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

When I reviewed my credit report, I discovered the erroneous accounts. TransUnion must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law.

1. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX  XXXX Bankruptcy Case Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 2. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 3. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 4. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, BBB COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Product: Mortgage

Well Fargo forced us into foreclosure on our home at XXXX XXXX XXXX, XXXX, GA XXXX forced into sale on XX/XX/2019. During the proceeding several years we received dozens of foreclosure notices, litigation went all the way to Georgia Court of Appeals, we managed to pay our way out but were left financially devastated. Credit rating was destroyed. During this process mitigation / loan modification was refused and we were forced to sell during final foreclosure notice process on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A . State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Money transfer, virtual currency, or money service

Someone I know accidentally sent me {$62.00} meant for someone else today ( XX/XX/24, transaction # XXXX ) and I have been trying to reverse the payment. My venmo account has been negative {$130.00} because they pushed through a payment without debiting my bank account first. I did not have enough funds, but the payment still went through. Since the {$62.00} was not meant for me, I have been trying to reverse the payment so my friend can pay the right person. I do not have the funds to send, I am broke. Venmo said I just need to send her the money back, but I physically can not do that, I have literally {$4.00} to my name right now. Venmo stole {$62.00} from my friend and is holding it hostage, after pushing through a charge on my account that should have never been approved. I haven't been able to pay Venmo back due to other bills that are of a higher priority, like rent and utilities. Venmo will not work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

So I sent a letter off on XX/XX/2023. To remove personal Information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. 
These are clear violations of my federally proceed consumer rights In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; # XXXX ALL continue to violated my rights. 

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: Mortgage

I don't know how to communicate with Truist regarding mortgage payment problem I had with them while my XXXX was sick and XXXX of XXXX. Every time I write a complaint and ask for resolution and removal of the remarks on my credit account Truist repeats what I said back to me what I wrote and the matter is closed. Truist failed to process payments as set up and has inaccurately reported to all three credit bureaus differently.
Product: Debt collection

I was sent a medical bill over a year following the service XX/XX/2023 and contacted the company about them billing it improperly. They only billed XXXX of my XXXX insurances and I was told I would be contacted with more info following this. I was then sent to collections with no further information for the amount that was improper. The company that sent me to collections was sterling medical center in XXXX XXXX XXXX. I was never sent another itemized bill either to ensure the proper billing had been completed
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report. These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately. The accounts to removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I've consistently made timely payments on this account and have never been late. I'm unsure why there are reports of late payment remarks on my accounts.
Product: Credit reporting or other personal consumer reports

Hello, This has already been removed from my credit report due to fraud but the previous collection company sold this to another debt collection company and the new collection company put it back on. 

Please remove this immediately! This was already removed for fraud. Attaching all documents. 

Even the name is wrong of adding XXXX. I have only ever gone by my first and last name. 

I feel this came from the data breach which allowed someone to use my information. 

I keep my credit report locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT have any requisite OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX XXXX - Account Number : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities.
Product: Debt collection

On XX/XX/XXXX XX/XX/XXXX I received a call regarding a debt I owed. I called business the business associate named XXXX told me I had a debt of XXXX XXXX from years ago. This debt was under already resolved. I told him it was paid and not to call me or anyone I know he perseeded to tell me my social security number over the phone with is a violation of the ftc. I told him this and not to contact me again regarding this or I will retain a lawyer you sue this company. He told me to get a job, since I'm home collecting unemployment benefits. I don't want a company giving out my ss # and also harassing me over the phone. Refused to go me address of company or to speak with the owner of the company. Then called me harassing comments. Unprofessional, rude, and violates ftc practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/ Ally Bank froze certain joint bank accounts at Ally bank. The joint bank accounts frozen were those I maintain with my XXXX XXXX XXXX son. The accounts were frozen after my son attempted to send money via XXXX. The attempted XXXX transaction was flagged for potential fraud. When my son called Ally customer service to resolve the issue he was told that a recent phone number change on his account likely triggered the flag. However, Ally next determined my son could not be properly " authenticated '', froze all accounts for which is was an owner/joint owner and told him to wait for contact from Ally fraud staff, with an estimated " up to five business days '' till you hear from us. As a joint owner on these accounts I am currently being denied access to the funds in these accounts, despite the fact that Ally Bank has been able to " authenticate '' me. I support Ally 's efforts to detect and deter fraud, but that goal must be balanced against customers ' need to have access to their funds to the extent possible. The bottom line is Ally should have an obligation to work swiftly to resolve fraud concerns. It has not done so in this case. A five days to reply standard is unreasonable. Moreover, Ally has not even stated any reasonable grounds for denying me ( versus my son ) access to the frozen funds.
Product: Consumer Loan

