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

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. 

I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE THEM WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

TO MAKE THE DELETION PROCESS EASIER, I ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! 

Account Name : XXXX XXXX XXXX ( Transunion, XXXX, XXXX ) Original Creditor : XXXX Account Number : XXXX Account Name : XXXX  XXXX ( Transunion, XXXX ) Account Number : XXXX
Product: Debt collection

I have tried to connect with this company several times to figure out who they are and it has been unsuccessful. I have no idea what this is and they are reporting in different ways on my credit report
Product: Debt collection

XX/XX/2021 I spoke with XXXX at XXXX XXXX on a Saturday. He asked for payment, I informed caller I would go into the clothing store to make payment and he proceeded to ask why and started raising his voice. I informed caller because I have the right to pay in store and he continued to yell and tell me I needed to pay with a debit card. I informed he was yelling and tried to explain that I have an option to pay in store and he confirmed I had an option to pay in store but he proceeded to get loud and speak over me
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX to get tv service. While I was trying to set things up. I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found a unknown account that does not belong to me except the XXXX XXXX   account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent account off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately.
Product: Money transfer, virtual currency, or money service

Im a victim of identity theft. The fraudster was able to login to my Robinhood stocks account, sell my stocks are transfer the money to a fraud bank account totaling {$3200.00}. They were able to do all of this on XX/XX/XXXX. I immediately contacted robinhood on XX/XX/XXXX because I was locked out of my account. I had them investigate this matter multiple times and nothing was done on their end. They state that they will reimburse unauthorized charges on your account but thats not the case. They are refusing to help me even though Ive answered all their questions and sent in documentation showing this was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$240.00} ; XXXX  XXXX Balance : {$29000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my protected consumer rights to privacy and confidentially under 15 USC 1681 Account Name : Illinois Bankruptcy Ref # XXXX Account Name : Indiana Bankruptcy Ref # XXXX Account Name : Illinois Bankruptcy Ref # XXXX Account Name : Indiana Bankruptcy Ref # XXXX Account Name : Illinois Bankruptcy Ref # XXXX 15 U.S. Code 1681a Definitions ; rules of construction.

Sec ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Sec ( A ) subject to section 1681s3 of this title, any Sec ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

The second rule I will be filing and disputing with you is from 15
U.S. Code 6802 - Obligations with respect to disclosures of personal information Sec ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Sec ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

The third rule I will also be filing and disputing with you is from 15 U.S. Code 1681n - Civil liability for willful noncompliance Sec ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Debt collection

XXXX XXXX XXXX I HAVE NOTIFIED THEM ON NUMEROUS OCCASIONS THAT THESE ARE NOT MY ACCOUNTS I EVEN SENT MY FTC AND A NOTARIZED AFFIDAVIT TO VERIFY THAT MY PROOF OF IDENTITY AND THAT THESE ARE ERRONEOUS CHARGES THEY ARE TRYING TO CONTINUE DEFAMING MY CHARACTER FOR I HAVE BEEN VIOLATED AND THE LAWS AS WELL THEY STATE IN REMARKS ON REPORTING AGENCIES THAT IT MEETS THE FCRA GUIDE LINES BUT WILL NOT PROVIDE VALID INFORMATION AS TO HOW THEY ARE VALIDATING THEIR INFORMATION THEY CANT POSSIBLY HONESTLY INVESTIGATING COMPLETELY BECAUSE THEY WOULD SEE THAT THIS ERRONEOUS INFORMATION WAS NOT ME AND IT NEEDS TO BE REMOVED/DELETED IMMEDIATELY INSTEAD OF JUST CONTINUING TO TAKE THE EASY WAY OUT AND VALIDATE THE DEBT AND MAKE MY LIFE HARD WHILE I'M TRYING TO CLOSE ON A HOME FOR MY FAMILY INVESTIGATE, SEE THAT ITS NOT MY DEBT, AND DELETE IT. PLEASE I DON'T UNDERSTAND YOU ALL PAY PENNIES ON A DOLLAR FOR A DEBT THAT I DON'T HAVE ANY INFORMATION ON THE ORIGINAL CREDITOR EVEN SENT ME A RESPONSE THAT THEY DIDN'T VALIDATE THE DEBT WAS MINE AND THEY HAVE NO INFORMATION ON THE ACCOUNT SO WHY CONTINUE TO DRAG THIS OUT AND MAKE ME TO CONTINUE TO TELL MY KIDS DISAPPOINTING NEWS THAT WE CANT MOVE INTO OUR FOREVER HOME BECAUSE OF XXXX COLLECTORS I'M ON FIXED INCOME AND TOTALLY XXXX  WITH XXXX  CHILDREN JUST TRYING TO MAKE IT BUT I DON'T KNOW WHAT YOU ALL WANT FROM ME YOU ALL MAKE MY HEALTH WORSE WITH ALL THIS STRESS. WE FINALLY GET TO A PLACE WHERE WE CAN GET SOME HELP TO CLOSE ON OUR HOME AND THEN BOOM XXXX  COLLECTION IS STOPPING US. THIS IS CRAZY ESPECIALLY WHEN ITS ERRONEOUS INFORMATION.
Product: Debt collection

