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

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Please remove these fraudulent accounts, and update or correct the inacurate informations on credit report. As you know they are in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Trans Union must follow provisions of the Fair Credit Reporting Act ( FCRA ). It must follow FTC regulations where applicable. On XXXX XXXX, XXXX, I called Trans Union to request that they remove XXXX hard inquiries that appear on my report. Specifically, I requested that they remove XXXX XXXX ( XXXX XXXX, XXXX ) located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I also asked that they remove a XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ). Both XXXX XXXX and XXXX XXXX were not aware and not willing to provide additional information. However, Trans Union placed the obligation on me, the consumer. The representative at Trans Union stated that a consumer must document why an inquiry is wrong. In other words, a business entity that conducts a hard credit pull is not obligated to document why that was done. In cases where such a hard pull is erroneous ( for whatever reason ) it is simply not possible for a consumer to document how that occurred. In fact, it is not possible. My understanding of federal consumer protection regulations is that all three Credit Reporting bureaus must investigate a matter and must remove erroneous information. The consumer, pursuant to federal rules, is not defenseless and it is not correct to state to a consumer that Trans Union " can not remove or investigate an erroneous matter. '' Please assist.
Product: Credit card or prepaid card

CAPITAL ONE is reporting on my personal credit file. This company has illegally re-aged this account. Please investigate thoroughly and delete this account from my file. 

( CAPITAL ONE 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. 

XXXX XXXX XXXX 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 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: Debt collection

Credit collection services is attempting to collect debt however they are not registered or insured to collect debt for the state of PA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the charges and did not authorize use I would like for these derogatory remarks removed from my credit report. 

{$1100.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX Original creditor {$520.00} Open balance XXXX XXXX XXXX Original creditor {$280.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX Original creditor {$130.00} Open balance XXXX XXXX XXXX Original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two loans on my credit report that are not mine I have been disputing these for some time now and nothing is happening no one is helping me!!! 

XXXX - Acct # XXXX Amt {$2800.00} Opened XX/XX/2002 XXXX  - Acct # XXXX Amt {$2200.00} Opened XX/XX/2002 2002
Product: Debt collection

The issue related to this fraudulent debt claim is a direct result of XXXX XXXX XXXX billing us for services after we had already terminated our service within the XXXX grace period after signing up on XX/XX/XXXX. We only had the service for XXXX, yet XXXX & XXXX still attempted to bill for services we did not receive because our account had been terminated. 

We spent countless hours and trips to the local XXXX XXXX XXXX store attempting to resolve the issue until finally he we were able to get the issue resolved with the local XXXX XXXX. XXXX XXXX XXXX issued a credit adjustment to the account, and we paid the remaining final balance the same day in the store on XX/XX/XXXX. See attached Exhibit 3. Prince Parkers Debt Collection Letter was preemptive and unwarranted. Enclosed with this letter are copies of supporting documents that the debt was pending resolution with XXXX XXXX XXXX and has since been resolved. 

Supporting Documents : Exhibit XXXX : XXXX XXXX XXXX Final Bill Disputed in Store ( XX/XX/XXXX XXXX ) Exhibit XXXX : Prince Parker Debt Collection Letter ( XX/XX/XXXX ) Exhibit XXXX : XXXX XXXX XXXX Adjustment Made and Payment Paid in Store ( XX/XX/XXXX ) Exhibit XXXX : XXXX XXXX XXXX  Final Adjusted Bill Sent ( XX/XX/XXXX ) Exhibit XXXX : XXXX XXXX XXXX  Final Letter After Payment Made ( XX/XX/XXXX ) XXXX XXXX XXXX made a credit adjustment of {$270.00}, which was issued on the account. Afterwards, XXXX XXXX XXXX paid the remaining difference of {$150.00}. The account is now deemed paid-in-full effective XX/XX/XXXX. We request that Prince Parker cease all debt collection activities for this account because it would be deemed unlawful to proceed further. 

We also request that Prince Parker and XXXX XXXX XXXX do not report any negative credit claims against XXXX XXXX XXXX to any Credit Bureau since this issue was resolved back in XXXX XXXX days after Prince Parker sent the Debt Collection Notice and that letter was preemptive and unnecessary. 

We received a debt collection call on XX/XX/XXXX after sending a dispute letter to Prince Parker. We informed them that the debt was not owed and sent email communication to their customer service email with electronic copies of the dispute letter with all exhibits. We recently received another Debt Collection Letter dated XX/XX/XXXX of XXXX from Prince Parker even after we spoke to them and told them the debt was not owed and sent email confirmation to confirm with evidence. 

We want the debt collection to stop and to not have negative reporting to the company 's credit report due to their fraudulent behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to all 3 companies about XXXX XXXX XXXX  collection on my credit report for XXXX. I had requested validation of this account being they claim it is verified. To adhere to my rights as a consumer, I have the right to see how they validated this account with a contract between me and XXXX XXXX XXXX  showing I owe them. Still to this day despite three requests of this, each company failed to respond with this proof. 

I had a account with XXXX starting in XX/XX/2013 when I moved to XXXX XXXX. I was not working and had {$500.00} in pa benefits, {$400.00} which went to rent leaving {$100.00} for bills and other needs. My XXXX  bill was in arrears starting XX/XX/2013. This never became current while I had this account. I did not have the funds and relied on heap to help prevent shut offs. Due to this, the law states debt is to not be reported after seven years of first delinquency, this is clearly a 9 year old debt. 

Approximately a year and a half ago I had applied for XXXX in XXXX for this bill owed and was APPROVED for full amount. XXXX was paid by XXXX. 

Which makes this debt invalid due to law of 7 years and it being paid. I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {$43000.00}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT
Product: Credit card or prepaid card

I purchased an item using XXXX, the total of the purchase is {$24.00}. On XX/XX/2020, I opened a dispute with XXXX because the seller sent me the wrong item, I returned the item to the seller, the seller is from XXXX so the item is only able to be tracked in the United States. I was told at the post office that once the item reached XXXX, that I wouldnt be able to see the tracking information being updated because they didnt have control over it. I provided XXXX with the tracking number on XX/XX/2020. The tracking information is stuck on XX/XX/2020 and it wont be updated for this same reason, I believe that the seller has already received his item and I still dont have my money refunded to my PayPal credit account. The tracking number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account with number of XXXX by ACIMA DIGITAL FKA SIMP that as of XX/XX/XXXX reflects inaccurate information to the credit reporting agency as a charge off in the amount of {$2900.00} as of XX/XX/XXXX. 

I have requested multiple occasions the validation of this account from the furnisher but have failed to receive any information or documentation pertaining to his account. 

This account was fraudulently opened by a business who was no longer in business at the time this account went into collections. I have researched this account and the business that it was purchased under is no longer operating under the state of Florida. The lease agreement under ACIMA DIGITAL FKA SIMP was for a vehicle sale which the business at the time agreed upon under my name. An actual vehicle sale, not an accessory but an actual vehicle. I do not believe ACIMA has the authority in the state of Florida to proceed in the purchase of automobiles. 

This account needs to be removed from my report immediately due to the activity that occurred in XXXX and resulted in a charge off to my credit file.
Product: Credit reporting

XX/XX/2016 I sent an investigation request regarding XXXX tax liens that were filed in error reporting on Equifax XXXX credit report for me, and Equifax alone. I submitted XXXX letters from the XXXX Attorney General XXXX of XXXX that state that the tax lien was in fact, filed in error by their office, it was null and void, and request for Equifax to remove it. Equifax ignore the letters and sent back " XXXX '' for both. I called Equifax, spoke with a supervisor who attempted to an investigation while on the phone but said he felt the letterhead was fake. He never called the office to verify or went online to the Ohio XXXX docket to verify. I have supporting documents, called the XXXX office who supports me, submitted a dispute with XXXX because the XXXX XXXX said XXXX gave Equifax the false information. Equifax still wo n't budge. This hurts me tremendously. I am a XXXX XXXX XXXX of XXXX firms and these blemishes are thwarting my current expansion efforts. I have included the XXXX letter stating it was null and void, the XXXX XXXX Docket showing that they are reporting the wrong amount, and the follow up letter for the Ohio IRS stating the same and the Equifax response to my request that include the wrong address for the XXXX, further proof that no investigation was conducted. I never received another response from Equifax from my phone call dispute with the supervisor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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

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. 

The following accounts on my credit report has violated my rights : XXXX XXXX XXXX, Account # XXXX, for the amount of {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, for the amount of {$730.00} XXXX : Account # XXXX XXXX for the amount of {$520.00} 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: Debt collection

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value.

Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 16811 once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed some unauthorized inaccurate discrepancies on my credit report. 15 U.S.C. 1692c ( c ) states if a consumer notifies a debt collection company that the consumer refuses to pay the debt collector the debt collection company must cease all communication. Law 15 U.S.C. 1692cc prohibits debt collectors from communicating with third parties in connection with the collection of any debt. A debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known. This is a notification letter to the following debtor. No type of payment will be made on this unlawful debt. I request that the following debtor cease all communication. Account : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Use remitly to send urgent money abroad, believing that they will deposit in " minutes '' as their advertising says and beo it takes around 6 hours for the shipment. I used the service on XX/XX/2020 at XXXX XXXX, in total it was XXXX dollars and they told me XXXX for the shipment. I expected to receive the money in minutes as its advertising says but then I realize that an email arrives saying that it would be delivered on XX/XX/2020 at XXXX XXXX. This is not an Express service as advertised. I feel cheated by this company.

Now I have to go out and look for where to send the urgent money because it does not work for me 6 hours later. I need it in " minutes '' in the destination account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX -Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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

XXXX XXXX XXXX Account # Unknown, Open Balance {$210.00} ( Collections ) has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 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

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 XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

Bank of America branch manager. Released a letter to the police with both my name and address in violating the privacy act. 
The branch in question is. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Washington XXXX
Product: Credit reporting or other personal consumer reports

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