23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

have been in the process of purchasing a new vehicle And home but I have been turned down due to the information I found on my account. On my credit report there is a Charge off from : 1. 
XXXX XXXXXXXX XX/XX/XXXX for the amount of {$230.00} & {$150.00} from XX/XX/XXXX. 2. XXXX XXXX XX/XX/XXXX for the amount of {$380.00}. 3. XXXX XXXX for {$2200.00} the date is unknown but it was reported XX/XX/XXXX 4XXXX XXXX XX/XX/XXXX for the amount of {$1200.00} 5. 
XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was XXXX  from XXXX During this timeframe I received an {$1800.00} stimulus check - that i sent to my friend XXXX XXXX XXXX he opened a CapitalOne 360 checking account with my permission and deposited the check. Capital One 360 checking account number XXXX the address on file is XXXX XXXX XXXX XXXX XXXX Texas XXXX Capital One froze the account with the {$1800.00} in the account still. I was released from XXXX  on XXXX and live at XXXX XXXX XXXX XXXX XXXX Texas XXXX where there is no CapitalOne bank- I have a valid Texas Drivers License which I provided to CapitalOne along with copies of the bank statement and debit card they sent me- however they will not release the funds to me. I have contacted them over 12 times and sent copies of my drivers license to them without any action being taken to close the account and release the funds to me. XXXX XXXX has an active power of attorney that they rejected. However since I am no longer XXXX  the funds can be sent directly to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Annual Credit Report phone number 's phone tree and voice recognition system at the number they direct you to ( XXXX ) is so atrocious that I am not sure if they are even abiding by basic federal regulations to ensure that Americans can properly rectify issues with accessing their credit reports through the website. I repeatedly called this number and had the system misunderstand what I was saying each time. I do not even have a strong accent and have completed all of my education in the United States from daycare through law school. I am not sure how anyone with the slightest accent can use their telephone system. 
The system then ends up hanging up on you rather than directing you to an agent if you keep designating that it is misunderstanding you. This might even be deliberate so they can attest to the Federal Government that they are providing a phone option while programming it so horribly that no one can actually use it. 
On XX/XX/2023 I went on annualcreditreport.com to access my credit reports. I successfully was able to pull my XXXX and XXXX credit reports. However, I received an error message when attempting to pull my TransUnion report. It then directed me to either submit my request through the mail or call the number. 
I am still unable to access my TransUnion report because the phone system does not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian, XXXX XXXX XXXX and Multiple banks Account Opening Declined Due to Experian Validation Issue Dear Consumer Financial Protection Bureau, I am experiencing an ongoing issue with opening a savings account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite having an excellent XXXX XXXX and strong consumer behavior, I have repeatedly been declined from opening an account and applying for credit. 

The reason cited for these denials is that Experian can not validate my credit file, which prevents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from proceeding with my account opening. I have previously contacted Experian to resolve this issue, and they assured me that it was resolved within XXXX days. However, upon reapplying, I was met with the same denial for the same reason. 

I am submitting evidence of both instances where I attempted to open an account and was declined. This ongoing issue is causing significant harm to me as a consumer, as I am unable to access the credit I need for both personal and business endeavors. 

I kindly request that the CFPB hold Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accountable for this matter and assist in resolving it promptly. 

The inability to open a savings account and apply for credit due to Experians failure to validate my file constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ), as it unjustly hinders my access to financial services with a public institution. 

Thank you for your attention and assistance. 

Best regards, XXXX XXXX XXXX XXXX - XXXX - XXXX
Product: Checking or savings account

I've had so many unauthorized transaction in the passed 3 years some they gave back the XXXX XXXX but most of them they denied and I really really really didn't make those changes and I'm on a fixed income from XXXX  benefits I want my money back I'm a surviving spouse of the XXXX I do not deserve someone thinking that they can take my money and because of this I'm homeless with my daughter and XXXX dogs in the XXXX XXXX XXXX XXXX  I want them to pay me my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying a handbag and one of the sales representatives persuaded me to sign up for a store card. It was crazy I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. Ive contacted the FTC and the police. Im doing this on my own behalf. XXXX XXXX, XXXX XXXX, USDOE/XXXX, US DEPT ED, XXXX, USDOEXXXX, XXXX/XXXX, XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Credit Collection Services 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Checking or savings account

