23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : USDA RURAL DEVELOPMENT Account number : 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Experian violated my rights under U.S.C. 1681 ( A ) 4 with inaccurate payment history that is really hurting my chance to obtain credit when I have told them multiple times something was not right on my credit profile their last response was on XXXX where they stated everything was complete and accurate can you please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter from XX/XX/22 to current not budging
Product: Debt collection

Creditor Information PORTFOLIO RECOVERY ASSOCIATES {$570.00} XX/XX/2017 I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX   and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this 10th CFPB Complaint to follow up the previous CFPB Complaint I submitted last XX/XX/2022, to request that the Credit Bureaus remove the disputed accounts and information completely from my Credit File. Why is so hard for the Credit Bureaus to remove the accounts and information that resulted due to identity theft? The Credit Bureaus should and must always comply the Federal statute and have the disputed accounts and information deleted under the Fair Credit Reporting Act section 605b. The Credit Bureaus did not just failed to comply with the FCRA regulation and ignored my requests, they have declared that the Disputed accounts and information are verified and are accurate! This is blasphemous! The Credit Bureaus never sent me copies of proof of verification let alone copies of documents bearing my signature to support the Credit reporting Agencies ' claims. Under the FCRA section 605b, I am requesting that the Credit Bureaus immediately remove the disputed accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX D XXXX CT XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; and Medical XXXX Balance Owed : {$23.00}. Once again, these accounts and information resulted due to identity theft and must be removed completely from my Credit File in accordance with the FCAR section 605b.
Product: Checking or savings account

I opened a new account with citibabk online with a promotion for new customers for XXXX $ ( promotion XXXX ). After meeting all the requirements to obtain my bonus the bank is declining and not paying The bank has been giving me all kids iof different information, contradictory information and always imposing new requirenmets, last one was they neede a w2 form which was submitted. Then they invent new requirements that were never part of the offer. Last one was that they have no record of my offer however THEY DO. They lied. I have the proof trough the app chat admiring is in my records. 
Bottom line, bank does not want to offer the bonus offer I signed up for despite of my meeting all the requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove XXXX XXXX  from my account for Violations and Inaccurate Inaccurate of open day Inaccurate of payment history Inaccurate balance This is a Violation
Product: Credit reporting or other personal consumer reports

Recently checking my credit report that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, Please remove the fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

this two 1.Account Number XXXX Account Type Installment Loan this account 2.Account Number XXXXAccount Type Credit Card Terms Revolving with XXXX XXXX XXXX was paid and Closed as of XXXX/XXXX/XXXX both account 's
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the creditors, who placed the collection and asked them to remove the collection from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.. The account is posted on my credit report filed date XX/XX/2017 to current. Amount {$810.00}
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As such, I am requesting that the following accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The unauthorized access to my personal information has resulted in these accounts being fraudulently opened or reported, and I ask that they be removed immediately. 
ACCOUNTS TO BE BLOCKED AND DELETED : 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 XXXXXX/XX/XXXX
Product: Credit card

There 's a credit card in my name that I have no idea about it.
Product: Credit reporting

Transunion conducted investigations on unauthorized accounts and inquiries for many years since XX/XX/XXXX and still have not removed negatives. 
XXXX XXXX XXXX XXXX collections and other collection was deleted and it was put back on my credit report again XX/XX/XXXX. 
They always implement a verified and no change.Why? 
Is because Transunion allows the companies to do whatever they want on consumers credit report. 
Transunion has partnership relationship with companies.banks.and this XXXX dollars companies dictates the consumers credit to keep them in poverty. 
Federal Government respectfully needs to mandate stricter Federal laws that credit reporting agencies can not have no business partnership relationship with companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Capital One RE : Accounts : Capital One XXXX THIS IS NOT MY ACCOUNT! 

To Whom It May Concern, I recently received a copy of my credit report and am disputing an item that need to be DELETED. I have listed the items I am disputing and notated any account number. I have also attached and enclosed two forms of proof of address as well as two forms of proof of identity.

