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

Hello and thank you for taking the time to read my complaint. This complaint is regarding Transunion. I will be submitting a complaint on XXXX and XXXX, respectively. On XX/XX/2021 I sent Transunion my first letter request the verification of several accounts I found upon checking my credit report. Below you will find screenshots of said letters. 
Upon comparing my Transunion report with XXXX and XXXX I was alarmed to see inconsistencies. That is the reason why I sent all three credit bureaus a letter to give them an opportunity to clarify if any mistakes had been made and to fix them following the proper steps. 
After a few days, I received the same response from all three credit bureaus respectively. All had verified and updated my information. However, when I checked my newly updated credit report the information was still inconsistent. 
Now, as far as I know, the same creditor is reporting the same information to the credit bureaus, right? All the information should be the same. All three credit bureaus should have the same high balance, same date of last activity, same balance, same everything. Why was it still different after they verified or in this case after Transunion verified it? 
On XX/XX/2021, I sent Transunion a letter stating I disagreed with their investigation and requesting they re-investigate as well as provide information about the individuals they verified the information with so I can follow up with them because that was within my rights according to the FCRA. I did not receive a response. 
On XX/XX/2021, I sent Transunion a letter with screenshots, comparing the information found on all three credit bureaus. I pointed out and submitted proof of the inaccuracies and requesting they deleted the items as they had not done their investigation adequately. My request was ignored even after submitting proof of the errors. 
I will be honest and say I was disappointed with the results especially knowing my rights were being violated and I couldn't fix it. On XX/XX/2021, I submitted a letter to Transunion again, requesting the investigation of the same accounts for the same errors. I got a letter saying they were verified and updated. no changes were made and the errors remained. 
That is when I opted to submit a complaint to you. I am one individual against an entire corporation, however, information is being reported inaccurately and this is negatively impacting my life so much and damaging my character. I feel hopeless because I presented the screenshots with the mistakes and my requests were ignored. 

I would like to add that letters to XXXX and XXXX were sent on the same day or similar to Transunion. I would also like to add that on my XXXX report several accounts continue to report every month as C/O even after it's been 180 days since they were charged off. This means a dead account has an active payment history, and each time C/O reports the statute of limitations is being illegally changed. Letters with screenshots of C/O being reported were sent to XXXX and were all ignored.
Product: Debt collection

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 : XXXX XXXX XXXX Account number : XXXX Has all violated my rights. 

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 an account without my written instructions 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX Date : XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Subject : Follow-up on FDCPA Debt Validation Request Account Number : XXXX from XXXXXXXX XXXX Dear Portfolio Recovery Associates , LLC Representative : Thank you for your response to my debt validation request. However, I believe that the information provided to date does not fully satisfy my request for validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 
Comments on the information provided : XXXX. Evidence of Debt : You indicate that XXXX purchased the debt from XXXX Bank. However, I have not been provided with any original documentation to support this claim, such as a copy of the contract signed by me or any document evidencing my consent to the opening and management of this account. I require to see the original contract or credit application with my signature.

2. Debt Details : You have not included a detailed breakdown of the amount claimed in your response. I need a statement showing how interest, fees, additional charges, and payments applied to the balance were calculated from the opening date to the closing date. 
XXXX. Debt Transfer : If XXXX acquired the debt from XXXX XXXX, I request that you include documentation showing the complete chain of custody, i.e. all transfers of the account from the original creditor to XXXX. Without such information, they can not prove their legal right to collect the debt. 
XXXX. Authorization to Collect : You have not provided a copy of the agreement or contract showing that XXXX has the legal authority to act on behalf of the original creditor or the current owner of the debt. Additionally, I request that you attach a copy of your valid debt collection license to operate in my state.

