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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX AV XXXX, CA XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I regularly send money back home to my family in XXXX and get overcharged because my bank hides fees in bad exchange rates. It is essential that all Americans know the total cost of making an international transaction, including any upfront fees and charges in the exchange rate, in a clear way without having to read small print or do complicated maths to figure out the markup.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX Balance : {$27000.00}
Product: Credit reporting or other personal consumer reports

My phones have been monitored since 2011 and continue to be monitored. I told all XXXX credit reporting agencies to lock my credit for XXXX  years after my recovery from the SEC enforcement act was laundered and XXXX passports were stolen. XXXX and equitax said they would put an extended XXXX  year credit freeze on my credit however XXXX keeps refusing to lock my credit for XXXX  years and has been giving my employer access to my credit. I have filed federal and police reports but they refuse to lock my credit or even update my phone number on my account. I cant access my account without them updating my phone number on file. They have refused to sign me up under the data breach settlement several times even though they know they are at fault!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Product: Credit reporting or other personal consumer reports

" 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 I looked at my Experian credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed 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

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 XXXX XXXX : XXXX, Account name : XXXX # : XXXX, Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX # XXXX XXXX XXXX Account name : DEPT OF ED/XXXX  # XXXX has 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: Credit reporting or other personal consumer reports

I want reported accounts removed. 
Dispute : XXXX XX/XX/XXXX second time disputed XX/XX/XXXX, there four accounts with the same dispute number all have been approved and still are on my credit..
Product: Credit reporting or other personal consumer reports

My information is being used for credit and am not able to fix my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some unauthorized inquiries on my Equifax credit report. I have asked for Method of verification. The creditors have not verified any contracts or documents showing my signature. They always come back stating verified or accurate. Its never no proof showing anything. Please help me delete the inquiries that are not connected to any accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within TransUnion credit file. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Product: Credit reporting or other personal consumer reports

There is information on my credit report about myself that is incorrect, including my name, address, and employer info. The name XXXX XXXX is not my name. I have also never resided in these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is incorrect. Their presence fails to meet the requirements under 15 USC 1681e ( b ) to ensure maximum possible accuracy in credit reporting. I'm asking for this incorrect information to be removed and fixed right away, as required by laws. My correct name is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my employer information is XXXX XXXX. Failure to comply constitutes willful noncompliance under 16 USC 1681n, allowing statutory damages of up to {$1000.00} per violation, plus punitive damages.
Product: Debt collection

They called a family member, who has no association with the account in issue whatsoever, and aggressively got into specifics about exactly what amount ( s ) are/were owed, when, what adjustments were made, etc. I told them this was not acceptable, and they told me they can continue to call her to attempt to collect this {$9.00} ( arguably invalid ) underlying debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under these laws these accounts should be removed 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Department of Education XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received my Target Bill ( XXXX ). I paid the entire bill on XX/XX/2022. 
The following week i tried using the card to purchase Gas and the Target Master card Declined. I contacted Target.com/MYredcard and called XXXX. 
I was told suspicious activity was noticed. They said i don't normally pay this amount at one time. They froze the card. I was told to call my bank on a three way line with them on the line listening to verify my bank account after they already received payment from my same account, same Bank i have been using to pay the Bill for years. My Target account has a zero balance owed.

Target refuses to open the card for my use. I'm being Penalized for paying off the card and having a zero balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed XXXX XXXX XXXX that I didnt open a credit card that I found on my credit report and they wont take it off. They told me that the account was sold to a collection agency and when I did research the company is out of business. I have been disputing it with credit agency for months and they wont remove it. Its fraudulent and I want it removed from my credit file
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 ) and XXXX XXXX XXXX ( # XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. which protects my 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. 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 or 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. 

XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) accounts have been disputed with XXXX, and Experian multiple times, with evidence of sealed, certified letters with USPS receipts. The receipts are available upon request. XXXX XXXX and XXXX have conducted an honest thorough investigation and found the above-listed accounts do not belong on my credit report and as a resolution, removed them. However, Experian states they have conducted a thorough investigation, yet the above accounts remain on my credit which are inconsistent with XXXX and XXXX XXXX. Experian has failed to conduct an honest and thorough investigation with proof of verification in regard to the above-listed accounts. Experian credit bureau provided a standardized, template response as a result of all my disputes over a three-year period, without evidence of the validity of the aforementioned accounts. The aforementioned accounts have not been verified with a legitimate signature or my written instruction to report on my credit. XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) are inaccurate and do not belong to me, constituting a violation of my rights as a consumer. XXXX and XXXX XXXX have removed these accounts from my credit report, Experian needs to do the same. 

