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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office I HAVE RECENTLY BEEN DISPUTING FRAUDULENT LOAN ACCOUNTS THAT ARE MY TRANSUNION CREDIT REPORT AND THESE UNAUTHORIZED LOANS ARE STOPPING ME FROM BUYING A HOUSE FOR MY FAMILY ALONG WITH CAUSING MAJOR DISTRAUGHT I HAVE BEEN A VICTIM OF IDENTITY THEFT I HAVE FILED MY FTC REPORT ALONG WITH MY POLICE AND I HAVE SENT ALL OF THESE DOCUMENTS AND THEY ARE ALL DOCUMENTED AND ON FILE AND THESE FRAUDULENT ACCOUNTS ARE STILL COMING BACK VERIFIED AND I DONT UNDERSTAND WHY ACCORDING TO THE FAIR CREDIT REPORTING ACT THESE ILLEGAL FRAUDULENT UNAUTHORIZED ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY FOR I HAVE TAKEN LEGAL ACTION WITH MY ATTORNEY TO ASSIST IN MAKING SURE THAT TRANSUNION FOLLOWS THE GUIDELINES OF THE FAIR CREDIT REPORTING ACT THE FOLLOWING ACCOUNTS NEED TO BE REMOVED IMMEDIATELY XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received my credit report, and it stated that I opened an account with Eastern Account System on XX/XX/XXXX. I never opened and account with your agency on that date. I never signed a contractual agreement with Eastern Account System for {$260.00}. It's showing up as delinquent on my credit report for creditor : XXXX XXXX 

I called XXXX XXXX on XX/XX/XXXXXXXX  and they shared that my account was sold to Eastern Account System and XXXX who are collection agencies. I was never made aware of my account being sold to two collection agencies without my consent.
Product: Debt collection

They need to get in contact with XXXX care. Cause I'm on it. So I don't understand why they have this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : 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 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Experian on XXXX and XXXX and they continue to ignore my disputes of inaccurate and unverifiable information on my credit report by ignoring me. I feel violated and it has defamed my character while in the process of purchasing a home for my family. I have written to Experian several times and it has been over 60 days since my first dispute. This was not sent in error, I am a consumer by law and my information is being misused. The two account amounts of XXXX and XXXX are totally inaccurate and they have not verified it by showing me how they came up with those amounts. My information was also impacted by the XXXX data breach.
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB Complaint for the XXXX time to follow up the addressing of the specific inquiries, in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the XXXX, Transunion, and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft The Inquries are Bellow : 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 Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. 

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

XXXX, XXXX, Transunion, XXXX XXXX, and XXXX XXXX are refusing to remove this inaccurate information from my account. To date as of XX/XX/2023 I have not received any documents providing the requested debt validation items they should have within their files as they've only stated the information they have is correct. How is the information correct, what information do you have within your system, who completed the application, where is the credit card application, send every single file and not a credit card statement. 

Credit Bureaus REMOVE this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother and I paid on a monthly basis for credit repair plan with Lexington Law Group Credit Repair Agency. This company scammed us, they did nothing but ripping us off every month. Never provided credit repair service. Company cheated us through misleading false advertisment and solicitation. When we signed up and continued to make payments over {$120.00} monthly, these fraudsters and cheaters lied us, defaulted in their services as described in their false advertisement. Subsequently our credit scores remained the same, by causing us significant long term financial harm of high importance. As a result of our unrepaired credit scores we were denied personal, auto, business and home loans.
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I took out a personal loan with firstmark in the amount of {$29000.00}. When I ran into some financial difficulty, I contacted the company and was directed to go to XXXX XXXX XXXX I told Firstmark I didn't take out a student loan, so I was unable to complete this form to request help. They told me the personal loan I took out was actually a student loan. 

I am wondering how it could be legal for a company to claim that the loan they gave me was a student loan, not a personal loan. I haven't been in school since XXXX. I wasn't asked for, nor did I provide, any information ( name of school/graduation date/etc ), so I don't know how this is considered a student loan. Was I given this loan under false pretenses, and if so, is it still binding? I was able to secure a 3 month forbearance on the loan, but I'm now questioning the whole thing. 

I'm not sure the company will give me a straight answer, since I questioned them and was just told " this is a student loan ''. 

Please let me know if this is legal, and if not, what are my options. 

Thank you so much, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX Equifax XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX DATE XXXX  ( YOUR VIOLATING MY RIGHTS ) 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. 

XXXX ACCOUNT # XXXX has violated my rights. 
Please remove from my credit report immediately 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.

15 USC 1692b ( 5 ) Not use any language, symbol on any envelope that indicates that the debt collector is a debt collector. Meaning if a there is a symbol which is shown the debt collector have which is a huge violation.

15 USC 1681b ( A2 ) Without written instructions i never you gave anybody written information to put anything on my credit report. I never wrote up anything saying I gave a creditor permission to report anything on my report. Which means the account shouldnt be there.

