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

I requested multiple times for XXXX XXXX XXXX an full disclosure bet something was deleted from the report I requested everything they said I was in the file sents XXXX I requested everything that was use in my name from XXXX I have the right see what was use in my name an they refuse to do that instead I received updated one I requested everything that was use in my name an everything was removed off my report
Product: Credit reporting

I have been more than patient when dealing with the credit bureaus and their so called investigations. I have requested that documents showing that these below accounts are mine - and who they have spoken to regarding proof that each XXXX of these accounts are mine. My efforts have been ignored and I would like it resolved immediately
Product: Debt collection

Name is XXXX XXXX I reached out to the company called Merchants Credit Guide.I contacted them on XX/XX/ and requested them to send me a copy of the signed contract stating the debt I owe. On a recorded call they stated this is an attempt to collect a debt but could not furnish any information in regards to the debt. The amount in question is {$520.00} and this has been reporting on my credit report as of XXXX XXXX I have also disputed this item several times and it keeps coming back as account verified but no proof to show otherwise. 

I did not sign a contract with this collection agency and I would like this debt removed from my credit report immediately.I have sent them a cease and desist letter to the address on file as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Attached you will find proof of my current address and identity verification to validate that this is me and not a third party.Also you will find a copy of my report from XXXX and XXXX showing this debt and i noticed the account numbers are different as well.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never contracted with XXXX XXXX XXXX. They should not be reporting on my consumer report. I have been patiently working through the administrative process with the company since XXXX. Having this account on my report is causing me distress and wrecking havoc on my credit consumer reputation. It is making it extremely difficult to apply for new cards and even get to a place where I can move. Applications for apartments are not being accepted due to the alleged late payment and this alleged debt that I do not owe. This is identity theft. It is the duty of the bureaus to be reporting accurate information. I don't understand how you were able to remove the hard inquiries associated with the fraudulent account but not the account itself. 

As soon as this is delivered to the bureaus I demand that the account be removed from my credit report. Please see attached document to view a handwritten letter addressing my concerns, and attachments of my process so far including two identity theft reports against the alleged account.
Product: Debt collection

Zions debt holdings placed a collection account on my credit report for a debt I resolved years ago with another debt collection company ( XXXX XXXX XXXX ). I never received an email, phone call or letter in the mail from this company for this debt. I am requesting this be removed.
Product: Debt collection

Santander Consumer USA FALSE ACCOUNT # XXXX XXXX $ monthly payments Pay off XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

Account of XXXX XXXXXXXX XXXX is reported on my credit files for XXXX XXXX ANDEXPERIAN AND DOES NOT BELONG TO ME. They have both removed this account after much a do and reaching out and now i see they have placed the account back onto my credit report again. this is an error and this account and balance do not belong to me, i have sent the court documents dismissing and closing this error and letters numerous times and this is still not fixed. i have reached out many times and this is still not resolved. i need this handled please this is negatively effecting me,
Product: Debt collection

This company continues to report fraudulent charges on the account. Ive sent several ftc and cfpb complaints. Why is this account still reporting on my credit. Im advising Discover to remove the dispute status.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3100.00} ), XXXX ( XXXX XX/XX/XXXX, Credit limit {$3100.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX, Credit limit {$2500.00} ), XXXX XXXX  ( Opened XX/XX/XXXX, Balance {$0.00} ), XXXX XXXX  ( Opened XXXX XXXX, XXXX, Credit limit {$2500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card

A company called CBNA made hard inquiries to my XXXX credit report on XXXX/XXXX/16 and XXXX/XXXX/2016. I I do n't know who this company is and I certainly did n't give them permission to run my credit. There is no phone number for them on the credit report, just a notation " by mail only. '' The address XXXX XXXX XXXX XXXX, SD XXXX follows. Repeated letters to that address were ignored. I sent one by certified mail, so I know it arrived at that address. 
I must assume that there is some sort of fraud going on, or I would have received a reply with an explanation. I have no way of knowing if accounts were opened in my name, using my credit, without my knowing. I can only assume that they have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus and creditors are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX XXXX XXXX XXXX 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

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to remove credit infromation regarding a failed business venture with my personal credit being compromised several times prior. XXXX  claims there is a settlement in the works, but I shouldn't have to wait to settle an issue I've ben having since I began using my credit to attempt to get a car, business loan, and house through XXXX XXXX, XXXX, and XXXX  XXXX XXXX. Feels like discrimination.
Product: Debt collection

XXXX sued in court without notifying me. I do not know what this is not did the company attempt to contact me. The court issued a garnishment that started on my last paycheck. I used to bank with company years ago but changed banks due to more than XXXX that just disappeared out of my account.
Product: Checking or savings account