XX/XX/XXXX - we were notified by phone call the there was suspicious activity in our business bank account. Someone tried to XXXX money out. Accounts were closed. 
XX/XX/XXXX -went in person to our local Truist branch, met with XXXX XXXX XXXX XXXX XXXX had closed both of our business accounts. New accounts were opened. 
XX/XX/XXXX -account was hacked again so we went to bank met with XXXX XXXX. At them time he told us that our initial money market account ( ending in ... XXXX ) had been hacked with XXXX XXXX payments for {$20000.00} and for {$10000.00}. This was from the account that had been closed the day before. Unlike other XXXX transfers we never received a code for third party authorization. 
We were told that Truist was able to stop the {$20000.00} transfer, but that the {$10000.00} transfer was at the point that they could not stop it. 
We were ultimately told by Truist it could take 90 days to recover those funds. 
XXXX XXXX : XXXX We had XXXX months of fruitless discussions with their fraud department, where we never spoke to the same person twice. Ultimately on XX/XX/XXXX we received a letter, unsigned, stating " This letter is to inform you that we have concluded our investigation and were unable to recover the funds that were transferred from the account. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX Subject : Dispute of Inaccurate Information and Unauthorized Hard Inquiries on Credit Report Dear XXXX Dispute Resolution Team, I am writing to formally dispute several inaccuracies on my credit report, which have adversely affected my credit score by XXXX points. The specific issues are as follows : 1. Collection Accounts with Inaccurate Dates and Amounts : The collection accounts in question have inconsistent and fluctuating dates of last activity, suggesting an improper extension of the statute of limitations. Additionally, the reported balances are incorrect. This practice not only misrepresents the status of these accounts but also artificially prolongs their presence on my credit report.

2. Incorrect Reporting of Medical Debt : Despite providing evidence of continuous health insurance coverage with XXXX XXXX and subsequently XXXX, a medical debt has been reported inaccurately. The reporting entity acknowledged my insurance coverage but failed to correct the erroneous debt entry. 
3. Unauthorized Hard Inquiries : My credit report lists five hard inquiries that I did not authorize. Upon contacting the companies responsible, I was informed that there is no record of my file, and despite sending dispute letters, no changes have been made. These unauthorized inquiries are unjustly impacting my credit score. 

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information. I request the following actions : Immediate Deletion of Inaccurate Information : Remove the erroneous collection accounts, medical debt, and unauthorized hard inquiries from my credit report.

Provision of Purchase Agreement : Supply the purchase agreement for the alleged debt being reported, as I have not received validation of this debt.

Investigation Details : Provide a comprehensive explanation of how these inaccuracies were investigated and the steps taken to verify the information. 

Enclosed are copies of relevant documents supporting my dispute, including insurance records, correspondence with the reporting entities, and documentation of my communications regarding the unauthorized hard inquiries. I expect these matters to be addressed promptly to prevent further damage to my creditworthiness. 

Please confirm receipt of this dispute and inform me of the actions taken to resolve these issues. I anticipate your response within 30 days, as stipulated by the FCRA. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries suddenly appeared on my credit report today, and I have no explanation for them. Ive been checking my report regularly without issues, but this time, things are off. Refreshing the browser didnt help, and the entries are still there. I am asking for an urgent review of the documents I provided to ensure this problem is resolved once and for all.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2023, I have submitted numerous requests via certified mail to Experian Credit Report Agency to delete inaccurate and unverifiable information on my credit report. This credit report agency has replied that the information was verified by XXXX XXXX as accurate. This credit reporting agency refused to send me written verification from XXXX XXXX for verification. 

I contacted XXXX XXXX to investigate the validity of Experian 's dispute and I received a written re-investigation letter from XXXX XXXX stating the public record information is UNVERIFIABLE and they submitted the results of their re-investigation to Experian. 

Attached are the documents from Experian Credit Reporting Agency and XXXX XXXX. Experian is in violation of FCRA and willful non-compliance. Any inaccurate and unverifiable information shall be removed by the credit reporting agency. 

The name of the public record entity posted by Experian is abbreviated and unacceptable. The address of the public record posted by Experian inaccurate and mispelled
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX the major consumer reporting agencies is ignoring my letters or claiming they have been verified when i ask for the information to be deleted. The creditors that i have disputed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My rights have been violated per 15 U.S. Code 1681i ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; There was NO NOTICE OF DISPUTE. this is a violation of my rights 15 U.S. Code 1681b In accordance with the written instructions of the consumer to whom it relates.

They do not have written permission to furnish the information about me.

5 U.S.Code 552a and most of all my right to privacy was violated with them publishing this information about me I have tried to dispute this with the consumer reporting agencies as well as the persons supplying the information to no avail.

