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

ChexSystems, My account is frozen - I need for you to MAIL my Replacement pin to me.

Do *not* send via the online portal - I do *not* have access to the online portal- as I need a pin- which you never send me.

Please mail me my Replacement Pin.

Attached to this complaint is : - Drivers license - Social security card - My correct address to MAIL the Replacement Pin to
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is refusing to remove inquiries that were obtained without my permission, Ive sent them numerous request asking to remove them and they have not, so I am filing this complaint against them for unfair credit reporting. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion deleted a fraud XXXX XXXX Account from my credit report Between XX/XX/2022, and XX/XX/2022. An FTC Report and Police report were submitted with the dispute for this account. They reinserted the XXXX XXXX Account without the proper 5-day re-insertion notice required by FCRA. They also refuse to remove unauthorized inquiries from my credit report that were also included in the FTC report submitted. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX
Product: Debt collection

Received call from Asset Recovery Associates trying to collect a zombie debt. Debt is 15 years old and have had no communication from loan originator in years. ARA has my personal info and info regarding available credit on cards. Stated had to receive payment that day or they will sue for full amount. Stated they had already sent paperwork to county I live in to move forward with collection and garnish wages. In settlement with government XX/XX/19 they agreed to stop these collection tactics. Obviously they havent.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Transunion. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : 1. Last Reported : XXXX and TransUnion both report the last update as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This slight difference may not be significant but is worth noting if strict accuracy is necessary. 
XXXX. The account Number : Transunion has a different account number, while XXXX and XXXX has the same. 
XXXX. Comments : o XXXX : Charged off as bad debt. 
o XXXX : Account was in dispute- now resolved - reported by subscriber. 
o TransUnion : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active and Date of Last Payment : Date Last Active : XXXX and TransUnion both show XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
XXXX. HIGH CREDIT : Is showing as {$0.00} on the XXXX report but is correctly listed as {$5600.00} on both the XXXX and TransUnion reports. 
XXXX CREDIT LIMIT : for XXXX XXXX reported as {$0.00} while it should be {$5600.00}, similar to TransUnion and how XXXX should have reported the high credit, this requires a correction as well. 

Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 
Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I had an account with XXXX XXXX XXXX, Account # XXXX. This account is paid in full with a XXXX balance. Transunion has been contacted several times with documents provided such as a letter from the company and my cancelled check to no avail, since XXXX/XXXX/2015. Due to the length of time involved, Transunion should delete the record in it 's entirety under the guidelines of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor give consent. 15 usc 1681 602 A state I have right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account or inquiry without my written instructions. 

XXXX has the following inquiries I want removed Immediately. 

Capital One XXXX/XXXX/22 XXXX XXXX XXXX XXXX/XXXX/22 A paystub and passport have been uploaded with complaint for ID purposes.
Product: Credit card

I have a Care Credit Account with Synchrony Bank. 
I am using this Credit Card to pay for my Cat 's VetBills, my cat has had XXXX episodes of XXXX. 
I have met all my payments for the promotional offer, no interest if paid off in full in XXXX months. 
I have used this card at my Vet for my cat 's pills, charges in the {$40.00} to {$100.00} range. 
I have diligently paid my monthly payments. 
I noticed on my Care Credit bill, I am being chargedInterest. When I inquired about the interest charge, I was informed by a representative that any chargesunder {$200.00} must be paid off in full in XXXX days. 
I never received a separate statement about thesecharges, they were folded into my promotion bills. 
I did not receive a separate statement stating whatcharges are accruing interest so that I would havethe opportunity and information to pay these chargesbefore the interest was charged. I have paid $ XXXXXXXXin interest so far this year, that I was unaware ofwhat charges interest was being accrued. 
I feel this is very deceitful by Care Credit. 
The customer should be made aware via a separatestatement in additional to the promotional statementsI would certainly have paid off these charges ratherthan pay interest. Since I was informed of thesecharges today, XX/XX/2015, I have arranged topay the remaining amount to avoid additionalinterest charges. I feel I am being penalizedfor paying monthly payments that were a part ofa promotion and paying them off in full before theexpiration date and then being charged unbeknownto me interest on charges I did not receive a separatestatement to be aware of this issue. 
Care Credit is practicing unethical means to havetheir customers accumulate interest because theyare not issuing statements on these separatecharges monthly to the customer.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Capital One is reporting an unlawful repossession on my consumer reports. I sent a request for all the documents they have in their possession pertaining to this unlawful reporting. I was not provided everything. I did not receive the XXXX XXXX XXXX  of the Transaction letter, I did not receive the XXXX disclosures that all financial institutions and one of this is the disclosure of institution privacy policy. According to 15USC 6802 a financial institution may not disclose nonpublic information to nonaffiliated XXXX XXXX  and i did not sign anything and it wasn't provided with the documents Capital One sent. Capital One has repeatedly violated the FCRA and my consumer rights and now I am demanding this unlawful repossession be deleted from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform that I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report and I'm done with it. Per FCRA section 605b Credit Reporting Agencies are required to block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which 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 XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 card

