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

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit.. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 
XXXX TransUnion Account # : XXXX Installment Account Type - Detail : Auto Loan Bureau Code : Joint Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : XXXX {$16000.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately The opening date for this account reported by Transunion is XX/XX/XXXX the reporting date for experian has XX/XX/XXXX This is reporting error .. this account is fraudulent and has to be deleted in 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX TransUnion Account # : XXXX Account Type : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$690.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I , 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately I demand you to delete this account within 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code
Product: Debt collection

I paid my debt in full on XX/XX/XXXX, and they still haven't reported the debt as paid in full as of XX/XX/19. I called a few days after XX/XX/XXXX, told there was nothing the rep could do.
Product: Debt collection

The debt has been paid to another agency who assumed the debt. XXXXXXXX XXXX XXXX XXXX should be removed from my credit report
Product: Credit reporting or other personal consumer reports

These late payments don't match up with my usual payment behavior.
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I started getting emails from Resurgent, email address XXXX, on XX/XX/year>. 

It is a debt collection email claiming that I owe more than {$1000.00}. It contained information about an account I have never had from a creditor I do not recognize. I do not have any accounts in default, and it's not my debt. Resurgent claims LVNV Funding LLC is the new owner of said account, and the message pushes for payment arrangement. 

Since then, they have emailed me another 12 times, almost every other day. I'm concerned that this is a scam, which is why I did not contact them : If they don't have my mailing address or phone, I don't want to give that to them by reaching out. And if it's not a scam, then it's a case of identity theft. A year or two ago, I discovered a case of identity theft on my credit report : Someone had opened a power bill under my SSN in a city I've never been to and then defaulted on the bill, so it's possible that whoever stole my SSN also opened other accounts. 

I'm very concerned because I'm currently in the process of buying a home, and the email says : " If you do not pay the debt, LVNV Funding LLC may report or continue to report it to the credit reporting agencies as unpaid. '' Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX and # 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
Product: Credit reporting or other personal consumer reports

My ex husband fraudulently used my social security to obtain a loan from XXXX ENDING in XXXX act # XXXX I did not authorize this loan or co sign. I would like this matter removed from my credit report including all late payments, collection account from XXXX and XXXX XXXX XXXX XXXX removed from my credit report. I was recently made aware when I recently pulled my credit and was Denied a loan.
Product: Credit reporting or other personal consumer reports

I appreciate your help in addressing some of the fraudulent information on my credit file. However, there are still unresolved inaccuracies that need to be removed. Under FCRA Section 605, you are obligated to eliminate any inaccurate records. I have previously provided this documentation and am including it again for your reference. My attorney is fully informed of the situation and prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX 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

I have for the past 7 months been sending requests to the CFPB about the inaccurate and incomplete information that continues to remain on my credit file with TRANSUNION. The account XXXX XXXX is ONLY reporting on my Transunion credit file, it is not on any other field. Not only is this account still reporting inaccurate and incomplete information and I have requested this to be updated by the bureaus since XX/XX/2023, but I am also submitting another request. The law states that all information must be complete and accurate and if the request takes more than 30 days the items should be removed from the file. 
The 2nd account is reporting inaccurately and with different dates, different amounts, different notes in the description this is a violation. 
Account : XXXX XXXX XXXX $ XXXX orignal creditor XXXX- DATES ARE DIFFERENT, AMOUNTS ARE DIFFERENT AND THIS ACCOUNT ISNT ON XXXX. Only Transunion and XXXX, this is a violation as all information should be complete and accurate. 
Accounts : XXXX XXXX XXXX {$1500.00} is still also reporting inaccurate information with TRANSUNION and different information with XXXX AND XXXX XXXX this is a violation.
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 Name : 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

In accordance with the fair credit reporting act XXXX, XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Balance {$11000.00} US DEPT of Education, Account # XXXX XXXX  XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX 15 USC 1681 602 States " I have the right to privacy. '' 15 USC1681 604 A Section states " a consumer reporting agency can not furnish an account without my written instructions. '' 15 USC 1666B states " 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: Credit reporting

The XXXX account listed on my credit report shows as past due for four payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even XXXX 's company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing.
Product: Credit card or prepaid card

I've been receiving my Child Support on a Prepaid Debit Card for years that is offered through the XXXX with no problems up until XXXX of 2023. Actually, other incidences occurred during months prior but didn't involve charging me fees that are supposed to be against Illinois State Law. This XXXX XXXX XXXX XXXXXXXX, first, started sending me Account Activity Statements some months back. Ok?! Then, I started having issues removing my money from the card. Called & complained. All of a sudden, in XXXX they start charging Atm Withdrawal Fees & Checking your Balance Fees ( which again, for my card, is supposed to be against Illinois State Law ) so I called and complained. This kept occurring no matter which way I told these incompetent people that I am not supposed to be charged these fees as I am in Illinois & Never left Illinois. In fact, I only go to 2 ATMs. They've made up every excuse they can think of to continue to charge me fees. Ive had it! I had to change my Child Support back to checks bc these people are discriminating snakes. Now I have to pay to cash my checks bc these people can't do their jobs. Im out all these fees as well. This is Not Right!!!! Why make it a Illinois State Law if Not One Person is gon na do anything about these people charging you Atm fees when their not supposed to be? It clearly says it right on the bottom of their aapplication online for the Comerica Mastercard Child Support Illinois which is the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX says Comerica Debit MasterCard ). This is Wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent letters of dispute but Ive never received an answer, items that are too old are still on my credit report
Product: Checking or savings account

Account opened XX/XX/XXXX, my cousin provided me sponsorship to become a member. 
Accounts closed XX/XX/XXXX for fraudulent activity. 
No transactions had been made seeing as how account was less than 24 hours old before it was closed so I was not sure what type of fraud activity could have occurred in such short time. 
I called on XX/XX/XXXX and was informed membership is considered fraud, and I was not allowed membership through my cousin. 
My husband has since become a member and when he called to sponsor me for membership I was told I would have to wait on outcome of appeal before any new application can be submitted. 
I have appealed account closure decision twice, I have wrote CEO, VP, I went inside my local branch, and still nothing has been resolved. 

