23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I took out a vehicle loan from XXXX XXXX XXXX XXXX  for a XXXX  XXXX XXXX in XXXX of XXXX  and finished paying the loan in XXXX of XXXX. I remember at a point seeing that I was marked late for the final payment I made in person, which I reached out to the bank about. I was advised that it was an error and no payments were late. On my XXXX, the account is marked as PAID/CLOSED/NEVER LATE but when I check Equifax & XXXX, I see that the same payment I complained about in XXXX  is still present on my report and calculated as a negative mark. Its confusing because I dont see it on all Bureaus and I was advised that I had no late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX  XXXX Balance : {$5500.00} ; XXXX XXXX, XXXX. XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

You may have never heard of XXXX XXXX XXXX, yet your personal information may have been compromised in the companys recent massive data breach. 

The background check company, which is owned by XXXX XXXX XXXX, recently released details of the breach after a proposed class action lawsuit alleged XXXX XXXX personal records may have been exposed. Other reports suggest the amount of records leaked may have been more than XXXX XXXX. 

In an official data breach notice filed in XX/XX/XXXX XXXX XXXX XXXX indicated XXXX XXXX records may have been breached, said XXXX XXXX XXXX,XX/XX/XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX focused on mitigating riskXXXX  of identity breaches and theft. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX XXXX # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX. account # XXXX, XXXX XXXX. account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX, and XXXX XXXX account # 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 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I opened an account online with BB & T bank on XX/XX/XXXX as a result of a promotional flier I received in the mail. I deposited {$50.00} via an online transfer, and then tried to deposit $ XXXX in the account in person a week or two afterwards. However, when I went to the branch I was told that the account was frozen due to fraud concerns. The branch manager said he would look into it and call me later, but he never did. I forgot about it for a few months and then I got a notice saying that the account was negative due to monthly fees. According to the bank, the account was frozen and never fully opened so I don't see why they were charging fees. I just recently received a notice that they are sending the negative balance to collections and will seek to charge another {$30.00} fee.
Product: Debt collection

This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} Date Opened : XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt.

Ceaseanddesistasap
Product: Credit card

I, XXXX XXXX, the consumer and natural person, was denied credit by HOME DEPOT INC. when I applied for a Pro X Credit Card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by HOME DEPOT INC. due to the response I received. HOME DEPOT INC. is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of HOME DEPOT INC. 
If HOME DEPOT INC. fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make HOME DEPOT INC. criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ).
Product: Credit reporting or other personal consumer reports

under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to fix the issues about the inaccurate information for the account and the unauthorized inquiry reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiry and account that I am disputing : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Product: Debt collection

XXXX XXXX XXXX, account # XXXX is wrongfully attempting to collect a debt I do not owe.THE ORIGINAL CREDITOR, XXXX XXXX, account number XXXX is wrongfully appearing on XXXX, XXXX AND XXXX CREDIT BUREAU REPORTS.I opened the account in XXXX of XXXX.The payments made for this account were for usage and a XXXX XXXX  XXXX phone.All payments were made on time as I used auto-pay.At the completion of the contract I was on the phone with a XXXX Rep., settling the account.He tried to sell me a newer phone, a newer XXXX for $ XXXX.I said I wasn't interested, but there was SALES PERSISTENCE. 
F inally he said we will cancel everything and I will not be charged.I kept the same phone number and transferred it to XXXX XXXX.THIS ENTIRE BILLING IS FRAUDULENT! 
I owe nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Equifax and  XXXX   XXXX    XXXX   XXXX   for the last 5 months in order to correct information on my credit report. Equifax is the only credit reporting agency that is reporting  XXXX  accounts with  XXXX   XXXX    XXXX   XXXX    XXXX  account is for the amount of {$1200.00} and the other account is for {$500.00}. They are both debt to  XXXX   XXXX  in California.     I 've spoken with  XXXX   XXXX    XXXX   XXXX   multiple times and they have confirmed that the only information for those  XXXX  accounts that they have is my name. No other information included DOB, address or SSN match their records. I then have tried to file a dispute with Equifax, nearly twice a month and they continue to claim it 's valid. I 've informed Equifax that I 've spoken with  XXXX   XXXX    XXXX   XXXX    and they have confirmed with me that those  XXXX  accounts do not belong to me.     Every time I call Equifax, they will only file a dispute and refuse to assist me further.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank ( XXXX XXXX ) is not reporting my mortgage payments to any of the 3 credit bureaus. I called several times, each time i was told to get reaffirmation letter, i called several attorneys for legal advice and i was told its too old to get reaffirmation letter, i filled XXXX XXXX  in 2014, bank is asking letter from that 2014 XXXX XXXX case, i only need bank to report my payments to all 3 credit bureaus. 
My loan was transfered from XXXX XXXX XXXX  to XXXX XXXX more then 2 years ago. 
Thanks
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identify theft.
Product: Payday loan, title loan, or personal loan