According to the provisions of the Fair Credit Reporting Act 611 ( A ) [ 15 USC 1681i ( a ) ], this disputed item must be investigated and deleted from my credit report within 30 days due to fraud/false account. This account was falsely added to my credit report only by XXXX credit bureau. This is not my account! I have never in my life had a {$2000.00} limit credit card. This is fraud and I would like this account removed from my credit report immediately! In the interim, these items should be noted on my credit report as in dispute. 
Please notify me that the attached items have been deleted pursuant to 611 ( a ) [ 15 USC 1681j ( a ) ( 6 ) ]. If you should have any questions or need additional information, please contact me by email XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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 # XXXX XXXX5 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 or other personal consumer reports

I am writing to file a formal complaint regarding a fraudulent account appearing on my credit report. 

I recently disputed this account with Experian, and it was subsequently " verified as accurate. '' I assert that this account is entirely fraudulent. 

I did not open this account. 

I do not have any contract or agreement with the creditor listed for this account. 

I am a victim of identity theft. 

Specifically, I am referring to account number XXXX with XXXX I am formally requesting the following : Deletion of this fraudulent account from my credit report immediately. 

This account is negatively impacting my ability to obtain credit and is a direct result of fraud. 

A detailed explanation of the verification process used to determine this account was " accurate. '' I request the following information : Who the account was verified with. 

The specific methods used to verify the account. 

If the account can not be properly verified, then provide the information that they used to verify the account. 

If the furnisher can not provide proof of a legitimate account opened by me, I demand immediate deletion of this account. 

I have attached my identity theft report. 

I expect a prompt and thorough investigation into this matter. I appreciate your assistance in resolving this fraudulent activity and restoring the accuracy of my credit report. 

Thank you for your prompt attention to this urgent matter. 

15 U.S. Code 1681c2 states 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began my dispute with XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX in XX/XX/17. I disputed these items because I don't feel that they are being reported in compliance with FACTA, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Product: Money transfer, virtual currency, or money service

I have been disputing charges with Cashapp for product not received from sweepstakes company called XXXX XXXX. XXXX XXXX operates as an online sweepstakes company that provides gold coins for purchase. However, by XXXX XXXX violating the FTC Section 5 regarding Unfair or Deceptive Acts or Practices, they are acting and operating like an illegal casino online which is not legal in the United States. I have provided numerous documents showing correspondence and complaints I have filed with FTC, local police department, TX Attorney General, and XXXX XXXX XXXX. Cashapp investigates for 2 days at most to state they investigated which is false. They are not doing their due diligence with investigating XXXX XXXX 's fraudulent actions and theft by taking my purchased gold coins and deactivating my account. They are not reaching out to the merchant at all.
Product: Mortgage

My mortgage was not recorded and affecting my ability to VA refinance. 
I am currently in the process of doing a VA cash out refinance loan, appraisal ordered and paid, rate locked and just found out the present lender never recorder my mortgage in error. Mortgage not being recorder is hampering my ability close on this loan. I contacted ( XXXX and XXXX ) my servicer NewRez and they could not provide my with a direct contact information to my lender in order to expedite this problem and to top it off XXXX hung up on me.. My rate lock will expired in about 10 days and I need to mortgage to be recorded ASAP and cant seem to obtain the proper assistance. 
I have attached a copy of my mortgage statement with all the pertinent mortgage information to hopefully assist you with expediting the recording of my mortgage. 
Also About 6 months ago I attempted to do a VA refinance directly thru my NewRez servicing company. They ordered appraisal ( paid by me ) ordered title report. 
Why did they not notice my mortgage was not recorded then? 
I am available for you call after XXXX Central time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$270.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score 8. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - - - - XXXX XXXX - - - XXXX C - - - XXXX XXXX - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - C - - - XXXX - XXXX - - - XXXX - C - - - PAYMENT HISTORY XXXX  Status - Status updated XX/XX/XXXX Past due amount {$270.00} Original balance $ 0 Monthly payment - Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments COLLECTION ACCOUNT Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

XXXX XXXX in XXXX, CA has been repeatedly calling my cell phone, even though I am paying/have paid my bills in a recurring and timely manner. They called my cell phone at XXXX XXXX/XXXX/16. When answered, the caller hung up. The numbers attached to this company calling my cell phone outside of legal hours is XXXX. I have asked them to resort to email communication if they can not follow the rules for contact via telephone set forth by the FTC. They will not comply, nor will they address the issue. I contacted them shortly after XXXX PST on XXXX/XXXX/16 to discuss this issue, and was met with aggressive/unethical collection tactics in regards to a bill I have been paying regularly and timely, which resulted in being hung up on by a representative.
Product: Money transfer, virtual currency, or money service

