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

Paid accounts, refinanced student loans shows as " closed accounts '' As I know closed accounts may negatively affect my credit health, so I am fighting to defend my reputation, I want TransUnion, XXXX, XXXX to DELETE all the paid and refinanced accounts to keep my reputation clean because I am serious about taking care of my credit.
Product: Payday loan, title loan, personal loan, or advance loan

I have called, emailed and chatted with XXXX  customer service agents multiple times in XXXX  requesting my new maturity date since I have been paying an additional $ XXXX. I have not received any call back or response through email or chat window.
Product: Money transfer, virtual currency, or money service

I have filed  XXXX  previous complaints. I want to make you aware of all the financial institutions involved in a current military scam, it is adverselyaffecting thousands of people.  XXXX  #  XXXX  and  XXXX  #  XXXX . This  XXXX  is about  Wells Fargo . As in previous complaints money is put into accounts and the pulled out of people 's accounts that are victims of this scam. The funds that pay and pull payments from other credit card account are always  Wells Fargo. I a m pretty sure that someone that works  at Wells Fargo i s providing the scammers, supposed  XXXX   of U nited States  XXXX ,  XXXX   XXXX   XXXX ,. I have filed with numerous government agencies to try to prevent other people from falling prey and becoming victims of this military scam. I have account numbers for accounts here. I also have names account numbers that scammers have you deposit into for other banks. I am more than happy to provide you with this information at your request. I also have names of potential family members of scammer and associates that could possibly be employees of  Wells Fargo. The sca mmer lives in  XXXX  CA, not all that far away fro m Wells Fargo HQ.
Product: Credit card

I was a XXXX  on a credit card account without my knowledge nor consent and I believe it dropped my XXXX XXXX without my knowledge. I used to be a XXXX  up until XXXX of XXXX. I was taken off the account. For some reason the bank added me back without my knowledge. The person who owns the account was also not aware of this. The person who owns the account tried to get their partner on their credit card account to be a XXXX  and my name was still on the account. US Bank told the owner of the credit card that they fixed it and I was off of the credit card. Their partner has a credit card with their name on it as proof. I do not know what date that was but I believe it would be in their records. Today, Monday, XX/XX/XXXX, I just logged in to see my credit score for the first time because it said that it had dropped. I was confused as to why considering I did not own a credit card. I saw and scrolled all the way down and it said I was still a XXXX  on the card. I called immediately and told them to take me off of the account. They did. The person who was helping me told me that for some reason I was added back. I told her the owner of the card and I were unaware of this and she essentially shrugged it off saying she didnt know. I asked her if the past XXXX years of my credit was reversible, considering this whole thing was without my knowledge and consent and all she did was explain to me what a shareholder was. Not taking responsibility for the companys mistake. Regardless if my credit score dropped for personal reasons or because of the owner, this should have never been an issue and I should have never been on a card I had not consented to. All phone calls should be on record with US Bank and so if they need to confirm any of this information that can look at what they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : 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 an account without my written instructions.
Product: Debt collection

XX/XX/2024 - I called the Law offices of Pollack & Rosen , P.A . at XXXX and spoke with a gentlemen who gave the name of XXXX. I advised I received a notice in the mail to appear on a XXXX  on XX/XX/XXXX about a charged off debt for XXXX XXXX. I advised him that I would like to work out arrangements. I gave him the XXXX XXXX : XXXX. He asked how much I could pay I explained {$100.00} a month and he asked if I could afford {$200.00} a month which would be for XXXX months to pay the remaining balance owed of {$4700.00}. I advised I could not. He stated he would mail a fact sheet to me at my home address which he verified and I never received the fact sheet which was explained by XXXX to include my income and debts to determine my ability to pay to work out a payment plan. 

XX/XX/2024 : I contacted the Law offices of Pollack & Rosen , P.A . at XXXX and spoke with a gentlemen who gave the name of XXXX. I explained I never received the fact sheet in the mail and again he said he would mail the fact sheet. He also mentioned that a judgement was going to be filed against me. He verified my address again and said he would mail the fact sheet to my address. I also asked for the managers name which he gave XXXX for my records. 

