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

I requested fraud alert be placed on my credit report and security freeze along with fraudulent account being blocked after submitting ftc report and identity theft affidavit notarized. 

According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

As Surety, I have the power to stipulate. I stipulate that this fraudulent account be removed from my Surety report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer reporting agency, for its persistent failure to rectify inaccuracies in my credit report despite multiple disputes lodged against accounts associated with XXXX XXXX XXXX. I have previously submitted disputes on XX/XX/2023, XX/XX/2023, and XX/XX/2023, regarding the following accounts : Account XXXX ( {$500.00} ) XXXX. Account XXXX ( {$2700.00} ) XXXX. Account XXXX ( {$2000.00} ) XXXX. Account XXXX ( {$1800.00} ) XXXX. Account XXXX ( {$1900.00} ) XXXX. Account XXXX ( {$500.00} ) XXXX. Account XXXX ( {$1100.00} ) XXXX. Account XXXX ( {$1300.00} ) XXXX. Account XXXX ( {$2400.00} ) Despite my vigorous efforts to dispute these accounts, Experian has failed to rectify the inaccuracies, and these accounts continue to be erroneously reported. This egregious misreporting not only violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) but also infringes upon the Fair Debt Collection Practices Act ( FDCPA ). 

I have provided Experian with clear evidence supporting my dispute, including multiple certified letters detailing the inaccuracies and requesting the removal of these disputed accounts. Unfortunately, Experian has yet to take appropriate action, even with each certified letter providing proof of each violation. This ongoing failure to address and rectify the reported inaccuracies demonstrates a blatant disregard for the FCRA and a persistent violation of consumer rights. 

The XX/XX/2023, letter reiterated my concerns and provided additional documentation reinforcing the inaccuracies in question. Despite the evidence presented, Experian has not taken the necessary steps to rectify the reported inaccuracies, further exacerbating the harm caused to my creditworthiness and financial standing. I request the Consumer Financial Protection Bureau 's urgent intervention to investigate this matter thoroughly and compel Experian to rectify the inaccuracies promptly. The continued presence of these disputed accounts on my credit report negatively impacts my creditworthiness and financial standing, causing unwarranted harm and stress.
Product: Bank account or service

HSBC Bank USA XXXX XXXX has a lien against a property my client wishes to sell and is under contract. However, they have not responded at all to our attempts to get a pay-off or release. SEE ATTACHED LETTER for details. It has been over 60 days and they still have not responded at all.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized 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 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

Transunion A complaint was filed with Transunion complaint number XXXX for reporting inaccurate information regarding names, addresses, fictitious child support information which has a XXXX balance and department of education debt regarding a balance which can not be proven to be owed by the consumer. Transunion has violated fair credit reporting act pursuant to 15 U.S.C. 1681b ( 2 ) -permissible purposes for consumer reports and 15 U.S.C 1681s- ( 2 ) ( b ) -Responsibilities of furnishers of information to consumer reporting agencies. ( B ) Duty to correct and update information. A person who- has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. The alleged third party debt collector XXXX/U.S. Department of Education nor did Transunion obtain permission to compel the use, alter and sell the social security number regarding an alleged debt created on the back of nothing when the consumer who is the original creditor extended credit which is due back to him. Such negligence also violates fair credit reporting act, fair debt collection practices act, 15 U.S.C. 1681c-1-identity theft prevention ; fraud alerts and active duty alerts, 15 U.S.C . 1681j-charges for certain disclosures, failure to investigate, violation of 15 U.S.C. 1611-criminal liability for willful and knowing violation, violation of 15 U.S.C. 1641-liability of assignees, 15 U.S.C. 1642-issuance of credit card which clearly states that no credit card shall be issued except in response to a request or application thereof. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit, violation of 15 U.S.C. 1640-civil liability, violation of truth and lending regulation Z regarding XXXX/U.S. Department of Education because banks dont lend money nor do they lend assets of theyre depositors, violation of 15 U.S.C. 1681n- civil liability for willful noncompliance, violation of 1681o-civil liability for negligent noncompliance, violation of 15 U.S.C. 1681d-disclosure of investigative consumer reports, violation of 15 U.S.C. 1681-procedure in case disputed accuracy and violation of 15 U.S.C. 1681l- restriction on investigative consumers reports, violation of 1028a-aggravated identity theft, violation of 15 U.S.C 1692k-civil liability , 18 U.S.C .1028- Fraud and related activity in connection with identification and grand larceny.
Product: Checking or savings account