I was making monthly payments of over {$800.00} on a {$5000.00} loan only to realize that it did not effect the balance. It only renewed the contract and extended the loan. At this point I fail so far behind I never was able to catch up and my car was repossessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX there was money taken out my account XXXX then XXXX a minute later and the skylight bank will not refund my money said there was no error then a week later and new card someone tried to take money out again but there was no funds on the card so they sent the second card I just need help getting my funds back thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I was in the lobby of my apartment building checking the mail and set my phone on my countertop. I went to the elevator and made it to the XXXX floor before I realized I had left my phone downstairs. When I came back for it, the phone was still unlocked and my credit card and cash were missing from my wallet case. I immediately called to cancel the card. I got an email later that my chime had been logged into but the email said XXXX which I have so I didnt think it was suspicious. I later saw a transaction for XXXX XXXX, XXXX, and then XXXX cash transfers that were all fraudulent. Chime did not alert me to these transfers nor did I get a confirmation text. I opened a complaint today for all of them. I asked chime for the name of the person whose chime account the cash transfers went to, as I want to file a police report against them. I have also gone to the leasing office to see if there is camera footage as per the Police departments request. Chime has not reversed the cash transfers nor have they given me the name of the individual who took my money. The case number they assigned me was XXXX. There is no live phone rep to talk to, only email and chat. The phone rep directs you back to those to options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported it to the credit bureaus sent all documents and letters. And I still received no updates.I have been a victim of fraud. And my information is on the dark web. I been dealing with being scams for years. I need helping fixing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting erroneously on my credit file. I had an account with them that was included in my Bankruptcy that was discharged. They are still currently updating on my credit file and that is against the Bankruptcy Stay. I need this account to be removed from my credit file. It is erroneous and has been consistently dropping my credit score.
Product: Credit reporting or other personal consumer reports

During a review of my credit report a few months ago, I found mistakes related to the CB/EXPRESS account ( XXXX ). This violates my rights. I have challenged these errors with the XXXX credit bureaus and the creditor, but the responses were generic. Therefore, I am filing this complaint based on my research. The company is violating sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I made a payment to XXXX XXXX for {$2800.00} thru my XXXX XXXX account which had a balance of {$7700.00}, I was later told by XXXX that my payment was returned, than I made a replacement payment but by that time the account. 
had gone over 30 days, I contacted XXXX XXXX to find out why the payment was returned and they stated that they stared a fraud review and froze all out going payments from my account I than sent XXXX the latter from XXXX XXXX stating such and ask them to update my account to reflect that I made my payment on time but because of a technical issue at XXXX XXXX they returned the payment, but for the last three mouths they have been giving me the run around and have not corrected this issue which has ruined my credit and reduce my score by XXXX points.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$75000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX I Original creditor XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 2024
Product: Credit card

I have a Best Buy credit card through Citi and experience XXXX fraudulent charges on my account at XXXX. XXXX XXXX XXXX unauthorized charges on XX/XX/2023 for {$290.00}, XX/XX/2023 for {$290.00} and XX/XX/2023 for {$290.00}. I filed a fraud dispute on XX/XX/2023 with Citi. I was credited for all three fraud charges and was told there would be an investigation. XXXX months goes by and I receive a letter telling me I would not be liable for the {$290.00} charge but would be responsible for the other XXXX fraudulent charges. Received a copy of the report from XXXX which showed the IP addresses, and shipping addresses were no where near me. They were on the other side of country. No idea who the people were. Somehow XXXX and Citi determined XXXX was responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

most of my credits cards, have put in disputes. they are not resoled to my satisfaction or are ignored. this is been going on for five months talking to the company 's Please help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

they reporting XXXX XXXX, i informed them if they can put in remarks sec that this bank took longer then the require time to correct the chg as they are require to.
Product: Debt collection

Discover is in many violations. I have been a victim of identity theft and I'm very irritated because I have not gotten one piece of correspondence. The account does not belong to me. Today I actually called and was told that a law firm took my file. I called the law at XXXX when I called I was told they dont even have my file. Then I called discover back again and after several transferred calls I was transferred to a law firm by the name of XXXX and I was told my case is on hold. He advised that my claim was denied back in XXXX. However until today I have not received anything from Discover how can tis even be valid??? to top it off the bureas claim my information is being verified when discover does not even have my file. There are many violations and no one is doing their job.
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 XXXX XXXX XXXX have 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, credit repair services, or other personal consumer reports

There is an account reporting from XXXX XXXX that does not belong to me, Ive sent it validation letter and Ive also sent in a letter from security finance stating that they have no account with my information that belongs to me. Ive disputed and it keeps coming back verified.