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

To : Transunion XXXX XXXX XXXX  XXXX, PA XXXX CC : Attorney General XXXX XXXX XXXXXXXX XXXXr, XXXX XXXX XXXX, PA XXXX CC : XXXX XXXX XXXX United States Attorney General U.S. Department of Justice XXXX XXXX XXXX, XXXX XXXX , DC XXXX TIME SENSITIVE MATTER! 
Dear Transunion, I, the consumer and natural man, was denied housing and transportation by several companies due to the inaccurate and unverified information you, Transunion, are furnishing onto my credit report. You are in direct violation of 15 USC 1681 ( b ). The law clearly states that you are required to have permission and written instructions from the consumer before you can furnish anything. Per Congress, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Transunion acted impartially towards me because you furnished inaccurate information, defaming my character and reputation, with no proof. In addition, you are in major violation of my rights to privacy. You are frivolously reporting unverified information which is directly affecting my creditworthiness and reputation. I am exactly XXXX weeks from having my very first child and havent been able to secure myself due to your inaccurate and false information as it relates to me. This is fraudulent activity. Congress establishes that the purpose of the Fair Credit Reporting Act requires consumer reporting agencies to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer. Late payments being reflected on my consumer report is neither fair nor equitable to me. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report within ten ( 10 ) days, and I demand that you provide me with concrete evidence proof that I have given permission for these items to be reported on my behalf as well as proof from the creditor. Proof should be signed and in affidavit form delivered by certified mail. 
Your failure to comply will result in civil liability Pursuant to 15 USC1681 ( n ). Also, your failure to comply will result in me pursuing civil for damages action pursuant to 15 USC 1692 ( k ) and 15 USC 1640 If you are unable to provide me with the above request within ten ( 10 ) days, Please Delete The following accounts from my consumer credit Report 1. XXXX XXXX  XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX XXXX Without Recourse UCC 3-415, Without Prejudice All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

Reached out to credit bureau to remove items off credit report. Provided proof of identity theft. Violation of 15 U.S Code 1681s-2 ( b ).
Product: Credit reporting or other personal consumer reports

There has been an identity theft on my Transunion credit report as someone is tried to apply for a credit card with XXXX XXXX  on XX/XX/year> using my SSN and other details without consent or knowledge
Product: Credit reporting or other personal consumer reports

Despite making this attempts to resolve these issues directly with the credit bureaus and creditors, I have been unsuccessful in removing the following accounts : I have disputed these accounts multiple times with the credit bureaus ( XXXX, Equifax, and XXXX ) and have contacted the respective creditors directly. Despite providing supporting documentation and evidence that these entries are inaccurate, my disputes have not resulted in the correct of these accounts from my credit report. The continued presence of these negative accounts on my credit report is causing significant financial harm and affecting my ability to secure credit and improve my financial situation. I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, and I am seeking for your assistance in resolving this matter. These accounts should be promptly correct immediately : XXXX XXXX XXXX XXXX Balance : {$260000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police XXXX identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via XXXX  mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX - XXXX XXXXXXXX XXXX XXXXXXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The 3 agency 's XXXX, XXXX, experian it's a dispute with them one XXXX. I have over 32 accounts opened.I want file a cease and desist letter on all three agency 's. See some debt collection I want to see all the orginal agreements with the proper seals and signatures issuing not photocopy .I want to use these codes for the false claims act they are 3729 15 us 1692g, repossession 15 us1601, collection 15 us 1692c, hard inquiries 15 us 162, and to discharged debt 1099 old and 1099a to cleared the debts on my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you. The XXXX XXXX XXXX XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loans and credit card account opened at XXXX XXXX  on XXXX under the account number XXXX # an a account opened at XXXX XXXX  on XXXX under the account number XXXX # .That appears related to the aforementioned These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the collections in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 case number # XXXX as proof from the US Federal Trade Commission that all of 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

A guy XXXX continues to call at my work, from number : ( XXXX ) XXXX-XXXX, this is a fraud account and need to stop calling at my work office. 

He calls my number at : ( XXXX ) XXXX-XXXX
Product: Credit card or prepaid card

I used my credit card at a gas station on XX/XX/2019 to fill up my car. I must have dropped my credit card on the ground, resulting in someone finding it and using at that gas station for a {$15.00} purchase. Additionally, they then decided to use my credit card at XXXX across the street and made a purchase of {$400.00}. 

I noticed this via text alerts about 20 minutes later and immediately froze my card and contacted Capital One to let them know that a fraudulent transaction occurred and I had lost my card after checking my wallet. While talking to a representative, I said something along the lines of, " Should I contact the police ''? They quickly dismissed that and told me not to worry, as their fraud department will be diligent in acquiring evidence. 

Days later, I received a credit back to my account for the {$400.00} and they told me that an investigation is in process. On XX/XX/2019 I discovered that they reissued the charge of {$400.00} to my account and I called customer service to get to the bottom of it. They told me that after investigation, they did not find any fraudulent activity, so they would not give my credit back for the purchase I did not make, even though on the website, it says customers have zero liability for any fraudulent transactions. 

