23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

This is getting ridiculous. Equifax sent a correspondence claiming to have concluded the investigation for my dispute against the said debt purported by XXXX XXXX as valid. I have submitted copies of all my letters to XXXX initiating billing disputes. XXXX XXXX has violated the Fair Credit Billing Act. At best, this matter boils down to a billing dispute initiated by me before voluntarily canceling my service. XXXX has yet to acknowledge my billing dispute and just keeps sending me unaltered copies of the final bill. It 's like I 'm " talking to a brick wall. '' This is willful ignorance. I use plain, straightforward language in my correspondence, and I 've submitted it to Equifax, XXXX and XXXX. XXXX XXXX has unlawfully reported this account intending to affect my credit rating and willfully reported me as delinquent. This is grossly inaccurate. I have submitted a request for full disclosure of the investigative process carried out by Equifax to verify said debt, and sent a copy of the letter to XXXX XXXX corporate headquarters in New Jersey. I have filed an FTC complaint against XXXX XXXX. 
XXXX XXXX has committed several violations of the FCBA and FCRA, including but not limited to, threatening my credit rating, reporting me as delinquent, willfully failing to acknowledge my billing dispute, failing to apply/post credits, charges for goods and services you did n't accept or that were n't delivered as agreed, and unauthorized charges for data when I only agreed to start service under the promise of an unlimited data flat rate plan for XXXX phone line. Equifax has equally violated laws protecting against that to which I 've been subjected because they have failed to decide this matter according to law. My documents clearly show that I have initiated my billing disputes timely and properly. The mere submission of a bill statement from XXXX is legally insufficient as peremptory evidence that the XXXX account balance is accurate. That just gross bias. My documentation is not being taken seriously. My complaints are not being taken seriously and meanwhile XXXX XXXX is still wrongfully report me as delinquent and has never even so much as acknowledged my billing dispute.
Product: Checking or savings account

So I had numerous of issues with my account I had my wallet and phone that was stolen I had money that was withdrawn from my account, I previously disputed this and I was told there was some fraud and weird XXXX links that had for my pin and card information and that when I saw money taken out and also they I did report my card stolen before and I feel like customer doesnt want to help me to have my money back to my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account # XXXX opened XX/XX/XXXX. 

XXXX XXXX  account # XXXX opened XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Inquiries to be deleted listed below : XXXX XXXX XXXX XXXX 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

Experian has a ongoing issue of not updating my correct address I have hade to pay people to help me with this before however it cost me allot of money Experian seems to go out of there way to cause chaos and have no fear of doing so when I try to dispute this issue myself the online system ask me security that make no sense and can not be answered correctly and a screen come up saying unable to complete please fax your dispute to this number
Product: Debt collection

Hello, This complaint is for Experian regarding the FRAUDULENT ACCOUNT XXXX XXXX XXXX Simple ( account number XXXX ) that has been placed on my credit report illegally. I have never done business with ( XXXX XXXX XXXX and this account must be removed because it is made my life extremely difficult. By being stuck with higher interest rates, fewer loan options, and also hindered my housing. I need it removed immediately. I have contact Experian 30 days ago to remove this account and Experian have no responded back to me about this matter that holding me back to prosper in my life that should not be there in the first place. Legally they are obligated to respond within 30 days and Experian have not done so. The XXXX account in question have been opened at the time I lost my wallet and many other forms of identification. This is Identity Theft. I would highly appreciate if CFPB assist in getting this fraudulent account removed so I can get back to my life as it were before the traumatic incident. 
Thanks
Product: Credit reporting or other personal consumer reports

The following Discover Account # XXXX for balance of {$7.00} was disputed and still showing on my credit report. This account was charged off and still shows a past due balance on the account. That is a violation if this account was charged off was cxl there should be no balance reflected on my credit report a charge off means the debt was cancel. This is reporting negatively on my report and is affecting my score please delete off my credit report due to reporting inaccuracies and per U.S. code 1681 ( c ) please update and delete. I sent various letter and sent many disputes this company does nothing was updated. Thank you
Product: Checking or savings account