I am writing in regards to fraudulent activity reporting on my credit report. This debt is not mines and it is stopping me from being able to provide for my family. I pursuant to FCRA15 U.S. Code 1681c2 that Experian block all of the accounts, collections, and hard inquires identified in this CFPB complaint from my consumer credit profile within 4 business days of receiving this complaint. This debt was a result of identity theft. I have enclosed a copy of my FTC Identity theft report ( FTC REPORT XXXX ) to support my claim. As required by FCRA15 U.S. Code 1681c2 block this fraudulent information from my credit report immediately. I have been disputing these items for months and Experian does not want to give me a solution.

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
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 XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 card or prepaid card

I send few weeks back bank statement it shows PFCU received/adjusted the payment for the disputed credit cards but PFCU never took any action about my request. PFCU sold the disputed accounts to XXXX  even after they got the payment. So PFCU should contact XXXX  and remove those accounts from my name.

Those disputed credit cards was used some one else without my knowledge and i was reported fraudulent activities to PFCU and submitted ID theft documents.
Product: Checking or savings account

This is a complaint against Ally Bank regarding my checking account ending in XXXX. Checks I have deposited into that account range between a {$200.00} and {$530.00}. Ally 's policy is that checks over {$200.00} should have only a 2 day hold yet their actual hold times on over {$6500.00} of my deposits has been more than 5 business days to date. I deposited 17 checks on and between XX/XX/XXXX XX/XX/XXXX for a total of {$7400.00}. I sent secure messages to Ally Bank through my online account on XX/XX/XXXX and XX/XX/XXXX requesting that they make the funds available. I have not had a satisfactory response. I have also tried calling the bank 3 times to talk to someone and each time the hold time was over 30 minutes. I could not hold that long two of the days I called. Today after holding 37 minutes the system hung up on me before anyone answered. My online dashboard says I have available XXXX with a current balance of {$10000.00}. The problem is that after seven to nine business days since my deposits, still {$6500.00} of my funds are not available to me. I want Ally to make all the funds in my current balance available to me.
Product: Payday loan, title loan, or personal loan

Around XX/XX/XXXX, I attended a webinar presentation for the company. They advertised as a travel site with deep discounts. Total sales price was around {$2000.00} and was to be paid monthly. After presentation I spoke with a salesperson, and while hesitant I did sign up for the product. I was told that I was able to cancel within 5 days if I changed my mind. After doing some research, I decided I did not want this product. The next day I called and requested a cancellation. I was told that I would need to write a letter requesting cancellation. That same day I did send out a letter requesting cancellation. 

Around XX/XX/XXXX, I realized that a collection account was reporting for nearly {$3000.00}. The company was Monterey Financial. I learned they were trying to collect this debt for XXXX XXXX. I called and explained that I was under the impression this was cancelled and I did not owe anything. I have been getting the run around since then about this debt. Today I spoke with a representative from Monterey and was told that unless XXXX XXXX would be willing to send me proof that I sent the cancellation letter, there was nothing that could be done and the debt is valid. I was also told that if I paid an amount of {$3000.00} in full, they would remove any existence from my credit report, but if I opted for a settlement or monthly payments, it would still report negative. 

I explained that all I had was a copy of the letter that I had sent, but did not send it certified mail or had any proof that it was received or delivered. ( I was told I only had to send the letter via USPS- not that it should have been certified ). 

