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

I recently conducted a review of my Transunion Credit Report and observed five " Hard Hit Inquiry '' that I don't recall authorizing. ( 1 ) XXXX XXXX dated XX/XX/XXXX, ( 2 ) XXXX XX/XX/XXXX, ( 3 ) XXXX XX/XX/XXXX, ( 4 ) XXXX XX/XX/XXXX, & XXXX XXXX XXXX XX/XX/XXXX. I contacted the companies mentioned and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Fair Credit Reporting Act ( FCRA ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] a. In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1. In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

2. In accordance with the written instructions of the consumer to whom it relates.

3. To a person which it has reason to believe A. intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or B. intends to use the information for employment purposes ; or C. intends to use the information in connection with the underwriting of insurance involving the consumer ; or D. intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or E. intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or F. otherwise has a legitimate business need for the information i. in connection with a business transaction that is initiated by the consumer ; or ii. to review an account to determine whether the consumer continues to meet the terms of the account.
Product: Debt collection

The debt collection company XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX has been harassing me since XXXX of 2023, claiming that I owe a debt to a former property management company, but has not produced any documentation clearly showing a bill for an amount they claim I owe. I have contacted the company in writing to provide documentation. They continue to provide a move out statement that literally reads, " This is not a request or demand for payment of any amount. This is a copy of your move out statement that we are required to send by law. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : ( XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX )
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15th U.S Code & 1681i- Procedure in case of disputed accuracy, and 15 U.S. Code & 1681 e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and whish to ensure that all the information is 100 % correct and accurate. 

XXXX are the accounts I am requesting to be reinvestigated : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Please help us! Since XX/XX/XXXX we had Green tree which switched to XXXX in XX/XX/XXXX! 
Green tree would collect our temp mod payments and then decline us after two pays and tell us to reapply! We did this three times! 
The first Time was with the HAMD modification and our mortgage was to be XXXX ( paying reg mort at XXXX ) we payed first two pays and then they pulled this out!

Told to red mod and it happened two more times! 
They then switched to XXXX which accelerated our {$270000.00} loan to {$350000.00} for not paying the Green tree modifications help!
Product: Credit card or prepaid card

My unemployment card was being used by someone else for over a year and a half. Ive never received a card. I was trying to get into my account with XXXX  XXXX for over the last year and a half due to someone else stole my identity. I finally got into my account and was told to contact the card that the payments came through and I contacted them told them the situation and they disputed the cards that the person who stole from me had used. They denied my claim automatically without even doing an investigation that was promised when I first called. Im devastated as Ive been basically lied to and now I am out of XXXX! That Ive been waiting over a year for. I havent received not XXXX payment! The bank can see that the addresses that were on file are not mine and nothing is being done. They wont even disclose the addresses to me to give the police. I literally have been robbed and the bank does not care. US bank is not following their policy or anything. The charges arent even made where I reside.
Product: Credit reporting or other personal consumer reports

YOUR COMPANY IS STILL REPORTING UNVERIFIED AND INACCURATE ACCOUNTS ON MY CREDIT REPORT. THE ACCOUNTS ARE SHOWING INACCURATE INFORMATION IN THE DATES OF LAST ACTIVITY AND THE PAYMENT HISTORY AND OTHER INACCURACIES BETWEEN EQUIFAX, TRANSUNION, EXPERIAN. DELETE THESE ACCOUNTS RIGHT NOW. ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX  ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -THERE ARE LATE PAYMENTS ON THESE ACCOUNTS. THEY NEED TO BE UPDATED TO PAID AS AGREED, PAID ON TIME, NEVER LATE. THESE ACCOUNTS ARE SHOWING INACCURATE INFORMATION IN THE PAYMNEY HISTORY, THE DATE OF LAST ACTIVITY AND OTHER INACCURACIES. ( XXXX ) ( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an inaccurate bankruptcy report on my credit file, which has been verified by the credit bureaus through XXXX XXXX. This misinformation has caused significant distress and financial hardship for me, as it has negatively impacted my credit score and ability to access credit. Upon discovering the bankruptcy report, I was told by the credit bureau company to immediately contacted XXXX XXXX to request clarification on how this information was verified. To my surprise, XXXX XXXX informed me that they had verified the information through PACER ( Public Access to Court Electronic Records ), an online service that provides access to federal court records. However, PACER explicitly stated that they are not affiliated with XXXX XXXX and do not contact consumer reporting and credit reporting agencies. PACER 's sole function is to provide access to federal court records. 