Chase bank kept {$21000.00} dollars after my account was closed 2 years ago I have tried contacting them multiple times just to be given the run around and i am unsure of my options when it comes to fighting for my money back.
Product: Money transfers

I made a purchase on XXXX and used PayPal as the money transfer service. I selected my credit card as a funding source. However the funds came out of my bank account. Upon calling PayPal, I was informed my card was denied by their internal risk model yet I was not notified of this at the time so I could therefore change my funding source to a secondary credit card. I did not want this money coming from my bank account. PayPal offered no resolution and therefore I am stuck with the funds being debited from my bank account.
Product: Credit reporting or other personal consumer reports

I have been requesting Validation of debt from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. My request for validation started back on XXXX XXXX and continued through XXXX XXXX and still continuing. I will only provide one of the XX/XX/XXXX Validation letter and one of the XXXX XXXX Validation letter because the pages are many. 

I'm being sued by XXXX XXXX XXXX on the behave of XXXX XXXX XXXX XXXX XXXX. a Law firm to be exact. I am aware of the rights that I do have as a consumer. And as a consumer, after a request for debt validation, the law states that the debt collector must stop all collection efforts until they send me the requested information. 

As you can see, my request for validation was ignored and a lawsuit was applied. I also submitted my Answer to the court on XX/XX/XXXX as required. I also sent the Plaintiff a copy of my Answer as well. Did the Plaintiff receive it I'm not sure. My answer I requested certain information to be showed to me and still I have yet to receive that information. For a resolution I'm seeking for this case to be dismissed per violation pertaining to failure to respond to debt validation request in a timely manner. In the attachments are the following : 1. A letter of complaint to CFPB 2. Dispute Letters dated XX/XX/XXXX and XX/XX/XXXX 3.The State Of Texas Original Petition Citation Lawsuit From XXXX XXXX XXXX XXXX XXXX XXXX 4. Defendant 's Answer 5. USPS Tracking : Certified Mail Receipt
Product: Credit reporting or other personal consumer reports

My backpack was stolen out of my car which included, computer, external hard drive, passport, wallet, drivers license, credit cards, social security card, TWIC card. A police report was made along with several FTC complaints filed.

My credit report is show 2 accounts with XXXX XXXX XXXX Bank that are not correct and numerous injuries. 
XXXX XXXX Bank account # XXXX, XXXX XXXX Bank account # XXXX Inquiries - XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , All this is on my Transunion account and some of the items but not limited to all could have been caused due to the breach that Transunion had that put mu information at jeopardy.
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 accounts listed below still remain on my credit report in violation of Federal Law. The Equifax 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 UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

5 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.

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 then seven years.
Product: Money transfer, virtual currency, or money service

I had an issue with Cashapp. Someone used my card fraudulently to make a transaction to XXXX for the amount of {$500.00}. Upon contacting them they failed to provide a reasoning and just stared how I apparently violated XXXX. Cash app support failed to help me as they rejected my claim as they stated I did the transaction. Another time, someone got a hold of my account information and took {$700.00} from balance converted it to crypto and then withdrew from it. The moment that the transaction was pending I immediate contacted support asking them to cancel it. In return they gave a form to fill out for a dispute they had failed their security. Upon filling out the form I received an email two weeks later stating they had rejected my claim stating Im the one that made the transaction. I even had another time where cash app support failed to help me as another transaction that was made out of state of {$100.00} was made. To conclude cash app support is very negligent in their abilities to support consumers. Following the {$500.00} dispute, cash app closed my account for no reason at all.
Product: Checking or savings account

After entering the wrong password, my online account was locked out. I was told they would not do anything for 48 hours. This is unacceptable and punishes the customer. Especially when you are trying to move your bills from one bank to another.
Product: Credit reporting or other personal consumer reports

I demand that any XXXX XXXX XXXX accounts be blocked from my report due to identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2. 