I have never used the services that company offers and I notified that company of cancellation not even 24 hours after. 

This debt is not valid and needs to be removed from my credit repot. Both companies, Monterey and XXXX XXXX, need to be investigated for their misleading and fraudulent business practices. As well as what I feel are violations of debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked the credit bureaus to do a verification and they done so, they researched on my report and stated that is was accurate but I done a thorough researched on my report I've found improper items on my report that's I found inaccurate. 

# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Reporting act XXXX  Account # 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Checking or savings account

I made a wire transfer of {$210000.00} on XX/XX/year>. But the bank is holding my funds in review since then. 

I called them on XXXX and provided all the information they need. They said they would get back to me by XXXX. But they didn't call me back. 

I also called them on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. But they keep saying the review is underway. 

At this point it's over 10 days and I'm losing money every day because they're holding my money.
Product: Debt collection

Received a call on XX/XX/2022 About a medical debt I asked him to send over any verification to me with my signature as medical bills are not okay to be sent to collections and may have violated my rights via HIPPA. They would not agree to send me anything told me I need to take accountability and pay my bills, over talked me and said they will keep calling about it until it is resolved. I told them they are no longer allowed to call me only contact will be via mail with whatever information they have on file
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong name on my Equifax account See complaint # XXXX Equifax 's reponse to this complaint is preposterous. 
None of the accounts that Equifax has lists my name as " XXXX '' which Equifax ALONE of all three credit agencies has listed as my name for 30 years in error. 
It is Equifax that is responsible for correcting its own error.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety 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 - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX BANK XXXX XX/XX/year> Employers : XXXX XXXX XXXX XXXX Employers : XXXXXXXX XXXX Employers : XXXX XXXX XXXXXXXX
Product: Credit reporting

XXXX contines to list XXXX as late 30 days in XX/XX/XXXX. I have never paid this account late and XXXX is the only CRA reporting it as late, all others have either deleted the trade line or have it listed in a positive status. XX/XX/XXXX to XX/XX/XXXX is 7 years and the reporting period if I had paid late has expired and thus this account should be moved into a positive status on my report or the entire trade line deleted. I contacted XXXX back in XXXX requesting the update with no resolve. 

Additionally XXXX continues to also report XXXX on my account also a violation, the statute of limitations and the reporting period for this item has passed. The item was transferred to XXXX XXXX and then sold transferred to XXXX XXXX XXXX. This is a zombie debt and as such should be deleted. Due to Equifax not responding to my requests I reached out to the collection agency that the account was sold to and they have confirmed there is nothing owed and have deleted the account from my credit file as such the original creditor should do the same. The same instance has been for XXXX XXXX, this item was also a XXXX transferred to XXXX and then sold to XXXX XXXX which also states the item to be deleted as the statute of limitations and reporting period has ended as such the original creditor should be removed. 

I have tried mailing Equifax and also trying to dispute via their website and while I have a report number and key in all the relevant information their website will not allow me to dispute. I am unable to seek resolution through them. I implore CFPB to contact Equifax.
Product: Debt collection

This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 1. Received no communications from Jefferson Capital System at all. No phone, No mail notification.

2. Never verified this debt with me before reporting to the credit bureaus 3. Didnt provide me with an oppurtunity to dispute this debt before reporting to the credit bureaus.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, ON MY CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports and YOU DID NOT REQUEST Form SSA-89 for me to sign when application for credit was filed so therefore thered be no proof of me applying for anything please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing an account for XXXX XXXX Acct # XXXX that has been paid in full which when the account was paid in full XXXX agreed due to a goodwill payment, once the payment has been made they will honor my request for my XXXX account to be deleted off my credit report from all three credit breaus. Well needless to say, your credit breau has yet to honor XXXX 's deletion reques off my credit report, the account is still howing on my credit report as closed. I have also faxed the document to your company, called and spoke to a representative at your office, informed them of the contact name and phone number who they can call at XXXX to confirm the information on the letter attached is accurate and still nothing. 

Let me provide you the information again, I spoke to XXXX XXXX with XXXX XXXX XXXX who is the collections manager with XXXX. XXXX with XXXX provided me with the letter attached approving the XXXX account to be deleted off my credit report.