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

In XX/XX/2021, I noticed several inaccurate, fraudulent, erroneous, and false entries on my XXXX XXXX and TransUnion credit reports. I have made direct disputes with the creditors, but with no success. I have notified the credit bureaus directly and requested for the items to be removed. All three bureaus have failed to act within the time frame the law allows. At the present time, each bureau is in clear violation of the laws of the United States, and specifically the Fair Credit Reporting Act. I wish to have the fraudulent items removed from my credit reports, immediately. In the event the items are not removed I intend to initiate a small claims lawsuit as well as lodging criminal charges against the credit bureaus.
Product: Debt collection

Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. This account is not mine and belongs to another person this account information is wrong I have a letter from the creditor that states I do not have a balance due but instead I have a XXXX balance and did not have service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Accounts # XXXX, XXXX, XXXX, XXXX, XXXX 15 U.S.C 1681 SECTION 602 A states I have the right to privacy.

15 U.S.C 1681 SECTION 602 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX  XXXX Attn : XXXX, I received a notice that my accounts in good standing are being closed. I am requesting that these accounts be re-opened or allowed to remain open. I have held several of these accounts for years, and closing them will negatively impact my credit score. Additionally, I still actively use these accounts. 

A previous FTC report, which was filed in error, has now been corrected. 

The specific accounts I request to be corrected/kept open include, but are not limited to, the following : - XXXX # XXXX ( XX/XX/year> ) {$XXXX} - XXXX  # XXXX ( XX/XX/year> XXXX XXXX XXXX  # XXXX - XXXX  # XXXX Confirmation and updated evidence have already been sent to all reporting credit bureaus. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts Ive marked as inaccurate XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
Product: Debt collection

My late father, who died in XXXX, had 2 telephone line accounts with XXXX XXXX XXXX since the XXXX : a primary residence line and a secondary fax line for his at-home law business. I moved in with him to care for him as he became ill shortly before he died ; after he died I continued making the monthly payments for both lines, but I did n't need the secondary fax line anymore since I do n't use fax machines. Moreover, the fax line was disconnected by an XXXX XXXX XXXX XXXX technician who was trying to fix the primary phone line XXXX excessive static, dropped calls XXXX. I told the technician to just close the fax line account since it has n't been used for a couple of years since my father died. Then I called XXXX XXXX XXXX and told them to cancel the fax account & upgrade the DSL service on the primary line. But instead of closing the account, they just kept billing me for another 2 months. They refused to close the account & instead kept billing me ; for 2 years I paid every monthly bill even though I never used the fax line, and after the tech disconnected it, I closed it then stopped paying the bills. That is where the current debt originated, but it was only my father 's account all along since he alone signed the contract & he alone used the account. XXXX XXXX XXXX then reported it to the credit bureaus under my father 's name over 5 years ago. So not only is the debt not mine, but there should n't be ANY debt at all since I closed that account many years ago. 

Then, about 2 months ago I get a letter from a collection agency threatening to report me to credit bureaus if I do n't pay this debt. I call them, IC Systems, Inc., explain the above and they hang up on me after a heated argument. Then two weeks ago I get another letter offering to settle the supposed XXXX XXXX XXXX debt of {$280.00} for {$84.00}. And a week ago I get a credit alert that a new collection account has damaged my credit profile. So a debt that is n't even mine & is n't even legitimate is now ruining my otherwise perfect credit history. So I go to IC System 's website & pay the {$84.00} in order to end this nightmare & remove the fraudulent collection account from my credit report. But after I make the payment, a get a message from IC System that I still owe {$190.00} on my account!!!! Furthermore, the fraudulent account is still on my XXXX credit report doing severe damage to my credit score!!
Product: Credit card or prepaid card

I received a letter from discover, a company I have a card with. My first suspicion is that it was addressed with an outdated address that I changed last month. The letter from discover listed my name, previous address, and was dated XX/XX/XXXX. The letter is titled unclaimed property notice the state of New Jersey requires you to notify that your unclaimed property may be transferred to the state if you do not contact us then it listed a number XXXX. The logo on the envelope does not match the logo on the letter head. I verified with discover, through my app that the letter was not sent by them. The last page of the letter included a please complete and return this full page and then goes on saying ownership acknowledgment/ check request, an issue date of XX/XX/XXXX for {$200.00} requesting my name, current mailing address, city state zip, contact number and signature. The mailing address says to mail to : discover bank, escheat unit XXXX XXXX XXXX, XXXX XXXX XXXX, utah XXXX or fax to XXXX
Product: Debt or credit management

I started doing Lexington law around XX/XX/XXXXXXXX XXXX because i was trying to get credit cards and rentals and and car off my report since everything was so fresh i had to pay XXXX upfront then it went to XXXX payments of XXXX then XXXX payments of XXXX. Then every month afterwards was XXXX all the way up unto last year of XXXX when XXXX all of sudden came out in a lumpsum again and i closed my XXXX account of suspicious fraud activities never received compensation money lost bank account closed
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that you closed my complaint to protect my PRIVACY. I called XXXX, Experian and XXXX after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$25000.00}, XXXX XXXX  XXXX XXXX XXXX : {$31000.00}, XXXX XXXX  XXXX XXXX XXXX : {$44000.00}, XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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. A copy of my Driver 's License, Proof of Address and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by XXXX, Experian and XXXX not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to correct late open accounts on my credit report through Credit Bureaus. Despite my persistent efforts, the issue remains unresolved, causing undue stress and negatively impacting my financial standing. 