A copy of my current XXXX Credit Report has been attached, which does have the above-listed account. Experian is reporting the XXXX XXXX and XXXX XXXX XXXX XXXX which are not in line with XXXX XXXX 's data collection. 

As a result of XXXX XXXX, violating my rights by reporting the aforementioned accounts and violating my rights as a consumer, I demand these accounts be removed from my credit file immediately.
Product: Payday loan, title loan, or personal loan

I received a phone call from a company called XXXX XXXX on XX/XX/XXXX. They stated that due to " bounced checks '' my loan from Availblue which is an XXXX XXXX loan which may be illegal. was getting ready to be sent to the courthouse here in my area for suit. I had sent a letter to Availblue revoking their right to use ACH payments but they still continued to try and take the payments. I called Availblue today XX/XX/XXXX and spoke to someone in Customer Service who said they had received my Revocation Notice but that the account had been turned over to a different collection agency than the one that called me yesterday. 

I never received any notification in the mail from XXXX or the Collection Agency until I received the phone call yesterday. 

I would like to know what my rights are in this case. 

XXXX XXXX
Product: Vehicle loan or lease

XX/XX/year> is showing late i never been late im requesting for this information to be removed,
Product: Mortgage

In XX/XX/XXXX Loancare took over my mortgage. They've raised my mortgage payment in XX/XX/XXXX without notice to where I couldn't pay it because of a county assessor 's mistake. When the mistake was fixed Loancare received a refund on property taxes paid but did not reduce my monthly payments. Then I found out that I am due a refund from my escrow account. Since XX/XX/XXXX I have been trying to get that refund sent to me and I keep getting the run around. I've complies with every request they've asked. And also had my bankruptcy lawyer send them letters stating the refund goes to me -not the bankruptcy court. I've been on the phone with Loancare almost every day since XX/XX/XXXX trying to get my money. I'm so tired of fighting with them to get the money that is owed to me. I'll bet if I didn't make my mortgage payment on time they'd be jumping all over me in a timely manner. Why can't I get the money that owed to me? I'm a senior citizen and this money is greatly needed!
Product: Checking or savings account

I went to the branch to open an account they opened me a wrong Account with a monthly fee I dont want this I want u style  checking which avoids the fee with meeting a balance of {$1000.00} daily this is not fair and not what I requested I called customer service they told me to visit a branch ridiculous they cant change the product type
Product: Credit card

On XX/XX/year>, the XXXX XXXX XXXX was opened in the store fraudulently without my consent. The cashier made it sound like I was getting a discount through their loyalty program. I did not agree to open a credit card. As soon as I realized what happened I called Comenity to cancel the application, within 1 hour. Despite this, the card has appeared on my credit report, which has caused me significant damage. I have disputed this account with XXXX, but Comenity refuses to remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accouts that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft SYNCB/PCRICH Account XXXX : XXXX This is not mine. 

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

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

5. Identity Theft XXXX XXXX/XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit companies are reporting I have tax liens reported by different courts. The courts DO NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) and a serious breach of my privacy rights.
Product: Debt collection

It sounds like UCB and XXXX may be misunderstanding their obligations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) regarding proper debt validation. I continue to request documentation of the transfer agreement that UCB has the right to receive my debt. 

1. Debt Validation Requirements ( FDCPA ) Under 15 U.S.C. 1692g ( b ), debt collectors are required to cease collection efforts if a consumer disputes the debt and requests validation. Providing extensive billing history and a business agreement does not necessarily constitute sufficient validation under the FDCPA. Debt validation should ideally include : Evidence that UCB has been assigned or owns the legal right to collect the debt, often a transfer agreement or document of assignment. I have not received no evidence of assignment from XXXX XXXX  to UCB, showing UCBs legal standing to collect this debt. 

XXXX XXXX XXXX  : In XXXX XXXX XXXX XXXX XXXX., 118 F.3d 516 ( 7th Cir. 1997 ), the court clarified that collection must stop until validation is provided. 
XXXX XXXX XXXX, 745 N.E.2d 862 ( Ind. App. 2001 ), further emphasized that debt collectors must provide proof of debt validity, not merely billing records.

2. Failure to Update Dispute Status with Credit Bureaus as Required by FCRA ( 15 U.S.C. 1681s-2 ) Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), debt collectors are required to update credit reports to reflect a disputed status within XXXX days of being notified of a dispute. Despite informing UCB of my dispute regarding this debt, my credit reports with all major bureaus have not been updated to reflect the disputed status. This failure to update the credit reporting agencies is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and has negatively impacted my credit score. 

I am not asking for payment history, billing history, company agreements which is what I keep receiving.