XX/XX/2024 : As of today Im filing a complaint because I received another Notice of Taking Deposition Duces Tecum In Aid of Execution to appear on a XXXX on XX/XX/2024 from the Law offices of Pollack & Rosen however I never received the Fact sheet I was promised and they refuse to accept the payment arrangement that Im willing to pay. Also this account charged off with XXXX XXXX and by law according to the IRS I should have received a 1099 cancellation of debt when this account initially charged off. In addition the law offices representative who I spoke with has yet to send the information requested and Im requesting that all collection activities be ceased as result of XXXX XXXX not following the law to provide a 1099 and the attorney office promising to mail a fact sheet and has not provided the information. As well as telling me a judgement is going to be filed against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i am trying to get the credit reporting companies to stop reporting false information on my reports.The three major reporting companies all show multiple errors on my reports.I have repeatedly asked to have the items verified that are incorrect and i am just been runaround for over a year now.I have sent certified notorized letters demanding proof of verification as they are under a legal obligation to do so.I have been lied to by all three companies.I have been told that im not giving them adequite time to verify.You have by law 30 days and i have been disputing the same errors for well over a year.I received no responce from any one of the companies with the certified letters sent the first of XXXX XXXXThat alone violates the laws governing their right to report unverified information.How can you say its been verified when you all show accoubts that were never late yet you show derogatory payment history.Some of these accounts are over ten years old and have had XXXX balances for 6 or 7 years but yet you show it as derogatory with numerous missed payments and you show the last reported date as like XXXX XXXXHow is that possible on an account that has been paid off since XXXXYou all have notified me that you verified this information.But you have not or you would see you are in violation and reporting false information that is hurting my ability to survive.Lets look at the XXXX XXXX  all three companies have been showing it as XXXX for XXXX years or so and i have repeatedly disputed this .You show it as a 60 month term.If you look at your own report you will see that i have had that account for 22 years, Also it is current and no past due balance is true.So again false information that you repeatedly claimed to have verified.Also a company called XXXX XXXX  has repeatedly had hard pulls on my credit that i have not ever authorized.I have never had any loans with them other then one of my credit cards is through their company and credit karma uses them for offering loans that i never asked for.They show over 19 hard pulls on my report with them alone.How can this happen if you are following the laws.The Texas staute of limitation on debt is four years but you have multiple ten year items reported on my reports.How is it possible that you actually verified the information like you have repeatedly stated to me.I am ghoing to contact an attorney and sue for the numerous damages that are being caused by your false reporting of unverified information.This will be my last attempt to handle this ourselves.If it is not done correctly with actual verified information and all others removed i will be forced to file a lawsuit and seek compensation for damages.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently received a copy of my consumer report and discovered numerous inaccuracies in the negative accounts reported. This has not only negatively impacted my ability to obtain credit, but it has also shattered my trust in the banking system. I have been denied credit cards and home loans due to these inaccuracies, which have not only tarnished my reputation but have also taken a toll on my mental and physical well-being. There is no law that mandates consumer reporting agencies to provide information about a consumer, which is why Congress outlined the importance of this role under 15 USC 1681 ( a ) ( 3 ). Furthermore, your company has failed to uphold fairness and respect for my privacy as specified in 15 USC 1681 ( a ) ( 4 ).

I am requesting valid proof and documentation that these negative items were thoroughly and fairly investigated. Additionally, please provide details on the system and criteria used by your company to verify transactions. Your actions appear to be in violation of several federal laws, including those that protect consumer privacy. I am giving your company the opportunity to rectify this situation by deleting these fraudulent accounts as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and my personal information is incorrect. 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802. I am now, immediately and indefinitely, OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to TRANSUNION, XXXX AND XXXX written, unwritten, verbal or nonverbal to report my nonpublic personal information to a third party. 

TRANSUNION, XXXX AND XXXX terms and conditions, they agreed not to share my information with non-affiliates. The alleged personal information on my credit reports are from nonaffiliated of TRANSUNION, XXXX AND XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB, and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. 

Per the Federal Credit Reporting Act as a federally protected consumer, per 5 U.S. Code 552a ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be. I never gave written request by, or with the prior written consent. Per 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 

This is the only authorized personal information that I consent to have listed on all credit reports : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PHONE : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Original Creditor Name XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepared 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information 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 the 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 modifed 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is inaccurately reporting my loan payments as 30 and 60 days late and they were not. The amount I paid was paid on time but was more than the monthly payment because my escrow amount changed. I contacted them as soon as I noted the error and each time they told me that it was being corrected. They put my money in unapplied and never credited my account. I continued to call and each time they told me that the account was being corrected. They never corrected the account and actually sent my payments back. I had to deposit the checks they sent to me in my account and then make my payments over the phone. I have documentation from my bank showing that the payments were made on time and also of all my conversations with the mortgage holder. I simply want the inaccurate late payment flags removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Request for Updated Paid Account Information I am writing to request your assistance in updating my credit report to reflect the recent payment and closure of an account. I have recently settled the outstanding balance on my account with XXXX XXXX and would like to ensure that this information is accurately reflected in my credit history. 

I kindly request you to update my credit report and indicate that the account has been paid in full and closed. It is crucial for me to have an accurate credit history as I continue to manage my financial affairs responsibly. 

Should you require any additional information or documentation, please do not hesitate to contact me. I am more than willing to provide any further details necessary to expedite the process. 

Thank you for your attention to this matter. I sincerely appreciate your prompt action in updating my credit report with the accurate and current information.
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 XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX 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 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: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Update to Open/Never late 3. there is some inaccurate information reporting XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete from my credit report. 

5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 

6. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Account Number : XXXX Update to Open/Never late 9. there is some inaccurate information reporting XXXX XXXX XXXX Account Number XXXX XXXX Delete from my credit report. 

10. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$6600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible. 

1. Identity Theft XXXX XXXX  Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft GS BANK USA Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

Discover Bank : this card was opened fraudulently, and I don't know anything about this card I saw this on my credit card my statement, and I went to file an alert with XXXX and I noticed this activity and 100 % of it is fraudulent! XXXXXXXX XXXX : this credit card was opened 100 % fraudulently, And I believe someone stole my identity from the IRS and filed a tax return in my name twice I put it personal filing PIN on my IRS account and when I went back on to my XXXXXXXX XXXX I saw multiple items that were opened up that I do not have anything to do with! XXXX XXXX  : this account was opened up 100 % fraudulently when somebody got my passport and a copy of my ID in California and was able to file IRS tax returns in my name, this was before I got a personal filing PIN and they continue to open up accounts using my identity and all of my information I had my purse stolen with mail in it my passport and ID in California years back and they have been opening accounts in my name, and I'm ready to put a stop to it and get my account 's back on track! XXXX phone company : somebody stole my identification card and was able to go into the phone store and open up an account using my ID and I am very upset about this because they should have checked it and looked into it and not just let somebody use it I would like this removed please!