see prior complaints with american express and XXXX XXXX. 

I called American express today to make a payment as I can not pay on the portal online. Ive been trying for the past few months to make a payment but every time they tell me they dont have the authority to take the payments unless i send them an email first saying that i give them the authority to contact a company called XXXX XXXX  and them release my files to them. ive contacted XXXX XXXX  and they say they have no such authority and were simply a credit monitoring company i was using to check my score over the past year, but i havent used then now for a few months. They emailed telling me they do not know why American Express is requesting for me to have them release my file, and that we arent working together. 

Today when i called Amex to attempt to pay again, they transferred me to their collections agency XXXXXXXX XXXX XXXXXXXX and when i asked to make my payment they again said they dont have the authority to take a payment until i email them telling them they have the authority to take over my file from XXXX XXXX which i do not feel comfortable doing and feel is strange for a collections agency to be asking me?? 

Also i was never informed 60 days ahead of this being sent to collections and I only received a letter in the mail onXX/XX/XXXX but this was sent to collections in XXXX. 

all ive tried to do is pay on the balance and they keep making it impossible to make a payment as the online system wont let me me add a payment and the calls only direct me to XXXXXXXX XXXX XXXX who tell me they cant take a payment. so then my file goes with lat payments and looking. like a charge off when it never had to be a charge off. i have just tried to pay them over and over and theyre trapping me in the debt and repeatedly reporting negative remarks on my credit die to not accepting payments to my account and sending me to collections agencies that tell em they do not have the authority to take payment. 

help me pay this account!!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXXXXXX XXXX  Account Number : XXXX Disputed Information : BALANCE, DATE OF LAST ACTIVITY, DATE OPENED, CLOSED DATE and CREDIT LIMIT Account Name : XXXXXXXX XXXX Account Number : XXXX Disputed Information : LAST VERIFIED, XXXX OF LAST ACTIVITY, DATE REPORTE, XXXX OPENED and LAST PAYMENT Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : EVERYTHING IS INCORENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section 611 : Right to dispute inaccuracies and request investigation. 
XXXX. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TRANSUNION has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681iXXXX Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about transunion credit reporting agency and XXXX XXXX. There are 4 hard inquiries listed on my transunion credit report. There should only be 1 hard inquiry not 4. I dont no why they did this as I did not apply 4 times in 1 day also I already have an account with XXXX XXXX. The 1 hard inquiry was for a credit line increase. They ran it 4 times according to my credit report which in return is affecting my credit score. I tried to clear this with TransUnion and was told I need to speak to XXXX XXXX. XXXX XXXX told me I need to clear it with TransUnion. This is a circle and Im getting nowhere.
Product: Checking or savings account

My savings account reflected a withdrawal in the amount of {$3000.00} on XX/XX/XXXX at XXXX pm executed by XXXX XXXX XXXX. I was not at TD Bank at this time. 

After several attempts to resolve the above, I was told on XX/XX/XXXX that someone presented my actual card to the teller mentioned above and made the withdrawal. I informed them that my card was in my exclusive possession at all times up until XX/XX/XXXX and it is impossible for someone else to show up with my card and made this withdrawal. 

A complaint was submitted on XX/XX/XXXX with the bank 's internal fraud unit. I asked if I can see the surveillance footage for this transaction. I was told that the assigned investigator will contact me within 3-5 business day and he will determine whether I can see the footage. I asked what if him/her does not allow me to see the footage. I was told that then I will have to file a subpoena to see the footage. ( If this is the case, it will be difficult to believe this investigator, if I can not see the footage. I see no reason why I should have to pay to see this footage ). 

