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

I recently learned how my identity was stolen. In XX/XX/XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XX/XX/XXXX. ( XX/XX/XXXX ) is my date of birth. My former employers have been changed. XX/XX/XXXX I worked for XXXX XXXX. XX/XX/XXXXI worked for XXXX XXXX XXXX XXXX. XX/XX/XXXX- XXXX XXXX-XXXX XXXX XXXX XXXX. I purchased my home at XXXX XXXX XXXX on XXXX/XXXX/XXXX. In XX/XX/XXXX I lived at XXXX XXXX XXXX XXXX. The XXXX XXXX. XXXX TN XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX-XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX-XXXX. XXXX XXXX XXXX allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XX/XX/XXXX when began receiving social security benefits. The bank allowed a Breach of Contract to take place. The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in Texas, XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX Family is using our deceased father social security number. Secret Service also notified of fraud, embezzlement, abuse of His Housing.
Product: Credit reporting or other personal consumer reports

TransUnion has allowed inaccurate information regarding a charged-off debt to remain on my credit report for over two months, despite my previous dispute. This delay in correcting the error violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain accurate information. By failing to address and resolve the dispute within the required time frame, TransUnion is in violation of its obligations to provide accurate credit reporting. 

attached are : -letter pre arbitration -credit report -ftc report
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XX/XX/year> {$8800.00} Personal Information : NAME : XXXX XXXX XXXX XXXX KNOWN AS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Multiple recorded calls from XXXX XXXX XXXX about a supposed debt owed to " state of sc '' a state in which i have never lived or worked.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( by Verisk ) can not provide consumer report per FCRA. 

Per the company 's website https : //fcra.verisk.com/, the only method to request for a consumer report is to call the XXXX Consumer Report Request Line at XXXX. 

However, no one answered the phone after a dozen of attempts ( within company 's business hours ). Therefore the company makes the consumer report inaccessible to consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was no sub category for this issue so this is probably in the wrong category. My Transunion credit score dropped 90 points in one day ( yesterday ). All of my open accounts are in good standing. My credit usage was reduced. All my open accounts are paid on time. My collections balance was reduced and yet this cause my credit score to drop by 90 points? I want Transunion to logically explain to me how my credit score can drop by 90 points when there is no new derogatory information that has been added. All my open accounts have been paid on time. My credit usage has reduced from last month. I have no new open accounts. I have no new credit inquiries. How is it possible that my credit score dropped by 90 points when my credit usage has been reduced from last month, my open accounts are all paid on time and in good standing, my collections balance has been reduced from last months balance. I have had nothing but positive things on my credit report and yet my credit score drops by 90 points. Not likely.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states XXXX  reporting payment status as collection/charge-off, comments states payment after charge off/ purchased by another lender, Who was this??????. and date of last payment as unknown. XXXX  reporting as payment status as collection/ charge off, comments status purchased by another lender, Who was this?????????. and date of last payment was XX/XX/XXXX. Equifax reporting payment status as collection/ charge-off, comments status consumer disputes, and date of last payment was XX/XX/XXXX and two-year payment history is reporting current history. Per your reporting different information between credit agencies, which makes this information invalid, which has caused denial of current and future funding, delete this account per violation. 

Per reporting, you claim this account was paid, by who? what payment type? and where is the original copy of the payment? In addition, if was sold to another lender, Who??????. how can and account be paid and sold to another lender at this same time????????? 

Please note, do not submit copies of credit card statements or payment history as proof, which is not valid proof and will not hold up in court. 

Per violation, you are reporting different information between credit agencies, which is hurting my financial situation and causing me pain and suffering. As a result, I will seek legal action for defamation and according to your reporting, it stats the debt is still showing unpaid, but sold to another lender, which has hurt my financial situation., which has caused denial for of current and future funding. In addition, if the account was paid and sold to another lender, then you have no legal right to still collect on this account, delete this account per violation. 

