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

This account is fraud it has been removed under collection agency named XXXX XXXX  now it has be put back on my credit under XXXX ( XXXX XXXX XXXX XXXXs ) In XX/XX/2023. I am found this discrpency when I applied for my home. 
The is no account listed on my report. See attached report this is fraud. 
please delete this account. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX - # account XXXX has violated my rights. 
15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 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, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX A V XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed some hard inquiries on my report that are inaccurate and were never authorized by me. I will list them here XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, On XX/XX/XXXX I think the bank ran my credit without my blessing. i know about XXXX  however XXXX, XXXX  XXXX and XXXX  all made on XX/XX/XXXX is all fraud and i never signed anything giving anyone permission. XX/XX/XXXX XXXX of XXXX XXXX is also fraud. XX/XX/XXXX the car dealership ran my credit without my authorization XXXX  XXXX, XXXX, XXXX on XX/XX/XXXX. XXXX XX/XX/XXXX was not authorized by me i never signed or applied for anything online. Also XXXX  XXXX XX/XX/XXXX and XXXX XXXX XXXX I don't know anything about that either. Lastly is XXXX XX/XX/XXXX is also inaccurate. I never applied online or in person with this company. I have no business with them.
Product: Credit reporting or other personal consumer reports

Delete hard inquiries : XXXX XXXX XX/XX//2024, XXXX XX/XX//2024, XXXX XXXX XXXX XX/XX/2024, XX/XX/XXXX XX/XX//2024, XXXX XXXX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, 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 rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my 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, date of last payment is inaccurate, past due amount is inaccurate, account type inaccurate. This ground for removal they also violated my rights under 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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a XXXX  in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, Public Record - XXXX XXXX XXXX XXXX XXXXXXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE :XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

In XX/XX/2021 our VA mortgage was sold to Freedom Mortgage. XX/XX/XXXX my husband was contacted by XXXX at Freedom Mortgage asking if wed like to refinance. We told him no, but then on the XXXX XXXX emailed me a loan application to sign- even though we told him NO. Then today ( XXXX ) in the mail was another loan application. I do not want to refinance and even though he was told that he completed a loan application on my behalf without my permission! His full name is XXXX XXXX XXXX XXXX XXXX. 

For reference purpose, when this is passed on to Freedom Mortgage, the loan number at the top of the loan application says XXXX.
Product: Debt collection

To whom it May concern, I received the medical services from XXXX of XXXX XXXX, when I finish the procedure that same day I ask them if I have to pay any deductible to what they answer that they have to process the service with my health insurance first, I never received a letter from of XXXX of XXXX XXXX or phone call either, I realize that I owe you money because a collector agency ONLINE COLLECTIONS GRVL reports the account to my credit under collection damaged my credit and I am in the process of buying a house for my Family, I need help to solve this problem because I understand that they had to communicate with me first, I have never refused to pay a debt. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have purchased Equifax Complete Premier Plan, and I have been unable to access my daily credit reports with receiving the same error code for months. The code is XXXX XXXX   : XXXX XXXX : XXXX. XXXX XXXX : XXXX I have called maybe 20 times to try to resolve the issues mainly being hung up on by the Equifax representative. No one is able to access my credit report, and it is affecting me, adversary, as I am trying to move. 

I spoke with the last rep at XXXX told me that my file was mismatched. He then transferred me to XXXX, which in turn transferred me back to a department that was closed. 

I am paying for a membership fee unable to have access to the product.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair reporting act this creditor has violated my rights. Under 15 usc 1681 section 2 states I have the right for privacy. USC 1681 section 604a a consumer reporting agency can not furnish an account without my written instructions. Under uscs 1666b a creditor can not treat treat a payment on a credit card account under an open consumer account open end as late for any purpose.
Product: Credit card or prepaid card

In XX/XX/2022, I got a Vanilla Gift Card number, on the second transaction the card was blocked for some unknown reason, the balance of {$20.00} remained on the card. 
I tried to contact the providers from the bank that owned this card, for three days in a row, I called the phone number indicated on the card and on the website... 
Every time I called, I spent about two hours trying to reach a customer service representative on the phone. 
And finally, on the third day of my calls, I was lucky, a representative of the company answered me and said that they had a technical error in the system, my card was blocked for a reason she and I did not understand, and the Vanilla Card company would send me a new card in return blocked. 
After another half an hour of waiting on the phone, she said that they were having problems sending cards due to a system failure and put me in touch with her supervisor. 
After an additional wait on the phone, for 40 minutes, the phone was picked up by the same representative as the previous one, kept me on the phone for another half hour, and the same story repeated itself, that is, he said he needed to contact the supervisor (? ) and when I asked, why the previous representative sent me to him instead of the supervisor, the representative named XXXX, I immediately said : I am the supervisor, but I can not help you, we have a technical error in the system and I recommend that you call again tomorrow. 
This is the fourth day in a row that in order to achieve something and get a balance of {$20.00} back, I have to call four days in a row, spend at least one and a half to two hours a day on the phone and all to no avail! People who work for this card absolutely unprofessional, absolutely unable to help the client in any way. 
The calculation of the administration of this bank / card is based on the fact that people, ordinary Americans, simply do not have time to stand on the phone for hours because of small balances of {$20.00}, {$30.00} dollars and using this they are engaged in fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

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 {$540.00} # XXXX, Account name XXXX XXXX XXXXXXXX XXXX {$610.00} # XXXX opened on XXXX, Account name : XXXX XXXX XXXX {$6900.00} opened XXXX XXXX # XXXX, Account name : XXXX XXXX opened on XXXX {$1400.00} # XXXX, XXXX XXXX {$500.00} opened XXXX # XXXX, XXXX XXXX {$1600.00} opened XXXX has violated my rights. 

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to 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

On XX/XX/2020 I had money deposited into my account from my gig jobs, the money was direct deposited into the account. On XX/XX/XXXX, I get a bank notification stating my account dropped below {$25.00}, I immediately login to check my account. Upon logging in, I noticed unauthorized charges on my account in the amount of {$200.00}. The person or persons cash app the money out of my account. They used my name and also there was a name of XXXX on theXX/XX/XXXX. I called Bank of America to let them know that these charges are unauthorized and was fraudulent. A temporary credit was given, pending the outcome of the investigation. On XX/XX/XXXX the bank did a credit reversal that cause my account to be overdrawn. I called the claims department with Bank of America, I was told they could not prove the it was fraud because my husband had received money into the account from cash app. I was told that its was nothing that could be done. I just lost {$200.00} of my money that was earned do to something that happened, ( which I don't know or understand how ). I never give my bank information or card information out. Bank of America even sent a new debit card out. We are in a pandemic I don't have {$200.00} to lose I have to feed and care for my family. Please help!! I cant get nowhere with Bank of America.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that resulted from identity theft. These accounts do not belong to me and I am the one disputing these fraudulent information. I have already informed the companies involved about the fraudulent activity. Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. 

I request that you conduct a investigation into these accounts and promptly remove them from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process. 

These are the fraudulent accounts on my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit report. I believe I am a victim of identity theft. There are accounts on my report that I did not authorize. I have a security freeze and should have been notified before my information was ran. These fraudulent items are reporting inaccuracies to my which are affecting my relationship with creditors. Please investigate these matters and remove the disputed items.
Product: Debt collection

XXXX requested original documents received copy of a lease with an electronic signature - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation - Date reported - Date opened - Creditor Type - Account Status - Providing a copy leased but not original and no proof of your name on the lease. 
- Failed to respond to my previous letter and fill out bottom half of the form and mail back You FAILED TO FILL OUT 2 Page, Signed and Sent back to me ( please see attached ) -XXXX  and XXXX reporting different information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Experian for failing to fix account XXXX XXXX XXXXXXXX by updating the On Record Until XX/XX/XXXX to the correct Purging date by using the Correct date of delinquency date XX/XX/XXXX as described in section 605 of the FCRA. 

XX/XX/XXXX XXXX XXXX had responded to my CFPB complaint # XXXX I had filed against them and they kindly provided me with the Date of First Delinquency on the original creditor account with XXXX XXXX  which XXXX XX/XX/XXXX. 

XX/XX/XXXX I made experian clearly aware that they are reporting a inaccurate purging date ( on record until XX/XX/XXXX ) on the account. 

