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

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with 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 Balance : {$28000.00} XXXX XXXX XXXXXXXX Balance : {$3900.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with XXXXEquifax due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section XXXX - XXXX U.S.C. XXXX ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section XXXX - XXXX U.S.C. XXXX ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section XXXX ( 5 ) - XXXX U.S.C. XXXX ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section XXXX ( a ) ( 1 ) ( A ) - XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, Section XXXX - XXXX U.S.C. XXXX ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section XXXX - XXXX U.S.C. XXXX ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section XXXX - XXXX U.S.C. XXXX ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Debt collection

Transworld sent paperwork for me to complete after the first complaint l completed all paperwork and sent it in XX/XX/2024, I called on XX/XX/2024 and was told my email was received an XXXX would call me back, no call back at all I called Transworld on XX/XX/2024 and spoke with XXXX XXXX she had no idea the email was received asked me did I send in all the information which I did on XX/XX/2024 attached there is also two different account numbers on my paperwork from Transworld.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. MACYS/XXXX Inquired on XX/XX/2020, XXXX  XXXX XXXX Inquired on XXXX XXXX  2020, RESIDENT VERIFY Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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 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.
Product: Credit reporting or other personal consumer reports

Was notified via email on XXXX XXXX XXXX  a credit card account was opened using my name and my secondary email address. The bank name is current bank. On XXXX XXXX  the credit card appeared on my credit report. Ive never heard of this company before and ive never done business with them and never opened up any accounts with them.
Product: Credit card

I continue to receive unsolicited credit card application forms from Capital One even after I froze my credit and informed Capital One customer service to remove my name from their mailing list.
Product: Money transfer, virtual currency, or money service

My Venmo got frozen a few months ago, and the executive office has mail me an letter saying they are going to hold my funds up to 180 days then I can withdrawal on or before XX/XX/2020. But right now, I'm unable to login to my old Venmo account due to I changed my phone number and I had my old phone number linked to my old account so I'm unable to receive code to verify my account, I tried to login with old device but it still asked me to sent a code to old phone number XXXX.
Product: Debt collection

On XXXX/XXXX/XXXX Hunter Warfield was sent another request for validation and all account info and notified that the debt is not owed. Tracking # XXXX XXXX XXXX XXXX - As of today no response has been received. 

Previous request for debt validation tracking # XXXX XXXX XXXX XXXX XXXX Many other requests in writing however documents not accessible at this time. 

Their claim of over {$12000.00} for XXXX XXXX is a fraudulent amount and impossible. I submitted the signed and approved by XXXX XXXX `` XXXX XXXX Notice of Intent to Vacate '' on XXXX/XXXX/XXXX for move out on XXXX/XXXX/XXXX. XXXX was paid in full and an overage for XXXX. Later an attorney acknowledged that there was only a partial balance for XXXX and XXXX of {$4300.00} however that is AFTER and the case was dismissed because they were attempting to evict me when I had already moved out and provided notice with management signature. 

XXXX XXXX continues to ignore requests for validation and report inaccurate information and a debt that is not owed. They have not responded to recent request for removal 30 days ago.
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  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XX/XX/XXXXXXXX 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 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 card or prepaid card

On XX/XX/XXXX, an attempt is made to retrieve some money from an account that is not in use, which has no balance, because autopay changed the credit cards. On behalf of Synchrony Pep Boys credit card, this company ( Synchrony Bank ) makes two unsuccessful attempts to take the money from my account. When I realize this action, I decide to double the payment and do it on XX/XX/XXXX, covering all debt. The next day, I had an alert on my credit card page telling me to contact the company. What happened was that my account had been closed without prior notice or permission by the company. When I called the company, they transferred me to the proper department where they told me that they couldn't do anything about it.
Product: Credit reporting or other personal consumer reports

Several Inquiries do not belong on my account also student loans you guys keep trying to reopen does not belong to me and it has also been past XXXX days with no notification of you guys adding it on. See both attachments. Correct asap please.
Product: Credit reporting or other personal consumer reports

I have accounts that I do not recognize on my credit rort from XXXXXXXX XXXX I can't find any records of ever doing any business for credit with this copy. Please send me any type of proof of claim for this account the is an obvisously in error.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank- Victoria Secret credit card. 
Last reported XX/XX/2022 I am trying to close on a home and this is impacting my rate and holding up the closing process. I have made multiple attempts for over 2 weeks with NO resolve. 
Ref # XXXX to XXXX told use automated system for a XXXX $ balance system update has prohibited from updating to credit report she stated. 
Ref # XXXX XXXX helped set up portal said XXXX $ balance will show up in 24 hours fill complete a form to update bureau in 45 days. 
Could not access portal called back representative? said I need to get a family member to help me log on since I have issues accessing portal with XXXX XXXX. 
Family member has XXXX XXXX and could not access either received an error message each time. 
Called on a three way with family member and representative XXXX XXXX up on us. 
Ref # XXXX XXXX will going to submit urgent request to dept that faxes out the XXXX balance summary so this can be faxed to lender still no fax. XXXX also was aware there was an issue with the portal that information can not be accessed by customers. Called again today spoke with a rep and she said the Ref # XXXX XXXX to call back today promised to create a complaint sheet to coach the sr 's who provided incorrect information each time as well was to email this was an urgent matter to the fax dept and call back it is now XXXX XXXX  and still no one has gotten back to me. This process has been going on for over 2 weeks now they are not reporting information to the credit bureau, the fax they say is broken and the portal does not work to access and down load secure statements. This type of service and behavior is not acceptable and is negatively impacting my interest rate and ability to close on my home. The Comenity company has given nothing but excuses, the run around and very poor service. Please help me.
Product: Debt collection

I am filing a formal complaint against LVNV Funding LLC, care of Resurgent Capital Services L.P., regarding a fraudulent account that has been wrongfully attributed to me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX LVNV Funding LLC is attempting to collect on an account that does not belong to me, and they have reported it to the credit bureaus under an address that is incorrect and has never been associated with me. 

Despite my previous disputes and requests for verification, they have failed to provide legally sufficient proof that I am the rightful owner of this account. Instead, they have only provided a bill with my name and the incorrect address, which does not constitute legitimate validation under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ) or the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ).

Violations of Consumer Protection Laws : Failure to Provide Adequate Proof of Ownership ( 15 U.S.C. 1692g ( b ) ) Under the FDCPA, a debt collector must provide competent evidence that a debt is valid and belongs to the consumer. A bill with incorrect address information is insufficient proof.

Reporting Inaccurate Information to Credit Bureaus ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Furnishing inaccurate information to credit reporting agencies is a violation of the FCRA. LVNV Funding LLC has reported a debt under an incorrect address, raising concerns about data integrity and fraudulent reporting.

Failure to Investigate My Dispute ( 15 U.S.C. 1681i ( a ) ) I disputed this fraudulent account, yet LVNV Funding LLC and Resurgent Capital Services have failed to conduct a reasonable investigation or provide legitimate proof of ownership beyond an invalid bill.

Furthermore, I have never lived at the address associated with this account. In fact, my government-issued ID, which was issued in XXXX, lists my correct address XXXX XXXX XXXX XXXX XXXX IL XXXX making it impossible for me to have received mail at the incorrect address you are using. This raises serious concerns about the accuracy of your records and potentially fraudulent activity. 

HOW CAN I OPEN UP XXXX XXXX IN XXXX AND XXXX XXXX XXXX IN XXXX IF I NEVER LIVED THERE ACCORDING TO MY ID AND BILLS? HOW WILL THE BANKS SEND ME MY CREDIT CARDS OR BILLS IF I LIVED AT XXXX XXXX XXXX SINCE XXXX?
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these account. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account :
Product: Credit reporting

There are Hard Inquiries on my report that were not authorized. I am in the process of repairing my credit and noticed these inquiries. When I called, I was told that I had to call those companies directly, who in turn tried to point me back to the bureaus which is becoming very frustrating.
Product: Credit reporting

So I have sent several letters to the credit bureau regarding XXXX accounts that are reflecting negatively on my credit report, XXXX of the accounts is XXXX, I have disputed stating that the account is inaccurate and I would like for it to be deleted, However the credit bureau sent me a letter stating the verified the information, I then asked for their verification method along with any documentation that they recieved to match it against my records, they did not provide that information, I then asked for information from them to find out who they spoke with and how did they speak with them, They still in return did not send me any information and continued to say that they verified the information but has yet to tell me how. Another account would be XXXX, I sent a letter along with a check to XXXX asking them consider the account closed and paid by cashing the check that they received, They cashed the check which mean they agreed to remove the account and consider it paid, I sent the same method and information to the credit bureau requesting the account to be removed and they have not removed it and stated that they verified the information, of course, I asked for proof and any documentation along with the representative that they spoke with and they were not able to provide that information to me. I sent check # XXXX in the amount of {$45.00} and it was shown that it was cashed by XXXX on XX/XX/2017. 
Another account would be a bankruptcy listed on my credit report, the credit bureau sent me a letter stating they verified it through XXXX, I then spoke with XXXX on XX/XX/2017 at XXXX and the Representative XXXX told me that no one has called or sent in any documentation to verify anything with XXXX on behalf of me, So I am not understanding how they claim to verify a bankruptcy.
Product: Debt collection

This company handles Perkins Loans for XXXX University. I have not been a student for over 4 years and I had all my student loans forgiven through XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. In XX/XX/XXXX, I reached out to XXXX and gave them all the information regarding the XXXX approval and had a conference call with XXXX, XXXX and myself to have this taken care of then. Then, in XX/XX/XXXX of this year, I see that this loan was reported on my credit report in XX/XX/XXXX of this year. I called XXXX University and found out that XXXX is in charge of the Perkins Loans. After confirming with XXXX and XXXX that this reporting on my credit report was from a XXXX XXXX that was to be forgiven by XXXX over 2 years ago, I was asked by UAS to send over the approval letter again to show that I was approved. I sent them this documentation, along with the original email with them in XX/XX/XXXX. I was told by XXXX that this should have never been reported on my credit report and they would request that it be removed immediately on XX/XX/XXXX. After several emails and talking with experian, as of today, XX/XX/XXXX, this has still not been removed from my credit report. According to XXXX, every time I dispute this, they correct information instead of just accepting the dispute. I have several emails from XXXX saying that this account is handled by XXXX   and from XXXX  saying that this should have never been reported to the credit agencies.
Product: Credit reporting or other personal consumer reports

I disputed a fraudulent placement on my credit report and today I was notified by TRANSUNION that the furnisher provided proof of this inaccurate placement on my credit report. TRANSUNION failed to provide me the furnishers name and address to dispute this frivolous report. Pursuant to 15 USC 1681b this information was not given or written to use my information for any purpose. Pursuant under 15 USC 1681q TransUnion is knowingly obtaining false information under false pretense. Under 15 USC 1681o civil liability for negligent noncompliance. I request under 15 USC 1681d ( 3 ). This information was obtained under false verification from both parties. I also have unauthorized inquires on my credit report that weren't authorized by me. The unauthorized hard inquiries may also constitute violations of 15 U.S.C. 1681 ( b ) ( c ), which outlines the duties of consumer reporting agencies regarding the accuracy of consumer information, as well as 18 U.S.C. 242, which prohibits deprivation of rights under color of law. Child support obligations have been inaccurately included in my credit history. As per 15 U.S.C. 1681 ( e ), child support obligations do not belong on my credit report, as they are not considered debts owed to creditors. Therefore, I am formally disputing the inclusion of child support obligations on my credit reports and request their immediate removal. This is fraudulent information.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Did not authorize these inquiries i called to dispute and company says call credit agency and credit agency says call companies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has acknowledged an account opened on XX/XX/year> in my name using a forged ID, Forged SSN and false bank account information. They have given me XXXX letters stating this My problem is with Experian, They keep telling me they are taking care of it, but they do not. They are happy to take my monthly membership fee and not actually do anything at all except give me excuses. 

XXXX account number XXXX, that XXXX has closed and verified twice date opened XX/XX/year> for {$83.00}