Please note, I have enclosed a screenshot of my current credit report as proof. Please review, as this a current and valid information.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the hard inquiries below : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a barclay bank account with a balance of XXXX on it this account is fraudulent the account that the payments were being made by is also fradualant
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am submitting this complaint because Trans Union will not help me. I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and my recent credit report. I am writing to request that you enforce Trans union to place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

Account name : XXXX XXXX XXXX Account number : XXXX Inquiries : name : XXXX date : XX/XX/XXXX name : XXXXXXXX XXXX XXXX date:XXXX name : XXXXXXXX XXXX  date : XX/XX/XXXX name : XXXX date : XX/XX/XXXX name : XXXX XXXX  date : XX/XX/XXXX name : XXXX date : XX/XX/XXXX name : XXXX XXXX date : XX/XX/XXXX name : XXXX XXXX date : XX/XX/XXXX I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my Trans union credit file. As you can see in my credit reports XXXX and XXXX have deleted and blocked this fraudulent account that was opened in my name. In fact, I did not send a regular dispute, I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per section 605B where it requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher of that information And also sections 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$2700.00}, XXXX XXXX XXXX XXXX XXXX : {$8200.00}, XXXX XXXX Balance : {$220.00}, XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX : {$0.00}XXXX XXXX XXXX XXXXXXXX Balance : {$9400.00}, XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I have a CURRENT VISA card and there were 2 transactions I was charged for that I know nothing about : 1 ) XXXX charge for {$49.00} on XX/XX/XXXX at XXXX, 2 ) XXXX XXXX for {$7.00} on XX/XX/XXXX at XXXX. 

I tried to dispute the first charge and was unable to get customer service support, so I blocked the vendor from being used again. 

After the second charge I was more persistent and finally got customer service to hear about my dispute. In searching through the details, I see there were other attempts made against this account, but I transferred all of the money out. Examples include : 1 ) XXXX at XXXX card was declined by XXXX  due to incorrect expiration date 2 ) XXXX at XXXX card was declined by XXXX  due to incorrect CVV number 3 ) XX/XX/XXXX at XXXX to XXXX card was declinedbyt Whitepages due to balance 4 ) XX/XX/XXXX at XXXX card was declined by XXXX XXXX due to balance . 6 additional attempts made to this vendor. 
5 ) XXXX at XXXX and XXXX at XXXX, 2 additional attempts were made to charge my card for XXXX purchases XXXX 

A formal dispute was filed with Current on XX/XX/XXXX. My card was cancelled and a new card was mailed to me. On XX/XX/XXXX, I received notice that my disputes were denied. 

I don't understand how they came to this dedtermination and why I was never contacted during the process to clarify or explain my case. I thought I dkid a good job at explaining the case, but based on the outcome, it seemds ok for CURRENT VISA cardholders to not have protection you would expect,. 

Thank you.
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX, XXXX for multiple violations of consumer financial protection laws that have negatively impacted my credit and consumer rights. Detailed below are the specific violations and the actions I am demanding in response. 

Violations : Failure to Provide Validation Information : Despite placing a collection entry on my consumer report, XXXX XXXX XXXX XXXX XXXX has not provided me with the requisite validation information as mandated under 12 CFR 1006.34 ( b ) ( 5 ). This lack of transparency and due diligence is unacceptable and has unjustly affected my credit standing. 

Denial of Dispute Opportunity : In contravention of 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been afforded the opportunity to dispute the account in question. This denial of my right to dispute is a direct violation of established consumer protection regulations. 

Use of Deceptive Practices : The collection tactics employed by XXXX XXXX XXXX XXXX XXXX involve false, misleading, and deceptive means, which is in clear violation of my consumer rights and breaches the trust inherent in fair collection practices. 

Unauthorized Reporting to Credit Bureaus : The agency has reported information to consumer reporting agencies without adhering to the necessary legal disclosures, violating both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This unauthorized reporting undermines the integrity of my consumer report and violates statutory requirements. 

Demands : In light of these violations, I hereby : Dispute All Alleged Debts : I am disputing any and all debts that XXXX XXXX XXXX XXXX XXXX claims I owe. I assert that these claims have not been validated and are disputed in full. 

Revoke Communication Rights : Effective immediately, I am revoking XXXX XXXX XXXX XXXX XXXX 's rights to contact me via email, text messages, or phone calls. All future communications should be directed in writing through postal mail. 

Request for Debt Validation : I am formally requesting a comprehensive validation of the alleged debt, including but not limited to the original creditor 's name, the date of the original charge, and the amount of the debt. 

Request for Purchase Agreement : Additionally, I request a copy of the purchase agreement between XXXX XXXX XXXX XXXX XXXX and the original creditor, proving the legitimacy of the debt and the authority to collect it. 

Proof of Licensing and Bonding : I also demand proof that XXXX XXXX XXXX XXXX XXXX is licensed and bonded to collect debts in my state, as required by law. 

I expect a prompt response to this complaint, addressing each violation and demand outlined above. Failure to satisfactorily resolve these issues may compel me to take further legal action, including but not limited to seeking remedies through litigation. 

Please consider this letter a formal notice of the aforementioned disputes and demands. I look forward to your timely and comprehensive response.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts on my most recent credit report due to significant violations of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), & the Federal Trade Commission ( FTC ). These violations pertain to inaccuracies, incomplete reporting, and failures to comply wither federal laws requiring accuracy & proper handling of disputes. All of these accounts below have been completely paid in full for several years now. The accounts in dispute follow : XXXX. CITI Account XXXX After reviewing my credit report, I have identified several discrepancies & violations that render these accounts invalid for reporting. Below are the specific violations of the FCRA, CFPB, & FTC : CITI Account XXXX Documented Inconsistencies : XXXX. Account # XXXX : o Multiple payment status discrepancies o Inconsistent reporting of late payments Applicable Laws & Violations : 1. Section 605 ( a ) of FCRA [ 15 U.S.C. 1681c ( a ) ] : " No consumer reporting agency may make any consumer report containing adverse information which antedates the report by more than seven years. '' Violation : Potentially reporting obsolete late payments 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 623 ( a ) ( 7 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 7 ) ] : " Furnishers must provide notice before furnishing negative information. '' Violation : No evidence of negative information notice 4. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Violation : Misrepresentation of payment status across bureaus 5. CFPB Bulletin 2013-09 : " Furnishers must establish and implement reasonable written policies and procedures regarding accuracy. '' Violation : Inconsistent reporting procedures evident
Product: Credit card or prepaid card

On XX/XX/2021, I discovered that my child support card issued by the State of Tennessee was missing from my wallet. Immediately after discovering the loss, there were several unauthorized charges totalling {$3100.00} to my child support card. The card was a Mastercard.. I immediately called the fraud services line and reported the theft of the card and the unauthorized charges. I promptly filled out the report form provided by the card issuer and despite writing a followup letter and a subsquent letter from my attorney, have gotten no response from the card issuer.
Product: Money transfer, virtual currency, or money service

Good Afternoon. I am reaching out to you in hopes that my situation gets attention and that I can receive help. On Monday XX/XX/XXXX of XXXX I shipped a computer system for {$1600.00} to someone in Oregon. this person made me believe that he had paid me thru XXXX in order for me to ship the Computer. But this was not the case. I never received any funds and instead the same user posted himself as a XXXX representative. Later on, the that same night I received a fake email from XXXX stating that I had to wait until the parcel was delivered before I could receive the funds. ( {$1600.00} ). On Friday XX/XX/2020 The buyer received the computer, and I received a notification from the same Fake XXXX. Stating that my account had a limited and that the buyer had to send me the amount of {$3000.00} in order for my account to expand. Moments later I received a text from the buyer regarding the {$3000.00}. He agreed the send these in order to expand my account. when he did I received a notification in regards to those {$3000.00} stating that I had to send the buyer their {$3000.00} back via any other platform except XXXX. At this point I'm just thinking of doing the right thing and I send her {$2500.00} from my XXXX XXXX XXXX  Account and {$500.00} from my wells Fargo Savings account. via XXXX. as soon as I did I was expecting " XXXX '' to deposit the sum of {$4700.00} that they stated was going to be credited in to my account = {$1600.00} from the computer, {$100.00} XXXX service fee and {$3000.00} that the sender supposedly had sent. When logging in to my XXXX account. these funds where nowhere to be seen. so i contacted XXXX thru the original app and they responded confirming that the XXXX that has been supposedly claiming to be XXXX was a fake account. at this point I got really upset and did not know what to do when I realized that I had lost {$3000.00} worth of saving and my computer. 
I decided to call my banks on XX/XX/2020 to see if they could reverse the transactions. They agreed to take my claim but stated that there is no guaranteed that I will receive my funds back. I really broke me the thought of not getting those funds and specially during this Covid-19 situation. I tried calling the buyer but the line appears to be disconnected. If you need a copy of any of this, I have all of this available.
Product: Debt collection

I am a federally protected consumer and Receivable Recovery Services has violated me under the provisions of 15 USC 1692 and 15 USC 1681.  Please review attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Social Security number was attacked by XXXX XXXX XXXX for a fraudulent charge of {$930.00} on XX/XX/XXXX. I did n't know charge was on my credit report until I tried to get a loan, then contacted Experian on XX/XX/XXXX. A little research showed they are a fraudulent company, and being sued for these practices. ( " XXXX XXXX XXXX " ) I contacted the credit reporting agency to fix this problem, and they did not remove the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX  ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 customer 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.