XXXX XXXX, who provides cybersecurity services to the lender XXXX XXXX XXXX, released my identifying information to another person without my consent.
Product: Debt collection

After one missed auto-payment to LGW I began receiving threats about a judgment against me in 2014 that I was not able to defend myself for. I had called ( Lustig, Glaser and wilson ) to ask them to withdraw the bounced payment along with the next months auto withdrawel. I had not received a phone call in response. They ceased all payments and began threatening more court. I received to date, XXXX financial statements, XXXX of these were returned with no response ( letter said they would call with arrangement ) and Was served a summons for XXXX XXXX due to my " failure to communicate '' with them. After this summons they have sent me the fourth financial statement to " avoid appearing in court '' I have called and left messages and have written communication to the company with NO response at all and I am very frustrated with the threats to my family and financial stability ( which is quite unstable ) just to not receive any cooperation regarding my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Equifax, XXXX  and XXXX  XX/XX/XXXX, XX/XX/XXXX and XXXX  again XX/XX/XXXX regarding inaccurate information being reported on my credit report. They respond each time saying they verified the information as accurate. However the information being reported is in non-compliance with the FCRA which is in violation of my rights. I informed XXXX  the creditor XXXX XXXX XXXX is reporting inaccurate data 1. Date last updated says XX/XX/XXXX but I disputed this XXXX XXXX- 2. Past due reporting on a collection account, this is a violation 3. Late  payments/payment activity reporting on a collection account this is a violation They replied saying they verified the information as accurate and it still remains on my credit report to this day! 

Creditor, XXXX  XXXX XXXX 1.Past due amount showing on charged off account. 
2. Account shows 3 different dates last active : XXXX XX/XX/XXXX, Equifax XX/XX/XXXX and XXXX  XX/XX/XXXX. Additionally, this account has been re-aged. 

I asked them all to delete both accounts for FCRA non compliance which they havent. So due to these errors my credit score has suffered. 

All 3 bureaus failed to complete a proper investigation because they profit off of these errors. 

The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate-which they know this information is NOT! 

EQUIFAX has merged my account with my ex-boyfriend from over 10 years ago and they refuse to delink our accounts. I have requested a personal pin to be mailed to me in order to access my info. I received it and when i go on their website they say i have no account, so i contacted them via e-mail. The rep told me they fixed it yet i still cant access my account online and i always fail verification because they ask me about HIS car loans and mortgage lenders which clearly i do not know this information. They wont give my a copy of my credit report even though I have sent in my ID AND BANK STATEMNT documents for a dispute! 

Ive asked them NUMEROUS times to fix this but again they make money off of errors they dont actually care about providing customer service.
Product: Credit card or prepaid card

I filed a complaint with Capital One in XXXX 2020. There were multiple charges on my account that I did not make. When I became aware of these charges I called Capital One and I explained to them that I did not make the charges. Capital One investigated for XXXX month and then they reversed the charges and put the money back in my account. Today XX/XX/XXXX I tried to make a purchase with my credit card and it was denied only for me to learn that they have reversed the charges. I called Capital One and spoke to XXXX who identified himself as the manager of the fraud department his ID # is XXXX. He explained that the reason that it was reversed was because I did not mention that the card was in my possession at the time even though I did because I mentioned to the representative the first time that my card was lost/stolen. XXXX told me that I have to go and now get a police report and not once has Capital One communicated any of this information with me. The dates and amounts for these transactions are as follows : XXXX2020-XXXX2020 {$410.00} {$330.00} {$310.00} {$110.00} {$46.00} {$38.00} {$31.00} {$29.00} {$17.00}
Product: Credit reporting or other personal consumer reports

Inquiries from multiple companies that I didnt authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX FILES TO BE TAKEN OFF MY CREDIT REPORT NEGATIVE CHARGED OFF ACCOUNTS XXXX XXXX XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXXXXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Debt collection

TRANSWORLD SYSTEMS INC. never contacted me prior to reporting a derogatory account in XXXX XXXX to the credit bureaus. Furthermore, the account was already disputed with the original loan servicer as a result of identity theft and was past the statue of limitations for collection and reporting retention per California law. I 've learned from the listed original servicer - XXXX XXXX XXXX ( XXXX ) that the fraudulent unknown account was supposedly opened in XXXX of XXXX and no payments were ever made to the account, it went into non-payment went into non Payment in XXXX and is past the statues of limitations for collection in California and for credit reporting retention. However, on XXXX of XXXX, this company that HAS NEVER ATTEMPTED TO CONTACT ME ONCE reported this derogatory account information to the credit bureau ILLEGITIMATELY and FALSELY reported that the last payment received was on XXXX/XXXX/XXXX when no payments were ever made to this fraudulent account nor recorded by the listed original servicer of the alleged account. This is unlawful and against Fair Debt Collection Practices Act.
Product: Student loan

Because of my inability to repay my loans, Navient has offered me several Opprutinities of deferment and forbearance, never any income based repayment plan. I was n't until recently that I learned what an IBR was. I believe that Navient and XXXX XXXX purposely offered plans to accumulate more interest for my loan. When offering deferments and forbearances Navient should also proactively offer IBR for borrowers with financial difficulty.