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

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Charge Card Balance on XX/XX/XXXX XXXX XXXX - {$850.00} Payment Info Status date XX/XX/XXXX This past the 6-year statute of limitations to collect on an account required by Georgia law XXXX I have asked them to remove it on more than XXXX occasion and I have filed a dispute with the credit the MAJOR credit reporting companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute to TransUnion about the following accounts : XXXX CARD ( Date Opened XXXX XXXX, XXXX, Credit limit {$7100.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX XXXX XXXX ( Date XXXX, Credit limit {$1800.00} ), and XXXX CARD ( Date Opened XXXX. XXXX, XXXX, Credit limit {$10000.00} ). It's been over 5 months since I send the disputes and till this day TransUnion have not respond as they are obligated by Federal Law. Attached is the dispute I sent to TransUnion on XX/XX/XXXX.
Product: Credit card or prepaid card

on XXXX the XXXX someone withdrew XXXX dollers on my unemployment card the got my info somehow and stole my card info and becuase bank of America does not protect there unemployment people very well and so i filed a claim with them to get my money back the sent me a new card when i went to activate it said account froze its been two months and still dont have my card unfroze i have sent my verifaction to unemployment and and still nothing eveeytime i call unemployment or bank of america its somthing diffrent everytime its hust back and forth this is crazy i need my money im so far behind on bills rent and barrowed from family just to get the little things we need i have thousands of dollers on my card and cant even access my account to pay anything this is such a hardship we are already in a pandimic facing hardship then for them to hold my money is not ok i cant even go look for work becuse im dealing with a sick child on and out of the doctors all the time please i beg for help with getting my accvpunt going again please please and also is 5here a class action lawsuit i can do if u could please get bavk to me at XXXX again my name is XXXX XXXX from XXXX XXXX nv
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit BureausXXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act XXXX account : XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX  {$400.00} XXXX {$1400.00} XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX {$350.00} XXXX {$350.00} XXXX XXXX  {$1400.00} XXXX {$1100.00} ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice that a creditor had denied me because of a fraud alert on my equifax credit report. I talked with equifax and they say there is not fraud alert at all and i should be fine. I logged into my equifax account and it does show that i have an extended fraud alert on there. They still say i dont when i call. I need this to go away and the problem to be fixed. I guess htey can not see their own alerts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Discover about a ghost transaction that was not showing up on my credit card statement as Pending or Posted, but was showing a transaction on Discover 's end. The amount was for {$80.00} and so I spoke to XXXX from Utah Call Center at approximately XXXX on XXXX and I explained what happened after I got a declination from Discover. I informed her, that while I do keep track of my charges, I was not going to keep an XXXX spreadsheet of miscellaneous and unplanned charges due to the fact that it was a credit card and not a debit card. I have a Pdf for the CFPB if there is a way to upload the printed and scanned documents to show the discrepancies in the account balances. It was not an XXXX issue, as they will not ship the items until the billing was approved by a credit or debit instrument- it was and is Discover 's fault for the declination of {$61.00}, because as I said, I was not going to go through both systems to see which transactions were listed on each account when I know that XXXX will not ship an item unless the item was paid for using either method.
Product: Debt collection

I XXXX XXXX have made a few mistakes over the past several years, whereas I could not maintain continuous employment and thus went into default on several debts. Therefore, I desire to make amends to several creditors if indeed a debt is still legally owed. I desire to settle all accounts that are within legal limits to be collected against a citizen of the Commonwealth of Massachusetts. If any of these past obligations are no longer enforceable, then I respectfully request a release of obligations. I report this request through the Consumer Financial Protection Bureau as I believe my rights to privacy will be protected through this agency as it has oversight of the Fair Credit Reporting Act. 
Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and while remedying the effects, I have ordered my Chex Systems report. On this report there is an account with XXXX XXXX  that was not opened by me. This account was opened fraudulently. I have submitted documentation to Chex Systems and the fraudulent account is still reporting on my Chex systems report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to EXPERIAN there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 U.S.C. 1681B ( 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: Debt collection

Company attempted to collect a debt stating we were paid twice for services rendered. After multiple attempts at debt verification and failure of company to provide any proof, the company then amended the complaint to allege we received payment but did not render service. Still can not provide any verification of monies owed
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX character format fielded XXXX statements, pay status codes, alpha-/ XXXX and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal XXXX ( XXXX ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX of XXXX XXXX : XXXX - XXXX - Verify this belongs to me. 
XXXX - XXXX - Verify this belongs to me. 
XXXX - XXXX - XXXX this belongs to me. 
XXXX XXXXXXXX - XXXX - Verify this belongs to me. 
XXXX XXXX XXXX XXXXXXXX - Verify this belongs to me. 
XXXX - XXXX - Verify this belongs to me. 

Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : PERSONAL INFORMATION INCORRECT : Incorrect Name - XXXX XXXX XXXX- The personal data reporting is inaccurate. 

Incorrect XXXX - XX/XX/year> - The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX The personal data reporting is inaccurate.
Product: Money transfer, virtual currency, or money service

I sent money by cash app. The person i sent it to has changed their number and is no longer talking to me. I have asked for a refund but they refuse to refund my money. I have explained everything to them but all i get is a general reponse saying they do not do reunds. They are holding {$260.00} dollars.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account for XXXX XXXX XXXX  is fraud and has below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  ; 60 days past due ; OpeXXXX date XX/XX/2021 ; XXXX. I have never been affiliated with this company. 