5. Statute of Limitations Determination : The letter does not specify whether the account is within the statute of limitations. Please indicate the exact date of the last activity and the basis on which XXXX determined that this debt is still enforceable under applicable laws. 
Since my initial validation request included these specific items, I reiterate my request to be provided with the requested documentation, pursuant to the FDCPA. Without proper validation, any collection attempts or reporting to the credit bureaus could be considered a violation of the law.

Request : 1. Immediate suspension of any collection attempts until you provide me with the requested documentation.

2. Rectification of my credit reports, if you can not prove the validity of the debt. 
XXXX. Written confirmation that all collection activity has been suspended until you receive full validation of the debt. 
Thank you in advance for your attention to this matter. I expect to receive the requested documents within 30 days of receipt of this letter. If you are unable to provide the documentation, I request that all records of the debt be removed from my credit report permanently.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX 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 XX/XX/XXXX XXXX **Inquiries** XXXX  XXXX XX/XX/XXXX 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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 

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 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: Money transfer, virtual currency, or money service

On XX/XX/2022 I reopened a PayPal Account. I provided my banking information ( with routing number ), and two debit cards. 
I was notified 2 days later that my account can not be opened, used. 
I then attempted through Verbal alteration with a Customer Service agent to have my banking information and credit cards removed and ALL MY INFORMATION DELETED. 

PayPal refuses to do this.
Product: Credit reporting or other personal consumer reports

Portfolio recovery placed a ( collections ) on my consumer report without my knowledge or permission.
Product: Checking or savings account

XXXX due on XX/XX/XXXX. did not receive funds. Called Ally Bank on XX/XX/XXXX. Received funds on XX/XX/XXXX, short interest of {$21.00} ( 3days from XX/XX/XXXX to XX/XX/XXXX ( {$120000.00} x 2.15 % x 3 days )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported that this closed negative XXXX phone account was open fraudulent and ask for it to be removed during my further investigation of the company and addresses there was no valid address or phone to contact this company to submit my claims I dont understand why and how the bureaus are getting in contact with this company to support this fraudulent account on my report the address for this company is XXXX. XXXX  XXXX XXXX TX XXXX I have submitted supporting documentation showing who I am and my address during the time this account was open
Product: Checking or savings account

I deposited a postal money order for {$1000.00} on XXXX. Bank America has put a hold on this for 10 days. I have deposited money orders from the postal service before and they have never put a hold on it before. Now they are pulling money from my savings and charging overdraft fees when that money is there. I would like them to release my money so that I can pay my bills and refund the overdraft fees.
Product: Mortgage

I was told by the company that they will keep money that was given to me in the form of a check to repair storm damage to the property. They only want to give me XXXX % at a time. This isn't enough money to even begin repairs. I can't get a contractor to agree to start the process.

I believe that the bank is trying to prevent me from getting repairs done, so that they can keep the entire check.
Product: Checking or savings account

Someone transferred money out of my checking account and went to appeal box USPS box and the bank does not want to refund my money say that it was authorized and it was not authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX, also known as XXXX XXXX XXXX  XXXX XXXX XXXX , has violated my rights.

To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of. 

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information. 



15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer. 



They also violated my rights numerous times. 



According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report. 



According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

On XXXX XXXX, XXXX, I received a wage deduction summons from the XXXX Court of XXXX County IL for a debt to Discover Bank in the amount of {$9700.00} plus cost for a total balance of {$15000.00}. 

I do not owe this debt as it is not my debt. My mother, XXXX XXXX was the primary account holder for the Discover account. I was merely an authorized user on the account. My mother filed bankruptcy in XXXX XXXX and Discover was listed among her creditors with an amount owed as {$9100.00} In XXXX XXXX, this debt was discharged. Please see attached documentation. Discover is illegally trying to collect on a debt that I do not owe. This is an unethical practice. Any assistance the CFPB can provide in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I'm reporting that. Experian, XXXX, XXXX, XXXX XXXX and XXXX are not reporting my credit report correctly. It is being reported that the ILLINOIS NORTHERN BANKRUPTCY US COURT verified a bankruptcy on my credit report. 
This is not true I have a letter from the ILLINOIS NORTHERN BANKRUPTCY US COURT stating that the courthouse does not verify any Bankruptcies at all. It also states that they have notified the credit reporting agencies of this. 