Received letter XX/XX/XXXX stating restriction will remain and accounts closed. 

Of I were committing any type of fraud I would not have went into a branch or appealed or called or emailed ceo, and would not be submitting this complaint. 

I feel discriminated against because both my mother and husband have obtained membership and yet even now im not given the opportunity to apply for membership through my husband. 

I assure you I had and I have no intentions on defrauding or being dishonest with navy federal credit Union, I'm an honest civilian, recently married, work XXXX full time jobs a mother of XXXX and recently XXXX XXXX more children.
Product: Credit card or prepaid card

Ive been disputing this card since 2017 this account was opened fraudulently Ive filed a police report Ive filed a FTC AFFIDAVIT which Ive sent to both credit bureaus and wellsfargo and they still continue to report this to my credit report i do not know what else to do Ive done everything required by law to correct this problem but i cant seem to get them to correct the problem
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC, shall be liable for violations of TILA, FCRA, GLBA,, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant. Your prompt attention and response are both requested and required
Product: Checking or savings account

XX/XX/1989 I opened an account and never used it.
Product: Mortgage

I apply for a mortgage with Nations Lending Corporation on XX/XX/2019 for a XXXX family house for XXXX dollars and on XX/XX/2019 they turn down my loan that never went into underwriting. They stated that they found something on a XXXX search under my name and because of that they hold me XXXX for weeks without an answer even after i paid for an appraisal on the stated property, as i spoke to the owners of the company multiple times. I have proof the loan was approved to XXXX and all my other documents. they simple descriminated againt me for no reason. There practices are not consumer friendly and then they turn down my loan because of credit and guidelines when all guidlines had been meet but they never got the loan to a register underwriter. this company picks and chooses who they want to do loans for. That bad practice to been able to do business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a fraudulent account from my credit report and to exercise my legal right to opt out of your reporting services in relation to this matter.

As outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies such as XXXX and Experian are required to handle consumer data with fairness, impartiality, and respect for the consumer 's privacy. This includes ensuring that no consumer information is reported without explicit consent. 

The Gramm-Leach-Bliley Act, 15 U.S.C. 6801, further protects my personal information, mandating that financial institutions and those who furnish information to credit reporting agencies must respect my privacy and the confidentiality of my nonpublic personal information. I have not provided consent to either XXXX or Experian to share my personal data or information related to any accounts opened in my name, including the disputed XXXX account. 

Furthermore, 15 U.S.C. 1681b and 15 U.S.C. 1681c ( a ) ( 5 ) prohibit the reporting of certain adverse information beyond a specified period, and require consumer consent to furnish data to credit agencies. Since I did not authorize the creation of the XXXX account in question, the account is an unlawful and unauthorized entry on my credit report. 

Additionally, 15 U.S.C. 1681s2 ( a ) ( 1 ) clearly states that no person may report inaccurate information to a consumer reporting agency if they know, or have reasonable cause to believe, that the information is incorrect. Since I did not authorize the account and it appears to be fraudulent, the furnisher of information has violated this requirement.

As a consumer, I am also exercising my right to opt out of your reporting services. Under 12 C.F.R. 1016.7, I have the right to opt out of having my information shared with third parties, and I am exercising that right immediately. 

I request that the fraudulent account associated with XXXX XXXX be removed from my credit report, as it was opened without my knowledge or consent. I further request that you confirm in writing that the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please provide written confirmation that this account has been removed and that my privacy rights have been upheld in accordance with federal law.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I submitted an identity theft affidavit to the FTC, declaring that I am a victim of identity theft and that my information was used to open the following accounts : - XXXXXXXX XXXXk : {$3100.00} - XXXX XXXX  : {$7100.00} - XXXX XXXX XXXX {$23000.00} - XXXX XXXX XXXX {$5400.00} In XX/XX/year>, I also sent a self-attestation letter from an XXXX confirming my status as a victim of XXXX XXXX. However, the accounts were still verified. Subsequently, I requested detailed information about the verification process for these accounts, including : 1. The names of the specific representatives or individuals involved in the verification process.

2. The dates of these communications.

3. The rationale and evidence that led to the conclusion that these accounts belong to me. 

Despite my requests, I never received a response regarding the verification information, and the account was never blocked, despite my experiences with XXXX XXXX and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SUBMITTED A COMPLAINT WITH CONSUMER FINANCIAL PROTECTION BUREAU ABOUT CREDIT INQUIRIES THAT ARE REPORTING ON MY CREDIT REPORT THAT I HAVE NOT AUTHORIZED WITH ALL THREE CREDIT BUREAU. IT HAS BEEN OVER 30 DAYS AND THESE INQUIRIES HAVE NOT BEEN REMOVED FROM MY CREDIT REPORT. I HAVE OVER 20 HARD INQUIRIES DAMAGING MY CREDIT REPORT AND WOULD LIKE THEM TO BE REMOVED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX cred

it reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.