BANK OF AMERICA ACCEPTED MONEY FROM *THE ARKANSAS RENT RELIEF PROGRAM* WITH " TWO PARTY CHECK*..WITH ONLY 1SIGNATURE. IT WAS *MANDATED* ON XXXX 2022. THAT ALL PAYMENTS MUST REQUIRE ( XXXX SIGNATURES ) ..THIS WAS NOT DONE ON *ANY PAYMENTSXXXX TOTALLING OVER XXXX WORTH A CURRENCY..THAT WAS *, NOT* SUPPOSED..TO BE DEPOSITED WITHOUT MY *SIGNATURE* ; AND I KNOW SEVERAL OTHER CLIENT THAT *XXXX XXXX XXXXXXXX ( No longer in service ) ..AFTER THE FRAUD ... .YOU HAVE DEFRAUDED THIS SYSTEM AND MY DISCRIMINATION *REPORT* THAT WAS *, ALREADY FILEDXXXX ... PROVES..BOTH ACTION ARE *TRUE*. AND FOR THIS COMPLAINT TO BE RESOLVED WITHOUT BEING PUBLICLY *DISPLAYED*... SHOWING THE RACIST.ACTS TOWARDS ME ... .NOT ALLOWING ME TO OPEN MY *BUSINESS ACCOUNT* ... ..AND MULTIPLE OTHER OFFENCES. FOR THIS DEMONIC ACTION ... XXXX IN JESUS NAME AMEN! XXXX ... XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report. 
IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! 


Please immediately delete the following accounts immediately from my credit report! 

XXXX XXXX CHARGE OFF {$880.00}, XXXX XXXX XXXX XXXX XXXX XXXX  CHARGE OFF {$1100.00}, XXXX XXXX XXXX XXXX XXXX XXXX  CHARGE OFF {$620.00}, XXXX XXXX XXXX XXXX  CHARGE OFF {$740.00}, XXXX XXXX XXXX XXXX XXXX XXXX CHARGE OFF {$29000.00} XX/XX/XXXX When a Creditors writes off a debts after a set amount of timefor example, one, two, or three years after you default. The creditor stops its collection efforts, declares the debt uncollectible, and reports it to the IRS as lost income to reduce its tax burden. The same is true when you negotiate a debt reduction. The creditor will report the amount you didn't pay to the IRS.

Of course, the IRS still wants to collect tax on this money, and it will turn to you for payment. Because you no longer have to pay the full amount of the debt, the IRS treats the forgiven amount as gained income, for which you should pay income taxes. ( That additional income might also affect your state taxes. )
Product: Debt collection

XXXX XXXX sent notice to XXXX and XXXX  of insurance that I was rubutting them adding on by XXXX XXXX XXXX to my policy with a lie about me telling them he drove the vehicle XXXX week. With this my premium skyrocketed so I cancelled them. 
XX/XX/2021 - response from XXXX XXXX XXXX indicating that XXXX  would elimate him off policy and decrease it by " {$XXXX} '' ( round about amount ). 
XX/XX/ - sent collection notice from Caine-Weiner and emailed them same day asking for clarification of the debt ( see appendix A ) XX/XX/2021 - received response from someone else at Caine-Weiner saying I owed the debt. I had to nofify them they were coming after me for the wrong amount and it had been admended. They asked me for the proof! I sent along and still asked for a revised bill because I was unsure of the total credit XXXX   gave me for the complaint. Still nothing ( Appendix B ) XX/XX/ - Caine- Weiner sent an email stating they updated my file and attached a new statement on debt. This was just on letterhead stating I owed them {$XXXX}. But again, they could not give me validity of the debt or how they came to this amount. After several inquiries on the debt, they could not produce anything to show the amount they were billing me was correct or how they came to that number. Also, they started sending me debt collection emails way before even XXXX  days of XXXX updating the file even though on my credit report it is still showing the debt as being over {$XXXX} still when it never should have been since XXXX   credited me approx {$XXXX}