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

I am submitting this formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove inaccurate addresses from my credit report. As a consumer, I have the legal right under 15 U.S. CXXXXe XXXXi to dispute and have inaccurate, incomplete, or unverifiable information removed from my credit file. 

The inaccurate addresses in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX # XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX I have formally disputed the incorrect addresses with TransUnion and provided supporting documentation verifying my correct and current address. Despite my request, the bureau has failed to correct or remove these inaccuracies within the XXXX  day timeframe required by the FCRA. Their failure to take corrective action is a direct violation of my rights and is causing undue harm to my credit profile. 

I request the CFPBs immediate intervention to enforce compliance with federal law and ensure that these incorrect addresses are permanently removed from my credit report. I also ask that the credit bureau be held accountable for their failure to uphold consumer protection regulations.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/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 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 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 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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the accounts listed below still remain on my credit report inviolation of XXXX XXXX. Equifax has failed to comply with Fair Credit Reporting Act, XXXX sections XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if Equifax investigated properly before posting derogatory information. Please delete the following accounts : ( XXXX, XXXX XXXX, XXXX OF XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Mortgage

I bought my home XX/XX/XXXX in Florida while going through a ruff time in my life. I was XXXX to XXXX in XX/XX/XXXX-XX/XX/XXXX. While XXXX i received missed payment on my credit report in which was not supposed to happen while being XXXX in the military overseas. My mortgage got behind while i was XXXX due to my ex wife was taking my pay but not paying my mortgage. When I return needless to say I got a divorce, had to pay almost {$8000.00} and then come to find out the next month BB & T wanted more money or they would start foreclosure proceedings, problem was, ex wife took most and then the rest was paid to BB & T. I attempted to work out a deal with BB & T numerous time but to a dead end. I had to hire 2 different law firms and make payments every month now for almost 3 years in which could 've been money on my home and not lawyers. When I got a divorce the Judge awarded me my home % 100 and my ex wife was NOT on my deed. BB & T was going to give me a modification but wanted my ex wife to sign as well but she refused being she was remarried and wanted nothing to do with me or my home so BB & T backed out and over a year later Im still dealing with this. As a XXXX veteran I have served honorably this country, and it hurts to have The Big Companies in America such as BB & T take advantage of veterans in this deceitful way, I have much more proof that my lawyers will be presenting soon but i wanted to warn my fellow veterans to be mindful and careful when doing business with BB & T.
Product: Credit card

I have a creditor by the name of Citibank I 'm currently 15 days past due to pay my credit card and they continue to call me during unauthorized hours. 

Today Sunday XXXX XXXX 2015 I have received XXXX calls from CitiBank attempting to collect the past due balance. 

First call XXXX Second Call : XXXX I have told them numerous times currently and in the past that this is illegal and harassment to be calling me on a Sunday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a dispute on my credit for a numerous of charges and accounts Im not familiar with such as and In accordance with the fair credit reporting act has violated my rights an XXXX XXXX account for the amount 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am unfamiliar with all of the following transactions and would like for all of these to be examined and removed. 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: Credit reporting or other personal consumer reports

Please remove inquiries off my credit profile from XXXX, XXXX XXXX and Equifax immediately! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I requested details for the notice sent by this organization. No response from them. I assuming this is a scam organization. 

They did not reply to my letter. 

Attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Creditor reports account was charged off but never sent a XXXX cancellation of debt form. This account is inaccurate and needs to be removed. 
I do not recognize how this account is reporting on my credit report. I don't the account number, I don't recognize the account status and I don't recognize the account high balance nor do i recognize the late payments associated with it everything reported does not meet the FCRA.
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 
Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Repossessions {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX TO : Consumer Financial Protection Bureau, United States of America FROM : XXXX XXXX. XXXX XXXX : Experian Credit Report XXXX CA XXXX XXXX XXXX XXXX Account # XXXX Dear Friends of the Consumer Financial Protection Bureau. 

I object and take issue with Experian Credit Reports Membership program. 

On or about XX/XX/XXXX, I requested a free credit report. I agreed to a charge of about {$1.00}. 

As of XX/XX/XXXX, I discovered that Visa charged my credit card in the amount of {$22.00}. I discovered that I had agreed as of XX/XX/XXXX, to not only pay {$1.00} for the initial free credit report, but that I was to be enrolled in XXXX XXXX XXXX, wherein my Visa credit card would be charged {$22.00} as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and every month thereafter. 

I called VISA and objected to the XXXX  XXXX XXXX   for the following reasons : 1. I did not KNOWINGLY agree to Experians reoccurring membership program / fee of {$22.00} ; 2. The {$22.00} reoccurring fee was NOT clearly disclosed ; 3. The Nature of the unending reoccurring fee charge was not disclosed ; 4. Experian as a Fiduciary breached its duty to the public of conducting a fraudulent and misleading business practice. 

I called Experian ( i.e., XXXX, XXXX, XXXX and XXXX ) ( XX/XX/XXXX ) : 1.0 Experian agreed to cancel my membership 2.0 Experian agreed to refund only one ( 1 ) of three membership fees 3.0 Experian rejected my request of full fee recovery 4.0 XXXX ( Experian Membership ) failed to refer me to US CFPB upon my specific request for further review and appeal. 

I respectfully request that all prior Membership fees be credited to my Visa Account. I request confirmation that Experian has in fact cancelled my Membership program. I ask the US CFBP to seek an injunction on Experian to immediately cease its fraudulent business program and seek restitution to the millions of American who may have succumbed to Experians fraud. 

With Respect, XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX XX/XX/XXXX Last XXXX of social XXXX Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintain. I received a response stating that the accounts were verified. 
I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is require. to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

XXXX. Account XXXX XXXX  XXXX Account number : XXXX Per the FCRA you are required to provide this information within 5-10 Days or delete the negative items from my credit
Product: Credit reporting or other personal consumer reports

I discovered that several closed accounts are being inaccurately reported on my credit report with Equifax. These accounts contain inconsistencies, such as incorrect dates, balances, or statuses, which do not align with my records. Under the Fair Credit Reporting Act ( FCRA ) 1681i and XXXX XXXX compliance guidelines, all reported information must be accurate, complete, and verifiable. I submitted a formal dispute requesting the removal of these accounts due to these inaccuracies. However, Equifax has yet to properly correct or remove these items, which is negatively impacting my credit profile.
Product: Mortgage

Wells Fargo foreclosed my duplex and the {$140000.00} + cash payments I mailed to somebody from 1987 - until Wells Fargo returned XXXX checks in a row When I had really missed only XXXX payment trying to figure out what was going on they set a sale date. I was able to cancel the first XXXX. 
They repeatedly called a 'postponement ' The modification offered was for more money and higher payments We attempted to extend the term to reduce the payment but we mailed payments anyway -all were returned Filed bankruptcy they were granted relief Attorney valued property at XXXX. 
{$130000.00} paid - {$53000.00} balance is {$78000.00} I was able to reduce the insurance by {$260.00} ( {$110.00} refunded to them ) Wells Fargo returned my last payment after they received the insurance refund Reported {$62000.00} market value and {$53000.00} 'balance to the IRS I provided my XXXX lease agreements of over {$1000.00} They sold it a year later with a {$91000.00} mortgage. 
( I believe the remaining balance is included in the modification on my house my taxes and insurance have increased to about the amount due on the duplex -? 
My house mortgage continues to increase. 
I also believe adjustments have been made to the balance with money going to a different lender ( XXXX XXXX XXXX mortgage ) on another property I already paid off The way I see it Wells Fargo owes me {$91000.00} I paid to escrow as MY proceeds {$78000.00} -the amount I paid over the mortgage balance - the value And {$62000.00} the value reported to the IRS. - ( and my rental loss since foreclosure )
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. if you are unable to provide me a copy of verifiable proof within XXXX days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I had to put a security alert on my credit file because I was a victim of fraud while on XXXX. On Wednesday, XX/XX/XXXX, I applied for an XXXX credit card. However, they said that my phone number was not listed on my credit file and was instructed to call Experian to update my number. I called them on the same day above and the agent said he added my number ( XXXX ) to my file. I called XXXX to let them know that I updated the info but on verification one of the digits was incorrect. He said the first digit was incorrect. This means that the agent input the incorrect number. I called Experian the same time and they kept telling me that is updated even though XXXX told me that the information did not match. They advised me to send in a copy of my social security card with proof of my address ( my energy bill ). They told me to upload the information online but their online portal did not work. I was advised to mail it in which I did on Friday, XX/XX/XXXX. I called the following week and they said they had not received it. I kept on getting a run around from the agency about updating my information. For most services now I am being denied. I went to XXXX   XXXX XXXX to open an account and I had to head back home to get a physical copy of my SSN because of the phone number problem. Just day I went to XXXX to get service and the phone number is still an issue. I can not deal with Experian customer service because they have agents from XXXX who do not know English language and they are not inputting the correct information into consumers ' profiles. That is where my information got messed.
Product: Debt collection

Dear representative, I sent a debt validation letter two times in XXXX and one time on XX/XX/XXXX and each time this company failed oto validate my debt. 

I also contacted them numerous times via email to say that this debt is being incorrectly being reported on my credit report under a tottaly differnet name then my name. 

Sincerely, XXXX
Product: Debt collection

XXXX XXXX XXXX ( company ) on behalf of Galaxy International Purchasing , LLC filed a small claims case against me on XX/XX/XXXX with the XXXX XXXX XXXX. I appeared on XX/XX/XXXX as required and informed the judge that I had already entered into a stipulation payment plan with the company which the attorney for the company was unaware of. The judge ordered the company to provide the signed stipulation payment plan to the court within 60 days and closed the case, which the company violated the judges order and did not file with the court within 60 days. At that time, I notified the company that they were in violation of the court order and requested all payments to be stopped due to the violation. 

The beginning balance of the amount owed was {$7800.00}, I paid {$580.00} on the initial stipulation plan, did not make payments in XX/XX/XXXX and XX/XX/XXXX, due to the company 's court order violation and in XX/XX/XXXX, the company offered me a new payment plan which I promptly agreed up at {$140.00} per month and I have paid a total of {$290.00} for XX/XX/XXXX and XX/XX/XXXX. After making the payments mentioned above my balance should be {$6900.00}, but the company is stating that my balance is now {$7300.00} which is incorrect. The difference is {$380.00} more than the correct balance. I requested from the company to provide me with a reconciliation of the difference and a copy of the new stipulation payment plan that I agreed to online in XX/XX/XXXX, but the company has failed to provide either of my requests.