23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # 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. 
I looked at my XXXX 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 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 suppose 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 or 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 results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified 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
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these are fraudulent accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wise Credit , LLC intentionally and fraudulently reported 2 payments to XXXX  30 days late and caused my credit score to drop 48  points. They reported my XX/XX/XXXX payment 30 days late and my XX/XX/XXXX payment 30 days late, neither payments were 30 days late. The XX/XX/XXXX payment was made 29 days late, the payment was made on XX/XX/XXXX. My payments are due on the XXXX  of every month with the last day to pay before they shut off the car being the XXXX. The XX/XX/XXXX payment was made on the XXXX of XXXX which was 15th  days late and they still reported the payment 30 days late.
Product: Credit reporting or other personal consumer reports

Not sure just dont want any evictions or personal loans to show up
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX PL XXXX XXXX, NC XXXX ; XXXX XXXX PL XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio recovery has been paid and they agreed to remove collection trade line from all 3 reporting agencies. This has not been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern looking at my credit report I noticed some errors in the reports by XXXX, TransUnion, and XXXX. 

1. Personal information on my report that is not minds ( Names and address ) .I live in XXXX XXXX Presently for the last 8 years. Havent live in XXXX XXXX XXXX or XXXX XXXX XXXX. 

2.Student Loans from XXXX for XXXX dollars starting on XX/XX/16 and another one from XXXX for XXXX starting on XX/XX/16. 

3.Old information and accounts over seven years keep appearing up.
Product: Debt collection

I have been in recent communication with a company by the name of Resurgent Capital Services Since XX/XX/XXXX. This company claims to be managing a collection account on behalf of XXXX XXXX. In their correspondence, they stated that this debt was acquired from two different companies. One by the name of XXXX XXXX, XXXX and the other by the name of XXXX, XXXX. I requested validation of this debt that included the name and address of the original creditor, a copy of the original contract or judgement, and full record of statements so that I could validate the charges on this account. I also requested the Chain of TitlXXXX and purchase agreements showing all of the agencies said to have had legal ownership of this particular account. I requested this information more that twice and Resurgent Capital Services/ XXXX XXXX has not provided any proof of validation or legal ownership of this account. However, they continue to try and collect on this account and are still reporting this alleged account to my consumer reports. I have been disputing this issue with the company directly as well as the three major credit bureaus since XX/XX/2018 and have done all that I can to get this account verified. This company is in direct violation of the FDCPA as well as the FCRA due to continuous collection activity and credit reporting without validating this account. This company has only sent me two credit card statements and an account summary prepared by their office. One of the statements didnt list any charges at all, just a total balance. This company has not verified that this account belongs to me and was opened by me ( through a copy of the original contract ), nor have they proven legal ownership of this account ( through a copy of the Chain of Title and purchasing agreement ). I have attached all of the correspondence between myself and Resurgent Capital Services/XXXX XXXX XXXX for your review. 

Please have this company cease all collection activity and reporting until they can provide all of the validating proof including ownership of this account.
Product: Debt collection

I do not remember the last date I talked to them, but I told them that I would be catching up my account this month. Could not make a payment that day. They told me that the autodialer would keep calling me and they could not change the frequency. I receive 3-4 calls from them daily from Avant credit card from phone number XXXX. These calls interrupt me at work. 

I would have no problem if they called once a day, but the repeated calls is borderline harassment and I believe a violation of the Fair Debt Collections Protection Act.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( 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. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX SERVICES XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX 1. XXXX 2. XXXX 3. TRANSUNION Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be removed immediately and permanently within 24 hours. 

Name of Account Account Number Provide Physical Verification Creditor XXXX XXXX  Account XXXX XXXX XXXX XXXX Inquiry XXXX Off Lease Inquiry Off Lease XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry XXXX XXXX  XXXX Cred Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Credit Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


Thank you for your prompt assistance in this matter. 


