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

I have tried disputing this account several times with the credit bureaus and they have ignored my claim and proof that this account is inaccurate and violating my rights. This is my final attempt to have XXXX cooperate before proceeding with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan with XXXX XXXX today XX/XX/20 and unfortunately, I was not approved because there are two accounts negatively impacting my credit. The accounts are from a company called XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have never opened any an account with either of those companies nor did I ever give them permission to run or access my credit information. I did not allow anyone to open accounts with these companies in my name and I have already reported these accounts to the police. I did not benefit anything from these accounts being opened in my name without my permission and I did not contribute to any payments made towards these accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Request to investigate reinsertion of collection on credit file in violation of FCRA Dear Sir/Madam, I am writing to bring to your attention a matter regarding the reinsertion of a collection account on my credit file, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ). The collection account in question reappeared on my credit report without proper validation or notification, which is concerning as it may inaccurately impact my creditworthiness.

I would like to formally request that XXXX XXXXt investigate this reinsertion of the collection account and provide me with detailed information on the verification process undertaken. As a consumer protected under the FCRA, I expect full compliance with the law in all credit reporting activities. 

Please provide me with a written explanation of the reinsertion of this collection account, including any supporting documentation and verification procedures conducted. Additionally, I request that XXXX XXXX  correct any inaccuracies on my credit report resulting from this reinsertion in a timely manner. 

I appreciate your prompt attention to this matter and look forward to your timely response. Should you require any further information from me, please do not hesitate to reach out using the contact details provided above. 

Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX Account Number - XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Prepaid card

My whole direct deposit is gone! No funds in my account due to a " Upgraded System ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX 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: Checking or savings account

XXXX XXXX XXXX I saw a charge of my account for {$2600.00} for XXXXXXXX XXXX I do not own any XXXX devices or any XXXX accounts I reported the {$2600.00} to Bank of America Bank of America did the investigation for more than 6 months after I kept complaining about the investigation and why I have not gotten any of my refunds back months later in XXXX of XXXX  you guys gave me a credit of {$2600.00} I was informed that that credit was a refund I said okay not a problem then I was also informed that I owed the back {$2600.00} cuz supposedly the bank gave me the partial credit and in reality the bank did not give me any credit I had to wait 6 Plus months to try to get a credit from you guys finally you guys tell me again that XXXX refunded the money I have never heard of a bank that gives you partial credit and a refund at the same time that's a little bit impossible so what Bank of America did was put me in collections and mess up my credit and say that I still owe {$2600.00} which is considered fraud fraud because of the simple fact that I don't owe any of those devices that have not show me proof that I purchased anything and they also closed all my accounts
Product: Debt collection

Twenty two years ago when I was XXXX XXXX XXXX I signed a Retail Installment Contract with XXXX XXXX XXXX to finance a gym membership with XXXX XXXX XXXX in the amount of {$1000.00}. Four years later my wife was served at our home at XXXX XXXX XXXX XXXX GA XXXX with Civil Action 98-CV-1308 in regards to this unpaid contract. A judgement in this matter was filed on XXXX XXXX, XXXX and my wages were subsequently garnished until the judgment was satisfied in full. Please see the attached documentation showing the garnishment on this matter was satisfied in full on XXXX XXXX, XXXX. I never heard anything further regarding this matter. We were never informed of any liens on our property pertaining to this matter. 

On XXXX XXXX, XXXX I received a letter from XXXX in regards to a judgment in the matter of XXXX XXXX XXXX in the amount of {$770.00}. On XXXX XXXX, XXXX I called and spoke to XXXX XXXX with this firm and discovered that this was the XXXX judgment. I informed him that this judgement has been satisfied twenty years ago when my wages were garnished. I also requested Validation of the Debt and followed up this call with a letter ( see attached ). I never heard anything back from this firm nor received any Debt Validation. 