Under 15 U.S. Code 1692k - Civil liability I Demand 1,000 dollars for each violation as you have caused severe damage to my character. ( a ) Amount of damages except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office, and The XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15-day timeframe you have. 
You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages along with the violations you have already committed. The invoice will be attached to this Letter Thank you. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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
Product: Debt collection

On XX/XX/XXXX a alleged court officer claimed that there was seizure order on my vehicle from a fraudulent case XXXX where a company I had no contact with XXXX XXXX XXXX filed a case in XXXX. I called XXXX XXXX XXXX Police they came checked for warrants found none but still allowed clearly fake court seizure. For some reason neither my legal service, nor any lawyers would defend me. I filed insurance claims called lawyers and received strange responses including mailed request, This had been a year where constant bank errors, XXXX XXXX, credit cards being cancelled without cause, constant calls requesting another person etc. I filed response and finally another law firm sent me s certificate of Satisfied judgment from a Midland Funding LLC for another fraudulent case number in another court area I didnt live in, case number XXXX in XXXX XXXX XXXX XXXX A case was dismissed with that case number for fraudulent filing. In spite of several companies being involved with proof from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd several credit card and XXXX XXXX XXXX Police, my Civil Liberties was being violated and monies stolen in phone calls from XXXX and XXXX and Xfinity were clearly being redirected. I have documents to prove items but with is very much Shady event as a result many agencies seem to be trying to protect reputations instead of my rights.
Product: Checking or savings account

I have tried multiple apps today XX/XX/20 to connect my bank to and they wont let me attach my bank to them. I left XXXX XXXX and started with them and I can not use plaid to connect my bank to the apps that I had been using with XXXX XXXX. I think this is XXXX. Its my money and if I want to connect my account to something I should be able to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Dear CFPB I am writing to formally dispute the inaccurate reporting of my name on my Equifax credit report, a matter I have previously addressed with Equifax but remains unresolved. 

For your reference, my correct full name is XXXX XXXX XXXX However, my credit report incorrectly lists my name as XXXX XXXX I have previously communicated this issue to Equifax and provided them with sufficient documentation to verify my correct name, yet the inaccuracy persists. The following documents were submitted to Equifax to validate my correct name : Copy of My Passport Copy of Social Security Card Copy of Utility Bill/Bank Statement Under 15 USC 1681i ( b ) ( 2 ), I kindly request your intervention to ensure Equifax corrects the reported inaccuracy and updates my credit report accordingly. Additionally, please send me a corrected consumer credit report once the issue has been resolved. I also request that Equifax reissue the corrected version of my credit report to all parties who have received my credit report in the last six months. 

Please confirm receipt of this letter and inform me of the actions that will be taken to rectify this matter. I trust that the CFPB will handle this with the utmost urgency to prevent any further inconvenience or potential negative impact on my credit rating. 

Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

I had a Wi-Fi account set up with XXXX XXXX in XXXX of XXXX. It was my XXXX XXXXXXXX XXXX XXXX, and me and my XXXX roommates decided to go with XXXX for a 1 year wifi contract. We were under the assumption that, as per the contract agreements, this would be a one year contract ( XXXX XXXX XX/XX/XXXX ), and would be automatically terminated once the year was up. Fast forward a year later ( XX/XX/XXXX ) - we moved out of our apartment that had the XXXX wifi setup, and assumed ( as per the original contract signed ) that the account would automatically shut off. A few months later ( XX/XX/XXXX ) I received an email from XXXX XXXX informing me that my credit score had taken dropped. I was very supervised and appalled to see a XXXX point drop ( from an initial score of around XXXX to XXXX ). I was also very confused to see that this was because of an outstanding debt collection from a company I had never heard of in my life ( Radius Global Solutions ). I was even more confused as to what this debt could even be from, as I have always paid off my credit card bills, rent/ utilities/ wifi on time, have never missed a loan payment, and have held an outstanding credit score of XXXX. After investigating this debt collection, I was very surprised and disappointed to find that XXXX had never stopped charging us for our wifi bill that was supposed to terminate in XXXX of XXXX. I called XXXX, and they informed me there was nothing they could do, as they had already sold the debt to the collection agency. I eventually ( XX/XX/XXXX ) paid the debt in full. I am very disappointed about this for many reasons. I had never received any emails from XXXX  requesting to be paid. I also never received any emails stating that I would be put into collections. I had been contacted by Radius Global Solutions a few times via phone, however, any time they called, they always called after business hours ( XXXX - XXXX ) and never specified exactly who they were. In fact, everytime I received a call, it was from a number I'd never heard of before, and the call was simply a strange and cryptic robot voice, stating that I owed money. I honestly just assumed it was a scam call. I am a man of principle. I understand that some of this responsibility lies on me, and I'm more than willing to admit that. That is why I was willing to pay this debt to the collection agency. However, I am a man that is also willing to stand up for myself when i feel it's right, and I personally don't believe that a XXXX point credit score drop should remain on my credit report. If XXXX and Radius Global Solutions would have made better attempts to contact and communicate this issue to me, I would have happily paid either of them in a timely manner, but they didn't, and instead resulted in an enormous credit score drop because of a costly miscommunication.
Product: Debt collection

I logged into my XXXX  account and noticed that I have a XXXX collections but I have never opened an account with them. I have not received a collection letter at my address either.
Product: Credit reporting or other personal consumer reports

I have worked hard to fix my credit and it took years to repair it. Ive paid all of my debts in full but some of the debts on all XXXX are not updated nor it is removed. It should all be clear from any debts. Ive requested to update and removed but was informed it has to stay. I also submitted paper work or receipts of payment in full. Some remained on my report.