{$5900.00} was withdrawn from from my account on XX/XX/2024 without my knowledge. I reported to the company when I tried to make a {$400.00} withdrawal XX/XX/XXXX and have been given the runaround since. I've sent XXXX appeals to their dispute department and they are supposed to be checking on the situation. My last appeal was sent XX/XX/2024 and they told me they had 90 days to settle a dispute after the appeal was sent. 
My history with this company goes back at least XXXX or XXXX  years. My history shows {$400.00} withdrawals, never any point of sale transactions, never any transfers to other accounts. I do not know why they would allow this transaction without notifying their customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX, in fact natural person am contact Transunion a second time, demanding the removal of unverified information from my consumer report. The Fair Credit Reporting Act ( FCRA ), requires that credit reporting agencies such as Transunion properly verify the information being reported, and if such information cant be PROPERLY verified, then it must be removed. I sent in a notarized dispute letter to Transunion via certified mail on XXXX XXXX, return receipt requested -- demanding that you remove the disputed fraudulent accounts from my credit file. Transunion has failed to investigate my request or respond to me at all and is in further violation of 15 usc 1681i. Transunion has not removed the items and continues to be willfully in noncompliance with federal law and as a result, has caused harm to my reputation, defamation of character and mental & emotional abuse 15 USC 1692d and is now further criminally liable pursuant to 15 usc 1611..They are neglecting to resolve this matter. also, 15 USC 1681 ( c ) states that any accounts placed in collection as a result of fraud and id theft should be EXCLUDED from a consumer report and Transunion has violated me and has not responded to my request at all. My identity has been stolen and I did not give Transunion consent to score me or furnish authorized credit accounts to my report!!
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

My credit file was involved in multiple data breach including XXXX XXXX, XXXX XXXX, & equifax. I would like my credit files removed by law.
Product: Money transfer, virtual currency, or money service

Multiple times I have been unable to send or receive money from specific people, leading to cancellation and refund
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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

In accordance with the Fair Credit Reporting act 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 instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act AD 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 instructions In accordance with the Fair Credit Reporting act 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 instructions In accordance with the Fair Credit Reporting act 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 instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 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 instructions
Product: Bank account or service

I'am complaining about this rushcard problems I need my money, lost my apartment and card because I ca n't access my account for a whole week I'am XXXX sick of this mess
Product: Checking or savings account

{$1.00} amount I want to ask for help so I can claim the remaining money in the discover savings account that has been closed without notification.
Product: Debt collection

I recently dealt with  XXXX   XXXX  removing information from all  XXXX  credit agencies which they followed however the sold my contrac t to Deville  asset management who are not bonded in the state of texas to collect debt so i ask that this be removed from all  XXXX  credit agencies as well or uf bonded and just not updated on the state of texas sec please send me copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a car loan early, to American Honda Finance ( AHF ), via an online payment ( ACH ) of {$3400.00} approximately, from my XXXX XXXX XXXX checking account on XX/XX/XXXX. Per XXXX XXXX XXXX ( BAC ), they were noticed by AHF that an online payment could not exceed {$3000.00}, so a check needed to be sent for the payoff amount. This check was sent on XX/XX/XXXX In the full amount to address and account Number given by AHF to XXXX. On XX/XX/XXXX, AHF returned the check to XXXX. AHF also sent us the car title, indicating the loan was paid in full. Then, AHF proceeded to bill us, without notice, for 2 months and late fees. We received a negative credit report from XXXX XXXX this weekend and made inquiries. We immediately paid the full balance again ( on XXXX ) via phone call with AHF, from our BAC checking account to AHF. AHF accepted the payment ( now with a larger payoff amount ), removed the late fee, and refused to remove the negative reports they sent to the credit unions without proof from BAC of the returned payment. The original XX/XX/XXXX payment receipt and reversal is reflected on the AHF account online for our account. XXXX worked with us this evening to call AHF to resolve what happened and get whatever documentation AHF needed to remove the negative credit report. AHF refused the call, saying we would need to call another number tomorrow morning for the Customer Service department. At what point does AHF or BAC become responsible for fixing our falsely reported credit gap? Also, at what point, does either Financial institution become responsible for contacting us, as both entities have our home address ( we got the title in XXXX from AHF to our home address ), our email address ( they have on file ), or our phone number? We are so very frustrated and angry about the number of calls, the bad credit score ( drop Of 125 points ), and still unresolved problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Fl XXXX UNAUTHORIZED USE OF CREDIT REPORT Im filling a complaint because Ive noticed trans union is reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to report anything without my consent let alone obtain, furnish, and report completely false and inaccurate information. I've even called quite a few times stating the violations and was given the response that their was nothing that they could do about it.This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining XXXX percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly. 