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

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Checking or savings account

Yesterday I called Bank of America. Because I could not transfer funds. Then I was told he account was closed with them due to a business decision. They removed all access and took away access to all of my money. They refuse to give me my money. I need it for bills. I have had the account with them for XXXX  years.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXX XXXX XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

The filing I completed in XX/XX/XXXX was sent back in error from Transunion denying my request stating that I needed a report from a reporting entity. That is incorrect based on the above information. I have attached the original request with the notary received initially. I have had to seek bankruptcy due to this matter, and I have attached that to this complete. Furthermore, I received notification of a Security Breach from a third party company dated XXXX and have filed a dispute with the FTC as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open a credit card from Bank of America from XXXX to XXXX. The account # is XXXX on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I filed a 2nd Compliant ( # XXXX ) with CFPB and the North Carolina Attorney General 's Office Division of Consumer Protection against Experian for improperly reporting a XXXX Bankruptcy on my Consumer Credit file. Experian now refuses to re-investigate this earlier " verified '' that they were provided this information by 3rd Part vendor XXXX XXXX even though I have provided proof in writing on two ( now three ) occasions that their reporting is incorrect and inaccurate, and they are using an excuse to not remove it. I included with both complaints a letter from XXXX XXXX dated XX/XX/XXXX along with a 2nd letter also from XXXX XXXX dated XX/XX/XXXX both clearly stating in writing that the bankruptcy previously reported by them from XXXX Case XXXX was reported in error on their part and has been removed from all XXXX XXXX reports and reporting effective XX/XX/XXXX and copies of both are attached. Therefore, that alleged verification is not true and inaccurate as the letters dated XX/XX/XXXX and XXXX/XXXX/XXXX directly from XXXX XXXX show. Therefore this XXXX Bankruptcy XXXX is being reported on my personal credit report illegally and MUST be removed as per Federal Law. However, Experian refuses to " reinvestigate '' and remove this incorrect reporting. 

In addition, on XXXX I obtained my complete 102-page XXXX XXXX report. In that report it clearly shows NO bankruptcy in XXXX Case XXXX. It only shows closed cases in XXXX and XXXX ( and have attached a copy ) that have since legally aged off of my credit reports as they should have and have been removed by all Credit reporting agencies. 

In addition, I also disputed this same case on the same grounds with XXXX and in their investigation, they admitted it was reporting wrong and removed it from their credit file on XX/XX/XXXX as Experian should have also done.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, I RECENTLY REVIEWED MY REPORT AND FOUND LATE PAYMENT ON THE DATES BELOW : CREDITOR : ALLY FINANCIAL ACCT # XXXX I WAS NEVER 30 DAYS LATE IN THE MONTH OF XX/XX/2017. I AM NOT SURE WHAT HAPPENED.MAYBE THERE WAS SOME SORT OF BILLING ERROR BECAUSE I HAVE ALWAYS MADE MY PAYMENTS ON TIME.
Product: Credit reporting or other personal consumer reports

I checked my credit report months ago and noticed incorrect activity on my account. I am reevaluating my credit report again, and several inaccuracies are listed. It is my knowledge that you will investigate these accounts to guarantee accuracy. Listed below is the account that I am asking you to look into as accurate. 

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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Credit Card account opened at XXXX  XXXX on XX/XX/XXXX with account # XXXX balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX would like for experian to remove all accounts that may be considered negative from my Experian report. Such as XXXX XXXX  Account # XXXX, date open XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX account # XXXX, date open XX/XX/XXXX another XXXX XXXX XXXX XXXX XXXX account # XXXX both unsecured.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been going back and forth with Experian regarding the sander account reflecting on my credit report and their continuing to show and verified this account even though Ive reached out to attorney general and advised them of the settlement and lawsuit against XXXX please help they continue to say they updated my report or verified this account. No updates show nor does anything reflect showing a thoro investigation being performed please help
Product: Credit card or prepaid card

It has recently come to my attention that some CC companies, most notably XXXX  XXXX XXXX and Citigroup, are tracking legal firearms related purchases by their customers with the intent of denying the use of credit cards issued by them ( banks ) for such purchases. As an XXXX XXXXXXXX, XXXX and responsible citizen of the USA I find this Appalling. I am one of the tax paying citizens that bailed them out of their financial irresponsibilitys not that long ago. I believe this type of discrimination is illegal and is a direct violation of the US constitution. I will be asking the US Attorneys office to look into the matter. Also, I have credit cards issued by both of these banks and will be cancelling them immediately. 

Thank You XXXX XXXX XXXX