This car loan has been paid in full.. I have requested to be removed from my credit report but they have not done so. I have not received any response from this company. This has been showing on my credit report as current but the car loan has been paid in full and should have been sent to all XXXX credit reports to be removed from my credit. 
I have another car loan with them that is correct but this account should have been removed. They are not willing to help me at all and are not giving me any information whatsoever.
Product: Checking or savings account

On XX/XX/XXXX I was charged {$20.00} by Navy Federal Credit Union due to an overdraft on my checking account. This was done due to their Optional Overdraft Protection Service, which I do not desire. On XX/XX/XXXX I called NFCU to opt out of Optional Overdraft Protection Service. This {$20.00} junk fee was wholly unnecessary as I had more than enough funds in NFCU savings ( share ) accounts to easily cover the overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Transunion on XX/XX/XXXX requesting to investigate and verify the Accuracy of the account on my Credit Report. This account ( XXXX XXXX XXXX is reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting this account as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Transunion to investigate the erroneous account and have it corrected. 

XXXX XXXX XXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. This is the second time within a year i've been a victim of identity theft.
Product: Consumer Loan

Hi, I have a personal loan through one main financial. I have insurance on my loan, if I am out of work the insurance will make the payments so I do n't get behind in my loan payments. I was out of work on XXXX. I contacted one main financial to let them know I was out of work, so they could submit a claim. one main contacted me to set up the paperwork needed to submit the claim. as the claim was processed, a member of the company contacted me. he left a XXXX minute message on my phone. the message that left was very inappropriate. message stated was the gentleman on the phone started of by sounding XXXX and saying " hey I love XXXX, I love big XXXX, I could play with an suck on big XXXX for hours. Then talking about movies, Grandmas boy. XXXX year old XXXX, with co workers in the office. then he said they were XXXX while watching these movies. message ended. I then contacted the district manager stating my complaint, he said that he would look into it. I felt that he blew our conversation off. nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Late payments posted on my report that are direct violation of the law XXXX- late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX payments XX/XX/XXXX XXXX  late payments XX/XX/XXXX, XX/XX/XXXX these are direct violation of the law see below attached letter which I will be sending certified as well and a copy verifying my identitiy
Product: Credit reporting or other personal consumer reports

I am would to express my profound dissatisfaction with the inaccurate and incomplete credit details currently reflected on my credit report. It is unacceptable that such errors have been permitted to surface on my report, indicating a failure on the part of the bureau to uphold reasonable procedures ensuring maximum accuracy in credit reporting. 
I am also requesting evidence of the alleged items, specifically the contract, note, or any other documents bearing my signature. Failure to provide such evidence warrants the prompt deletion of the items from my credit report. 

The information provided is wholly inaccurate and incomplete, representing a significant error in reporting. I demand the immediate removal of this misleading information and the issuance of a corrected credit profile to all relevant creditors who have received a copy within the last six months, or two years for employment purposes, as per FCRA 15 USC 1681.

I want to stress that I am the sole individual disputing these accounts, and no one else is involved in this dispute. 

I anticipate a thorough reinvestigation into this matter and a swift resolution in accordance with the Fair Credit Reporting Act. Your urgent attention to this dispute is essential. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom it may concern I am writing you regards to the inaccuracies that are being reported on my credit report which are in violations of my consumer rights.Also I was a victim of the XXXX XXXX breach. I am demanding that this information be corrected on my credit report. 

15 U.S. Code 1681 i ( a ) In general subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly disputing the wrong information requesting for the information to be DELETED IMMEDIATELY. I only have one home address and that should be the only one reporting on my credit report. 

My current home address and only address is and has always been as follows XXXX XXXX Ct XXXX Ca, XXXX Addresses that dont belong to me and should not be reporting on my credit report is down below XXXX ). XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX Ca, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX North Highlands Ca, XXXX XXXX ). XXXX XXXX Way XXXX Ca, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca I also see phone numbers that do not belong to me the phone numbers are listed below XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX MY CURRENT EMPLOYER IS, XXXX Steps forward XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX There is multiple employers that are also being reported that should not be reporting on my credit profile. The employers that need to be deleted are listed below. 

XXXX ). XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XXXX XX/XX/XXXX These accounts should not be furnished on my consumer report as they are in XXXX!!! 

Thanks kindly XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My identity was stolen and someone used it to open accounts in my name. It has been an absolute nightmare and I can't seem to get anything resolved I'm almost at XXXXhe point of giving up. Discover keeps sending me a statement they have on file for me for {$210.00} for an account I never heard or opened each time I dispute with them, its getting ridiculous I'm just going in circles with an account I never opened. I've sent my police report number, notarized identity theft affidavit, frozen my credit report, spoke with them on the phone multiple times but all they do is send me mail with the fraudulent account and nothing is ever resolved and they are not interested in helping resolve anything what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease XXXX Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX