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

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's XXXX Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$2800.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$1900.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$5000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$190.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX  XXXX/XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX/XXXX  XXXX  Account Number : XXXX AMOUNT : {$770.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$41000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX BANK ) Account Number : XXXX AMOUNT : {$930.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX AMOUNT : {$640.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX AMOUNT : {$1200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX BANK ) Account Number : XXXX AMOUNT : {$460.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  ) Account Number : XXXX AMOUNT : {$690.00} Reason : Account is fraudulent Inquiries : XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX/XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went with my boyfriend XX/XX/2019 to look at cars at XXXX XXXX in XXXX, Kentucky. I told the employee that I did not want my credit ran multiple times and he assured me that it would only be ran once. I get my yearly credit report and see that he ran my credit 5 times on transunion and once on equifax. I did NOT consent to this and it is incredibly against what I told the man. If I had known he would have ran my credit this many times I would have left and not even gotten that far.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lower my score by 79 points with no reason. 
XXXX lower my credit score by 73 points with no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have disputed with both Experian and the collection company on the inaccuracies being reported on my report. I sent certified letters on XX/XX/2021 with no response to the company. XXXX XXXX XXXX has violated my ( HIPAA ) rights as I have asked them to provide documentation of my written signature stating the release of any information or contract I have signed be provided to me. I am allowed to have my privacy PROCTED. I disputed on XX/XX/2021 with Experian. See CERTIFIED LETTER .. Experian has allowed this violation by continuing to validate and not verify this information. The results of there dispute are attached along with letter I sent to them requesting verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, I'm not able to get in contact with equifax about getting my online account unblocked. I can't get a hold of them due to the hold time etc. It seems the other credit bureaus are much easier to work with myself and get a hold of. I sent a complaint # # XXXX a while ago and it was resolved on XX/XX/XXXX. According to them, I needed to send in a package showing two forms of identification including my social security and letter of instruction on what I'm requesting. I provided them with the information they requested back in XXXX. I haven't heard back from them nor have I been able to get into my account online. When I try to reset it online, I'm getting an error message that I have the incorrect information. All I'm requesting from them is to reset/unblock my account online so I can have full access that way I can either remove or add the security freeze on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020. I SIGNED UP FOR CREDIT REPAIR SERVICES WITH KNA CREDIT SERVICES ALSO KNOWN AS KNA GLOBAL ENTERPRISES. I PAID THE COMPANY A {$1000.00} START UP FEE. THEN SADLY COVID 19 WAS ESTABLISHED. I REACHED OUT SEVERAL TIMES DURING THE PANDEMIC, MOST OF THE TIME THERE WAS NO ANSWER OR NO ONE IN THE OFFICE. THEN I WAS TOLD THEY WERE NO LONGER WORKING IN THE OFFICE THAT THEY WERE WORKING FROM HOME. AFTER THE PAYMENT WAS MADE I DIDNT HEAR FROM THE COMPANY SO I REACHED OUT AGAIN AFTER NOT HEARING ANYTHING FOR 9 MONTHS. THEN I WAS TOLD TO CHECK MY EMAIL AND THAT ALL UPDATES WOULD NOW BE THROUGH EMAIL. ALSO THAT I HAD TO SIGN UP FOR UPDATES THROUGH THE CLIENT PORTAL. BASICALLY ITS BEEN LIE AFTER LIE. MY CREDIT WAS NEVER REPAIRED AND I STILL HAVE NOT GOTTEN A REFUND AFTER 2 YEARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor did I ask any of these companies to pull my credit. it has been well mover 30 days and there has been no conclusion of the investigation I've asked for.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation yall are in is HJR 192. As all depths are prepaid, there is no valid claim for any further payment. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Product: Vehicle loan or lease

On our about XX/XX/2020 I paid off the balance of my auto loan with TD Auto Finance ( about {$13000.00}, payoff letter is included in attachments ). On XX/XX/2020 I received the payoff letter ( attached ). On XX/XX/2020 my automatic car loan payment set up through my checking account bank ( XXXX ) posted to my account ( I forgot to turn off the automatic payments!!! This payment is shown in the attached bank statement ). On or about XX/XX/2020 I called TD Auto Finance and was assured that TD Auto Finance would issue me a refund check. On or about XX/XX/2020 I called to check on the status of the refund check and was told that the payment never cleared XXXX it did XXXX. I called back the same day and gave TD Bank the transaction number from XXXX XXXX. I was then told that that information would be sent to their refund department for processing. I called back on or about XX/XX/2020 and was told that the refund check had been mailed on XXXX XXXX, 2020. I called back for status on XX/XX/2020 and was told their refund department was backed up and the check would be mailed on XXXX XXXX, 2020. Still having not received the refund check, I called TD Auto Finance on XX/XX/2020 and was told that the automatic payment never cleared ( it did and has never been refunded ). I acknowledge that it is my fault that I forgot to turn off my automatic payments, but why has it taken almost two months to get me my money back?? I have contacted a consumer protection lawyer and am preparing to file a lawsuit. This is my last ditch effort to get my {$500.00} back before the filing of the suit.
Product: Credit card or prepaid card

XX/XX/XXXX-XX/XX/XXXX and before I was charged by " XXXX XXXX '' and total of at least {$380.00}. I had spoke with someone to cancel and it was never cancelled. I called and cancelled it again today. When XXXX XXXX switched to Citibank, I never agreed to anything from " XXXX XXXX ''. Back in XX/XX/XXXX, I received a letter from Citi saying I would received letter that I would receive credit of {$130.00} due to a similiar problem. It seems there is an issue with credit protection agreements and XXXX and/or Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Equifax and XXXX  throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent accounts they are reporting inaccurately.
Product: Credit reporting or other personal consumer reports

Once again I am battling with USBank who reported a delinquency on my credit trying to ruin my credit reports. They are trying to ruin my credit reputation this bank is discriminatory and I am going to try to prove it! I filled a dispute XXXX who refused to remove it after I stated that the loan failed behind due to a Covid forbearance under the Cares Act I dont believe USBank should be able to destroy my credit they have already stated that they havent done it to anyone else this is becoming a real issue with these banking institutions and credit bureaus. I am filling a complaint against both of them. I uploaded the documents to XXXX and they have not responded or fixed the problem.
Product: Debt collection

Performant Recovery calls my home and mobile phone repeatedly, harrassing me about a false debt. They claim they were contracted by the Department of Treasury to collect {$700000.00} in back taxes from me. None of which is true. My taxes are paid and up to date. I have never received documentation from anyone about this false debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/TransUnion/XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX  ACCT : XXXX AMT : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$670.00} XXXX XXXX, XXXX. ACCT : XXXX AMT : {$100.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$7700.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX You also have an address listed for me as : XXXX XXXX XXXX XXXX XXXX, SC XXXX This will be removed as this is NOT ACCURATE! You Have my information belonging to another state! 









I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX  and XXXX, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
Any physical proof that an account established by me, should be sent to me with such direct information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX  - Account Number : XXXX Account Name : TRUIST - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13. 

2. The creditor failed to send a written acknowledgement of the consumers billing error notice dated on or about XX/XX/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a )
Product: Checking or savings account

We were told to send money through XXXX for a product and were scammed {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report that are not mine, I am attaching a FTC/Police report. With proof of my identity, please remove these inquiries right away. It is not right.
Product: Credit reporting or other personal consumer reports

Ive reviewed my credit report and noticed the following inaccurate items. The accounts below are not mine : Capital One Account Number : XXXX Account Opened : XX/XX/year> Account Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

2 accounts show for Comenty Bank | Ann Taylor Loft, the second account with a credit limit of {$2700.00} was negotiated pay for delete. Payments arrangements were made and the balance was paid in full. Reflecting a charge off ( CO ) is  inaccurate as this debt was resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX**** Balance {$13.00} XXXX XXXX Balance : {$78.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting

I completed and signed a foreclosure settlement with XXXX XXXX XXXX on a property through my attorney on XXXX/XXXX/XXXX. Shortly after, another lender I do not know and never had any dealings with named " XXXX XXXX XXXX '' began sending me default notices and late payment bills after the settlement agreement was recorded on XXXX XXXX. I was never able to get in touch with XXXX or find out how they are involved. Since then, my credit report shows both " late payments '' and " foreclosure '' listed under also XXXX XXXX management, in addition to the late payments listed for XXXX, with identical origination dates. In other words, the settled debt it is now listed as duplicate on my report -- once as XXXX and again as the XXXX company who I 've never had dealings with. After many letters to all XXXX Credit reporting agencies requesting verification, I was successful in removing XXXX entry from the XXXX CRA back on XXXX XXXX. Unfortunately after repeated requests to investigate, incorrect information remains unchanged on both my XXXX and Equifax reports and neither CRA has given me documentation of any debt owed to this XXXX company. I have attached my foreclosure agreement I signed XXXX/XXXX/XXXX and also credit reports of XXXX and Equifax showing the incorrect XXXX entries on my credit report.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts by 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, and I'm including it again. 
XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and remove them immediately in my report : XXXX XXXX XXXX
Product: Credit reporting

XX/XX/XXXX Chapter XXXX Bankruptcy petition # XXXX was filed in Hawaii and included creditor XXXX XXXX for an unknown amount ( guessed {$540.00} ). 
XX/XX/XXXX Chapter XXXX Bankruptcy discharged # XXXX including XXXX XXXX debt. 
XX/XX/XXXX - XXXX XXXX has continued to forward discharged debt to collection agencies. This item has been disputed multiple times, both directly with the creditor and through the credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent notice to XXXX  credit report where my mortgage company says i didnt pay XX/XX/2018 payment i paid XXXX cents on XX/XX/2018. My payments areXXXX a month .i cant and dont know why this happens every month
Product: Checking or savings account

I opened checking and saving account ( XXXX ) with Citizen bank early XXXX and they promised me XXXX welcome bonus. In those XXXX, XXXX is for direct deposit to checking account and XXXX is for 3 month consecutive deposit ( with more than XXXX ) to saving account. 

I direct deposit over XXXX to the checking account and transfer XXXX to saving account each month. I double check with staff while I open account if this practice would qualify the promotion bonus. 

Now they told me transfer is not deposit, and I am not qualified for bonus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX Tx XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent.

o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX