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

Intent to sue for violation of FCRA and FDCPA I am writing to formally notify Transunion of my intent to sue for failing to conduct a legitimate investigation regarding disputed accounts on my credit report. Despite submitting police reports, FTC reports, Better Business Bureau reports, and Attorney General reports, Transunion has not removed the disputed accounts which violate my rights under the FCRA and FDCPA. 
CCBanking, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Under the FCRA, Transunion is required to conduct a thorough investigation into disputes and to correct inaccuracies on my credit report. Additionally, the FDCPA mandates that all collections practices must be fair and accurate. Transunion s failure to investigate these disputes adequately, constitutes a violation of both statues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed this was a closed account in collections and I never had a account with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I submitted my police report, copies of my drivers license and social security card and a letter to TransUnion detailing the fraudulent accounts ( XXXX ending in XXXX & XXXX ending in XXXX ) that are reporting in error in my credit report. I referenced the Fair Credit Reporting Act Section 605B in my correspondence to TransUnion and requested that the fraudulent accounts be blocked pursuant to federal law. TransUnion did not complete this request in the 4 days as required by law and rather opened a dispute and verified fraudulent accounts by confirming my name and date of birth, both of which have been compromised. TransUnion continues to disregard federal law by willfully reporting erroneous information on my credit profile that continues to cause me harm both financially and mentally. I have not benefitted nor did I authorize the accounts that TransUnion continues to report after being notified by myself and law enforcement that are fraudulent ( XXXX ending in XXXX & XXXX ending in XXXX ).
Product: Credit reporting or other personal consumer reports

Personal information leaked in data breach Unknown inquiry from Wells Fargo XX/XX/2024 Disputed on XXXX XXXX has not been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I borrowed {$12000.00} USD from a loan provider by the name of Great Lakes while attending XXXX XXXX XXXX. That loan was in deferment and during the COVID 19 pandemic, the loan provider claimed that I'm a delinquent. This goes against former president Donald Trump 's executive order to place all student loans on temporary hold. They've ruined my credit. I no longer owe them money either. This must come off my credit report because it's unethical of them to go against the president 's order and we were in the middle of a pandemic. I can not resolve the issue via the credit reporting bureau.
Product: Money transfer, virtual currency, or money service

There are a whole bunch of unauthorized transactions on an account coming from a chime account that is clearly using my Social Security Number. However, my old address there are people who I am not family with or was living with anymore that may have been responsible or not I have no clue really.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate address information on my credit report. Experian is reporting undeliverable addresses on my credit report despite my disputes and clear evidence that these addresses are incorrect. 

Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies must maintain procedures to ensure 'maximum possible accuracy ' of consumer information. I have disputed these undeliverable addresses with Experian and provided evidence that my current address ( which is listed as current on my credit report ) is the only address where I can receive mail.

Experian has refused to remove these inaccurate addresses and instead told me to take this up with furnishers. This response violates the FCRA 's 'reasonable investigation ' requirement under Section 611, which obligates Experian to conduct proper investigations of disputes. Experian can not shift their legal responsibility to investigate and correct inaccurate information onto me or the furnishers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to inform you that the current status should not be showing late because I paid it on time. Credit Reporting Agencies lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Chase said to do this when I called them and they also inform me that the card was affiliated with Amazon card. This is what the representative said on the phone. XX/XX/2025 JPMCB CARD application wasn't me who filled it out or requested the application.
Product: Credit reporting or other personal consumer reports

I am disputing an inaccurate late payment reported on my XXXX XXXXXXXX XXXX account Account # XXXX for XX/XX/year>. I have consistently made timely payments on this account and was never late. To resolve this issue, I sent a dispute letter to TransUnion, requesting the removal of the inaccurate late payment. I informed them of their obligation under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ), which mandates accurate reporting. This inaccurate information has negatively impacted my credit score and financial opportunities. I am seeking the immediate removal of this late payment from my credit report.
Product: Credit card or prepaid card

I am writing about claim id : XXXX. I had several claims that chase decided to group into one claim. Then they told me they did research and said the merchant provided the necessary documents to prove my claim was false. However, Chase did not provide any proof. I think instead of individually researching each claim this they were lazy and group them together. I think chase did not follow the law and incorrectly did not research these items. In doing so violated my consumer credit rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXX XXXX IncorrectPersonal XXXX - IncorrectPersonal XXXX  XXXX IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX, XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Wells Fargo auto loan was paid off in full by my insurance company following a car accident resulting in a total loss. Prior to this, the auto loan account had no late payments reported. I received a letter from Wells Fargo verifying that the auto loan account was paid off in full and closed as of XX/XX/XXXX. 

On XX/XX/XXXX, I received a notification from XXXX that Wells Fargo reported a 30-day late payment in the month of XX/XX/XXXX ( after the account was already closed ). 

On XX/XX/XXXX, I filed a dispute directly with Wells Fargo, and I also filed a dispute with XXXX Included with my dispute, I attached a copy of the letter from Wells Fargo verifying that the account was paid in full and closed in XX/XX/XXXX, so it was not possible to have a 30-day late payment in XX/XX/XXXX. 

I also called Wells Fargo multiple times on XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX. I spoke with multiple associates including a member of their Escalations Team and my complaint was assigned to their " Office of the President '' ( also called the Executive Office ) and assigned a case number and a case specialist. My case specialist reviewed the details of my account and also confirmed that the negative remark appeared to be an error and forwarded my case to their credit team with a request to remove the negative remark from my credit report. 

On XX/XX/XXXX, I received the results of my dispute from XXXX  stating that the negative remark on my credit report would not be removed. I called XXXX to get clarification on this decision and was informed that Wells Fargo had responded to the dispute and confirmed that the negative remark was accurate. This was in direct conflict with the information I'd received from Wells Fargo. 

On the same day, XX/XX/XXXX, I called Wells Fargo and spoke with my case manager. Upon reviewing the notes on my account, he indicated that Wells Fargo had not received or reviewed my dispute from XXXX  nor had they verified the accuracy of the negative remark. He indicated that if someone from their credit team had reviewed the dispute this would have been reflected in the notes on my account along with the results of the review/investigation. 

I then called XXXX back and was once again told that Wells Fargo had, in fact, responded to the dispute but they would re-open the dispute anyway and send it back to Wells Fargo for another review. 

At this point, the inaccurate remark is still on my credit report and has caused my credit score to drop XXXX points. I have contacted both XXXX  and Wells Fargo and nothing has been done to correct this inaccuracy, and I am receiving conflicting information from representatives at both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

An Inquiry dated XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX that is older than the 2 years allowed by law. 
is still on my Experian credit report Contact info XXXX  XXXX  XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX thank you
Product: Credit card or prepaid card

Please forgive me for the frustration and puzzelement in dealing with issues related to credit card industry, lately. 
This is my brief story : For the first time - on XX/XX/2022- I decided to use Apple Card for buying XXXX from XXXX XXXX. For legitimate reason the merchandise was returned and full refund was issued timely to the creditor. At this stage, the matter should have been closed-like any other transaction with my other credit cards. Unexpectedly, Apple Card sees this proceeding differently and began demanding campaign for extraneous payment of {$38.00}. As a responsible consumer, I repeatedly asked to explain the reason for the required payment. Unfortunately, no satisfied response was received ( please examine exhibit 1 & 2 ). 
On XX/XX/2022 I have been notified by my bank that my account is reported as delinquent and that my credit score dropped XXXX points from XXXX ( please examine exhibit 3 & 4 ). That would make a deliberate tangible difference in the quality of my family lives. Should anybody care about how disable senior citizens manage the authoritarian unethical means these creditors are applying at their customers with recklessness and impunity? I believe that FTC cares! I believe Apple Card is violating its supposed compliance with credit practices normally applied. 
While checking my emails I inadvertently saw a misleading ad claimed by the creditor : Pay No Fees. Ever. Terms apply ( please see exhibit 5 ). In my case Apple Card has never said the origin of the demanded {$38.00} nor I have signed/agreed about anything alluding to that figure. Is this a ransom? Please help me understand whats going on, as Im at loss .The threat scheme posed to consumers by creditor practices remains real and should be abated.
Product: Money transfer, virtual currency, or money service

Deposited funds to Coinbase with two transaction via ACH from my ban account at chase. 
- first transaction : XXXX XXXXXXXX XXXX COINBASE INC. XXXX XXXX WEB ID : XXXX. debit - {$11000.00} - second transaction : XXXX XXXX COINBASE INC. XXXX XXXX WEB ID : XXXX Misc. debit - {$10000.00} Funds from first transaction supposed to be available on XX/XX/XXXX. Instead, the day before my account was blocked without clear reason why. I received just generic message " For security reasons, your Coinbase account has been locked. '' My account at the moment was confirmed with my photo ID, SSN and selfie. I reached out to their customer support for the further details but got the same generic response. After I asked to send funds back to original account they refused to do that until XX/XX/XXXX. I asked why this specific number? No answer. I suspect funds and my account wont be unlocked on XX/XX/XXXX that is why I'm trying to act early.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to delete negative reporting of late payments on an account that are dated as having an original date of delinquency of longer than 7 years. I have disputed this information on three separate occasions and have been given different dates of when the late payments would be removed. 
The account is with XXXX XXXX XXXX XXXX   and I have confirmed that the original date of delinquency is XX/XX/12 with XXXX and that the account did not become current until XX/XX/12. This negative information is outdated. 