On XXXX XXXX I also received a letter from XXXX stating the bankruptcy information reported was unverifiable have been removed from their files.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called transunion at XXXX XXXX  on XX/XX/XXXX and requested 15 inquiries be deleted from my credit report and they refused to delete them. All 15 of these inquiries are not mine. I want all 15 these inquiries listed inside an attachment here to be deleted immediately.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT *XXXX  - Account # XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Balance : {$1900.00} and XXXX XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$0.00}. Please update.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

RE : XX/XX/XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim ofXX/XX/XXXX The information listed below, that is currently listed on my credit report is a result of thatXX/XX/XXXXListed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XX/XX/XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XX/XX/XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OFXX/XX/XXXX( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding XXXXXXXX XXXX system outage that has been going on for the last month. I, along with millions of other users, have been trying to make our payments. They claim to have an easy pay system online now, that does not work, and their call centers are also entirely shut down, making pay over phone impossible. No account information is available either, thus unable to see due dates, amount due, interest, etc. One of my accounts with them has already been reported as late- which must be immediately removed, as it is inaccurate reporting as it was by no fault of my own but the companys that I, as so many others, are unable to submit payment. I want action taken and this issue to be resolved promptly. I do not believe my information is safe, nor do I believe they are making any attempt at accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting not accurate/credit damaging in regards to a bankruptcy XXXX XXXX XXXXXXXX
Product: Student loan

There 's numerous inquiries on my credit report showing over XXXX student loans. Luckily these were all consolidated, however they are still reporting on my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency , correct and/or block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened : XXXX XXXX XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$4400.00}. 
XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
XXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX, XXXX. Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Account Late payments recorded must be cleared and made current for the below accounts : Account : XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX The aforementioned accounts, collections, and late payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me or have been recorded unjust while I was medically incapacitated. All of the aforementioned accounts, collections, and late payments are the result of identity theft, fraud, or reported as late during a time that I was medically incapacitated.. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries associated are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

PRA is also a financial institution and has furnished information to all the major credit reporting agencies, including XXXX, which have in part adversely affected this consumers ability to apply for credit successfully, WITHOUT NOTIFYING THIS CONSUMER.
Product: Credit reporting or other personal consumer reports

I want to remove inaccurate information 15 USC 1681 SEC 611 :
Product: Credit card or prepaid card

I have serious concerns that NYCB ( the Company ) is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process regarding fraudulent activity on my account. 

The Company is also failing to acknowledge and directly reply to my inquiries and requests for information on this matter. I have made several attempts, and spent significant time speaking with the Companys representatives, but have received nothing that could be considered responsive to my original requests for information, which has been pending for several weeks now. 

I believe the circumstances of my claim clearly warrants an immediate crediting of my account in the amount of {$2800.00}. 

On XX/XX/2023, after receiving a text message regarding an attempted purchase at the retailer XXXX XXXX for {$4600.00}, I immediately became aware that my NYCB credit card had been used without my authorization. Upon logging in to my account, I determined that there were a number of other transactions that I also did not recognize. 

I called NYCB customer service at once, at approximately XXXX XXXX on XX/XX/23, and spoke with a Customer Service representative to bring this to their attention and presumably disable the account number. We proceeded to go through the charges in detail, and she indicated she had processed my claim, and replacement card, etc. 

In the subsequent 5 weeks, I have yet to receive a single provisional credit for any of these charges. I have also been patiently waiting for some contact from the investigator, from the bank itself, such as an itemization, affidavit, or more preferably, simply credits ( provisional or final ), for what are clearly unauthorized transactions that I should not be responsible for. 

In the absence of any contact, information, or activity of any kind from the company, I have also reached out myself to inquire as to the status of the case. I did so on XX/XX/23, and was told that investigators were delayed in processing claims due to the holidays. I followed up again on XX/XX/23, and again was given no new information or updated status, nor even that the claim had been picked up by an investigator yet.

As it pertains to the case itself, it appears that one of my authorized users cards was lost, stolen, or compromised, because there is a mixture of my authorized transactions ( made with my card ) and unauthorized unrecognized transactions ( presumably made with the other card, or cloned card ). On several occasions this occurred almost simultaneously in different parts of the country, which I pointed out to the agent on XX/XX/23. For this reason, I fail to understand the reason for the delay, in such a clear case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX   XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hold 2 credit cards with XXXX, yet 3 cards consistently appear on my credit report. I phoned XXXX to inquire, and they confirmed that there was a third card with middle digits XXXX which was being used by someone who either has my same name or was fraudulently abusing my name. The representative at XXXX explained that sometimes a card registered to a person with the same name can sometimes be attributed to the wrong credit report. In this case, the representative stated that XXXX would issue a letter to each of the credit reporting agencies to notify them of the error and have that card taken from my credit report. This is upsetting to me because I keep a zero balance on my cards and yet my credit score has been stuck in the middle 700 's for more than three years.