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

I have disputed several times with the Credit bureau in regards 2 student loans that does not have the complete account number but were on my report as charged off and collection. After several letters asking them to please provide prof that those account belong to me TransUnion is the only bureau still have negative information on my credit report. I reach out department of education and ask about these accounts, they could not verify the account and ask for letter that TransUnion asked to get from Creditor but they could not provide any since no accounts were related to me. Went back with TransUnion and their agent are the worst customer service even when I ask for a supervisor to ask for a complete account number but they would not give it to me I log in online and the account is incomplete, received a report still incomplete. How they could verify and have these accounts if they are not complete and is been causing damage to my life.
Product: Checking or savings account

Late at night on XX/XX/XXXX in XXXX Maryland I lost my debit cards. TD Bank and XXXX  XXXX. Once I got back to my college, probably 2 hours after losing my cards, I checked my wallet and saw they were  missing. I immediately froze my XXXX  XXXX card and checked and saw no fraudulent purchases or withdrawals. I then checked my TD account and saw XXXX dollars in withdrawals. The person withdrew my limit of XXXX on XXXX and then waited until after midnight to withdraw more money from the account. There are also several balance inquiries. I was charged a non-TD atm fee for all of this. I immediately called TD to freeze the card and wanted to dispute the transactions. I was told to wait until the transactions posted. That tuesday XXXX the withdrawals went through on my account and I immediately called to file the dispute. On Friday XX/XX/18 I called my bank as I received no notice and they told me the dispute was denied. They claimed there were no incorrect PIN enters and that was their reasoning. I have now filed a police report and will go down to the TD branch in XXXX to refile the dispute with the report attached. I told them I should be responsible for only XXXX dollars but they keep claiming it is on me and has cited ignorance as reasoning as well as going back to the PIN code, even though I believe it may have been obtained through shoulder surfing, as I did make an ATM withdrawal with my XXXX XXXX card and that has the same PIN as my TD card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times with the 3 major credit bureaus. XXXX, Equifax, and XXXX. 

I disputed XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, as well as XXXX XXXX. I have informed them several times that these accounts were not mines. I even sent in a police report as well. They did not respond. I also reached out to the creditors as well and I was informed that they found the accounts to be fraudulent. The credit bureaus have still refused to delete these items. I need these items deleted as soon as possible. 

Also I have contacted them with the over and abundance amount of inquiries on my reports that I did not authorize or even do myself. I need them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent inquiries on my report. I did not authorize all of these inquiries. Below is a list of the inquiries on XXXX, XXXX and Equifax. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Mortgage

Received notices in the mail from our homeowners and flood insurance companies that the policies had not been paid by the XX/XX/XXXX deadlines and the policies had expired. I called Angel Oak to discuss the matter and spoke with XXXX on XX/XX/XXXX. She acknowledged that the policies had not beed paid out of escrow because they had to " work out the kinks '' in their new system and she had only received " training yesterday '' on how to make payments. She acknowledged that Angel Oak was aware it was not making payments out of escrow even though they were due, and hadn't notified customers. I asked her to send me confirmation of payment as soon as possible, as well as have someone call and explain how they were unable to make payments due to a " new system ''. As of today XX/XX/XXXX, they haven't made payments on the policies, provided evidence payments were made, or contacted me with any explanation. I've had to pay the policies myself, and hope for a refund if and when they pay them.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$710.00} XXXX XXXX  XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

LIGHTSTREAM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I did report to all three Credit bureau and show each one the documentation about identity theft now I have so many different things on my credit report that I didnt put on there and in accurate information that I did not do and I have no knowledge of
Product: Credit reporting or other personal consumer reports

Equifax has an address listed that is not mine I have requested this to be removed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX is not my address and has never been. This address was deleted from my XXXX account as well as XXXX but Equifax is still reporting it for some reason. Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX stating that my credit had changed. I saw three of my credit cards listed, including two XXXX XXXX accounts and XXXX XXXX XXXX account. The reason for my score dropping so many points is that Transunion is incorrectly reporting two of my accounts. Their inaccurate report states that I owe {$800.00}, and my credit limit is only {$1000.00}, when in fact, my credit limit is {$1500.00}. Also, they are showing my XXXX XXXX account as owing {$290.00}, when in fact, I only owe {$51.00} total balance.
Product: Debt collection