I opened a checking account with Citibank and had part of my paycheck deposited into that account. They closed my account and will not release my funds for 30 to 60 days
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, received an email that an account from XXXX XXXX  was opened in my name. Never opened that account. Called them and they said they would shut down the acct. I filed a dipute with Transunion and they will not remove it from my report. My phone was hacked and 2 days later credit inquires were coming in.
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 {$140.00} OPENE XXXX, Account name : XXXX XXXX XXXX {$560.00} opened XXXX, Account name : XXXX XXXX XXXX {$580.00} opened XXXX, Account name : XXXX XXXX {$3200.00} 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 ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) 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: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Good Morning, I have a Mortgage with Shellpoint Mortgage and I owe under {$4000.00}. I make Bi weekly payments that get automatically taken out .In the month of XXXX the way the payments fell I was going to have three payments taken out that month. I called Shellpoint and asked them to not take out the third payment in XXXX because I would have overpaid, and to continue in XXXX. What happened next was that unknown to me, Shellpoint had mistakenly removed me from the autopay all together and when I receive a letter stating that I was late with my payment. I called them and told them I was not late that I have automated bi weekly payments taken out. They advised me that for XXXX my payments were not deducted. I made a payment of XXXX on XX/XX/XXXX and a second payment on XX/XX/XXXX for the same amount and was told I was not reported to the credit bureau because my husband is very sick and they had documented that. I payments have been on time and i have been working very hard to have a Good Credit score. I am back on the bi-weekly and am not at fault of this misunderstanding. Even my husbands credit was affected and his credit was in the 800 's and now has dropped to the 700 's .This is very unfair, and after multiple call 's and getting different agents and stories I decided to get help here. They also lied that they tried calling me 4 times a day. Who does that? Please Help us we pay our bills and our Credit scores mean everything. Thank you so much for your time. XXXX XXXX and XXXX XXXX.
Product: Checking or savings account

My wallet was stolen and I reported my card stolen to Ally Bank and they confirmed the card would be cancelled. They then waited over XXXX minutes before canceling the card resulting in over {$2000.00} in fraudulent charges from my account. While speaking with them XXXX, a call center supervisor, confirmed the transactions took place after my request to have my card cancelled and that my only option was to allow the transactions to settle then to dispute them then. I am now without money to pay my rent or other bills because of their negligence.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS/INQUIRIES REMOVE 

15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions
Product: Credit reporting

Most of my current open tradelines ( revolving and current auto loan ) are not reflecting current information as of XXXX 2016 and still reflecting last reported payment date as of XX/XX/2016 or prior. The other credit bureaus XXXX & XXXX are reflecting up to date balances, payment history etc but Equifax still has not reported this information. This is adversely affecting my credit and scores and current balances and payment history is not being reported. These accounts are open and current and even new credit line increases are not being updated as well. I have disputed this information many times with equifax this past year and still shows in dispute however its been way over 90 days with still no update with correct reporting information. I have made payments on this account all the way up to XXXX 2016 and still shows last payments made were on XX/XX/2016?? this is not correct whatsoever! Equifax needs to update this information to current date.
Product: Credit reporting or other personal consumer reports

I previously reached out to XXXX, XXXX and Transunion and advised that I am a victim of identity theft. I obtained a copy of my credit report and noticed several accounts that do not belong to me. Upon discovery, I contacted the credit bureaus via phone on XX/XX/year> an d notified them of my discovery. I placed a fraud alert and contacted authorities and made a police report. I also made a report with FTC # XXXX. I also contacted the bureaus via mail with information to verify my identity in addition to a list of accounts that were fraudulently opened in my name. They responded within 30 days. However, the response did not follow my demands according to my rights per FCRA. I am demanding these accounts be removed as they have made a negative impact on my credit report and has also affected my score. I recently discovered that XXXX and XXXX are being sued due to failure of reporting correct information and handling disputes properly. Please investigate and remove the following accounts immediatley. 


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 noticed that there are several names listed on my credit report and several different addresses. I would like to remove all other names and addresses that are not mine. 

I have included the documentation below.
Product: Debt collection

On XX/XX/2015, I returned equipment to XXXX XXXX to disconnect services. They advised me I had to call a number to disconnect even though I turned my equipment in. I called that number and after 18 minutes or so and the 2nd person trying to keep me from ending service, I disconnected the call. Fast forward, XXXX continued sending me bills for service. I made 3 trips to the office to fix the problem and it was never done. I finally advised the agent ( manager was not available ) that I would begin billing them for my time. I never heard back after that until a year and half later for 4 months of service after I returned equipment. The company would not accept that the equipment was returned and a call was made to disconnect. I advised them I would not pay this, especially with knowing that they shut service off after 30 days without payment, why would they ever bill after that point. This went on for another 2 years that I would speak to representatives and managers to demand they look at activity on my account after equipment return and they declined to do so. I have now had a collection from Southwest Credit Systems placed on my credit report that is not a responsibility of mine and needs to be removed.
Product: Debt collection

In 2011 I was diagnosed with XXXX XXXX. I had XXXX XXXX performed at the XXXX lab and also had insurance through XXXX. I paid what was left over from my insurance with 3 separate checks and still have the copies that shows XXXX cashed them ( front and back ). They turned me over to Fidelity a  collection agency. I have tried to get them ( Fidelity ) to provide documentation several times, the last time being today and do not receive anything proving I owe the XXXX dollars they say I owe. I have it disputed on my credit report but all that does is cause me problems when I try to make a major purchase even though my credit score is in the high XXXX 's. I have asked XXXX and XXXX to remove the dispute but it still shows up disputed.
Product: Credit reporting or other personal consumer reports

i have submitted several disputes to all the major credit reporting bureaus ( XXXX/Equifax/XXXX  ) on my XXXX XXXX account. I've requested several times to look into the inconsistent information being reported. do date all i have received are notifications stating the account has been either updated or verified as accurate. To date Equifax is reporting a completely different account number. I don't even know if this is my account they're reporting. XXXX is reporting a high balance of {$750.00}. XXXX is reporting a high balance of {$0.00}. Equifax is reporting a high balance of {$1.00}. XXXX is reporting date of last activity as XX/XX/22. XXXX is reporting date of last activity as XX/XX/22. Equifax if reporting date of last activity as XX/XX/22. XXXX and XXXX are reporting date of last payment as XX/XX/22 but Equifax reports it as XX/XX/22, which again makes me question if this account is even mine. Equifax is also reporting a {$0.00} credit limit. How is a balance owed on {$0.00} credit limit? I am entitled to a fair and accurate report. If this is the same account, why are they reporting different information across all XXXX bureaus? I have requested verification and validation of this account OR complete deletion from my credit file. I have received neither.
Product: Debt collection

Sent cease and desist letter to collection agency on XX/XX/2020. Received a return letter violating Fair Debit Collection Practices Act.  Then I sent a letter with Affidavit of truth, exhibits and invoice for violating my rights as a consumer, natural person and original creditor on XX/XX/2020 certified mail with return receipt with signature.
Product: Money transfer, virtual currency, or money service

My name is XXXX. I remitted money to XXXX through sigue corp on XX/XX/year>. The order number is : XXXX, the amount is {$2500.00}. I have never received it in XXXX! I asked SIGUE CORP for a refund through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Product: Debt collection

The debt was paid by garnishment, and the collection agency filed another garnishment, trying to collect twice what I had already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

All accounts listed reported to Federal Trade Commission XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove XXXX XXXX XXXX Balance : {$7200.00} XXXX  XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} RXXXX XXXX  XXXX XXXX Balance : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX 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 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.