XXXX XXXX, XXXX I sold my property at XXXX XXXX XXXX and a law firm handled the paperwork pertaining to that transaction. Subsequent to the sale of my property I was contacted by the law firm because they had been contacted by Cooling and Winter regarding an unpaid lien on my property in the amount of {$820.00}. After researching this matter I have discovered that it is in fact in regards to the debt that was collected by XXXX XXXX XXXX and XXXX back in XXXX. After the satisfaction of the debt by garnishing my wages they subsequently filed not one but two liens against my property. One in XXXX and one in XXXX, both on a debt that had been fully satisfied back in XXXX by my wage garnishment. The firm who handled my closing unfortunately paid them the money and are now trying to recollect it from me.
Product: Credit reporting

I have previously disputed with this showing me that they have signed documentation that I owe them the said accounts. The only thing I have received is the uploaded information. This is not showing me that I 'm the person who has a signed contract with this company. They are stating they have reviewed the clients files, but no type of documentation was forwarded to me. I 'm requesting accounts ( both ) to be removed from all XXXX credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them letter last XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. KINDLY UPDATE THESE ACCOUNTS THAT STILL REPORTING ON MY ACCOUNT. Thank you. 
XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$6200.00} // Late Opened XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$120000.00} // Late Opened
Product: Debt collection

Portfolio Recovery Associates is reporting on my XXXX credit report and for the amount of {$410.00}. This item is not mine.
Product: Debt collection

I notice there was a collection on my credit report from Aargon collection agency. I contacted the agency to see what the debt was for and was told for an electric bill with XXXX  XXXX. I told them I've never had any utilities with XXXX XXXXXXXX and asked for validation of the debt because I've been a victim of identity theft numerous times. I was told there was nothing they ( Aargon Collection Agency ) other than make pay the debt or make arrangements. 
I called XXXX who called Aargon Collection Agency with me on the phone, Aargon Collection Agency told XXXX and myself that I would have to contact XXXX XXXXXXXX. I explained that not only was debt not my responsibility ( due to identity theft ) neither Aargon Collection Agency nor XXXX XXXXXXXX tried to contact me about the bill prior to putting a collection agency flag on my credit report. 
XXXX called XXXX XXXXXXXX with me on the phone. XXXX XXXXXXXX stated that I had opened up an account on XX/XX/XXXX to XX/XX/XXXX and that I owed {$880.00}. The account number is XXXX and at the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX. 
I explained to XXXX XXXXXXXX that not only have I never lived at that address but I never lived in XXXX. That account was opened under fraud, XXXX XXXXXXXX told me that they would send me a form to fill out and once I returned it they will investigate the account be fraudulent. 
Here is the other part of my headache. XXXX XXXXXXXX wants a police report, I've tried getting XXXX online with XXXX XXXX Police. Due to the nature of the fraud XXXX XXXX Police won't allow me to open up a fraud report online. The XXXX options XXXX XXXX Police was to physically go in person to XXXX XXXX and fill out a report or do a report with my local police department. I went to my local police department here in XXXX, Tx and was told I would have to do the report with the XXXX XXXX police department because the crime took place there. 
I honestly thought about flying there ( XXXX XXXX ) for a day just to fill out the report. However I don't have the time or the money to do that. XXXX XXXXXXXX also wanted a photocopy of my driver 's license, passport, XXXX of the following pay stub, utility bill or lease agreement. 
My issue with that request from XXXX XXXXXXXX is that they should have gotten that identity information and proof of residence BEFORE the account was open. Also with the ongoing nightmare of years of identity theft I do not feel comfortable sending out such personal documents. 
NV XXXX should file the police report, XXXX XXXXXXXX should reach out to the management of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX and see who was leaving and the identification they had when leasing the residence. Me having XXXX for years and with XXXX also contacting both Aargon Collection Agency and XXXX XXXXXXXX should let them both know it was not me that opened the that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Discover never researched the fraud charges. I know they did not because the Police is still investigating and waiting for documents. I have asked to see every one of the charges. Also the name of the clients the lawyer charged me for, I've never been to XXXX let alone see a lawyer. I NEVER AUTHORIZED ANY CHARGES. THAT PERSON TOOK ALL MY CREDIT CARDS AND DRIVERS LICENSE. I WAS UNDER EXTREME DERESS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) TO MEET HIS DEMANDS, " OR ELSE '' I'M XXXX XXXX AND DISCOVER IS MAKING ME MAKE ALMOST {$800.00} PAYMENTS A MONTH LEAVING ME WITH NOTHING TO HAVE FOOD, MEDICINE ETC. I DID NOT DO THIS!!!!!!! 

ALSO WHY DID DISCOVER GO OVER MY CREDIT LIMIT BY {$19000.00} THIS IS WRONG. I SHOULD NOT HAVE TO PAY ANYTHING BUT DISCOVER WILL NOT HELP AT ALL. THEY HAVE BEEN TERRIBLE TO DEAL WITH. BUT GOING OVER THE LIMIT NEVER HAPPENS ON OTHER CARDS WITHOUT NOTIFYING ME AND CERTAINLY NOT {$19000.00}. 

I'M PROTESTING THIS TERRIBLE INJUSTICE. THEY NEED TO HELP ME AND REVERSE THE CHARGES LIKE IT SAYS IN THEIR TERMS. 

I WAS IN FEAR FOR MY LIFE, XXXX AS I SAID, THE FAKE DETECTIVE TOOK ALL MY LIFE 'S SAVING " OR ELSE '' CHARGE ON OTHER CARDS, HOWEVER THE BANKS ON THOSE CHARGES GOT REVERSED. 

I WILL FIGHT THESE CHARGES TO GET THEM REVERSED PLEASE HELP ME CFPB, THEY ARE WRONG DOING THIS TO ME. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. I was negatively impacted by TRANSUNION, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. But I do not see any details about your investigation. XXXX XXXX XXXX XXXX My personal information also was exposed in a data breach, and Ive identified inaccurate information on my credit report as a result. I am requesting that this information be removed immediately under the protections provided by Section 605B of the Fair Credit Reporting Act. This is not a standard disputeI am invoking my rights as an identity theft victim. Please ensure this is processed within the required four-day timeline, as outlined in Section 605B.
Product: Student loan

I have loans with MyFedLoan. They have been at 0 % interest for over a year, but I am seeing in my account that I somehow have {$12.00} in interest. I do not understand how this happened and want an explanation or that interest removed. Servicer has been unresponsive.
Product: Checking or savings account

Wellsfargo automatically opened acct when wellsfargo mortgage bought out my mortgage bank in 2011. And I have lost money on my mortgage. 
I have XXXX so I'm sure the records will straighten out that owes me. Thank you
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX bal. {$0.00}, XXXX XXXX. {$0.00}, XXXX XXXX. {$0.00}, XXXX XXXX XXXX. {$0.00}, XXXX XXXX. {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I want Trans Union, XXXX and XXXX to immediately delete and remove all fraud alerts and security freezes from my Trans Union, XXXX and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX multiple time. XXXX, XXXX, XXXX This debt buyer, The furnisher is reporting multiple account numbers for this account and is not forthcoming with actual legitimate verification. 

This reported information is inaccurate and can not be substantiated. 


.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies allowed incorrect invalidated information to my profile, addresses that are not mine they refuse to remove & they refuse to take off negative accounts. I only have one address and sent them certified mail an information update form that they kindly ignored to follow. Then the customer service agent was rude and told me she didnt want to hear my complaining.
Product: Debt collection

I don't recognize this agency i don't have any contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

all three reports have been reporting different dates since the have been reporting on my reports, I asked for proof of accuracy XXXX  they can't. Literally when i call they confirm that they can't. I don't understand how I was never billed for these accounts yet they are reporting reporting not only late/closed but also a collection ( can it even be both? ) I went to refinance my house XXXX  they told me I had derogatory remarks XXXX  was not rejected. At this point I'm not use what to do get justice, this is information is inaccurate XXXX  completely false. You can not report inaccurate information this a violation.if the law can't help me who or what will? Please investigate that this account is reporting XXXX accurate i see so many errors which is a FCRA violation XXXX  XXXX  XXXX are reporting the same dates XXXX  TransUnion another. I told them about it XXXX  they still are violating me by listing misleading information. I can't believe this is my life right now I can lose the roof over my head due to these false accounts. As soon as possible I need these accounts updated by remove all late payments XXXX  change the payment status to current because of Cares Act or deleted at once.
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 : Untitled Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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.