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

XXXX XXXX XXXX XXXX is STILL reporting my XXXX account as having been late in XX/XX/XXXX 2017. I 've disputed this with the three major credit bureaus, but it keeps coming back as " verified '' even though I downloaded my payment history directly from XXXX 's website and attached it to each dispute. I will attach it again with this complaint.
Product: Credit reporting or other personal consumer reports

in XXXX I requested a defer payment XXXX agreed I've been paying on time as you can see my payment history, they have reported I didn't pay for 60 days I was given a defer payment for I have paid this account on time they have inaccurately reported my payment history
Product: Debt collection

Subject : Follow-Up Complaint Regarding Privacy Concerns and Unresolved Issues ( Complaint ID : XXXX ) To Whom It May Concern, I am filing this follow-up complaint in reference to my original complaint, ID XXXX, which specifically addressed privacy concerns related to Outsource Receivables. I am deeply concerned that my initial complaint was closed without properly ensuring that the issues I raised were fully investigated and resolved. 

As stated in my original complaint, I have serious concerns about the unauthorized use of my personal information, including my Social Security number, by Outsource Receivables, a company with which I have never conducted business. The Consumer Financial Protection Bureau closed my complaint without verifying whether these privacy concerns were addressed. 

Additionally, after reviewing the attached document from Outsource Receivables, I now have further concerns. The document merely states an amount owed but provides no itemization or breakdown of how this debt was incurred. It fails to explain the origin or nature of the debt, leaving me without any clarity as to the legitimacy of this claim. 

I am requesting a thorough investigation into both my original privacy concerns and the lack of transparency regarding the debt mentioned in the document. I also request that the CFPB ensure that Outsource Receivables provides a detailed, itemized explanation of the debt they claim is owed. 

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure my concerns are appropriately addressed this time. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Cbna XX/XX/XXXX Account not mine need to be remove off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Written requests have been submitted to the XXXX Credit Bureaus via Certified Mail and online to inform that this account with XXXX Bank, with account number XXXX and Credit Limit of {$3.00}, XXXX was never authorized. The bank was never permitted to open an account with the given information unless my personal requests are met. I believe they have understood my requests but as I checked my Credit Report, the account is still reporting with a closed status. I have instructed the Bureaus and the Bank to remove it from my Credit Report but they have consciously and continuously doing the same thing. I am doing my best to make my profile cohesive with and in good standing but the Bureaus and XXXX Bank 's actions are trying to ruin it.
Product: Credit reporting or other personal consumer reports

I previously filed a complaint against Experian XX/XX/2023 disputing the accuracy of unauthorized and fraudulent inquires listed on my credit report. Experian closed my complaint # XXXX attached stating the following : Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). 

I am now requesting the procedures used to determine the accuracy and completeness of the information disputed in my previous complaint # XXXX, including all documentation in connection with the disputed information.
Product: Checking or savings account

AceFlare  Account XXXX, Netspend closed my account at the beginning of XX/XX/2021. They closed it due to disputes from a company that I called numerous times to stop billing my account but they kept billing it. They closed my account without my foreknowledge when I went to use my card it was declined. I called them and they explained that my account was closed but would not elaborate. I assume it was for filing a dispute since there was absolutely no other reason for it. I was told they would mail me my available money in a few weeks. This is coming up on almost 2 months and I have not received my forms. This company is a deposit account and there is no way to call them if they close your account because you must put in a valid account number and if you do not have a valid current account you will not have the ability to speak to anyone. My checking account was XXXX and my savings was XXXX while that's not much it is still mine. They do not tell you they closed your account you will not find out until you try and use the card. I have had several bills unpaid because of this. ACE FLARE ACCOUNT by XXXX  I don't remember my account number and when they close the account all access to it ceases. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 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 four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 one 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 Experian 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, 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

XXXX XXXX, is reporting a wrong account in my credit report that i dont recognize as mine this a fraud ..I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Product: Credit card or prepaid card

My wife and I both Applied for the Barclays XXXX XXXX XXXX Master card on or about XX/XX/XXXX. On the website and in the terms and conditions it stated we would receive XXXX bonus miles after we spent {$500.00} with in 90 days. I had my card rushed delivered and received it on the XX/XX/XXXX. Upon receiving the card the documentation that came with the card stated on XXXX miles upon spending {$500.00}. I immediately called Barclays to address the conflict between what I signed up for and what I received. The agent was very helpful and she and I walked through the web links, which I screen shot for future reference, and she agreed that it did say XXXX miles but she needed to open a case. When my wife received her card it was the same issue. After no response other than a message stating the issue was being looked into we called again on XX/XX/XXXX and again explained the issue with both cards. The agent at that time said the cases will be reviewed and they would get back to us. Each of received a letter on XX/XX/XXXX stating " We're currently unable to assist you with your rewards issue. '' The case # s are as follows XXXX and XXXX. With the case numbers being consecutive it tells me the original agent never opened a case for myself as if was going to fix it self.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute with XXXX XXXX XXXX XXXX Experian on many occasions trying to get my personal information removed & they refused to remove it. And account to 15usc1681 I didnt give anyone written permission to furnish anything on my credit report.
Product: Checking or savings account

BofA decided to close my account. I received a deposit while account was " restricted '' BofA from XXXX until XXXX XXXX BofA CSR 's told me I would receive a cashiers check and it would be mailed on the XXXX. When i called on the XXXX BofA then informs me they can not mail me anything until the claims on my business accounts are resolved. so I had to close the claims totaling XXXX and lose any chance at getting it back just to get the money BofA is holding hostage. I have no access to my money and everyone I talk to seems to give me misinformation. I NEED MONEY FOR MY BILLS. BofA is a criminal enterprise
Product: Credit reporting, credit repair services, 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 Has violated my rights 15 U.S.C 1681 section 602 A. States 1 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 1 5 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, credit repair services, or other personal consumer reports

identity theft XXXX my FAFSA college XXXX. Security at XXXX informed me showing me my account was compromised therefore resulting in my termination due to {$14000.00} at risk that very minute XXXX credits 2 1/2 yrs gone I appealed forgiveness from government but no longer have proof it was forgiven. 
My info XXXX XXXX XXXX XXXX XX/XX/XXXX current cell # XXXX Email : XXXX Would like copy of my identity theft file and for someone to please contact me I have several issues still attacking my identity to much to write about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am a victim of identity theft, as a results of it multiple fraudulent accounts have appeared on my credit report. I have reached you regarding it several times - but unfortunately these accounts are still on my report without any changes. So I had to submit this complaint on your company in order to get some results. Please remove following fraudulent accounts from my credit history : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Thank you
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute multiple inaccurate and unverified collection accounts that are currently listed on my credit report. After reviewing my credit report, I have identified several accounts that I believe are being reported incorrectly and that I suspect are not substantiated by proper documentation. 
The accounts in question are as follows : 1Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : {$2300.00} Date Opened/Reported : XX/XX/XXXX 2Account Name : XXXX XXXX XXXX XXXX 
Account Number : XXXX Reported Balance : {$860.00} Date Opened/Reported : XX/XX/XXXX 3Account Name : XXXX XXXX XXXX 
Account Number : XXXX Reported Balance : {$7300.00} Date Opened/ Reported : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : {$2700.00} Date Opened/ Reported : XX/XX/XXXX I am requesting that you validate the accuracy of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., which mandates that all information provided to credit bureaus be accurate, complete, and verifiable. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am entitled to request that you cease reporting any disputed debts until proper validation and verification are provided.

As part of my dispute, I am requesting that you provide the following documentation for each of the disputed accounts : 1The name and contact information of the original creditor for each debt.

2The amount owed, the date the debt was incurred, and any payments made toward the debt.

3The specific method and date by which each debt was verified as accurate.

4Any written evidence or documentation supporting the existence of the debt.

5Proof that the collection agency or creditor has the legal right to report the debt to the credit bureaus.

If you are unable to provide sufficient verification for any of the disputed accounts, I request that you remove or update the information accordingly. Failure to validate and substantiate the debt as required by law should result in the immediate removal of these accounts from my credit report.

Please treat this letter as a formal dispute of the accuracy of these collection accounts. As stipulated in the FCRA, I expect a response within 30 days of your receipt of this letter. If you are unable to verify the information, I request that the accounts be removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your timely response and the correction of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with XXXX XXXX is inaccurate, fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX account : Please remove all of the inquiries as stated above, as they are listed below from Equifax report. The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting

Experian has reported an inaccurate account from XXXX on my file that does not belong to me and should be removed. The original creditor is XXXX and reporting on my report as XXXX.
Product: Payday loan, title loan, or personal loan

I paid my Rise account in full on XX/XX/2018. I've since contacted the company numerous times as the loan is still showing as open and active on my credit report. I have yet to receive a response.

