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  Account Number : XXXX Account Name : XXXX XXXXXXXX Account XXXX and 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 believe the year was XXXX XXXX XXXX accounts have been reported as fraud and they refuse to take them off. 

XXXX XXXX has butchered my score by at least 80 points over the past 3 years by reporting me as 30 and 60 days late in XXXX. 
The credit reporting agencies refuse to remove it. I have proof of payment directly from my account to credit card account.
Product: Credit reporting

Hi, There are some personal information in my credit report that are incorrect : For instance the " Employer Reported and Date Reported '' XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXXMy employer 's name is XXXX and neither of the above misspelled names. 

Same with the information in " Names Reported '' XXXX XXXX XXXXMy full name is XXXX XXXX and not XXXX XXXX as listed. 

Please help correct the above information on my credit profile.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX $ Balance {$170.00} Date Opened XX/XX/XXXX XXXX XXXX Balance {$440.00} Date Opened XX/XX/XXXX **Inquiries** 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 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. Moreover Pursuant 18 USC 8 I DO NOT OWE ANY DEBT TO THESE COMPANYS is violating my consumer rights. Lastly, The credit bureaus are reporting two of the same account negatively XXXX XXXX XXXX XXXX investments. 

XXXX account XXXX XXXX-Account number- XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason.
Product: Student loan

I submitted an almost {$600.00} payment a little over a XXXX  ago and their portal says I owe almost {$400.00} still. This is XXXX, XXXX  inaccurate.
Product: Credit reporting or other personal consumer reports

I am sending to formally request an investigation into the accuracy of certain accounts listed on my credit profile, which appear to contain errors. Under the Fair Credit Reporting Act, 15 USC 1681i, you are required to complete your investigation within 30 days. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX : {$6300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}
Product: Prepaid card

My jpay XXXX XXXX  XXXX  account that XXXX XXXX XXXX give me was not using right number when you dial it it says you are receiving a call from correctiy facility and don't even let you check balance also has wrong date and said it was a purchase for XXXX dollars with debit of XXXX it's like it's connected to the XXXX  or stores. But yet it also has been open for long time. I believe it is XXXX XXXX or fraud. I can't even recieve nothing owed to me.
Product: Debt collection

XXXX XXXX XXXXXXXX attempted to collect a debt that was fraudulent. I disputed this for several months in writing as well as over the phone to no avail. They then sent this debt to Credit Control Corporation which sent me 1 letter several months ago. The letter included instructions on how to dispute the account which I completed. A very lengthy and detailed letter was sent to them, again, to no avail. After I sent the letter, I didnt receive any form of communication with them for several months, leading me to believe this was resolved. Credit Control Corporation added the fraudulent collections account to my credit report. Ive disputed the account multiple times with no results. I still have yet to hear from Credit Control Corporation and its apparent that they dont care that the account is fraudulent. I did not receive treatment at this hospital. I have not been to the XXXX XXXX  XXXX XXXX in over 10 years.
Product: Debt collection

I still have this on my Credit - Debt Collector ( Asset care Llc ) about XXXX XXXX XXXX. This is hurting my credit and its a Medical Bill which I have previously spoke with atleast 2 other Collectors about. I thought this was taken case of the last time I spoke with someone but apparently not. Can you please look into this? If I am wrong can you help me to understand this then? Thank you
Product: Debt collection

In XX/XX/XXXX a debt collector for XXXX XXXX XXXX claimed I owed a " ULT '' student loan at University XXXX XXXX XXXX XXXX ( XXXX ). The debt collector claimed to be working for the government institution XXXX but then they directed me to pay the commercial company ACS. I asked for promissory note and any other documentation. They said they do not have a promissory note and sent me computer screen print outs. In a letter was threatened that if I challenge their claim they would raise my interest rate to 18 %. I then contacted the Department of Education and The National Student Loan Database asking about the loan and the agency ACS. I have found that there is no record of any " ULT '' student loan. I have done my own research and have never found a such loan called " ULT ''. I have printed my entire student loan history. I have receipts showing XXXX balance on student loans at XXXX. On XX/XX/XXXX I tried to access my transcripts and discovered there was a hold. This hold on my transcripts was my cause to sue and I filed a lawsuit for fraud on XX/XX/XXXX. I have since discovered a trail of fraud including a XX/XX/XXXX tax intercept and that they ( ACS and or XXXX ) were debt collecting concealed under a different name in XX/XX/XXXX on my credit report. When I did a debt of validation on my XXXX credit report to dispute a unknown claim I won that debt of validation and their claim was removed. At that time I had no cause to sue due to the concealment I was not able to make the connection that ACS was in fact XXXX frauduently attempting to collect a non existent debt. After I filed the lawsuit I was contacted by an attorney for XXXX asking me to sign something and they will give me my transcripts. I of course refused to sign anything. This is 100 % fraud and I have collected a great deal of documentation to prove it. I have since been to 3 court dates where the attorney for ACS still has not provided any documentation of any debt instead has continually tried to delay the proceedings by not sending me notices and filing motions to dismiss. The next court date is XX/XX/XXXX.
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. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are - XXXX XXXX opened on XX/XX/XXXX Amount : XXXXXX/XX/XXXX opened on XX/XX/XXXX Amount : XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX Amount : XXXX XXXX XX/XX/XXXXopened on XX/XX/XXXX Amount : XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : XXXX I've reached out to the companies and haven't received any type of feedback.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following inaccurate items that are on my credit report. I have sent letters to XXXX, XXXX and Transunion and they have not acknowledged my disputes. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I called Chase bank I was scammed on XX/XX/year>, I discovered I deposited a fake check, and was requested by scammers to help pay her mover by XXXX. I paid the mover by XXXX twice, one is {$510.00}, the other is {$500.00}, so total {$1000.00}. 

I called Chase three times : firs call is XX/XX/year>. I told Chase representative I was scammed, I deposited a fake check, amount is {$1700.00}, then was scammed by XXXX payment twice. The representative said the check fund is available, if I am scammed to pay by XXXX, Chase bank will have my money back, so I need to wait if the check is fake. 

Second call is XX/XX/year>, I told Chase representative I want to report scam, I got a fake check, then was requested to pay by XXXX. The representative said the check fund is still available, there is nothing I can do. 

Third call is XX/XX/year>, I discovered the check amount {$1700.00} was returning to Chase, and the representative can confirm it's a fake check. I asked how about two payment by XXXX was scammed on XX/XX/year>, the representative said the chance to have my money back is 50 %. 

I believe Chase did not take care of my scam case in a timely manner, because I called them immediately after I discovered I was scammed, they told me to wait, but can not guarantee to help to get my money back. 

I told Chase how my scam happened as follows : On XX/XX/year>, I signed a lease agreement with a potential tenant called XXXX XXXX, she provided me her ID and a bank statement. Then she said her boss will pay her first month rent, then her boss sent me an E check from XXXX XXXX, the amount is {$1700.00}. I remote deposited the check, then got an email from Chase said the fund is available {$500.00} immediately, then available {$1200.00} on XX/XX/year>. She said the amount includes mover 's expense, she needed me to pay the mover twice by XXXX, then I keep my first month rent. But the next day ( XXXX ), the scammer asked me to help her to pay more money, I refused it, then she said she will cancel the lease agreement. I called her, she never answered my call. Her boss also texted me to send him money back electronically, I said I can only mail a paper check, he threated me he will dispute it, I said the E check fund is not guaranteed, it will be reversed back if any issue happens, then he never answer back. On XX/XX/year>, the E check was verified fake by Chase bank. In short, I didn't not keep my first rent, but was scammed {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Bank of America numerous times about the 2 fraud credit card accounts and they have yet XXXX XXXX amount XXXX and XXXX XXXX amount XXXX. I have tried to dispute these accounts and reached out to card company they refuse to remove them from my credit! I need help
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and the most recent one here in 2024. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously. I also need the negative remarks for open accounts to be removed, as I have been making all my payments on time recently.
Product: Credit reporting, credit repair services, 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 has violated my rights. 

Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights. 

Account name : XXXX XXXX, Account Number : 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 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 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 XXXX XXXX XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XX/XX/XXXX # XXXX Account Name XX/XX/XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XX/XX/XXXXXXXX Account Name : XX/XX/XXXX# XXXX Account Name : XX/XX/XXXX # XXXX Account Name :XX/XX/XXXX XXXX Account Name : XX/XX/XXXX# XXXX Account Name : XX/XX/XXXXXX/XX/XXXX# XXXX Account Name : XX/XX/XXXX XXXX Account Name : XXXXXX/XX/XXXX# XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : Bankruptcy # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXXXX/XX/XXXX MOR - XX/XX/XXXXXX/XX/XXXX- XX/XX/XXXX 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

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 USC 1681.

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 1681 s-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. 


Aidvantage student loans- Account number- XXXX
Product: Mortgage

Subject : Deed in Lieu of Foreclosure, XXXX, XXXX XXXX, XXXX, CA XXXX Bank of America Loan # XXXX have been assisting The XXXX family on a Deed in Lieu of Foreclosure since XX/XX/XXXX. Wth the advise of customer service from Bank of America I pulled comps and found XXXX lot that sold for XXXX so I proceeded to list the land for XXXX for the 90 days that was advice given to me. We never received a single inquiry on the land for the 90 days. 
on or about XXXX I started getting email communications from XXXXXXXXXXXX requesting many documents which the seller provided. On early XXXX I received a call from a XXXX XXXX, an appraiser from XXXX CA. After going to property he called me and said the property may be unbuildable due to a deep crevice dissecting the lot in half. He said the value is XXXX not XXXX and not the XXXX they paid for it. So I was advised to do a modification of terms on XX/XX/XXXX and changed the list price on XXXX for XXXX. I have yet to get an inquiry on the property. During XXXX XXXX XXXX said she contacted us that the Deed in Lieu of was denied. The XXXX and I received nothing via mail or email regarding the denial. We are requesting a deed in lieu of because, # 1 they no longer can afford the payments and # 2 the value of the property is XXXX and they still owe XXXX. They developer has not completed the improvement on the land as promised. I called the company and they do not answer the phone. Please help this family out and investigate Bank of America 's procedures. XXXX XXXX, XXXX # XXXX
Product: Checking or savings account

Someone opened a chime account using my PII without my knowledge or authorization. Chime would not share any details with me unless I provided my PII which I refused. It began on XX/XX/. 
XXXX ) XX/XX/XXXX  email from : XXXX " Your card is on the way '' They sent a debit card with a coupon slip with my name and their bank account routing and checking - set up as a payroll deposit slip for me to sign - I saved the card and letter 2 ) XX/XX/XXXX  email from XXXX - " Set up direct deposit '' - asking me to click through to set up my direct deposit account 3 ) XX/XX/XXXX  email from : XXXX - " password associated with my chime account has changed '' 4 ) XX/XX/XXXX  email from XXXX - " phone number associated with my chime account has changed to XXXX. 
5 ) XX/XX/XXXX  email from XXXX outlining what I need to provide ( PII ) to get any information on the account that was set up- I had sent several emails to inform Chime that this was fraudulently set up with my PII.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was informed from my bank XXXX XXXX XXXX XXXX XXXX ) that I had a transfer that went through from Zelle, Only issue is I never signed up to use Zelle, I don't know a XXXX  XXXX  and I never authorized a transfer of any funds through Zelle. I contacted zelle. they told me to speak with the bank. I changed all my accounts and got new debit cards through XXXX XXXX  the next day. I was refunded the money through XXXXXXXX XXXX but they charged me for the problem 30 days later. I ended up loosing {$950.00} in the process. They said that the call came from my phone and I tried to prove to them that I never sent any text message authorizing any transfer of funds but they denied it. I fought this for 14 months and they refused to correct the situation. I filled out police reports and Online Identity Theft to fix the situation but these were all dead ends.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that my credit score dropped as of XX/XX/XXXX because of an inquiry on my credit report. I did not authorize such a request, nor have I made any recent major purchases, etc. that would have triggered it. 

XXXX sent me an email today, XX/XX/XXXX with the following information : ===== Moments ago, someone requested access to your XXXX credit report. Access was denied because your report is locked. The requester has been identified as : CAPITAL ONE XXXX CAPITAL ONE XXXX, VA XXXX ====== I intend to contact Capital One for more information, but wanted to ensure CFPB was aware of this instance. Thank you for your help.