX XXXX # Balance {$4000.00} XXXX XXXX # XXXXBalance {$3500.00} XXXXXXXX XXXX XXXX XXXX Balance {$11000.00} has violated my rights. 
XXXX - XXXXXXXX XXXX XXXX XXXX Balance {$5500.00} XXXX XXXX XXXX Balance {$8200.00} 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. 

I told Experian, XXXX, and XXXX to reinvestigate the above listed accounts : 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.

According to 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: Debt collection

I recieved a letter stating that I oww {$340.00} to Dynamic Recovery Solutions because of an original creditor XXXX. I have never owned a sprint account. I checked my credit report and nothing is on there from a XXXX or any other negitivie items. I never gave out my information or had this so called account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I wrote three letters, one to each of the reporting agencies, XXXX, Equifax, and XXXX. In each of the letters I listed inaccurate addresses, accounts and names that did not belong top me or that were not being reported accurately. By law we all know that any accounts reported on my consumer report must be reported accurately and fairly or else it is subjected to being deleted from my consumer report. Attached are the letters that I mailed to each reporting agency. I also sent out re-investigation letters XX/XX/21 in attempt for the agencies to actually do their job and do an actual investigation and correction of the items that I asked them to verify. I expect these items to be deleted and corrected on my report, I've spent much time in going over my report and recognizing these mistakes on your part, the least that your company can do is correct them. Ive attached the letters sent on XX/XX/21 and pictures and the actual reinvestigation letters sent on XX/XX/21.
Product: Debt collection

XXXX XXXX used unallowed tactics to drive up late fees and reinstatement fees for several months. 
We do not owe XXXX XXXX anything, they owe us {$250.00}. They used a fraud tactic to produce these false charges. The account was on automatic monthly pay by credit card, but the last few months before cancelling XXXX XXXX, the company began dropping our automatic payment, leavening late fees and reconnection fee. Each time I contacted to inquire about the issue they had the credit card on file still and promised to remove the charges but instead began charging the credit card for the late fees. The fees were disputed and each time they promised to reverse them. They began calling me at all hours of the night. Started not paying the fees and that is what they are pursuing, the illegitimate fees charges thru what I believe is fraud tactics. Have found other customers that the same tactic was being applied. Several credit agencies have tried to collect, but request cease and desist and relayed the issue. Each agency never contacted me again. This is now harassment and purposely destroying my credit. 
Is there no solution available to stop XXXX XXXX from harassing me? I am elderly and XXXX on limited income and feel it is becoming elderly abuse.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE FOLLOWING ACCOUNTS, QUICK CREDIT # XXXX XXXX Form XXXX was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Product: Credit reporting

Incorrect information on late payment by XXXX was not corrected by EXperian as requested by XXXX. XXXX requested that each of the consumer reporting agencies to : " Delete the delinquencies from my credit report '' XXXX did as requested but Experian and XXXX have not. This is my second complaint on this subject.
Product: Debt collection

I was coerced at the courthouse by their defense Lawer. I show her my name was different from the on the statement, they had the corporation name all CAPITAL my Birth Certificate is Up and Lower Case, I have corrected my status. And they request me to pay them and trying to take me back to court but I'm not under their jurisdiction no more and I'll like my funds back dude to the fact Banks can't loan money so where did it come from my SS and Signature.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Experian was notified via dispute letter that the account XXXX  XXXX is inaccurately reporting a 30-day late payment status, despite no such delinquency being reflected in the payment history. Furthermore, Experian was informed that the company stated that this account was never late, and I have attached the correspondence from the company. It is contradictory to claim that the account was 30 days late. This is a clear and erroneous reporting error that must be corrected immediately. Failure to do so will result in this matter being escalated to the Attorney General for further action. I am fully aware of my consumer rights under the FCRA, and I understand that each violation carries a statutory penalty of {$1000.00} should I choose to pursue monetary relief. I have attached my dispute letter ( dated and time-stamped ) along with supporting documentation demonstrating this erroneous reporting. I urge you to reference XXXXXXXX XXXX XXXXXXXX and promptly correct this error before further legal action is necessary. According to 15 U.S. Code 1681a, 15 U.S. Code 1681a1, and 15 U.S. Code 1666b, the reporting of these late payments violates my consumer rights.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNT : XXXX XXXX.
Product: Debt collection

No proof of ownership Debt collector communications via phone text asked to stop communicates send proof of ownership debt validation communication after XXXX also
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated the Account ( s ) listed below had been properly investigation but this is clearly fraudulent in nature & clear impossible based on the following fact ( s ) : a. Open Date is inaccurate b. Date Last Active i*s inaccurate c. Date Last Reported is inaccurate d. Payment History is Inaccurate Account : XXXX XXXX : # XXXX - reported on Equifax Account : XXXX ( Original Creditor : XXXX  ) this account is XXXX XXXX same account reported on XXXX / XXXX This, is immediate grounds The United States Code ( s ) specifically outline regulations which the Credit Bureau ( s ) continue to grossly / negligently do their job for what appears for profit selling said information to vendor ( s ).

a. Violation # 1 : Under 15 U.S. Chapter : 1681 S. 604 A ( Section 2 ) : The law clearly defines that a said consumer reporting agency can not furnish i.e. any said account without incorrectly or without said written instructions.

b. 15 USC 1681 Section 611 ( 2 ) ( a ) : Law Specifically indicates is " any '' said information is found inaccurate or can not be verified the consumer reporting agency ( s ) shall promptly delete the information from the file of the consumer. 