Best Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was written from a lady named XXXX XXXX  the house that I was living it was falling apart Places inspection was involved they came out to the house numerous of times I was told by my lawyer XXXX XXXX to put all money in XXXX  its a repairs of the house was fixed we didnt have to go to court XXXX XXXX your name is XXXX XXXX the judge ruled out that it would be settled in court as a satisfied judgment meaning I did not have to pay and there will be no evictions however XXXX XXXX Took it upon herself to put a eviction on my credit report when my lawyer reached out to him about that he then tried to put in a dispute on XX/XX/22 however the eviction still did not come off my credit I did reach out to TransUnion and TransUnion rental to let them know and I also submitted documentation that I have to TransUnion and TransUnion Rental they told me they are aware of the mistake however the eviction can not come off my credit Im not understanding why the eviction is not able to come off my credit when they see that its a mistake and I have documentation stating that its a mistake in an error I would like for this eviction to be removed off my credit as soon as possible when applying for a house or a mortgage the house and mortgage company can see that there is addiction not a judgment and not satisfied so I would like you guys to Take this mistakenly eviction off my credit report
Product: Credit reporting or other personal consumer reports

I am filing this complaint because have had to request the removal of this account from my Experian credit report, as it does not belong to me. I have never resided in the state where this account was created, nor have I ever utilized their services or incured a debt owe of {$XXXX}. Despite providing documentation to the other credit bureaus on multiple occasions, I have had to repeatedly request removal of this account debt as well removal of incorrect information of residence ( which both were filed the first time in XX/XX/year> to present day ) until it was finally deleted from XXXX other credit bureaus as well as this one. However, this account continues to appear on my Experian credit report after previously being removal. I recently submitted another request for removal, ( as well as disputing information again with Experian ) yet it still appears on their report yet again. I possess documentation from the other credit bureaus, as will as repeat removal from this and my other credit bureaus account, to demonstrate to Experian that this is not my account and should be removed yet again. can attached if deem with necessary documentation to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and to whom this message may concern, The credit bureaus ; XXXX, XXXX, & Equifax stated my account was properly investigated but how is that possible if across my credit reports I still have inaccuracies : Personal Information - x XXXX inaccurate errors - Spelling of Name - Also Known As - Date of Birth - Current Address - Previous Address Debt Collection Agency XXXX XXXX CO XXXX x XXXX inaccurate errors - Account Type Detail - Monthly Payment - Balance - No. of Months ( terms ) - Past Due - Payment Status - Last Reported - Comments - Date Last Active - Date of Last Payment - XXXX Year Payment History ( XX/XX/XXXX - XX/XX/XXXX ) This is grounds for liability and/or removal. 

I wanted to reach out and get support for a remedy. These actions have stifled my ability to purchase a home and created multiple instances of inaccurate and defamatory account reporting against me. Every month from XX/XX/XXXX up to the present, I have been contacted by this debt collector and none of the bureaus supported my equitable action as required by law and use of diplomatic request to remove the inaccurate information being reported on my credit report. 

XXXX has been aware of this dispute regarding the accuracy of this information since XX/XX/XXXX at XXXX PM with XXXX tracking # XXXX. 

XXXX received the notice of personal information update from me on XX/XX/XXXX at XXXX PM with XXXX tracking number # XXXX. 

Equifax received the notice of personal information update on XX/XX/XXXX at XXXX PM with XXXX tracking number # XXXX. 

I have not received any information back from the agency or any of the bureaus regarding this. In the included PDF is evidence that I had made the effort to resolve this issue on my credit report without undue stress or drama but this XXXX XXXX CO or the credit bureaus have yet to follow the law! I'm reaching out to you for help because I understand that you can assist me in this matter.
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX  and XXXX XXXX XXXX  for code of ethics violations.