This company keeps unrelentingly calling me daily and sometimes multiple times a day. It has been over a year. They claim I have debt or mortgage due but it is not my debt or mortgage and they have not proven it was mine. I have asked them to stop contacting me and calling me but they continue. I have been threatened that I will be arrested if I do not follow instructions. I have blocked their number but the company keeps calling me under multiple numbers! Blocking them does not help. Please tell them this is harassment and to remove me completely off their call list.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard inquiries have been showing up on my bureau reports without my written authorizationXXXX XXXX XXXX JP Morgan Chase, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all companies that I did not authorize to pull a hard inquiry from the credit bureaus. The pre-qualifications were said to be 'soft inquiries '. There were no actual applications authorized. The soft inquiry from XXXX XXXX prequalification for an auto was authorized for XXXX ONE time, not 3 times and not to share information or private data with the other two credit bureaus at all. 
I have asked several time for all to be removed to no avail.
Product: Debt collection

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX  XXXX showing on my credit report. I therefore request that you immediately remove these account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete this item as soon as possible : XXXX XXXX XXXX  XXXX  XXXX Date Opened : XX/XX/21 Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

Good afternoon, Recently, I applied for a loan, and I was denied. I inquired as to why this happened, and I was told I have an outstanding XXXX XXXX with Amscot. I have not taken out a cash advance with amscot in well over XXXX years. It is effecting my credit, and it is preventing me from getting loans and credit cards anywhere. Can you please assist me in correcting this issue? 

Thanks, XXXX XXXX
Product: Debt collection

This debt was already paid, however it was n't mine, and it 's on all XXXX of my credit bureaus saying it was a paid collection. They never removed it! A {$96.00} debt!!!! Seriously?!!!
Product: Debt collection

We continually receive recorded phone calls from XXXX XXXX XXXX XXXX at our home phone, about every other day. We do not want to return the call because it sounds like a scam.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion regarding their handling of my identity theft case. I was a victim of identity theft as a result of the XXXX and XXXX data breaches. My personal information was unlawfully accessed and used, resulting in significant harm and complications to my credit profile. Under federal law, specifically 15 U.S.C. 1681c-2 ( a ), I have the right to request that credit reporting agencies block any information on my credit report that resulted from identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Per attached letters from XXXX my account was only XXXX time XXXX,XXXX,XXXX,XXXX,XXXX,XXXX late and XXXX XXXX was open from XX/XX/XXXX to XX/XX/XXXX. Per the attached credit report neither of these accounts are reporting as their letters state.
Product: Money transfer, virtual currency, or money service

2021 we lost my husband to XXXX he was a main financial provider I was there for XXXX little ones I have been struggling to keep everything going I was a stay at home mom I have transition to a full-time even XXXX jobs XXXX kids been having some issues with my account I always make right on my account my accounts are both now in good standing I called in to ask how I was able to put in cash into my account and to assure that all funds will be available because that amount was going to my landlord who also has been helping and understanding but made it very clear that if I did not get in this last payment that he was going to go ahead and process the 48 hours for us to get out I dont have any family here I called in I asked I explained the importance of these funds and I was instructed step-by-step to obtain a money order that is a shared funds and that if it was under {$500.00} there would be no hold because it was a money order and then I would be good to go I again reminded him of the importance of this money being available immediately I went over step-by-step with him to make sure I had the complete understanding he reassured me that yes a {$350.00} money order deposited into the account would be immediately available and there would be no reason to be put on hold a hint he reassured me several times I did use that and the amount was put on hold now I can not pay my payment arrangement when I talked to the resolution specialist she flat out told me she was declining lifting the hold because I had a charge off account which in fact I called and took care of a balance because they wouldnt let me open and account a new one without paying all the other account off so I made a payment I paid it off and got a new checking account now theyre telling me that I owe them more money Id never received anything that couldve been meals fault which ever but when I ask why did you let me open an account she said well sometimes the online doesnt tell you Ive been assured her again I talk to somebody and made the payment no answer is no explanations on how I got a new account with owing them money and it because they were been some insufficient funds in my account in the last 90 days thats why shes not releasing the hold I then proceeded to tell her it is very obvious and evident that I am having financial issues so there again I am penalized because I am having financial issues but yeah both of my accounts are in good standing so therefore I make right and I was told by a representative exactly what to do and it was wrong so Im penalized for that and refused to fix. Every person I spoke to and told the story to proceeded to try to tell me how to budget which I worked at a bank before youre specifically not supposed to give financial advice however they dont have all the facts of how and why Im in the situation that I made it has nothing to do with budgeting the information was given to me was incorrect and they refused to fix it.
Product: Debt collection