I was told I couldn't get a response online because they couldn't verify my identity. I'm sending a copy of my I.D So the response can be shared online If you can't prove the US BANKRUPTCY COURT NORTHERN DISTRACT OF ILLINOIS verified the bankruptcy then this is incorrect. Also please provide who is verified/or giving my information to you. This is a illegal attempt to lie and tell me the courthouse provided/verified the bankruptcy. That's why I'm providing my i.d I want all responses online so it's a record of the responses. I want the CFPB to see your full response. If any other information is needed for my identity please State that in a response on this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get the bank issuing a credit card to correct their error in failing to deliver my monthly statements in paper form through the u.s. postal service, causing a substantial drop in my credit score because of erroneous delinquency. I have filed a complaint about the bank and the other two bureaus. Now I need to the same because of a substantial change in the score by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am submitting this complaint regarding Experian 's failure to conduct a reasonable investigation into fraudulent accounts being credit on my credit file. 

On XX/XX/XXXX, I submitted a dispute to Experian regarding a fraudulent account appearing on my credit report. Experian did not properly investigate or remove the disputed account. Experian failed to provide any information related to their investigation. 

On XX/XX/XXXX, I submitted another dispute for two additional fraudulent accounts appearing on my credit report. However, within approximately 13 hours, Experian stated that my dispute was complete and no changes would be made to my credit file. Given the complexity of verifying fraudulent accounts, it is unreasonable for Experian to have conducted a thorough investigation in such a short time. 

It is important to note that on both occasions I provided Experian with a list of the fraudulent accounts included in my dispute along with supporting documentation including, Identity Theft affidavit reports filed with the FTC, a copy of my driver 's license, and proof of residency. 

Experian 's failure to conduct a reasonable investigation violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. Section 1681i ), which requires credit reporting agencies to investigate disputes and correct inaccurate information. Their actions are causing ongoing harm to my credit profile, and I am seeking CFPB 's investigation to ensure compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage XXXX - XXXX XXXX, is inaccurately reporting on my credit file. XXXX XXXX is reporting : Opened Account on XX/XX/2023 with one payment on XX/XX/2023. 

This is SEVERELY INACCURATE! 

Account was opened on XX/XX/2023 and first payment was made on XX/XX/2023, along with a second payment on XX/XX/2023. 

Several attempts have been made with XXXX XXXX to update my credit file with correct reporting information, they failed to update my credit. XXXX XXXX representative stated to file a compliant. 

This is unacceptable and I'm requesting the IMMEDIATE update of my credit file to reflect : Account open - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX on - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

1ST : MY BALANCE IS PAID OFF TO XXXX : WHY DOES IT STILL SHOW $ XXXX BALANCE? 

2ND : I ASKED TO HAVE MY WIFE REMOVED OFF THE ACCT AS WELL OFF THE CREDIT REPORTS, WHY HAS IT HAS NOT HAPPEN? XXXX XXXX ss # XXXX. 

Acct # XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had late payments on XXXX accounts I was in fact never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots of inside this complaint, on dates XXXX XXXX XXXX and XXXX XXXX XXXX  for account # XXXX. Account number XXXX XX/XX/XXXX, and also account number XXXX showing late XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

Ive been trying over and over again, but I just cant seem to get rid of these false inquiries on my credit report. They have nothing to do with me, and Im not responsible for them. Theyve been causing me a lot of stress, both mentally and financially. As someone whos had their identity stolen, I feel like I have no choice but to think about taking legal action if this isnt sorted out properly. These wrong and fraudulent entries on my credit report have stopped me from buying the house Ive always wanted and from taking care of my familys needs. Theyve really hit me hard financially.