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

Hello. 

On numerous occasions I requested Transunion to properly and fully validate the following accounts. They said they validated it as correct but I have proof that it is NOT. They are reporting INCORRECT and UNFACTUAL information on my report. By law, they have to report FULL and FACTUAL information.

I never gave them consent to report the following accounts. The other 2 bureaus are NOT reporting these accounts making this a lawful reason to remove. 

I am asking you to have Transunion to remove these accounts for the final time. I have been attempting to correct discrepancies on my report to no avail. If these accounts are not removed once and for all I will seek legal recourse.

I know my rights by law, and transunion is NOT obiding by them.

The following accounts I want removed from my Credit Report : XXXX XXXX XXXX XXXX XX/XX/XXXX Account number XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX
Product: Credit reporting 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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX  XXXX XXXX Account name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

You're in violation of the law! 

Until you can show me that you gave XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I demand that this data be removed. According to HIPPA, the health insurance portability and accountability act of 1966. I reserve the right to preserve my medical records, personal information, and privacy from all outside authorities. Send the proof to the address you have provided for me, please. The letter I'm asking to be delivered serves as confirmation, and I ask for all the information you got from the provider regarding the purported debt. 

FCRA is broken if you keep reporting this supposed medical debt without properly confirming it and showing me proof of my consent. You just have 30 days to delete this material, and if you don't, I'll start legal action.
Product: Student loan

To Whom it may concern On XX/XX/21, I applied for the XXXX loan forgiveness. My loan was through XXXX for approximately {$7000.00}. I am lacking proof and paperwork due to the fact that all correspondence was through a digital mailbox on the Fedloan website which no longer exists. After verifying my employment, it was deemed that I made 145 qualifying payments to my student loan. In XXXX, I was notified that the loan would be transferred to XXXX. A few weeks later, I was notified that the loan would not be transferred due to the fact the balance was now {$0.00} due to it being forgiven. Upon speaking to a representative at Fed loans on multiple occasions, I was told Iwould receive a refund for the 25 qualifying over payments made. I should expect the refunds in XXXX. It is now XXXX and no payments were refunded. I have been trying to contact FedLoans and the agency who took over to find out about the refund, but no working number exists. Even numbers that I was transferred to through XXXX and XXXX, no one has any leads for me to call to inquire or any loan information for me. I even called XXXX because I was at a loss of what to do. I am owed money and no one can help me get this refund. Please help me. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$770.00}.
Product: Debt or credit management

Worked with the company from XXXX. 
I paid for monthly services on top of hidden fees. 
The company removed items from my credit but after a few months the items would land back on my credit. 

When tried to cancel services unable to reach representatives. 

Very terrible service, and I would not recommend. 

I also asked to be removed from their mailing address and I still receive multiple emails frequently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX credit card through Comenity that I called to close over a year ago. Last week, I got a notification that XXXX XXXX had made a hard credit inquiry on me. I had no idea why until today - I received an unsolicited XXXX  XXXX Credit card through XXXX  XXXX, which is XXXX XXXX new provider. I called, and XXXX XXXX had no record of the account being cancelled. They say they can not remove the hard query ( which hit my credit score ), and that I also had to cancel the account again ( which will hit my score AGAIN ). I did not authorize any of this, and have had my score hit twice because of someone elses mistake. Please note that my last name is now XXXX, but the card was issued in my prior name ( XXXX ), in case that helps with identifying the matter.
Product: Credit card or prepaid card

I have over XXXX XXXX on my account and I have faxed in my info to get a id protection removed and it was never removed and all I get from The company is wait.
Product: Debt collection

Attorney XXXX XXXX XXXX XXXX has filed an Order of Summary Judgement. Civil Action # XXXX and the XXXX XXXX XXXX XXXX ( State Court of XXXX county ), signed the order without a court hearing to plead my case. I am an essential worker, yet due to the pandemic my job has been affected with decreasing hours and affected employees which has resulted in being off and on from work. I am currently under Pandemic benefits program with the DOL cares act program. I have battled with XXXX myself, and recovered at home. I am the head of household and I am struggling to pay my living expenses .The law to garnish someone wages during this hard economic time should be denied. We can barely survive which has caused a heavy strain on anyone that is trying to work to provide support and services for the state of Georgia.
Product: Debt collection

I asked the company for the original contract twice and they can not provide it. This debit doesnt belong to me. I have disputed it and contacted the XXXX. They only sent a letter saying this was my debt. I want to see the original contract because this debt does not belong to me an I want it taken off my credit report.
Product: Student loan

My federal student loans are serviced through Mohela. On XX/XX/2024, I requested to enroll in auto-pay for my monthly payments due to Moehla. I received an email confirmation from Moehla confirming reciept of my request, noting it would take 7-10 business days for the change to go into affect. I enrolled for my auto-payments to process on the XXXX of each month ( my payment due date ). On XX/XX/XXXXXXXX XXXX I received a past due payment email notification from Moehla. In violation of EFTA, Mohela did not process my auto payment timely. In violation of the FDCPA, interest continued to accrue on my account for full balance due despite Moehla being the entity at fault for late payment. When I contacted Mohela on XX/XX/XXXX for more information on my alleged missed payment and auto pay enrollment they acknowledged that failed auto payments were a wide spread issue, they could not remedy the situation by enrolling me in auto payment now that my account was in past due status and refused to take my payment over the phone. The debt collection practices of Moehla are deceptive and unfair to its borrowers.
Product: Money transfer, virtual currency, or money service

Heres the main paragraph extracted for you to copy and paste : -- - I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

On XXXX of XXXX, XXXX, I checked XXXX XXXX to check the current strength of my credit. And i discovered that 2 different inquiries has been added to my transunion credit bereau. The inquiries are from XXXX XXXX  and XXXX XXXX XXXXXXXX. Both inquiries are were dated for XX/XX/year>. However, I dont know the source of the inquiries. 
After i discovered the inquiries, I reached out to TRANSUNION by a phone call and i made a complaint about the inquiry, whose sources i dont know. And they requested that i should file report with you guys. 
Please investigate the unknown inquiries and remove it immediately because I will need my credit to purchase a home for my family. 
I attached my drivers licence to validate my identity. 
Thanks
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of a paid account from my credit report. This account hasbeen paid and the collection agency agreed to delete the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently ordered my credit report from equifax and I 've noticed multiple inquiries listed on there that I did not authorize or recognize inquiries such as XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXX/XX/XXXX
Product: Debt collection

I went on XXXX XXXX and a debt was added into my collections. It says it was opened XX/XX/year> and the debt it {$140.00}. I have only XXXX debt in my collections which was a couple years back but I have not opened or added anything to my collections. Ive been on time with payments and this collection is not mine.
Product: Debt collection

Balance {$200.00} Balance Updated XX/XX/2017 Balance {$730.00} Balance Updated XXXX  Balance {$200.00} Balance Updated XX/XX/2017 XXXX XXXX/ XXXX XXXX XXXX This company has reported this account 3 different ways on my credit report and it was reported not correct. According to The Fair Lending Credit Act it has to be reported accurately. And it was not until I reviewed my credit report that I noticed the mistake and I had XXXX XXXX look into it, However they deleted 2 accounts and undated one to the {$730.00} and that balance was never reported until they were contacted about ALL the mistakes with the account and how it was reported, They the company has VIOLATE my rights and the Fair Lending Credit Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and my TransID is XXXX. On XX/XX/2019, a XXXX XXXX cashier associate fraudulently created a line of credit without my permission including the use of an incorrect social security number to be filled under the creation of the account. On XX/XX/2019, I contacted XXXX  for guidance and requested Synchrony Bank to submit a deletion of credit inquiry directly to XXXX. I have been informed, by XXXX, that the removal of the credit inquiry will take place when this cover letter is received by myself and the deletion of credit inquiry is received by Synchrony Bank. 

On XX/XX/2019, I contacted XXXX for a status update as it is only a few days away from the 60 day timeframe. XXXX  informed me that they received my cover letter that was mailed to them but did not receive the letter of deletion of credit from Synchrony bank. I informed the representative that Synchrony bank does not provide the customer a copy of the letter and that it is electronically sent to XXXX. XXXX  persistently said that the matter is still open until I provide a copy of the letter of deletion of credit. However, I am unable to according to Synchrony Bank. 

I will be filing a claim against both agencies as their processes are not aligned with one another. Please determine the correct coarse of action whether XXXX  is able and should receive electronic letters of deletion of credit or if Synchrony bank must provide the customer a copy of the letter of deletion of credit. In addition, Synchrony bank automatically opens a line of credit with simply a drivers license without validating the correct social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to 15 U.S.C section 602 A, I have the right to privacy and my privacy had been violated.

15 U.S.C 1681 section 604 A section 2 also states, a consumer reporting agency can not furnish an account without my written consent and I did not provide any written consent for my information to be furnished in which this too is another violation.

I DEMAND the removal and deletion of all accounts listed above immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & XXXX XXXX ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & XXXX XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) XXXX Balance : {$83.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Federal XXXX Date Filed/Reported : XX/XX/2015 Inaccurate Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX
Product: Credit card

XXXX XXXX received 2 emails from PayPal about an invoice and 2nd email with this : " Your account shows an unauthorized charge for XXXX. Call us for details at + ( ). To canceled your invoice ''. I looked up PayPal phone # and call an illegitimate one by mistake. Gave info that was used to Create the fraud I'm reporting. I have another number I called also, speaking with a " XXXX '' for " PayPal '', who was the fraudster. As soon as I realized I was scammed I contract both PayPal correctly and XXXX XXXX to alert them and trying to disputed the pending transactions. They said there was nothing to be done until the transactions posted as they were still pending went through which happened sometime on XX/XX/22 or XX/XX/22. I call back to both PayPal and XXXX XXXX who told me there was nothing I could do because the transactions went through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report in found there was an inquiry for XXXX on XX/XX/2020. 

I wrote XXXX XXXX XXXX twice disputing the inquiry an requesting them to remove the inquiry from my credit XXXX  XXXX XXXX responded saying that had no evidence of inquiry however it is appearing on my Transunion credit report. 

Please review and remove inquiry from my credit report as I did not submit an application to XXXX  XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2022, I completed a credit application for the XXXX XXXX XXXX. The credit application was denied. I received the denial letter via USPS. I do not agree with this decision as my credit was extended for consideration and did not receive the credit in the fair exchange of this application process. Poplar Bank violated my consumer rights under the color of law.
Product: Vehicle loan or lease

I co-signed for my son 's Honda with Honda Financial services. His XX/XX/XXXX payment bounced. We were not notified until the account was past due. I  immediately made the payment when I called Honda Financial services. My credit was compromised by 70 points. 

It was irresponsible that I did not receive notifications of the bounced check. Honda would not take recourse for their actions. Honda does not notify the co-signer of bounced checks or payments that are going to be late yet they have no qualms in destroying the co-signers credit for one late payment since XX/XX/XXXX.
I want the late payment taken off my credit report or I will go to the news.
Product: Debt collection

Disputed this collection previously in XX/XX/2020, and it was removed from credit report, but has came back by a different collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off to the CRA To remove personal information that I do not want on my credit report. Any other personal name variation and address variation is inaccurate and need to be removed. My official government issue identification name is XXXX XXXX XXXX, I do not goby any other name. My only address XXXX XXXX XXXX, XXXX, XXXX no other address is mine never lived there. I pay all my utilities at the above address and that address is on my official government identification According to the fair credit reporting act 12USC 1681. I have the right to privacy. Also to according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 
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: Credit card or prepaid card

Received unsolicited prepaid card by mail on XX/XX/2018. cardholder agreement under fee schedule states '' If you do not register your card and your card remains inactive, we will access the Account Maintence Fee Listed below beginning 90 days after the date the card was acquired. '' called to remove account but was an automated call with no way to verify it was removed. E mailed to the listed email address to decline card but address was invalid.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act Ally Financial account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found that accounts that I had reported as fraud and identity theft are still open and reporting on my report. On XX/XX/2023 sent in my FTC identity theft report and police report, placed a fraud alert on my credit files, and requested that XXXX, XXXX, and Transunion STOP reporting accounts that were opened fraudulently, despite their reckless, careless investigation. I have provided the companies with proof of identity theft of my personal information and a police report. I also reported the suspect XXXX XXXX who stole and had access to all of my personal information while Living with me. According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts violate not reporting 100 % accuracy. Furnishers & Bureaus need to be held accountable for reporting false and inaccurate information that they CAN NOT 100 % verify. 

I have attached the following documents sent to XXXX, XXXX, and Transunion on XX/XX/2023 : FTC Identity theft affidavit/report Police Report Signature confirmation that the bureau received the supporting documents.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXXXXXX and XXXX XXXX XXXX