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

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX.  This company spoke to someone else not myself.   I registered my account as a Fraud victim.    They pulled the followers information.   Consumer:  XXXX XXXXConsumer Address: XXXX XXXX XXXX, XXXX, CA XXXXSS#: XXXXInquiry Date: XX/XX/2018End User/Company:  XXXX  XXXX XXXX XXXX. #XXXX/XXXX XXXX Reseller:  XXXX XXXX XXXX   You can clearly see they pulled XXXX this IS NOT MY SOCIAL SECURITY NUMBER. However it linked the my social security number I have no affiliation with these guys nor do I want a loan from New York.   I ask they remove this from all three bureaus they pulled the wrong social and it linked them my credit account therefore This is not factual nor correct they refused to remove this fron my credit file.    They have 30 days that remove this or I'll take action with all the Bureaus and I'll advertise all over forums to warn people how they pulled a wrong social and yet linked it together my account.   I demand them to remove this report !     My social is not what they have done and on file
Product: Debt collection

In XX/XX/XXXX I cancel my service with XXXX XXXX, I paid my account in full. I had a number of cell phones which I physically returned to the XXXX store in XXXX, IL. The manager of the store said he wasn't able to provide a return receipt as they were not defective, I left the devices with him in the store. 

A few years later I received a collection letter stating I owed XXXX. I've responded to each and every collector of this account that I do not own anything as the account was paid in full and the equipment was returned to the store. There are no amendments to the contract that states XXXX can add additional fee 's in the case of equipment only to the outstanding balance of the account, which was paid in full. 

The current collection agency is falsely reporting the account was active in XX/XX/XXXX which is not correct and I have disputed this claim.
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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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, credit repair services, or other personal consumer reports

This complaint is in regards to my previous complaint # XXXX. I have repeatedly reported fraudulent items being added to my credit file and submitted all of the required documents. TRANSUNION continues to send them to the company to be " verified ''. I have NOT asked that they be " verified ''. How can fraudulent accounts that have been reported to the police be " verified ''? I have asked that they be blocked according to the Fair Credit Reporting Code 15U.S. Code 1681c-2 ( A ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of ANY information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of It has been much longer than 4 days since they have received my notice VIA certified mail in which ALL documents were notarized. I am suggesting that TRANSUNION be heavily fined to deliberately ignoring my consumer rights. I am also requesting that these items that I have requested to be blocked, be blocked immediately. I AM NOT REQUESTING A REINVESTIGATION. I have also submitted in writing my right to privacy, in that these third party furnishers may not be allowed to report such items as they DO NOT have my consent to report to a third party company. 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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. Furthermore, This letter serves a written notice : I formally revoke, renounce, opt out, quitclaim, and waive ANY and ALL insinuated and or direct permission to TRANSUNION and the following companies that are listed below, to report these following items on my report. TRANSUNION is now aware of these revoked permissions and will now be held liable. I am requesting that the following items be deleted permanently and immediately, as via my right to exercise that nondisclosure option, as expressed in the FCRA 15 U.S. Code 6802.
Product: Debt collection

Midland Credit Management is reporting two open accounts on my consumer report which I do not owe. The first account is having an opened date of XX/XX/year>, for {$640.00} and the other account has an opened date of XX/XX/year>, for {$3700.00}. I sent a letter requesting the removal of the information and they did not. I was sued by Midland Credit Management and the result was in my favor and still they refuse to remove the information.
Product: Mortgage

I filed bankruptcy in XX/XX/XXXX and included my XXXX Home in the bankruptcy. The chapter XXXX bankruptcy was discharged in XX/XX/XXXX. Over the nest few years I worked hard to rebuild my credit, moving to XXXX for a better job. In XX/XX/XXXX my husband and I applied for a mortgage and were approved up until 2 days before the closing. We were told that we could not close because the home had never gone to foreclosure sale. I tried for the next couple of years to find out why and no one could answer me. Finally in XX/XX/XXXX I was issued a foreclosure notice along with a " Notice of Filing the Original Affidavit of Lost Note ''. Because of the incompetence of XXXX XXXX and Seterus, the company then handling the note, I was unable to purchase a home I qualified for in every other respect. I believe I am entitled to some kind of compensation for this problem and negligence.. It was no doing of mine, I followed all of the procedures I was supposed to and was held back from purchasing my home. With only 2 days notice, my husband and I had to put all of our belongings in storage for a month and live in a hotel until we could find a home to rent. I have had to rent since then.
Product: Debt collection

I have been getting threatening calls from Global Asset Management on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding an auto account that was discharged in a chapter XXXX bankruptcy on XX/XX/XXXX. I was told that they will be garnishing my check and it does not matter that the car was included and discharged in the bankruptcy. The amount I was told that I now owe is $ XXXXdollars. On Tuesday, XX/XX/XXXX I called the original creditors XXXX consumer auto finance. I spoke with a manager and was told that the account was not sold and I should not make any payment arrangements with Global Asset Management. 

I continue to get several calls a day from GAM and I was told my wages will begin being garnished on XX/XX/XXXX. I DO have a copy of my bankruptcy from the court and I have told GAM that I could send them a copy and they have refused. I have been hung up on and threatened that if I do not make payment arrangement they will file a civil complaint against me and sue me for the auto loan. 

I was told by GAM that I am being pursued by XXXX XXXX but when I called XXXX I was told to call XXXX  because XXXX handles all of XXXX auto loans, which I had already done. On XX/XX/XXXX I called XXXX again at XXXX and I was told again that this account is not in litigation. 

On XX/XX/XXXX I also spoke with an agent from GAM and was also explained the file is in litigation. They keep calling Help please
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says Experian, XXXX and XXXX is a furnisher of information to a consumer reporting agency. 
Experian, XXXX and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Experian, XXXX and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX 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: Mortgage

I purchased a home in XX/XX/XXXX and refinanced in XX/XX/XXXX when the mortgage went up to double in XX/XX/XXXX I did not know this was going to happen they tried to foreclose in XX/XX/XXXX but did not have the deed. I was not eligible for the National mortgage settlement because the foreclosure was dismissed the house sat unoccupied for 2 years I was contacted by XXXX XXXX XXXX to move back and they would help me save my home so I could sell it and get it off my credit that never happened I had to move my family from XXXX  to XXXX in XX/XX/XXXX in attempts to save the house that XXXX XXXX XXXX was going to foreclose for the second time after the there was no activity in the house for 10 years. I believe they did not go for the foreclosure XX/XX/XXXX so they would not be penalized and I would not be able to get the settlement for there misconduct. Now 10 years later XXXX XXXX XXXX  with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. are back in court trying to foreclose on this house. I hired a group to do a forensic review and was told there was robo signing and federal laws broken. They are trying to foreclose in XX/XX/XXXX. 
File Number : XXXX
Product: Consumer Loan

ALLY BANK HAS LYED ABOUT THE REPOSSIONS OF MY XXXX XXXX XXXX, WE GAVE CAR BACK IN XXXX XXXX, CAR WAS TOTALLY NOT RUNNING, XXXX XXXX DEALER, XXXX NEW JERSEY WAS TOLD TO GIVE CAR TOO BANK, WAS UNABLE TOO REPAIR, CAR COULD NOT BE STARTED, PROGRAMS IN THE MAJOR RUNNING SYSTEM NEEDS TOO BE TOTALLY UPGRADED. 
THE CAR WAS IN A MAJOR ACCIDENT, UNDISCLOSED BY DEALER, OR BANK! 
WE NOTIFIED THE STATE ATTORNEYS OFFICE, CONSUMER PROTECTION AGENCY, NEW JERSEY AND ALSO THE LEMON LAW. 
COMPLAINTS WERE SENT TOO CONSUMER PROTECTION AGENCY, ALSO TOO ALL CREDIT BUREAUS IN XXXX, XXXXTHIS WAS A BAIT AN SWITCH TACTED BY XXXX NJ. 
THEY 'VE DESTROYED MY CREDIT, ALSO LYED TOO THE CREDT BUREAU ABOUT ME VOLUNTARY REPOSSESSION, THEY SAID HEY REPOED VEHICLE IS A MAJOR LYE.
Product: Credit reporting or other personal consumer reports

