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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent {$30.00} to a XXXX via PayPal. It was supposed to be in exchange for a festival ticket. The individual linked to that account, XXXX XXXX accepted the payment, but never had a ticket to offer. I sent a report to PayPal and they closed my dispute without any retribution.
Product: Debt collection

RECEIVED NOTIFICATION THAT COLLECTION WAS PLACED ON CREDIT FILE. NO INFORMATION RECEIVED TO VERIFY OR VALIDATE DEBT WAS OWED BY ME. THIS IS IN VIOLATION OF THE FCRA.
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 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

I demand immediate and decisive action to rectify the ongoing situation! I have meticulously reviewed my credit report and uncovered a highly erroneous entry lurking within the collections section. I previously dispatched a letter to XXXX XXXX XXXX  XXXX requesting comprehensive validation of the purported debt linked to account # XXXX. An enclosed copy of this letter is provided for your reference. To date, I have not received substantial evidence that unequivocally proves my responsibility for this alleged debt. The documentation sent by them merely displays the balance, but nothing else. I possess no records indicating any debt owed to this company in the stated amount. Given the collection agency 's inability to furnish concrete evidence of my legal obligation to pay this disputed debt, I demand the immediate removal of this entry from my credit report. I require written confirmation of this deletion. Also, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Product: Credit reporting or other personal consumer reports

Several attempts to contact the reporting agencies involved regarding this information being misreported on my credit file and no bankruptcy was filed yet they keep reporting it and not telling me how they're getting me information
Product: Debt collection

XXXX XXXX reporting a debt of {$330.00} was added to my personal file XX/XX/2016 as I discovered through my monitoring service. This account is a result of identity theft and has been reported and is being investigated and blocked from my file. I have tried to reach out to this company in regards to resolve and remove this fruadulant account from my file. This account does not belong to me.
Product: Credit reporting

filed chapter XX/XX/2014 credit first /firestone part of chapterXXXX creditor served still falsely showing open and 109 percent over limit. contacting Equifax twice to dispute it and Equifax failed to answer dispute or correct the errors doing damage to mine and my wife 's credit report which they added to my wife 's report almost a year later after the XX/XX/2014 chapter XXXX filing it seems obviously XXXX is intent on deliberately damaging our credit reports and Equifax is not working to resolve the matter I ask that they be made to remove this entry from both our credit reports if they can not be trusted to do the right thing
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies XXXX bureaus : XXXX, TransUnion, and XXXX ) : What happened Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following fraud alerts from my credit Experian:XXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX, XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX : 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 XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on a family members XXXX XXXX XXXX XXXX XXXXredit card account # XXXX opened on my family member removed me from their card, credit card account is closed i filed dispute to have the account removed from my equifax credit report two times and this error isn't fix yet. I am not responsible for this card i was just an authorized user in the past. I am no longer an authorized user.
Product: Debt collection

i have just received a copy of my credit report, it states that I had a judgment against me in XX/XX/2014. I do not know how I got this judgement against me as I was never given a notice to appear in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

Despite numerous attempts to contact the company in both writing and via telephone customer service, Ace Cash Express has REFUSED to allow me to enter into the required XXXX grace period the State of Florida requires for payday lenders to provide. Ace Cash Express has claimed ignorance of this requirement in Florida and instead of offering any assistance in postponing payment while I attempt to follow Florida law with credit counseling, Ace Cash Express cancelled the loan to attempt to force a full payment through my account. 

Ace Cash Express was notified on XX/XX/2022 that XXXX access to my account was revoked, and they have still made numerous attempts to remove funds from my account. Ace Cash Express is in violation of Florida law, specifically, XXXX XXXX. XXXX. XXXX, which dictates the grace period requirement for Payday loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Tranunion XX/XX/2022 and sent in all of the necessary information that the FTC instructed me to send after I was victim of identity theft. I dont check my credit report often or at all for that matter so I was not aware of these things until I recently made an attempt to move. After Transunion received the identity theft police report, FTC affidavit, FCRA Section 605B, my identifications, and statement noting that the transactions are a result of identity theft, Transunion responded in an effort to treat this situation as a general dispute and forced a 30 day investigation on me as if Im lying about being a victim of fraud. It is belittling, unbecoming and hindering my life. They made no effort to contact me within the 4 business days required in effort to block the fraudulent information being reported and its preventing me from moving into an apartment home. Ive attached Tranunions responses and have the full transcripts via the XXXX XXXX XXXX XXXX ID # XXXX. The complaint was closed as resolved but there was not an actual resolution. The fraudulent items still remain there and at this point transunion is in direct violation of the law.
Product: Checking or savings account

Opening a new checking account and after making 10 transactions or a direct deposit of {$1000.00} they would supply a bonus of {$250.00}. I have contacted them several times and even filled out more paper work after going into a branch. I completed the 10 debit card transactions with pin and also did a {$500.00} direct deposit. Both were completed before XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Its show miss incorrect late payment you can see the picture where they miss up. I dont have no miss payment. This account this pay in full they need to remove this account or the miss payment. If the reinvestgation under paragraph1 of any information dispute by consusumer an item of the information is found to be inaccurate or incomplete or Cabot be verified the consumer report agency shall promptly delete that item of information from file of the consumer or modify of information as appropriate base on the the result of the reinvestigation and. The information is wrong it as paid and close on my account they need remove XXXX  for my account
Product: Checking or savings account

I received an email saying that I still owe XXXX after my card was paid off and they said that it went to the full amount of my XXXX XXXX XXXX XXXX XXXX  I called the number in this email Im not receiving any information back but my email is saying I still owe the full amount so where did the XXXX go? 

I had my card stolen. They shouldve still withdrawn the {$35.00} because the new card was linked with the old account number. They shouldve never even missed a payment.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the continuous reporting of a late open account on my credit file, as maintained by Credit Bureaus. Despite multiple attempts to correct this inaccurate information, it continues to adversely affect my credit profile and financial standing. 

The late open account in question is associated with XXXX XXXX, and it has been inaccurately reported as late, despite my diligent efforts to ensure timely payments and compliance with all contractual obligations. This erroneous reporting has resulted in a significant negative impact on my credit score and financial opportunities.

I have taken the following steps in an attempt to rectify this situation : I have initiated disputes through your bureau, attaching all the necessary documentation to support the legitimacy of my claims. Regrettably, these disputes have not led to the correction of the inaccurate reporting. 

The continuous presence of this inaccurate information on my credit file has not only hampered my ability to access credit but has also caused considerable emotional distress and frustration. It is essential that this matter is resolved promptly to ensure the accuracy and integrity of my credit report. 

Implement measures to prevent the recurrence of such errors in the future and enhance the accuracy of credit reporting. 

I understand that accurate credit reporting is essential for individuals ' financial well-being, and I expect your bureau to uphold the highest standards of integrity and accuracy in this regard. 
Failure to address this complaint adequately may compel me to explore legal remedies and escalate this matter to relevant regulatory authorities. 

I appreciate your immediate attention to this matter and your commitment to resolving it in a timely and satisfactory manner. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Went to get added on my fiancs credit card as an authorized user bank teller ran my credit report for new credit card lines.
Product: Money transfer, virtual currency, or money service

My PayPal account is closed without any notice.
Product: Debt collection

Synchronicity Bank ( @ # 800 service, XXXX, ) twice called my number. The first call I ignored at XXXX XXXX on today, XX/XX/XXXX. I returned the call as they had awakened me, I suffer from XXXX XXXX   and have difficulty sleeping so this early morning wrong number was particularly disturbing. I spoke to XXXX and advised her, after she disclosed my number was linked erroneously to XXXX XXXX XXXX, that this number was not for that account holder, I owe nothing to them and demanded they stop calling me. The phone calls are recorded. I received a SECOND call at XXXX, same day, which I answered. Was connected, again on a recorded line with XXXX who I repeated the demand to cease all calls to this num, which I provided to XXXX. Please tell this creditor they have the wrong number and please also notify XXXX XXXX XXXX that Synchrony bank is illegally disclosing protected information to me, a third party, for whom Synchronicity has absolutely no authority to disclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated or removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

They have put this collection on my XXXX ( 8 ) eight times. I thought this was against the law. My credit score went from XXXX to XXXX. This collection agency is I C Systems Inc. XXXX XXXX 2021, XX/XX/2021, XXXX XXXX 2021, XX/XX/ 2021, XXXX XXXX 2021, XX/XX/2021, XXXX XXXX 2021, XX/XX/2021, This is all for the same bill.
Product: Mortgage

XXXX 2008 we requested a short sale from Countrywide on our XXXX XXXX property. We owed XXXX ; the offer was XXXX. We called and spoke with Countrywide Reps at least 50 times and were told it was being processed and then they sued us. The XXXX offeror gave up without an answer and bought another property. A new short sale for XXXX was presented. XXXX XXXX, Sr. VP Countrywide in CA called the buyer 's broker, told him to withdraw his offer, resubmit for XXXX and Countrywide would deliver the property. Countrywide also converted the property by locking us out, changing the locks and preventing us from selling to anyone. We wrote to XXXX XXXX, Bank of America CEO and send a complete file. a deputy called back, said they would check and we never heard from them again. Then BOA sold the mortgage to XXXX who added a new mortgage, perhaps XXXX XXXX. From 2008 until the present, we have never been allowed access to our home and XXXX has continued to destroy our credit beyond imagination. We now live in XXXX, are both XXXX citizens, and I am recovering from XXXX, XXXX 4 months ago. Saturday, we received a bill for over XXXX from the XXXX tax department for a property from which we have been prevented access for over 5 years. We have been harmed beyond imagination by a cadre of bankers and lawyers who ignored court rulings to review in good faith the offers we presented. We lost untold thousands of dollars not to mention an inability to protect our future, whatever it is. I have documentary proof of what I have written, names and numbers.