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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX {$0.00} CAP XXXX XXXX {$0.00} XXXX {$0.00} XXXX {$22000.00} XXXX {$22000.00} XXXX XXXX {$420.00} XXXX Bankruptcy XXXX Amount : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Product: Credit card or prepaid card

I tried to resolve a dispute regarding a deposit charge that was supposed to be returned to me from a XXXX XXXX XXXX car dealership. Per the agreement submitted to the CapitalOne credit card company section 12 this deposit was supposed to be returned if the sale of a used car did not go through. This was acknowledged by Capitalone and discussed in detail with a fraud supervisor named XXXX in a recorded conversation but the CapitalOne company still did not reverse the charge and claimed the decision was not up them but with " either XX/XX/XXXX or XX/XX/XXXX ''. Capitalone did not live up to its Agreement to have protection from false billing as it claimed when I signed up with the company as a client.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to file a complaint concerning inaccurate information on my credit report. I believe this information is incorrect and would like your assistance in resolving this issue. 
Personal Information : Full Name : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Information : Credit Bureau Name XXXX [ XXXX, Equifax, XXXX ] Report Date : [ XX/XX/year> ] Details of the Inaccurate Information : Account Name or Number : [ Provide details of the account ] Nature of Inaccuracy : [ The Names Addresses and Date of Birth that is being reporting is inaccurate- Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your attention to this matter and request your assistance in ensuring that my credit report is corrected. Please keep me informed about the progress of my complaint. 
Thank you for your time and assistance. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Theses Account have Affected my credit. # XXXX # XXXX # XXXX  # XXXX  # XXXX  according to the fair credit reporting act ( FCRA ) 605B Its is illegal to report information on my Credit report without my permission please remove these items from my credit report
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
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  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

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX Balance {$0.00}, XXXX XXXXXXXX Balance {$1000.00}, XXXX XXXX  XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX Balance {$1100.00}, XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$830.00}, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX These agencies have made unauthorized inquiries into my credit and my background information.They do not have and have never had my consent to research my credit report. They do not have and have never had my consent to research my background.
Product: Debt collection

The original biller : Did not bill using the appropriate codes and modifiers. Therefore the insurance company rejected their claim. The insurance company ( XXXX ) explained how to bill appropriately and explained that to the original biller, who refused to include the modifier. I tried to explain to the biller what was required with a response that I know how to bill and the insurance company is wrong. I provided documentation that showed that the insurance company rejected it with the code as to why. This documentation showed that my out of pocket and deductible were both met. The biller still refused to bill correctly. This documentation has also been sent to the collection company. It is not appropriate to attempt to collect a debt that is caused because the biller does not know how to use insurance appropriately. This is clearly a dispute between XXXX and Credit Systems Inc or between XXXX and XXXX  XXXX XXXX XXXX. Both XXXX representatives and I attempted to assist XXXX  XXXX XXXX XXXX to bill correctly. Please note : That this is a single charge correction, total billing from XXXX  XXXX XXXX XXXX were significantly more and were all billed correctly and were paid.
Product: Money transfer, virtual currency, or money service

so i met a guy on XXXX and he was selling a gift card to me. He told me to send the money to his friend 's paypal account. I sent the money but the seller said that he cant take paypal and he will tell his friend to refund my money. After a few days he just blocked me.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting XXXX that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next XXXX  days. I know that you have up to XXXX days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 





Please delete the follow inaccurate names : XXXX XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX * XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX By reporting these XXXX you are in violation of XXXX5 USC 1681b ( a ) ( 2 ) : for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 




XXXX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 





Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under XXXX XXXX XXXX sec. XXXX. 



Regards. 

XXXX : XXXX ( Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
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 bya 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I PREVIOUSLY FILED CFPB COMPLAINT XXXX I DISAGREE WITH THE RESULTS THIS IS A VERY STRESSFUL TIME FOR ME AND IS CAUSING GREAT STRESS. PURSUANT TO FCRA 611 I REQUEST A REINVESTIGATION WITH STRICT PROOF METHOD OF VERIFICATION THE CONTESTED ITEMS 1. XXXX XXXX XXXX ACCOUNT XXXX, XXXX. XXXX XXXX AND XXXX  ACCOUNT XXXX, XXXX. XXXX XXXX AND XXXX  ACCOUNT XXXX, XXXX. XXXX XXXX AND XXXX  ACCOUNT XXXX, XXXX. XXXX CARD ACCOUNT XXXX, XXXX. XXXX XXXX  ACCOUNT XXXX, XXXX. XXXX XXXX XXXX XXXX ACCOUNT XXXX, XXXX. XXXX XXXX XXXX XXXX ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

XXXX Equifax XXXX i sent police report and ftc reports many times but got refused and error. saying the police report was not honored and that the blocking or the removal of debt was not accurate. I was denied my right to privacy contacted all 3 company about the information that was reported on my credit report with out my knowledge I also let the companies know that I was a victim and I need assistance on my behalf XXXX has a policy where I had purchased insurance from there conpany saying if I was a victim I will get help up to a XXXX XXXX  which never happened and they refused the matter,. I also try to upload documents which they said they didnt received but I know I uploaded documents on each matter with the cfpb they said they didnt receive any information from cfpb complaint.This matter has case me XXXX  XXXX  issues denied loans and etc. I need help with this matter I took legal actions and they still not honoring the ftc reports and police reports I also reach out to actual companies they sent deletion letters and XXXX and XXXX and equifax still not honoring, breaking all my laws to uphold debt in my name illegally. XXXX XXXX XXXX  XXXX {$60000.00} XXXXXXXX XXXX XXXX but they have it at a diffrent amount showed on the reports. see attachments.
Product: Credit reporting or other personal consumer reports

I have a child support balance that is supposed to be removed it is illegal to have on my credit report and XXXX and XXXX removed it experian hasnt
Product: Debt collection

I contacted this company in regards to an account that was reported to my credit. I have never received notification of this debt to my address. I confirmed my address at which I have lived for over 4 years. I have no knowledge of this account and I called this company to request the validation of the debt so that I may file a police report for fraud. I was told they could not provide the validation and that I would need to file a fraud claim without any information. I explained to the representative and a manager that I was never notified of this debt and I am disputing the validity of the debt under the written law. I requested this company to remove the erroneous illegal derogatory error from my credit report until the validation that I owe this bill could be provided and I was told that it would not be done. This is illegal to not notify a consumer of a debt. I understand my rights and all I am asking is this debt be proven to be mine. This company is refusing to prove I owe and stating I have to prove I don't owe. How can I dispute a bill I have no knowledge of? I am going to pursue legal action for my rights being violated.
Product: Credit reporting or other personal consumer reports

Recently, I learned of the lawsuit filed against Equifax by the CFPB. Given the serious nature of the allegations and the investigation surrounding their practices, I respectfully request your assistance in addressing my ongoing issues with this credit bureau. 

To reiterate, I am requesting that Equifax, XXXX and XXXX XXXX remove all negative accounts that are not accurate or for which I have not provided permission for reporting. My hope is that the actions taken by the CFPB will create a more favorable outcome for consumers like myself who have faced difficulties due to inaccurate credit reporting. 

Despite submitting my complaint and providing evidence that substantiated my claims, Equifax and XXXX XXXX has failed to correct the erroneous information on my credit report. Moreover, they added some new information without my consent, which I believe is a violation of my rights I appreciate your attention to this matter and look forward to your response. Please let me know if any additional information or documentation is required to expedite the review of my case. 

Thank you for your continued commitment to protecting consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated the following accounts were properly investigated : Account name : XXXX XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX  XXXX Account # : XXXX Account name : XXXX XXXX XXXXXXXX Account # : XXXX How could it be possible for them to properly investigate these accounts if the open dates are inaccurate, the dates last active are inaccurate, and the dates last reported are inaccurate. This is groud for removal. 