According to the FCRA and XXXX XXXX compliance reporting standards, the information listed above is my most up-to-date personal information. If what you have on file for me doesn't match what's listed, then there are problems with either your records or those who provide them for verification purposes. In order to comply with FCRA and XXXX XXXX compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently.
Product: Debt collection

This morning XX/XX/23 I received a " credit alert '' through my XXXX XXXX service through email. It stated that a XXXX XXXX Account was detected on my credit file. The company name is listed as SUNRISE CREDIT SERVICE. I contacted them at a number that was provided on XXXX site and was asked to provide my SS #, Phone #, a picture of a valid ID and a bill from XXXX representing my address at that time.
Product: Debt collection

On XX/XX/2023 I submitted a complaint requesting TSI to provide validation of the debt they are trying to collect as required by the FCRA. They sent me a copy of a bill from an unknown creditor saying the bill provided was their proof of validation which is incorrect. Due to TSI disregard for law I am submitting another complaint to have this account removed from their records and any and all other agencies they've reported this debt to.
Product: Checking or savings account

During the XXXX shutdown my account got hacked and all my money was taken.
Product: Credit reporting or other personal consumer reports

Ex-Husband opened XXXX XXXX card in my name without my knowledge or consent in the amount of {$14000.00}. This was brought to my knowledge after reviewing my credit report. I immediately called XXXX and had the card in his hand turned off and asked for transaction history-there was only one transaction and it was a balance transfer from his XXXXXXXX XXXX XXXX XXXX Ex-Husband admitted this was his balance in court and the Judge ordered him to pay this ( court document was provided to XXXX and their lawyer ( collection company ) Cooling and Winters ). He also went to XXXX shortly after serving life for many reasons-one including held in contempt to not following judge 's orders. I disputed this on all credit bureaus which include XXXX etc. I even kept in touch with Cooling and Winters and XXXX at the same time in XXXX of 2023 and called ever 2 weeks, provided them judge documentation and a case number with the police department when I reported it fraud because this needed to be deleted off my credit report. The denied my fraud claim and said after 90 the investigation showed I would still be held responsible for this amount even after all the documentation that I provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
Accounts are XXXXXXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, PA XXXX [ Date ] Experian XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting Dear Credit Reporting Agency, I am writing to formally dispute the following inaccuracies on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). My full name is XXXX XXXX, and my date of birth is XX/XX/. My address is XXXX XXXX XXXX, XXXX, PA XXXX. The following accounts are being reported incorrectly, and I request that they be investigated and removed from my credit profile within 30 days : XXXX XXXX ( Account Number : XXXX ) - Collection/Chargeoff XXXX XXXX ( Account XXXX : XXXX ) - Collection/Chargeoff XXXX ( Account Number : XXXX ) - Collection/Chargeoff XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX I believe these accounts are inaccurate and do not belong to me. I have attached any supporting documentation that may assist in your investigation. Under the FCRA, I am entitled to a complete investigation of my dispute, and I request a written response detailing the outcome of your investigation. Please ensure that these inaccuracies are promptly corrected or removed from my credit report. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX  ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }
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 : Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 instruction 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 am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX  XXXX Balance : {$520.00} XXXX  XXXX XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX : {$37000.00} XXXX XXXX XXXX Balance XXXX {$2400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXXBalance : {$520.00} XXXX  XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX  XXXXBalance : {$510.00} XXXX  XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$36000.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$2400.00}.
Product: Credit card or prepaid card

I have a Capital One credit card. I paid off my balance on XX/XX/2022. I had a XXXX balance for the rest of the month and I did not use the card for any purchases. 

On XX/XX/XXXX I logged into my account and saw that I had a {$2.00} interest charge. After viewing the statement the it said {$100.00} was subject to interest even though my balance was XXXX. 

Additionally I have auto pay set up on the card and the {$2.00} was not paid automatically. When I called customer service they could not give me a clear answer as to why I was charged interest.