I do not trust TD Bank for the following reasons : 1 ) I can not comprehend the logic that someone showed up at the bank with my card for a withdrawal when my card was never missing and never left my possession ; 2 ) Without the opportunity to see the surveillance footage for this withdrawal at XXXX XXXX, this assigned investigator can tell me the same as what customer care said to me that I was at the bank and did the withdrawal at XXXX XXXX  on XX/XX/XXXX. 

Nothing makes sense and I am now questioning whether there is anyone at TD bank who is capable to investigate this withdrawal and provide an accurate/honest report. 

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

I have made multiple attempts to speak a live person to understand why I am unable to access my free annual credit report. The system tells me that a report does not exist. I was told to send in copy of ID, SS card, W9 as prood of identify this will be my 3 rd time sending my sensitive information. Please fix this and remove the innaccurate information you are reporting on my credit report. 
Attached is a letter detailing the inaccurate information as well as supporting documments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion XXXX XXXX Balance : - XXXX XXXX XXXX  XXXX Balance : - Bankruptcy XXXX  XXXXdismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX  XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Child support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report an instance of identity theft that appeared before me on XXXX.Recently, I was informed by XXXX that an American Express credit card had been opened under my name through XXXX. The reported amount associated with this account is {$430.00}. I want to clarify that I did not authorize or open this credit card account, and I have reason to believe that my personal information has been fraudulently used. 

The account was opened under my name. I suspect that my identity was stolen and used without my consent, which has led to this fraudulent activity. This issue poses a significant risk to my financial integrity and credit score.

I am seeking your assistance to investigate this matter thoroughly and to help me resolve the issue by removing the fraudulent account from my credit history. Additionally, I would appreciate guidance on further protective measures I can take to secure my personal information. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance. 

XXXX has been difficult to get ahold of as well. I have been trying to also use their website but they are reporting they can not find my SSN.
Product: Credit reporting

I disputed an account being reported ( erroneously ) as mine by XXXX XXXX XXXX on my credit file. " I wrote XXXX XXXX XXXX XXXX XXXX of 2016 ( see attached document " XXXX XXXX XXXX XXXX '' ) to dispute the debt and I received their letter dated XXXX XXXX, 2016 ( see attached document " XXXX XXXX Response XXXX XXXX '' ). In it, you can see that have not provided any source documentation as requested and that the letter was not sent within the thirty days allowed for them to respond. XXXX XXXX XXXX has failed to prove that I have any account with them and yet, Equifax continues to report this bogus account. This constitutes a violation of Section 623 ( a ) of the FCRA and I demand that they remove this erroneous information and deleterious account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated my rights under the Fair Credit Reporting Act by fraudulently and illegally placing an outdated account that is not mine into my credit report. The account, from XX/XX/XXXX, was placed into my credit report well over a decade later in XX/XX/XXXX when I discovered it. I have learned the account was charged off in XXXX when XXXX XXXX XXXX filed for and declared Chapter XXXX bankruptcy, going out of business. XXXX XXXX XXXX refuses full transparency as I have asked for and refuses to provide me with the information that I have requested. Instead they told me to contact XXXX XXXX XXXX, which they know does not even exist. XXXX has also told me that they are not responsible for putting this into my credit report, when in fact it is them. Each time I file a dispute with Tran-Union, XXXX provides additional false information to them which I have documented. One example is how XXXX put into my credit report " Last payment made on XX/XX/XXXX '' to make it look like I was making payments. This is a complete fraud, abusive, unfair practice, and misrepresentation of debt by falsifying information to Trans Union. XXXX refuses to supply me with further documentation showing the amount of this payment, method paid, and person responsible for paying it ... because it is an abuse of power which should be stripped away from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT.XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

Over the past couple months, this company was directly contacted and suggested I file a dispute on the error made on their behalf. They continued to try to collect payment knowing this was fraud and an error on their behalf. Refused to report false/inaccurate information to remove the error ( current balance falsely reported by them in the excess of {$750.00} ) from my credit report upon receiving notification even after a fraud alert notification was placed on my credit reports. I am a victim of fraud and data breech and they were supposed to remove this error and continue to refuse now which is fraud and illegal.