They also have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly stats a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer.
Product: Debt collection

This is a debt from a business I was involved in and I did not agree to take on this debt personally. I never provided my SSN. they obtained it illegally
Product: Credit reporting, credit repair services, or other personal consumer reports

For quite some time Ive been dealing with a possible Mix match identity situation and have a few things on my credit report that does not belong to me.
Product: Credit reporting or other personal consumer reports

I have been trying without success to have this credit bureau place a freeze on my credit report, I have sent in letters with my particulars for a credit freeze to be placed on my account or credit report without success as I was a victim of identity theft in the past. 
Kindly and please place a credit freeze on my credit report immediately please.
Product: Debt collection

I have discrepancies showing on my report. 
XXXX XXXX XXXX '' XXXX '' XXXX shows account listed as " Charge OFF '' and XXXX shows account as " Collection ''. 
Midland Funding XXXX account is listed as " Charge OFF '', XXXX " Collection ", and XXXX   " Collection ''.
Product: Mortgage

I called my servicer ( Ameris Bank ) on XXXX separate occasions to inquire about tax penalties that were included in my escrow analysis. The first representative told me the penalties were due to not setting up an escrow account when the loan was established. From the attached document ( Opt in - Escrow - Loan Closing Disclosures ), it is evident that I opted into an escrow account and that the error was on Ameris Bank. She then explained that they would be advancing payments of {$440.00} for the next 12 months to cover the shortage beginning XX/XX/XXXX. She advised me to file a claim, as did the other XXXX representatives. They advised emailing " XXXX ''. I sent XXXX separate emails and have still yet to get an answer. Additionally, the escrow balance and escrow amount beginning XX/XX/XXXX does not reconcile. ( See columns XXXX and XXXX in the " Account history '' attached ). I still do not have an answer as to why the calculation is incorrect. It is clear that Ameris Bank did not pay XXXX XXXX on time and are now attempting to pass the late fees onto me.
Product: Checking or savings account

In XXXX my account was hacked for XXXX it caused an overdraft fee to occur and the bank applied a {$50.00} credit on my checking account. The bank stated that I withdrew the money at a gas station in XXXX. I never withdrew the money from the banker at Regions in XXXX XXXX GA, even said the withdrawal times didn't make sense but region corporate refused to refund the money into my account. They currently owe me {$80.00} I have tried over and over again to get this resolved and Regions has failed again and again.
Product: Credit reporting or other personal consumer reports

I request that TransUnion, XXXX, and XXXX provide the following information to validate this debt : 1. Verification of the Debt : Proof that the debt is valid and that you have a right to report this debt under the FCRA.

2. Original Documentation : Documentation showing that the debt is mine, including the original signed contract or agreement that created the debt.

3. Complete Payment History : A detailed payment history, including all charges, credits, and payments made on the account.

4. Evidence of Reporting Accuracy : Documentation that shows the accurate reporting of the debt, including any communications from the original creditor or collection agency that support the debt being reported as accurate.
Product: Debt collection

Subject : Unauthorized Access and Changes to Credit Report on Closed Collection Account I am writing to formally dispute a serious discrepancy on my credit report involving a closed collection account that was unauthorizedly reopened. This account, previously deemed closed and not subject to removal until XXXX, was accessed without my knowledge or consent, resulting in an unapproved update on my credit report. The unauthorized reopening of this account has led to a XXXX decrease in my credit score, further impacting my credit status unjustly through Equifax. 

Per the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), consumer rights protect against unauthorized access to personal credit information. By law, no entity should have accessed or altered this account status without my explicit authorization. This breach of my rights under the FCRA and the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. XXXX  ) also emphasizes the unauthorized use of my information without valid cause or disclosure. Additionally, the continued collection activities and repeated phone calls I am receiving could be in violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ), which prohibits harassment or abusive practices in debt collection. 

Due to these violations, I request that the unauthorized changes made to my credit report be reversed immediately and that an investigation be conducted to ensure my rights are protected. I also request the cessation of any further collection-related communication until this matter is resolved. 

Thank you for your prompt attention to this issue. I look forward to a swift and just resolution and a formal confirmation of corrective action from your team. 

Sincerely, XXXX XXXX