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with this issue for sometime. With Experian, XXXX and XXXX XXXX. I told them that all my identities were driver license and Social Security card. I found out it was brother who passed away of drug overdose last year. I have documents from IRS showing Identity Theft Affidvat and showing after they investigated they proved it was Identity Theft. In the letter explain you will see why I didn't reported to police because if you tell on the wrong person in my neighborhood they will kill you. 
Also, in XX/XX/2020 I wrote XXXX XXXX XXXX XXXX were they said I fill out the applicant to get a car. I also have attached the letter I mail to them came back return to sender. 
On XX/XX/2020 I sent a certified letter with return receipt to Experian and XXXX to inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through physical verification of the original signed consumer contract. Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof and if they are unable to provide me a copy of verifiable proof, these items must be removed that are listed below. ( I have attached the letter I sent to XXXX requiring ) Will Experian said that the verified it from XXXX XXXX but XXXX didn't respond yet. 
1 ) XXXX XXXX ( both items were deleted 2 ) XXXX XXXX : was deleted 3 ) XXXX XXXX : was deleted by Experian that put back on without proof. XXXX deleted it 2 months ago. 
None of the bureaus, creditors and collections have given me proof of what was ask in the letter attached. So, by law these items should be deleted if no proof was given. 
Also, I am veteran that is total disable all my check goes to my children for child support. But Veteran Adminstration trying to get my flat to rent but with that item on my credit report is causing a lot damage. Please help a homeless veteran.
Product: Checking or savings account

Someone opened or is trying to open a Chase personal checking in my name and it was not me. I recieved emails this morning telling me at XXXX and again at XXXX XXXX on XX/XX/2024. It was not me I havent even been on chase to open a account and I will never have a chase account. I have all the accounts I already use and happy with.
Product: Checking or savings account

A payment has been pending for longer than 30 days for {$210.00} from XXXX XXXX when I was told I will have the money back into my account automatically after 30 days. it had been 30 days, No one is helping me and my account is still missing my {$210.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I contacted XXXX about a false report of XXXX XXXX I was told that my XXXX XXXX  was paid off in full. I was apart of thXXXX XXXX XXXX XXXX lawsuit against XXXXXXXX XXXX who was found to have made false XXXX XXXX information to the federal government. The agent sent me the receipt and said they reported it to the credit bureau. Next thing I know department of defense takes over for XXXX  and reports I owed them money.
Product: Credit card or prepaid card

The Costco Anywhere Visa Card only allows redemptions of cash back rewards in store. This is very difficult during the COVID pandemic. They should allow an option to have the rewards credited to the account or to provide a gift card to Costco, for example. It should not be a requirement to physically go to a Costco to redeem, this puts peoples ' lives in danger in the current environment.
Product: Money transfers

Was scammed when buying tickets over the internet. Person used the phone number XXXX to communicate and also the email address : XXXXXXXXXXXX. Transferred {$3000.00} via paypal. Tickets did not arrive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you CFPB for assisting me in resolving this matter. To again summarize there is an account showing on my personal credit report from XXXX/XXXX for {$1500.00}. The unverified account from XXXX/XXXX showing a charge off of {$1500.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt- which illegal and outside the statue of limitations to collect on. I had previously disputed this account. I have never done business with XXXX/XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX/XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX/XXXXCease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 Balance : {$3500.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted several complaints with each bureau due to their lack of investigation or none AT ALL. At this point each bureau is in extreme violation and I am keeping stellar record of this and will be taking legal action if not resolved with a consumer attorney. Please refer to the previous disputes filed under complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX smart sales and XXXX transunion and XXXX is reporting different last active dates which is causing this account to re-age and this is a major violation and its being ignored. This needs to be removed immediately. 

XXXX or XXXX XXXX has not even been investigated AT ALL removed this are face legal action. Remove immediately. 

Please consider this my written authorization and attached is proof of my identity.
Product: Debt collection

i have mailed this company to get a 1099C & it's reported on my account that was written off and haven't heard back and it's been over XXXX days time frame. If this isn't off my credit soon i'll take legal action if needed. i called asking how much debt i owed them and was told it has been written off and they couldnt fix the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. CKS PRIME INVESTMENT ( Opened XXXX XXXX, 2019 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report, and I noticed the following hard inquiries dont have permissible purpose. I have attached the evidence XXXX  XXXX This inquiry does not have permissible purpose according 15USC 1681B XXXX XXXX This inquiry does not have permissible purpose according 15USC 1681B XXXX XXXX XXXX This inquiry does not have permissible purpose according 15USC 1681B