See attached copies of Credit Reports numerous factual violations by all credit bureaus which have been updated/ verified to date. 

1. Document # 1 : Dated - XX/XX/XXXX Equifax 2. Document # 2 : Dated - XX/XX/XXXX XXXX & XXXX 3. Document # 3 : Dated - XX/XX/XXXX Equifax 4. Document # 4 : Dated XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed items with TransUnion under FCRA 611 ( a ) regarding erroneous items on my credit report. TransUnion claimed they verified the disputed items and did not remove them from my report or update them. The items I disputed are incorrect and should be removed or updated. Here is a list of the items I have disputed with TransUnion. 
These items should be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And this account should be updated to current, pays as agreed, never late - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : 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: Debt collection

The following account is not mine SALLIE MAE Account Number : XXXX**** Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

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 21 days before the payment due date. 
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 21 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: Debt collection

I have a credit account showing on my credit report from JPMCB ( chase ). This account is erroneous. I have disputed this account multiple times with the credit bureaus. Each attempt was unsuccessful. I contacted Chase by means of phone calls and written communication multiple times in an attempt to correct this incorrect mark. I had requested detailed information in writing to show how this could have ended up in my name. I had received nothing from the creditor nor any assistance at all. 

This erroneous account has negatively impacted my XXXX XXXX, effecting my financial standing and overall well-being. I am trying to buy a home and this incorrect information is causing my family great distress. 

Due to Chase, nor the credit bureaus willingness to assist with this problem, I am requesting an investigation by CFPB. I feel this is a grave violation of my rights.
Product: Debt collection

My recent credit report contains multiple accounts that I do not recognize or authorize. I request these fraudulent accounts be blocked and deleted immediately.
Product: Checking or savings account

On XX/XX/23 I deposited into the Wells Fargo ATM two checks. One was for the amount of {$16.00} and the other for {$260.00}. I inserted them both together and only the {$16.00} was credited to the checking account. I went inside to notify a teller of the mishap, she then gave me a number ( XXXX ) to make a claim for the error. When I returned home I called the said number. I spoke with a XXXX who said that she would put in a research claim and that they would contact me of their findings. I received a letter dated XX/XX/23 saying they're issuing a conditional credit while they research the matter. I saw the {$260.00} my my checking account so I didn't think anymore about it. I received another letter on XX/XX/23 stating that the money would then be taken from my account if I didn't get back with them by XX/XX/23. I had been trying to get a hold of the issuer of the check via phone and email but they weren't responding back to me. When doing my bank statement I noticed the {$260.00} was then deducted from my account. I contacted the claims department on XX/XX/23 and spoke with an XXXX and he didn't have a legitimate answer as to where the check went. How does it just disappear into thin air?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I received notification from the IRS saying that someone filed taxes in my name last year. This was also done for the year of 2016. I have alerted the credit bureau but they continue to report incorrect information. They have a bankruptcy listed as well as an XXXX account that showing lates and an XXXX account, XXXX which was closed many years ago and the other reporting 30 days late on an XXXX balance. I have disputed these items without success. I have documentation of the fraud, the letter from the bankruptcy court denying supplying any such information to the credit bureau. They are also showing incorrect personal information which I have disputed without success.
Product: Credit card

Syncrony continues to check my credit report without autorization. They continue to close accounts that are in good standing, they increase interest amounts even with a good payment history. They want to contiue to raise the credit interst without notifying me or addressing the problem. They are loan sharks-in America!!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX
Product: Debt collection

In the mail, I received a Warrant of Debt letter from Levy Law Firm Co. , LPA stating I had to appear in court for a medical collection. I was NEVER aware of this medical bill. It was never reported on my credit report. I will be showing up in court with my lawyer.
Product: Debt collection

In reviewing my credit report I noted a Loan in the amount of XXXX. As i investigated i found the amount of {$66.00} being paid by my credit card. I noted this payment went back to XXXX 2021. I send the credit card company that I work with all the information. I then called the actual payment credit loan company out of XXXX, ID. The company asked for my 16 digit account number or the Retailer where the Loan was made, but I can't get access to the account and the Retailer because I don't know the account number used or the retailer. I started working with XXXX  on this as well as the loan amount has brought down my credit score. I called my personal bank to see if they had information, that when I found the amount being paid from my credit card since 2021.
Product: Student loan

I had several conversation with AES/PHEAA regarding this loan, the reply from the company was a blank loan sheet. I've spoken to representatives stating " this is my loan and they have my signature attached to the loan agreement ", I requested the outline of the loan with my signature and was told due to the age of the loan everything was written instead of computerized so this was their only copy. Absolutely, does not make any sense! I've specifiied on many calls this loan is false and they're using previous loans that are already paid in full, and the account number for this is the same numbers used for the paid in full loans. XXXX will not provide me concrete information on this loan and stated " this will affect my credit report ''. The nursing school that's listed on this loan only stayed open for 2 years, criminal activity on Americans just trying to be successful in life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1200.00} Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX