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

I discovered an unauthorized and inaccurate collection account on my credit report from TransUnion associated with XXXX XXXX XXXX, account number XXXX. This account does not belong to me and I am not aware of its source. I formally disputed this account with the credit bureau, requesting verification and deletion based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, [ Name of Credit Bureau ] has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus must conduct a reasonable inquiry and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit rating and affecting my financial situation. I believe the credit bureau 's failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX  XXXX  Account Number : XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. 


XXXX : XXXX XXXXXXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISIO to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any item in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Got took for a ride on a charge card with XXXX repair shop, ,bank synchrony over 3times nearly denied XXXX, XXXX  access, '' the actual right '' to use illusory purported credit line they said I had if {$2500.00} on several occassions even gas too.by doing this truth n lending, bank laws Federal Statutes many other il constitution state law statutes have been violated for things such as greed, during periods repair shop whatever they name had my car the bank cancelled my credit out with XXXX repairs, worseser trans n and new issues new strange noises etc, plus cheap parts refusal to repair it 88 percent where at least customer can't tell what's what usually how a repair should be done.u can't tell things were broken my car wonce strong runner promised steep RADIATOR notjing garbage aluminum radiator promised new steel one then bank tryed using the fact XXXX potholes caused it as a defense also garbage the banks threatening the old man but..their the partners n crime .I made a Whistblower report in his name n the bank right away threatened him lol..deep in shouldn't have to pay For racism discrimination I'm lending n availability of funds when getting my car picking it up but I'm.am so it's really XXXX, shut this bank down for much years of scamshish, fraud deceptive practice vs XXXX XXXX XXXX XXXX XXXX XXXX all bank reps foreign engaging n lies '' customer did this n that we didn't do*their cancelling threatening credit cuz they mad we report XXXX XXXX XXXX  synchrony was told today " I didn't have to give car back '' but..I told him XXXX XXXX XXXX   before I arrived cuz if banks XXXX, a lady use to check on me about car alot them I'd get a threatening call but she stopped she waived the rear end job XXXX {$800.00} n I'm disputing the radiator job, loss of strange horsepower, talked into keeping my car many days then, got it back broke down strange sounds I'm not paying XXXX $ for XXXX, radiator n XXXX shocks
Product: Checking or savings account

I deposited a {$5000.00} personal check through mobile deposit into my checking account, they put a six day hold on my check, even though it had cleared the very next day out of the persons account who wrote the check. I called them to ask questions and they basically told me that because I had overdrafted recently that they had to put a hold on the funds regardless if they had already received the funds from the other parties bank. So theyre holding my funds because I overdrafted like Im being punished for having financial problems. Which then putting a seven day hold on my check cause me a slew of financial problems because I still havent been able to pay my rent so Im having to pay tons of late fees. This isnt the first time that theyve done this to me. Also, I have overdraft protection, so I shouldnt be overdrafting. They have let my account overdraft hundreds of dollars before I have to lock my debit card. And then they charge me {$35.00} per overdraft no matter how big or small. If the transaction doesnt go through, I dont get a refund. Providing a screenshot of the seven day hold on my funds, the account was overdrawn XXXX or so dollars when deposited.
Product: Credit reporting or other personal consumer reports

I previously sent letters to Experian, XXXX, and XXXX in the months of XXXX, XXXX, and XXXX about incorrect information about a public record ( bankruptcy ) on my consumer report. However, the credit reporting agencies reported that all provided information was verified as 100 % correct. 

I sent a letter to the bankruptcy court and their response is attached. It is clear they do not report and or verify any information to the credit reporting agencies, the information was not verified directly with the clerk of the court. 

The reporting requirements do not comply with FCRA 611 ( 15 USC 1681 ) and the information must be deleted immediately. 

I have also attached the information as it appears on my consumer report. 

Thank you for your attention to this matter. I am committed to ensuring the accuracy of my credit report, as provided for under 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. 

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 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$68000.00}
Product: Credit card

XXXX XXXX  reduced my credit availability due to an item on XXXX XXXX report. I contacted XXXX XXXX and discovered it was a Credit Card open on CB Indigo that had never been paid. 
The account is not mine and was opened without my knowledge. After contacting CB Indigo and alerting them of this fraud i understand that they wrote off the balance. 
The problem is that the account still shows being open with XXXX balance but still in my name.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name 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 a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this account on my credit report I have for it to be validated but they have not this one is not mines XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Owed : {$6100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. Your inability to provide me with needed documents to prove your claims that the disputed items belong to me should have resulted in the deletion of the items in question. I demand you to comply with the Federal law and have the disputed items removed at all cost.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute against TransUnion and XXXX for continuing to report inaccurate information regarding my auto loan with XXXX, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This reporting has severely impacted my credit score and financial standing, despite the fact that the loan has been paid in full and was never late. 

Violation of the FCRA and FDCPA : FCRA Violations : Under the FCRA, credit reporting agencies are required to ensure 100 % accuracy in all the information they report. Both TransUnion and XXXX have failed to comply with this standard. The XXXX account in question is being reported as late and possibly still open, when in fact : The loan was paid in full with a payment of {$29000.00}. 
XXXX has confirmed that the loan was paid off and the account closed. 
I have received the title to the vehicle, clearly stating that I am the owner with no lien holders.

FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information. TransUnion and XXXX have failed to meet this obligation by continuing to report inaccurate and harmful information about this account. 
FDCPA Violations : The FDCPA requires that all communications related to debt collection, including credit reporting, be accurate and truthful. Reporting false late payments and maintaining an open account status when the loan is closed is a direct violation of this act. Additionally, I have never consented to reporting late payments because this loan has never been late. 

Supporting Documents : Title of the vehicle, proving I am the owner with no liens. 
Proof of full payment of the car loan, including the overpayment check returned to me by XXXX. 
A letter from XXXX, thanking me for paying the loan in full and confirming the account closure. 
Despite this overwhelming evidence, TransUnion and XXXX have continued to report inaccurate and false information, which is a clear violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ) and FDCPA provisions on accurate debt reporting. 

Request for Immediate Action : I am requesting the CFPBs assistance in ensuring that TransUnion and XXXX : Immediately remove this inaccurate XXXX account from my credit reports. 
Update their records to reflect that the XXXX loan is paid in full and has never been late. 
Comply with the FCRA and FDCPA by ensuring that my credit reports reflect 100 % accuracy as required by law. 
The continued reporting of this false information has caused significant damage to my credit score, resulting in lost opportunities, including a job and disqualification from a home loan. I ask for your swift assistance in correcting this issue. If this matter is not resolved, I will be forced to take legal action to seek compensation for damages caused by this wrongful reporting. 

Thank you for your prompt attention to this serious matter. I look forward to your timely response and a resolution that corrects these violations of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX associated with XXXX XXXX XXXX ( XXXX XXXX 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 a account without my written instructions. 

The following Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : 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: Money transfer, virtual currency, or money service

On XX/XX/2023, Clover Merchant Services, processed a credit-card payment in the amount of {$3900.00} in behalf of my business. The client was verified by Visa and the charges approved. Clover Merchant Services, refused to release the funds to my business for over 10 business days. The client could not wait any more for his product, so he demanded a full cancelation and refund to be applied to the same card. I have requested such refund from Clover and canceled the invoice. XXXX XXXX from Clover Corporate contacted me about the dispute and told me Clover was going to hold funds from my client up to 90 days for no reason, this could be considered in most instances theft, there is no reason why my client ( the victim here ) should not get his money back, no goods were delivered, and no money was ever deposited into my account by Clover. XXXX 's attitude, rudeness, discourtesy, and lack of empathy, reflect the true predatory nature of Clover 's corporate. She did nothing to help and it seem she enjoyed putting my client and my business in a dire situation. I would never do business with a company like this again. Stay far away from Clover Merchant Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

convergent outsourcing has illegally re aged alleged debt. A collection account is reporting as open on my credit report. Which is illegal and false information. I did n't enter into a contract with a debt collection agency. This false and deceptive practice had hurt my ability to obtain credit. They are reporting XXXX accounts from comenity bank and XXXX account from XXXX as opened by me. They also re aged the debt as if I recently opened these accounts once they were sent for collection. They claimed to have sent me verification of these accounts which is false. A collection account can not report as open that violates the FCRA and the dates and amounts are incorrect. I 've stated this for months and there was no proper investigation ever done. Also no resolve to my complaints. The only thing left for me to do is to seek punitive damages for what this has cost me. Since you wo n't investigate I have to make this a legal matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1.XXXX XXXX  - no balance is showing, limit of {$6000.00}, account partially listed - XXXX, date listed XX/XX/XXXX
Product: Mortgage

From XXXX our mortgage was transferred XXXX to Green Tree Servicing LLC.Since then we experienced change in our financial agreement. The name of the borrower and co-borrower were reversed and we received diferent tax interest form XXXX. 
We have XXXX phone calls and XXXX text message but they did not explained us is this change have been made on legal base.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed incorrect information contained in my credit report in a letter date XX/XX/2023. I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. Please see the attached dispute letter that is dated, and time stamped. I thank you for your kind attention to this matter and hope to receive my updated credit report soon.
Product: Debt collection

Trident Asset Managment Company XXXX XXXX XXXX, XXXX, XXXX XXXX. Has placed a collection account on my credit report for an outstanding electric bill at a service location XXXX XXXX XXXX XXXX XXXX. I have never lived at nor had electric service at this address
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATION TO CONSUMER FCRA AND METRO 2 COMPLIANCE # 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