23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Contacted Avant credit card about a charge for XXXX music that wasn't mine. They sent me to fraud department ( so called ) all the man could do was stop the account and send it to fraud department he wanted to know how long it had been going on. I looked back a few months and found it to have be going on for a few months. I started to look farther into the account. I found out the first time I applied was XXXX of 2018. It said closed second was opened XX/XX/2018 XXXX has a few little charges and then I see a balance carried over but it said nothing from where, I ask them about that girl look into it more said she doesn't understand there was a third account! I had thought these were house bills I paid with the card or something then I seen a charge from XXXX  XXXX  XXXX and cash advance XXXX. I should of taken a screen show of it because since i.said something now it is gone. We refinanced the house to get out of debt I was fine for one month and again the 9 something shows up on my account again. I have spoken to this web based credit card company 6 times telling them they never closed my account they said they did I had to out a stop on my account I have been making payments on for over 5 years now on things I never changed. And no one as yet to call me back. Please help me figure this out I am disabled and can only put out the money that has to be. Please help me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I  have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

WHAT IS XXXX CONSEQUENCE? 
In repeatedly violation of the Fair Credit Reporting Act, XXXX, with the assista

nce of the three credit bureaus, continues to report false information about a consolidated federal student loan and they jointly continue to disseminate and blatantly wrong information as a result. WHAT IS THE CONSEQUENCE FOR THE THREE CREDIT
BUREAUS ( TRANSUNION, XXXX, AND XXXX  )? 
XXXX and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information, in direct violation of the Fair Credit Reporting Act.

WHO IS CULPABLE FOR THESE ERRORS?

The three credit bureaus whose sole business is to report accurate  information but they decline to do so. XXXX, the business that is reporting the bogus information to the credit bureaus is also culpable. They are both culpable and they both need to be held accountable.

The errors have been and continue to be significant. The differences are evident. It should not be this difficult to get XXXX and the three credit bureaus to report accurate information because - IT IS THE LAW. 

XXXX, through XXXX XXXX, has lied and disseminated false and misleading information repeatedly. While XXXX XXXX of XXXX has regularly contradicted herself in multiple written communications, she did acknowledge, in writing, the following : 1. There was only one, single consolidated loan not two.

2. The consolidation of that one, single loan was executed in XXXX. 
3. The consolidated amount was {$33000.00} 4. The final payment  was on XX/XX/XXXX ; XXXX cashed the check on XX/XX/XXXX. 
5. The final payment amount was/is {$19000.00} Please refer to the attachments.
Product: Credit reporting or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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

This is my XXXX request to have these accounts and inquiries removed from my EQUIFAX credit report. I have also asked the creditors to provide proof that these accounts and inquires belong to me. The creditors have not provided any proof that these accounts and inquiries belong to me. However the creditors are still stating the accounts and inquiries are verifiable and refuse to delete from my credit report
Product: Debt collection

Received a letter from H & R accounts regarding two accounts with XXXX XXXX, wrote a letter disputing the accounts based on my records showed they had been paid. received a follow up letter XX/XX/2023 claiming they did their research and the debts were valid. the only problem is they don't show any payments that I made to XXXX XXXX despite all the checks being cashed. I am writing a letter to XXXX XXXX to get this resolved, but also filing a complaint against H & R accounts for still pursuing a debt that is not paid. 

the list of checks sent XXXX {$25.00} XXXX {$15.00} XXXX {$10.00} XXXX {$15.00} XXXX {$15.00} XXXX {$15.00} XXXX {$15.00} XXXX {$15.00} XXXX {$15.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXACTUAL DATAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Focus XXXX XXXX opened an XXXX XXXX Account XXXX XXXX XXXX about 6 months ago. They claim that I owe them {$230.00} dollars when I dont have XXXX XXXX cable. I lost my wallet the previous year and I believe that it might just be identity fraud.
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up complaint regarding an unresolved dispute with TransUnion related to inaccurate credit reporting by XXXX XXXX XXXX XXXX 

Despite a previous dispute through the CFPB, TransUnion has failed to provide the results of their reinvestigation within the 60 calendar days they promised. This violates the FCRA ( 15 U.S.C. 1681i ), which requires reinvestigation and written results within 3045 days. 