I received a letter in the mail from XXXX, XXXX calming that I owe a " Elan Financial '' {$1000.00} which seems to be for some sort of credit card. I looked at the account # on the letter which totals up/ looks like a credit card ( working in banking/finance I have experience with recognizing what these sorts of accounts look like ) First and foremost, the letter is addressed to simply " XXXX '' with my address, claiming they can offer me some sort of settlement offer if I oblige and pay them 50 % of alleged balance. 

I reached out to organization which more than likely purchased debt from " Elan Financial '' for proof that this debt belongs to me, with no response, so I am reaching out to the CFPB with the intent to have this completely removed/ taken care of, and prevent this from hitting the 3 major credit bureaus.

Im not sure if XXXX has my social security #, but at this point, I do not want to take the chance and wait around to find out. Especially for an amount that large, considering they have my current mailing address. 

Kind regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed these inaccurate accounts below and XXXX and XXXX to be specific keep sending me and my husband computer generated stall letters which i will attach basically stating they will not investigate my disputes because they assume i didn't authorize these disputes which is false and preventing housing and job opportunities for me and my family which is damaging on so many levels which is negligent and noncompliance with the Fair Credit Reporting Act ( FCRA ). I have XXXX of the same account reporting on my XXXX with no name attached which is completely inaccurate in itself. Under 15 U.S. code 1681 ( e ) ( b ) and U.S code 1681 ( i ) these accounts are in violation and not reporting 100 percent accurate. Under 15 U.S code 1666 ( b ) Billing error i always paid as agreed and never late. 

Accounts Being Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into several inaccurate items on my credit report. The specific items in question are as follows : XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX Additionally, I disputed a public record entry : Court Name : XXXX XXXX XXXX  Reference Number : XXXX In my dispute letter, I specifically requested the following information. How Equifax verified the accounts and public record disputed on my credit report. The date when Equifax contacted the creditor and furnisher. Contact information of the creditor and the furnisher. The name of the person who verified the accounts and public record in question. The method of verification used to verify the account and the public record. Whether the furnisher and creditor provided my Social Security Number and Date of Birth. To support my dispute and verify my identity, I included copies of my photo ID, Social Security card, and a recent bill with my current address. Despite providing this information, I did not receive a response back from Equifax with the investigation results. According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the completeness or accuracy of any item in their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Equifax has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the FCRA. I request the Consumer Financial Protection Bureau ( CFPB ) to intervene to ensure that my consumer rights are not violated. Specifically, I ask that the CFPB requires Equifax to conduct a comprehensive investigation of the disputed items on my credit report, ensure Equifax provides the detailed verification information as requested and mandate that Equifax correct any inaccuracies found in my credit report.
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 fedrally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX  account # XXXX XXXX $ reported XXXX XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX $ reported XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX $ reported XX/XX/ XXXX XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXXXXXX XXXX account # XXXX reported XX/XX/ XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX account # XXXX XXXX $ reported XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX $ reported XX/XX/ XXXX XXXX XXXX  acct # XXXX XXXX $ reported XXXXXXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/ XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/ XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX $ report XX/XX/ XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX $ XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX report XX/XX/202XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX $ report XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX $ report XXXX XXXX XXXX XXXX   XXXX XXXX account # XXXX XXXX $ report XX/XX/ XXXX XXXX XXXXXXXX account # XXXX XXXX $ report XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX account # XXXX XXXX $ report XX/XX/202XXXX XXXX XXXXXXXXXXXX XXXX account # XXXX XXXX $ report XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX $ report XXXX XXXX XXXX XXXX account # XXXX XXXX $ XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section604 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 ) ( 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 beleieve that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct this erroneous account being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up on my previous complaints and letters I submitted on XX/XX/XXXX, and to inform them that I am halfway through taking legal action and suing the Credit Bureaus for their willful non-compliance with the FCRA statute. Only if Experian chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX