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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account NumberXXXX  has violated my rights. Or a 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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/2021, I pulled my credit report from Transunion and XXXX  and to my amazement, the company was still reporting me as a charge off. I immediately sent the company a dispute letter via certified mail dated XX/XX/2021 ( Tracking # : XXXX ) to validate this debt. I never received a written response to this inquiry. 

After not receiving a response, I disputed this information with Transunion and XXXX  directly. I got a letter back about three months past my original inquiry date stating that my debt was verified. However, this debt is still not validated per the requirements of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XX/XX/2020 I have reached out the Bureaus almost 6 months now and they have not responded to any of my letters that I have sent. This is a Serious Violation and could be taken to court to proceed suing. They have violated the Fcra Statue of limitation for reporting inaccuracies and ignoring me. This is XXXX me out because i XXXX XXXX have the right to dispute anything inaccurate by law
Product: Money transfers

On, XXXX XXXX, 2015, I sent {$100.00} to XXXX XXXX who was in XXXX atthe time. He did not have the proper identification required to collect thefunds that I sent him. 
I was told by Western Union to cancel the transaction. The transactionwas successfully cancelled by Western Union on XXXX XXXX, 2015. However, Ihave yet to receive a credit on my XXXX debit card issued by XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

i have reviewed my credit report and found there are several inaccurate data points within my personal identification which Experian along with XXXX are reporting. 
8 U.S.Code 1305 Notices Of Change of Address, on XXXXXXXX XXXX i am requesting the following : My only name is XXXX XXXX XXXX XXXX delete/remove any other name you are reporting that does not match. only have one name on account. 
My only address is XXXX XXXX XXXX XXXX XXXX, Michigan XXXX remove any address that does not match this address My only social security number is XXXX Please remove all telephone numbers and employment contact. 
Both credit agencies has put me in a XXXX place as far as getting transportation Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX Date : XXXX These two agencies has refuse to follow The ( FCRA ) and report accurate information. 
I am asking that cfpb make sure that these reporting agencies implement the correct information on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS # XXXX XXXX XXXX I have several unknown addresses and inaccurate fileinformation thatneeds to be updated properly. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete all other unknown addressesthey are not correct. Te following addresses are not mines : XXXX XXXX  XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX  XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX. Please remove the extra name from mycredit report. According to 12 CFRPart1022 ( Regulation V ) requires furnishers to : Furnish information concerningaccounts or other relationships with a consumer thathas integrity. Furnishinformation about accounts or other relationships with aconsumer that is accurate. C- Conduct reasonable investigations of consumerdisputes According to XXXX, inorder to make a lawful report, you must follow theMetro 2 compliance standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Erroneous Direct Violation Of The FCRA Professional Debt For two years now Ive been disputing these items I'm getting so angry please please remove these XXXX from my credit report these are fraudulent i file a police report and FTC REPORT XXXX WILL BE SUED and lawyer will be contacting XXXX if these items are not removed in the next two weeks!!!!! 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.
Product: Debt collection

I have sent XXXX letters via USPS certified mail at the address listed for the collection agency Williams & Fudge out of South Carolina. The letters detailed my dispute of the debt they were trying to collect in the amount of {$13000.00}. I do not owe this debt and they have failed to provide me with any proof or verification that this debt is mine. They are, however, newly reporting this debt to my credit report. I am unsure if it is reporting with XXXX, but I know it is reporting with XXXX and XXXX. I have just mailed the collection company yet another certified mail letter requesting the debt be removed from my credit because they have failed to verify the debt to me and are in violation of the Fair Credit Reporting Act. I will pursue legal action in small claims court if they choose not to remove this debt which is being reported illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has 2 open account that were placed on my credit report in XX/XX/2007 from XXXX  student loan. This account has been on my report for over 10 years i have asked that it be removed. Per law old collection should fall off my report after 7 years. I uploaded information and mail information to them. I am working on my credit and want the 2 XXXX  accounts to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I have been back and forth with Caine & Weiner attempting to remove this account from my consumer report because the account does not belong to me.
Product: Credit reporting or other personal consumer reports

After receiving a, " DARK WEB ALERT, '' Concerning my XXXX Credit Report I do not have/nor have had any contracts or attempts therein for contracts/Leases with any of the, " Ascertained Named Companies/Financial Institutes . '' BELOW The information obtained was, FRADULENT therefore, I REQUEST IT BE IMMEDIATELY REMOVED FROM MY CREDIT AS FRADULENT. 