The account in question is originally from XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) and was opened in XXXX. It was charged off and closed around XXXX, after being sold and resold by multiple debt buyers. It is now more than seven years old, time-barred from reporting under the FCRA. 

XXXX XXXX XXXX is falsely reporting an Opened Date of XX/XX/XXXX, which constitutes illegal re-aging of the debt. XXXX Bank no longer lists this account under my name and has no record of the debt. Additionally, XXXX only sent written communication after I filed disputes through the credit bureaus and the CFPB, which is when they obtained my current address. They never contacted me before furnishing information to the credit bureaus. This violates the FDCPA ( 15 U.S.C. 1692g ( a ) ), which requires written notice within five days of the initial attempt to collect.

They also failed to provide : A proper validation of the debt ; Proof of ownership or assignment ; A valid chain of title from XXXXXXXX XXXX 

XXXX appears to be relying on a default judgment in XXXX XXXX. XXXX, but they are not listed as the plaintiff or creditor, and I was never properly served. The public court docket shows Not Found/Unserved, violating my due process rights. 

XXXX and XXXX have both removed this same account from my credit file. Only TransUnion continues to report it, despite having no evidence that the debt is valid, collectible, or reportable. 

Additional Note : I have also sent a letter to the courthouse regarding XXXX XXXX. XXXX to formally dispute the legitimacy of the judgment due to improper service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these hard inquiries from my equifax and XXXX reports but they wont remove them. These are fraudulent inquiries. 
XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

LVNV FUNDING LLC is on my credit report and I never had account with the company.
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! 
Below are the accounts in question : Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name : XXXX  Date Opened : XX/XX/2017 Reason for dispute : Identity Theft/Fraudulent Account Amount : {$17000.00}
Product: Credit reporting

Transunion is in violation of FCRA 15 U.S.C. 1681, 611 ( a ) ( 6 ) and ( 7 ). They continue not to investigate the inaccurate information that they are reporting on my credit file. They have not provided me with Physical evidence as to who, what, where they are getting this inaccurate information. They merely are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. This is my final attempt before I am forced to pursue litigation in my local circuit court. I have provided a description of each inaccurate account and case law surrounding what FCRA laws there are to abide by, which they have not been doing. Attached is a letter to once again dispute these inaccurate unverified accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX  XXXX XXXX, this loan was set on AUTO pay, when i realized there was a late pay reported on my credit I called them and they told me they attempted payment and it didnt go thru, no one called me no phone call, no emails, no mail letting me know my auto pay was removed. I spoke with a representative and she was able to withdrawl late payments from their records.
Product: Checking or savings account

I gave chase a federal Procendendo court order Notice For discharge of a double payment chase ignored the federal court order to return the funds, They made a chashier check for the credits then chase deposited the cashier checks into a Chase account and denied my federal court ordered claim 31 usc 9304 a ) When a law of the United States Government requires or permits a person to give a surety bond through a surety, the person satisfies the law if the surety bond is provided for the person by a corporation ( 1 ) incorporated under the laws of ( A ) the United States ; or ( B ) a State, the District of Columbia, or a territory or possession of the United States ; ( 2 ) that may under those laws guarantee ( A ) the fidelity of persons holding positions of trust ; and ( B ) bonds and undertakings in judicial proceedings ; and ( 3 ) complying with sections 9305 and 9306 of this title.

( b ) Each surety bond shall be approved by the official of the Government required to approve or accept the bond. The official may not require that the surety bond be given through a guaranty corporation or through any particular guaranty corporation.

Ucc 3-307 notice of breach fiduciary duties Ucc3-312 lost destroyed or stolen cashiers check, teller check certified check
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I have requested that Transunion investigate XXXX XXXX XXXX because I don't have an account with them. Their results indicated the account as verified. I spoke with XXXX XXXX briefly. I then told them that I have never heard of them. They have no Consumer Contract with my valid signature to verify this account. The Customer Service representative told me that they have my social security number as means to verify this account. I have been a victim of Identity Theft. My social security number could easily be obtained from the Dark Web. Transunion is allowing this company to verify my account using my social security number even though I submitted a written request requiring my creditors to provide physical verification. This is in violation of my consumer rights under section 609 of the Fair Credit Reporting Act.
Product: Debt collection

These were file with XXXX ins.of XXXX Minnesotathey are reporting on our credit file XX/XX/2012.They refuse to remove them from our credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I have had my credit report " unfrozen '' without my knowledge several times, most recently on XX/XX/year>. This causes unauthorized hard inquires. I have been told that my online account login information was changed by a bad actor gives them access to my credit report. XXXX has consistently told me that the security questions they ask are enough security, but since this person has stolen my identity, they have access to all the answers for the questions they ask.
Product: Credit reporting or other personal consumer reports

Good afternoon, it is XX/XX/XXXX and I have or had a loan with the XXXX XXXX XXXX for a vehicle loan on XX/XX/XXXX. which I gave the first payment on XX/XX/XXXX, XXXX which the next payment would be like this on the XXXX for 3 years. Which in the information that they themselves gave me says that the vehicle is already paid in full. I've been calling and they tell me that's the case but my credit has been at its worst. I have never said that I am not going to pay. The mistake is not mine, it is theirs from the beginning, so I demand that my credit be fixed in all the credit bureaus and thus they themselves can not fix what they themselves did. It hasn't stayed with me and I plan to catch up with the payments. And if it's already paid, tell me who paid for it. But they urge me to fix my credit as soon as possible because the fault here is not mine. Here I send a pleasant photo of when they tell me that the account has already been paid and they won't let me continue. Then I call on the phone and they tell me what I already mentioned here. thank you so much
Product: Credit card

I can no longer access my XXXX account. I had nearly XXXX points prior to making the conversion to the XXXX card and was actively participating in auctions on the website. Was told by a rep via email that a product conversion cancelled my points. I was not aware of that upon making the conversion and would like the opportunity to use my points.
Product: Credit reporting or other personal consumer reports

I have been in the dispute process with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for months. Initially I began my disputes with detailed letters explaining several FCRA violations that XXXX is in violation of and how the most important one according to " XXXX XXXX XXXX ( REGULATION V ) ''. In addition to several other FCRA law violations that XXXX XXXX XXXX is in violation of the one I am bringing up is the consumer right to " opt-out ''. I was never provided any opportunity to opt out of public information sharing or third party information sharing by the creditor XXXX XXXX XXXX. I sent them several letters explaining this law and they refused to acknowledge their violations and the breach of consumer privacy. Furthermore they sent me a copy of a contract of which I reviewed and yet there still was not any opt out form or any form bearing my wet ink signature, XXXX XXXX XXXX wet ink signature, or any third party non-affiliate signature allowing my personal private information to be shared. After recognizing letters were not working I began disputes with XXXX directly. Since XXXX of 2024 until current all my disputes have been verified as accurate. I even filed a FTC identity theft report and the account still got verified as accurate. On XX/XX/year> I called XXXX directly specifically the fraud department and asked how is this account being verified as accurate and what paperwork or documents are being provided to you all to verify the account. To my dismay the representative responded and said they do not conduct an investigation, that they send the request to the creditor and the creditor has XXXX days to respond. I asked how can you all report an account that impacts my personal life when you all do not review any documentation or contracts and verify that it coincides with federal law. I was told that everything is through the creditor. I requested to speak with an XXXX XXXX XXXX with whom they connected me to a woman by the name of " XXXX ''. I asked the same information, she very dismissively stated the same as the representative had before and claimed XXXX does not conduct any investigations nor reviews documents or contracts for validity in accordance to FCRA law but pretty much they just take the creditors word for it and reports anything. This has caused me emotional and financial strain as it has impacted my credit score, opportunities to obtain credit, jobs and more. XXXX XXXX XXXX is creating deceptive contracts and violating FCRA and consumer privacy laws as is XXXX XXXX XXXX.