I feel as though Capital One did not dilligently research the fraudulent activity, as I was swift to take action and report the crime. Additionally, they specifically told me not to contact authorities, which after talking to many people, it seems unethical. I am now forced to file a police report so that they can prove that there was, in fact, fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/19 shows an inquiries in which on XX/XX/19 I did not apply or request credit or anything from XXXX XXXX. There should be no inquiries been I not applied for any credit increase or a new card. Provide documents where I applied or requested credit from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Problems are twofold : XXXX XXXX XXXX XXXX XXXX XXXX XXXX never explained to Credit Bureaus the nature of problem nor did they ever update fact that issues wee resolved. # 2 - Now I'm working on buying a home & my Credit remains damaged. NOTE : Previously my credit was excellent - for years in the XXXX. The current Problems involve BOTH XXXX XXXX and the 3 major Credit Bureaus . 

Note : My XXXX card was rarely ( maybe never ) used. They charged an annual FEE ( {$35.00}. ). I wanted to cancel the card & simplify my life. I accidentally sent the cancellation request/s to the wrong address - so they kept sending me bills + late fees. Attached documents/letters should explain. 

Another Note : To complicate matters, the XXXX account included membership in the XXXX XXXX XXXX, owned & serviced by XXXX XXXX  XXXX XXXX XXXX. They were the ones charging the FEE, but XXXX sent the bills.
Product: Debt collection

I asked Collection Consultants of California to stop reporting on a medical debt for 1 ) it violated HIPPA and 2 ) it was past the statute of limitations in California, which is four years, and they can not try to collect a debt that is beyond four years old. They have refused to do so and are still trying to collect the debt. Therefore, I am making another complaint against them. It is against the law to collect a debt that is beyond the statute of limitations and violates HIPPA.
Product: Credit reporting or other personal consumer reports

Items on my credit file are inaccurate and have not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies for these debts nor can they place any item on my credit file. No Validated Proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND NET. 

TO INCLUDE : EXPERIAN XXXX XXXX ACCOUNTS IN DISPUTE : XXXX XXXX XXXX XXXXNo Signed Contract with this company to validate. 
XXXX XXXX XXXXNo Signed Contract with this company to validate. 
XXXXPaid in full/No lower settlement amount was agreed on. PAID FULL AMOUNT OWED-NOT a Collection-Charge-Off. 

There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been XXXX validations provided to prove accounts are valid. There are Several Inquiries on my credit file that I have XXXX affiliation with and have requested removal from all reports and nothing has been removed. This is harming my credit and has been detrimental to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute to Equifax. It is now XX/XX/2021 and the investigation has not been completed. This investigation has taken longer than 30 days. Equifax is now in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and XXXX has listed my XXXX payment as delinquent. My payment due date is the XXXX of each month and my XXXX payment was submitted on XXXX XXXX. It was not past due as indicated on my credit report.
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.

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: Debt collection

On XX/XX/XXXX around XXXX, I called NCB because at my bank 's request. I spoke with a gentleman to request a verification of the debts I allegedly owe. I asked if it could be emailed to me so that I could proceed with what I was trying to do and was told that could not happen. I provided a few other solutions and was told that could only happen if I made a payment arrangement at that time. I declined to do because I did not have the information I requested. I did not receive the information needed after about two weeks, so I called again but I have not been able to get an answer on the phone nor have I received the documentation I requested.
Product: Money transfer, virtual currency, or money service

While this is not the biggest issue in the world, It is very inconvenient. 
I am a crypto currency investor and I use the site known as eToro to buy and sell my coins. 
When I joined, it was extremely easy and adding money from my bank to my etoro account even easier. HOWEVER, today i decided to withdraw just a little back to my bank. To give you all the details of what I had to go thru may add an hour or more typing to this complaint. The best way to describe it is, I had to go thru both XXXX and XXXX XXXX to achieve my goal, Instructions not available, or different instructions depending on which part of the help page you ask. Very personal questions deemed as NECESSARY in order to complete form, and a number of other things, like difficulty locating certain applications, incorrect instructions, statements such as, If u use this method we can not guarantee the money will arrive to your destination, which caused me to think, well I better try the other method. The same message would be at the other method as well, so either way u r being told, if u withdraw we won't guarantee you get your money. These are just a few of the issues i had to get thru.. Now I have a fear of withdrawing my money later. It is not very much but it is all I have to invest I'm a senior citizen on a fixed income. Thank You XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus TransUnion, XXXX and XXXX. It has been 60 days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.
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 : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX has violated my rights. Or 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: Debt collection

I have been getting calls about a debt that is not mine. I just checked my credit report and found GC Services on it with an address of XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and a debt of {$140.00} turned over on XXXX/XXXX/15 ... interesting because I filed bankruptcy in XXXX, 2015. I think they are trying to collect for XXXX, but I have not been with XXXX in well over a year and do not owe them anything. The account listed on the credit report is shown as XXXX ... .I have no idea what the last XXXX numbers are. Nothing has ever been mailed to me so I really have no idea what this debt is for ... and I do not answer unknown phone numbers on my phone unless they leave me a voicemail telling me exactly who they are and what they want ... I am on a do not call list! I read on the internet review after review of how this company is a scam and I want them to pull off my credit report totally what they put on XXXX/XXXX/15 or I will send my bankruptcy lawyer their way. I do not owe this lousy {$140.00} no matter where they say it is coming from! Why is this scam company still allowed to do business when they harass people innocent people all the time? Shut them down!
Product: Credit reporting or other personal consumer reports

I was a victim of XXXX XXXX and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the XXXX  took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of XXXX XXXX. I am writing to request that you block the following Incorrect information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 's XXXX has violated my rights 15 U.S.C. 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.