FRADULENT INQUIRIES AS SEEN ON 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Transunion on XX/XX/2021 via their online portal and I wrote and mailed a letter to Transunion on XX/XX/2021 letting them know that they were inaccurately reporting information regarding 15 accounts that they listed under my name and providing information about the inaccurate accounts. 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 XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX I received a letter from them XXXX XXXX stating that they needed additional time to process the dispute and that it would be done by XX/XX/2021. I did not receive a response from them. On XX/XX/2021, I sent another letter asking them to remove the accounts as per the FCRA, they have 30 days to reply and even with the additional time they requested, my dispute still had received no response. My request asking them to remove the accounts due to them failing to comply with the FCRA and correct the matter and mail me a response was delivered to them on XX/XX/2021. I have not received any additional information regarding this dispute or my follow-up stating I had not received any information from them regarding this matter and that I wanted the accounts removed.
Product: Debt collection

Credit Management company is trying to collect a debt from me I don't owe. I should have never been placed in any collection I have health insurance. I am requesting for the all collection attempts to stop immediately. You are in violation of the FDPA.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, i was working whenever i received a call from my bank USAA stating someone was attempting to take {$1000.00} from my savings account. i was worried and my family has had scammer issues lately, so i believed it in the moment. During the phone call I was sent texts with verification codes claiming to be from USAA, so i gave it to the caller. They asked to guide me by telling me to share my phone screen with them, and help transfer funds from my savings account to my checking account. Then they told me I was going to get a new card and to temporarily hold the funds on a card they gave me information for in the downtime. then i began transferring funds in the balances told : On XX/XX/XXXX around XXXX - + {$500.00}, + {$510.00}, and + {$520.00} were added onto XXXX XXXX XXXX then transferred {$1500.00} to XXXX XXXX XXXX XXXX callers card info ). Again on XX/XX/XXXX around XXXX + {$520.00}, + {$540.00}, + {$510.00}, + {$520.00}, + {$500.00}, + {$200.00}, were added again onto XXXX XXXX XXXX, next another transfer was made to XXXX XXXX XXXX for {$2700.00} for a total of {$4300.00} sent to the card information i was told to temporarily hold funds on. 
After these transactions they told me i would be receiving the card i just transferred all the funds onto, and my current ( at the time ) debit card would be compromised. it was followed by the caller swiftly hanging up and then called my parents to tell them i saved my account, my bank just called and they told me the area code of the Caller ID calling me didnt match my banks location. We realized i was scammed so I left work to go home and call USAAs fraud department, sparking an investigation. 
I released all the evidence of the incident through screenshots of the transaction history and the brief card information available still on the account. i also gave them the phone number that called me but after many days i was given a provisional credit which was revoked upon the cases decline. Prompting me to contact CFPB.
Product: Mortgage

lls Fargo Customer Service, I am writing to express concerns about my loan account ( XXXX XXXX : XXXX ) and the payment request despite a credit balance. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, debts can be discharged upon payment in any coin or currency that is legal tender at the time. Additionally, my Social Security Trust Fund is backed by the full faith and credit of the U.S. government, which I understand can be used to offset and discharge debts. 

Upon reviewing my billing statement, I noticed a credit balance ; however, there was no indication of a negative sign or note stating " credit balance. '' In standard accounting practices, the absence of a plus or minus sign typically denotes a positive amount. Therefore, I was surprised to receive a payment request on an account that appeared to have a credit. 

I respectfully request clarification on the following : Account Status : Confirmation of my current account balance and the reason for the payment request despite the apparent credit.

Application of HJR 192 : An explanation of how HJR 192 applies to my account and whether it affects my payment obligations.

Social Security Trust Fund Offset : Information on whether my Social Security Trust Fund was utilized to offset this debt. 

Please provide a detailed response to these inquiries at your earliest convenience. I can be reached via email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX
Product: Debt collection

Yes, I want to file a complaint against XXXX XXXXXXXX XXXX XXXX which is now on my account/report, and I know nothing about. I know this is something fraudulent because I had done a report on another company in Texas that's on my report name XXXX XXXX and that company also, I know nothing about. I live in Mississippi and been living here all my life. I've never owned a home or had an apartment or house in my name. So therefore, I haven't had any house bills in my name. 

I've always lived with a relative and help them out on their bills by giving them money monthly. I talked to someone at a collection agency ( LVNV Funding LLC ) name XXXX. I had to pay her a dollar through XXXX XXXX, and she took a look at those debts and said there's no way I could have open those accounts because they were around the same time. Then she told me if I paid {$190.00}, she would dispute those debts, and they would be wiped off my credit report and my credit would go back up. I just thought if those wasn't my debts, why would I have to pay? So, I told her I would have to think about it, and I'll call her back. ( XXXX ) I'm just confused because the first debt at XXXX XXXX I knew nothing about, and now this company XXXXXXXX XXXX XXXX I don't know anything about. Like I said, I been in the state Mississippi all my life. I may have taken trips to Texas and other places but never lived there to pay bills or be stabled. Only motels and Air bnbs. I just want to get this issue resolved because if this is Fraud, this person needs to be stopped because this person can do this to me again. 