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. Additionally, I don't know this debt.

U.S.C. 1681 c ( a. ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s22 ( A ) ( 1 ) A persons 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: Credit reporting or other personal consumer reports

Prior to the pandemic I opened accounts with XXXX and XXXX XXXX. When the pandemic occurred, I called both lenders and expressed my hardships along with making accommodations to pay and close the accounts. I recently viewed my credit report and both lenders are reporting late payments on closed accounts. This is in violation of FCRA law 15 USC 1681 S-2 ( F ). Not only were these payments covered under the CARES act, but I've paid as agreed and closed both accounts per my request. I reached out to both CRA ( XXXX and Transunion ) via phone and mail requesting that this information be reported accurately. I have not gotten a response to my request. This information reporting inaccurately is severely affecting my ability obtain lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is a fact that I am a consumer. 
Inquiry from XX/XX/XXXX by XXXX XXXX is being reported on my consumer report by TransUnion. I have contacted credit reporting agency ( TransUnion ) of this matter on XX/XX/XXXX via telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS UNLAWFULLY FURNISHING PUBLIC RECORD NO.XXXX ON MY EQUIFAX IN ERROR AND HAVE DISPUTED SINCE XX/XX/2018. SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently realized my identity had become compromised and that I had become a victim of identity theft. I reached to all three of the major consumer reporting agencies to file a dispute an to submit an identity theft report as instructed by my local law enforcement agency. I included a copy of my drivers license, utility bill, and social security along with an updated copy of current address, name, and etc. I also was sure to include in the identity theft report a list of the fraudulent addresses associated with the fraudulent accounts to make sure the were removed from my credit file. Some of the accounts in question, being the identity theft report would only allow me to list 5 are 1.XXXX/XXXX  XXXX  XXXX  # XXXX, 2. XXXX XXXX XXXX  # XXXX, 3. XXXX # XXXX, 4. XXXX XXXX XXXX  # XXXX, 5 XXXX # XXXX. I received a vague notice from Transunion Report # XXXX stating they were not able to honor my request due to my documents not being ledgible. I find this unacceptable due to fact it was legible enough for Transunion to mail this bogus response back to me.This This highly unacceptable when I provided Transunion more than the required documents and in addition Transunion has not provided any proof nor has provided any nor accurate verification period. Anyone who would have access to my personal information would be able to fraudulent open or establish accounts in my name. Transunion has violated the Fair Credit Reporting Act sections 605b, 609, and 611. I have sent Transunion more than enough of supporting documentation supporting my claim and yet these fraudulent accounts sill remain on my credit file. My consumer rights have and continue to be violated, not to mention denial of credit from creditors continues to be an issue.
Product: Credit reporting

I have been disputing numerous accounts that has been reported on my credit profile for awhile now. None of these corporations has been able to verify nor validate these accounts to me but somehow Experian stated that they have been verified and validated ; which is not true which is a violation of the FDCPA providing false and misrepresentation of information. They sent me a letter dated XX/XX/2017 stating that they will not reinvestigate the information but has failed to send me any documentation to verify and validate these accounts and has continued to report this information on my credit profile which is another violation of FDCPA. I have never given Experian the authority to report my personal private information which is IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX 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 inaccurate information on 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

In XX/XX/2023 unauthorized and fraud charges were placed onto my account ( authorized user account ) in a foreign country where I was never there. 

Reported this to XXXX XXXX, account ending XXXX, and they sent out a letter after the investigation stating I would not be liable and that the account is closed. Unfortunately not all the credit bureaus are on the same page. Therefore it is still reflected negatively on my Equifax report which is causing my otherwise credit score to take an unfair dip and also reflects a balance amount that is delinquent but not mine. 

Again, this has been reported to XXXX XXXX and I also filed a report to the Identity Theft agency. Ive attached all the letters and documents to that stated facts. 

This inaccurate reporting has caused my otherwise perfect credit score to take an unfair drop in the score which could impact my ability to obtain credit, if needed for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I received a letter stating They DO NOT Report any bankruptcies to anybody. So if thats the case. How did the credit bureaus edify my bankruptcy as 100 % percent Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 ( 3 ) ( E ) States ; The term investigate 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 persona ; interviews with neighbors, friends, or associates of the consumer reported on or with others with he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

The Fair Credit Reporting Act is the law that controls credit reporting companies. The law states that credit reporting companies may not report a bankruptcy case on a person 's credit report after. 15 U.S.C. 1681 ( c ) They also violated my rights numerous times. Including but not limited to being approved for loans due to this error information on the credit file.

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C. 1681 section 602 A. States, I have the right to privacy.

According to : 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 According to : 15. U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card account from Navy Federal credit union is not reported to XXXX and XXXX credit bureau as XXXX is reported. 

I am still waiting on this account record to be updated to reflect accurately on my credit report. 

Please Help! 

I notified Navy Federal on letter dated XX/XX/XXXX. 

I notified XXXX and XXXX on certified letter dated XX/XX/XXXX. 


I have enclosed documentation and my authorization to investigate this matter.