XX/XX/XXXX Experian generated me with Verified as Accurate results report # XXXX and the report that was attached to my results still report this accounts On Record Until XX/XX/XXXX. Experian is verifying as accurate this account by using validity instead of correcting federal errors I put them on notice for. 

Experian blatantly ignored my dispute and failed to fix this account to the maximum possible accuracy in regards to their reinvestigation and this account remains to have a inaccurate purging date On Record Until XX/XX/XXXX, therefor this account should have been deleted. 

Experian is not following Federal Law and is currently in Violation of the FCRA section 605. For verifying as accurate a account by using some other source other than the data furnisher XXXX XXXX, KNOWING the on record until XX/XX/XXXX is inaccurate. If experian was in response with XXXX XXXX in regards to the purging date then they would have been made aware of the correct purging date to report. by experian reporting the on record until XX/XX/XXXX experian is manipulating the original date of delinquency date with the original creditor. 

I have also attached proof from XXXX website FAQ published by a XXXX XXXX a Consumer Education XXXX on XX/XX/XXXX that clearly explains the question when does the 7 year rule begin for delinquent accounts? XXXX XXXX clearly explains If you have a late payment and never bring the account current, it will eventually be written off as a loss. The debt then could be sold or transferred to a collection agency. In this case, the entire account will be removed seven years from that ORIGINAL DELINQUENCY DATE, ALONG WITH THE SUBSEQUENT COLLECTION ACCOUNT. 

I have proof from this debt buyer of experians inaccurate reporting. I have already disputed this account indirectly with experian and specifically put them on notice of the error of a inaccurate purging date On Record Until XX/XX/XXXX and experian has generated me with verified as accurate results KNOWING this account is not accurate. experian did not follow reasonable compliance procedures to assure my consumer file is of maximum possible accuracy before preparing me a new report 1681e ( b ). Accuracy of report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in constant violation of my rights to privacy as a Consumer, in accordance with the FCRA I have constantly asked them to stop violating me under 15 USC 1681, 15 USC 1681 section 602, also 15 USC 1681 section 604 section 2 says they can not report anything on my credit report without my written consent, -FDCPA section 807 Violation misleading false reporting 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There fraudulent accounts that have appeared on my credit report, which I believe are the result of the XXXX data breach and unauthorized use of my personal information. These accounts were opened without my consent, and I am requesting their immediate removal from my credit file. The fraudulent accounts include : XXXX XXXX XXXX  {$620.00} XXXX XXXX {$870.00} XXXX XXXX  {$640.00} Bay Area Receivables {$280.00} Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure the accuracy of consumer information and investigate disputes promptly. These accounts were not opened or authorized by me, and their presence on my credit report is causing undue harm to my credit profile.
Product: Debt collection

On XX/XX/2019 FAIRWAY INDEPENDENT MORTGAGE assigned my mortgage note to XXXX , XXXX without my consent to do so. Since XX/XX/2019, XXXX , XXXX has continued to ask for payment for an alleged debt. I am a veteran buying my first home and the mortgage company took advantage of the fact that I was unaware of their constructive fraud giving to me in a contract. That is a violation of the FDCPA [ 15 USC 1692 ( e ) ]. I have disputed this debt for by the rules of the FDCPA, TILA, UCC, and the company still chooses to provide negative statements to my credit report. Willingly and knowingly providing false and misleading information is direct violation of congress. I did not sign a contract with XXXX , XXXX. I made no agreement with XXXX , XXXX. My note was given to the company by way of Identity theft for the securitization on my note. This is an unauthorized use of my SSN and personal identity upon the company. I have been harrassed by XXXX , XXXX. They have left notes on my door, claiming that I am the borrower and I need to call them. The term borrower is not defined in the FDCPA, and that is because I am the creditor. I am the one who extended my credit through the note and these companies are playing with. At one point the company had an attorney contact me claiming that I owed an alleged debt to XXXX , XXXX. There are no attorneys. Then the communication stopped. The actions taken by this company has caused me a great deal of stress, financial burdens, and hardships. I have taken the action to bring XXXX , XXXX in suit for their direct violation of these laws of congress [ 15 USC 78ff ( a ) and 15 USC 1692 ( e ) ( 3 ) ].