In addition, the account has not been reported to the credit union as current in XX/XX/XXXX or XX/XX/2018.

It reported in XX/XX/XXXX and XX/XX/XXXX, but stopped thereafter.

This account should be updated to reflect on time payments in XX/XX/XXXX and XX/XX/XXXX, and should also reflect paid-in-full and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I opened new checking account with PNCbank on XX/XX/2020 with signup bonus of {$500.00} when I meet the direct deposit requirements. 
I Meet all the signup requirements and never gotten the signup bonus, And when I contacted then they are saying different reason that I had this account before but that was not mentioned in the terms anywhere. 

I was opened this account when they popup the advertisement when I login their portal for my credit card management.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a screenshot and letter that I recently sent to Transunion and XXXX. I requested that both CRA 's do a complete investigation to ensure the accuracy and of ownership regarding this XXXX. I was sent a letter from both CRAs that this account was verified as accurate. I have requested their method on verification as proof as to how this account was verified as accurate but did not receive anything. IF a complete investigation was done Transunion and XXXX would have seen this account was deleted from my XXXX report. They would have also seen all of these inaccuracies. I highlighted as proof that this XXXX account is not only inaccurate but also has not been validated as my account.
Product: Debt collection

I was a Student at XXXX XXXX. I transitioned from their FlexPath program to their Guided Path program. The Guided Path program had different financial aid requirements for the number of credits required to use financial aid. I was not informed of the 6 credit minimum to recieve financial aide. When I realized I was being billed for course instead of financial aide, I attempted to contact and resolve the issue with my academic advisor to no avail. 

I was turned into a Collection Agency, General Revenue Service. I notified them in writing of my above dispute and never heard back from General Revenue Service.
Product: Mortgage

Mortgage Company can not prove they have legal transfer of the Mortgage and have denied XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX due process and have filed for foreclosure without negotiating some type of alternative arrangement with me relative the house. I was never subpoenaed for the hearings and they have engaged in an illegal foreclosure process. They have tried to take the loan by illegally offering to pay debtor {$10000.00} then revoking the offer once they could not prove mortgage ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, the consumer in this matter. Requested my free annual consumer file in XXXX of XXXX from XXXX, XXXX and TransUnion. Through their toll free number XXXX, thats on their website annualcreditreport.com. All three of the credit bureaus XXXX, XXXX and TransUnion failed to give me my credit file. I have attempted on numerous occasions to get my file. I signed up for XXXX for the free annual report ; but was only given the number of accounts I have on my file, not the full information that is in my file. TransUnion only offers the report you have to pay for or it leads you back to the website they use together or annualcreditreport.com. The three credit bureaus are violation of Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Equifax To Whom It May Concern, I sent a letter to Equifax dated XX/XX/XXXX disputing an unauthorized inquiry as erroneous, and I have not received a response from them. They have NO proof I initiated such inquiry, nor written authorization, and have failed to provide any permissible purpose. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they had 30 days to investigate the dispute. If they could not verify the information within 30 days, they should have deleted the disputed unauthorized inquiry from my report. 

I have frozen and suppressed All 3rd party information vendors since Summer XXXX, including XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX. EQUIFAX MUST VERIFY THIS UNAUTHORIZED INQUIRY DIRECTLY WITH THE COMPANY LISTED BELOW, NOT WITH 3RD PARTY DATA MINORS. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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. The following inquiry is unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached you will find copies of my 3rd party vendor proof of suppression and the demand to comply package sent to Equifax. 

Sincerely,
Product: Credit reporting

TransUnion had a glitch in their system that violated the rights of their consumer under Section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given, which is also a violation. I am requesting that ALL inquiries be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months back when I tried applying for a home through a financial institution, I was denied because of my credit. When I pulled my credit I noticed there were several inquiries that was not authorized or initiated on my behalf. I tried disputing with all three credit bureaus and I was told to go through the original creditor. I sent letters trying to disputing with the creditors and still got any results. The inquires that are reporting on my Transunion are ... ... Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX  ( Date of inquiry : XX/XX/XXXX ) when I tried disputing these inquires with the three credit bureaus again, I was told to make a CFPB complaint in send in the report and or police report or FTC report alongside a picture of my ID and proof of address. As of told XX/XX/XXXX, I've yet received the satisfaction of these inquires being removed or even a reinvestigation of my disputes.