Note : The last time I visited Texas was around XXXX it was still covid season and haven't been there since. I been living in Mississippi all my life. If you need anything else from me, please let me know. Thanks... 
I will also upload a few tax documents from my bank that will have the addresses of me living in the state of Mississippi at those times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan from XXXX XXXX XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXXXXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Equifax, and XXXX XXXX XXXX  with no successful resolution. Equifax reporting me 30 days late in XXXX of 2022. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX has criminally turned a blind eye on MULTIPLE occasions even AFTER I have provided COURT DOCUMENTS stating no such accounts exist and NO monies are owed! Including but not limited to UNREBUTTED affidavits of truth submitted to the alleged " original creditors '' to which they did not respond accordingly via affidavit of truth. There is no substance, truth or first-hand knowledge to such alleged accounts, and are elaborate mechanisms fueled by conspiring ( kickbacks ) with original creditors to funnel credits back and forth at the expense of the unsuspecting consumer and FULLY BENEFITING THE CONSUMER REPORTING AGENCIES ( which are not even real BUREAUS ), they are impersonating federal agencies through deceptive and clever means of the companies purpose. These fraudulent accounts have been enforced through deception and negligent reporting. Consumer reporting agencies have NO PROBABLE EVIDENCE ; NO PERMISSIBLE PURPOSE ; NO WRITTEN CONSENT and HAVE VIOLATED MY RIGHTS FOR YEARS!

Court documents & affidavits have been sent via The United States Postal Service as witnesses over to the alleged " original creditors '' in regards to the questionable validity of these fraudulent accounts and have been denied FULL DISCLOSURE AND PROBAbLE EVIDENCE. I have sent a final demand for compliance to Transunions legal department demanding they provide probable evidence, contracts, security agreements, tradelines ; any and ALL and FULL DISCLOSURE/FULL ACCOUNTING/LEDGERS/TAX FORMS AND INSURANCE POLICIES pertaining to XXXX  : XXXX.
Product: Credit reporting or other personal consumer reports

credit reports are required by law to be accurate. The Fair Credit Reporting Act ( FCRA ) is a federal law that ensures the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Under the FCRA, both the credit reporting companies and the information providers ( such as banks and credit card companies ) are responsible for correcting inaccurate or incomplete information in your report. If you find any errors, you have the right to dispute them, and the credit reporting company must investigate the claim fully, not just with furnishers. Providing inaccurate or outdated information on a credit report is not legal under the Fair Credit Reporting Act ( FCRA ). It has been longer than 30 days, since my complaint was filed and the incorrect information is still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and misused by unauthorized individuals. Im demanding an investigation and immediate removal of the following accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX  XXXX 4 ) XXXX XXXX XXXX 5 ) US Department Education 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX  8 ) XXXX XXXX  9 ) XXXX XXXX XXXX 10 ) US Department Education 11 ) US Department Education
Product: Debt collection

There is a charge from Aldous Associated that hit my credit. I never heard of the company or received any communication from them. I see there is a debt of {$260.00} dollars owed. I never agreed to pay anything to this company because I am not familiar with who they are. 

It states the original debt belongs to the gym. XXXXXXXX XXXX, the gym I spoke to the manager in XXXX of XXXX. We did not discuss any debt owed, he told me I could come in and get another active membership. He checked my login information and seen I had not been to the gym since XXXX of XXXX. He confirmed I did not have to pay for the year I did not attend the gym at all. 


I do not owe the gym anything because I have not been a member in almost a year. I planned on rejoining a closer location but I will not do anything with this gym now. This company has no record of me owing a balance or anything showing I entered this gym. Please remove this inconsistency off my credit. Thank you!
Product: Credit reporting or other personal consumer reports

AFFIDAVIT COMPLAINT For several years I have been a victim of fraudulent accounts, aggravated identity theft and inaccurate reporting. 
XXXX is falsely and inaccurately reporting negative items to my credit/consumer report. I have no contract with them, they have never provided me any service, they have never provided me any product and I don't know who they are. I have made several attempts to contact them they failed to disclose an agreement exist or reply with such existing contract. 

Employees/Agents of XXXX received a cease notice on XX/XX/XXXX  certified Mail number XXXX and also a follow-up correspondence by certified Mail number XXXX. 

within the Fair credit reporting act as a consumer my rights have been breached which are protected by the Fair credit reporting act. My privacy and confidentiality is at stake because of this false reporting. 

IN REGARDS TO XXXX under 15 U.S.C 1681 section 602 A. 
according to this section my rights of privacy are recognized. 

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. 
XXXX never had any instructions from me. 

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization form the agency to provide such report. 
I never authorized XXXX to make such reports. 


15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported By XXXX. 


I NEED THIS ACCOUNT/ITEM DELETED
Product: Credit reporting or other personal consumer reports

I'm trying to apply for credit but do to the fact that XXXX, equifax, XXXX and XXXX are reporting different things companies are using their reporting against me I can't open a bank get a loan credit, credit card nothing to help because of what the companies are reporting I have lost my job because I can't can't get funding on and it's unfair.