These people are crooks and are only doing what is in their best interest which is a conflict against mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are reporting incorrectly on my credit reports : Personal Information : Name : XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  ) Address : XXXX XXXX XXXX XXXX ( Experian XXXX Address : XXXX XXXX XXXX XXXX  ( Experian XXXX Address : XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Inaccurate late reporting : XXXX  - XXXX XXXX, XXXX  XXXX Experian XXXX ; Opened - XX/XX/XXXX ( XXXX  ) ; Opened - XX/XX/XXXX ( Experian XXXX XXXX  XXXX ; Balance - {$90000.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX  - ( Experian XXXX ; Opened - XX/XX/XXXX ; Balance - {$2700.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX  - ( Experian, XXXX, XXXX  XXXX ; Opened - XX/XX/XXXX ( XXXX  ) ; Opened - XX/XX/XXXX ; Balance - {$2600.00} ; I was never late on this account, please remove late reporting. 

USDOE/GLELSI - XXXX XXXX XXXX XXXX  XXXX ; Opened - XX/XX/XXXX ; Opened XX/XX/XXXX ; Balance - {$0.00} ; I was never late on this account, please remove late reporting. 

The following accounts are reporting either due to error or Identity Theft, Please remove the following items : US DEPT ED - XXXX XXXX, XXXX, Experian XXXX ; Opened - XX/XX/XXXX ( XXXX  ) ; Opened - XX/XX/XXXX ( XXXX  XXXX Experian XXXX ; Bal : {$11000.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - XXXX Experian XXXX XXXX  XXXX Opened - XX/XX/XXXX ; Bal : {$1100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - XXXX XXXX - ( Experian XXXX XXXX  XXXX Opened - XX/XX/XXXX ; Bal : {$1100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

US DEPT ED - ( XXXX, XXXX, Experian XXXX ; Opened - XX/XX/XXXX ( XXXX  ) ; Opened - XX/XX/XXXX ( XXXX  XXXX Experian XXXX ; Bal : {$3800.00} ( XXXX  ) ; {$0.00} ( Experian XXXX ; {$3300.00} ( XXXX  XXXX. This account belongs to someone else or it is a direct result of identity theft. 

US DEPT ED - XXXX XXXX, XXXX, Experian XXXX ; Opened - XX/XX/XXXX ( XXXX  ) ; Opened - XX/XX/XXXX ( XXXX  XXXX Experian XXXX ; Bal : {$8200.00}. This account belongs to someone else or it is a direct result of identity theft. 

XXXX  - ( XXXX, XXXX, Experian XXXX ; Opened - XX/XX/XXXX ( TU ) ; Opened - XX/XX/XXXX ( XXXX  XXXX Experian XXXX ; Bal : {$0.00}. This account belongs to someone else or it is a direct result of identity theft. 

The following inquiries was not authorized by me : XXXX XXXX XXXX ( 3 TIMES XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This may not be a legitimate " complaint '' per se, but merely a request for clarification and/or explanation. 

Due to exigent circumstances ( medical and vehicle repair expenses ), my overall credit use increased by a little over {$1100.00} last month, As a consequence, on XX/XX/XXXX my credit scores at XXXX  and Transunion incurred a 17 point hit/drop. 

On. XX/XX/XXXX, I paid down those balances by XXXX and my scores rose only 1 point! 

On XX/XX/XXXX, I paid down another {$200.00} ( for a total of {$740.00} in 3 days ), and my score rose only 1 point, again! 

As I've paid nearly 70 % of the debt increase that cost me 17 points, why hasn't my score rebounded by commensurate amount - to an increase of 12 points??? 

My Vantage Credit Score remains at XXXX, XXXX, or XXXX, depending on which other bureau or creditor I view. 

My Score Rating is " Good '' Payment history rated " Grade A - 100 % '' Account Mix - Credit Age - Inquiries are all also rated " Grade A '' Credit Usage alone is rated " Grade C '' ( 67 % ) Why the disparity in scores, and - most egregiously - WHY DO MY SCORES RISE SO LETHARGICALLY AS COMPARED TO THE SUBSTANTIAL - AND IMMEDIATE - DROPS? 

Thank you!
Product: Debt collection

XXXX XXXX XXXX sold my past debt to TriVerity collection agency. This company by law has no legal standing to contact me in any way... phone, mail, or otherwise. Any violation of this will lead to Civil litigation. I have never entered into any legally binding contract with TriVerity. If in question, Triverity must show the original contract, with my signature binding our agreement. They are not allowed to report their illegal position on my credit bureau, This will be Triverity acting in fraud... imposing as the Original Creditor!
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft fraud credit inquiries XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX No date XXXX XXXX XXXX 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$3400.00} XXXX XXXX {$32000.00} XXXX XXXX {$350.00} EQUIFAXD XXXX {$360.00} XXXX  XXXX {$830.00} XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent three update letters to all three credit bureaus, which are TransUnion XXXX and XXXX. I've sent them many many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.