The continued presence of late open accounts on my credit report is not only inaccurate but also adversely affects my creditworthiness. I have attached supporting documentation for each attempt made to rectify this situation, underscoring the urgency and significance of the matter. 

I request your immediate attention to the following actions : Conduct a thorough review and correction of the late open account entries on my credit report. 

Provide written confirmation once the corrections have been successfully made. 

I understand the importance of accurate credit reporting and its direct impact on my financial well-being. Therefore, I expect a prompt and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to correct these late open accounts in my credit file : XXXXXXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$400.00}.
Product: Credit card

I held an unsecured credit card account with PNC Bank for approximately XXXX year. On XX/XX/2024, I contacted the bank to close the account. Despite multiple follow-up calls since then, as of XX/XX/2024, I have not received the {$1500.00} initial deposit I made. I am concerned about the delay and would appreciate prompt resolution.
Product: Credit card or prepaid card

I requested a credit limit increase with many federal and it was denied due to high balances. Decision was made after reviewing my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send out 2 section 609 letter but company never send proof has requested but keep reporting accounts on credit report inaccurate copy of letters According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately Name of Account Account Number 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 Thank you for your prompt assistance in this matter. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my TransUnion credit report and after reviewing the information, I noticed that Transunion have a bankruptcy listed on my credit report. This information was placed on my credit report in XX/XX/XXXX and have been on my file since then. I have disputed this information with TransUnion to get no response, or just completely ignore the fact that the information, is incorrect. TransUnion is in violation of Public Law 91-508-OCT.26,1970, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a The Bankruptcy Court has no interaction with credit bureaus, including XXXX, TransUnion, and XXXX XXXX The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. So how is this placed on my consumer file, since the court did not furnish this information to TransUnion. 

On XXXX XXXX I filed Complaint Number : XXXX to TransUnion, who replied stating that their is working on the file, and have determined that it is fraud. They never provided me a completed credit report, and or investigated the initial dispute regarding the bankruptcy on my credit report. They only replied that I am a victim of fraud see below for the company response and etc. 60 DAYS have passed they have failed to verify the information disputed, and fail to provide me an updated credit report. TransUnion is in violation of of Public Law 91-508-OCT.26,1970, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i. Please note that, I also contacted the court who provided me the letter attached to this second dispute.. 

This is the company response : We received your complaint about the items in your credit report and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. 
Potential fraud STATUS Company responded there may be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.
Product: Debt collection

On the XX/XX/24 EQUIFAX responded that XXXX XXXX XXXX   was deleted from my consumer report. EQUIFAX disregard of my federal protected rights continue to furnish said item on my consumer report without any prudent due diligence to verify said account. EQUIFAX is deliberately using interstate communications in a scheme of fraud using deception and/or enticements. Please see attachment! It's a screenshot of EQUIFAX stating said negative account is deleted. I continue to be given the run around and disregard of my federal protected rights. I will SEND THIS TO THE FTC WITH THE HELP OF CFPB. ONCE again I will resend last complaint to show that EQUIFAX AND XXXX XXXX XXXX  CONTINUE TO DISREGARD FEDERAL LAWS AFTER KNOWING WHICH FEDERAL LAWS THEY HAVE BROKEN. Last complaint : I been advised to give EQUIFAX 1 last chance to cure. I'm a federal protected consumer and my rights have been VIOLATED! I been dealing with this since XXXX. I been patient through the process, while I been giving the run around. I will have the CFPB send this to the FTC! So I want to be clear I do not want a statement stating we still working on it, and I do not want this is a duplicate or a simple account verified. I am asking and have been asking for the original wet signature contract between ME and XXXX XXXX XXXXXXXX I also want a copy of me given written consent to furnish ANYTHING on my consumer report. I'm also asking and have been asking for XXXX XXXX XXXX XXXXicense to collect a debt in XXXX, the date of the license and the name on the license. To be clear EQUIFAX and XXXX XXXXXXXX XXXX have not provided me said items, but yet furnish account on my consumer report which VIOLATES my federal protected rights. The following federal laws been broken : FCRA 609 and 605, as well as FCRA 623. On top of that 15 USC 1681a ( 2 ) ( I ) and 15 USC 6802. Also 15 USC 1692g. To be clear I asked EQUIFAX AND XXXX XXXX XXXX to provided said items above, which they have not. It does not end there. EQUIFAX is reporting late payments on my consumer report, which VIOLATES my federal protected rights 15 USC 1666b. I DEMAND IMMEDIATE PERMANENT DELETION!!! IF NOT CFPB WILL HELP WITH LITIGATION AND REPORT THIS TO THE FTC!!! 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 account # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX EMPLOYER : SELF EMPLOYED Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

Service was being interrupted for 3 months and they didnt know why and they couldnt find why. I was not on contract and was paying for 3 months with no service. I told them to cancel the service and they where supposed to do so and they didnt,
Product: Vehicle loan or lease

To Whom It XXXX Concern, I am writing to file a formal complaint against Suncoast Credit Union regarding their actions, which I believe constitute a breach of contract and securities fraud. My name is XXXX XXXX XXXX, and I am a customer of SCU. The property in question is A XXXX XXXX XXXX XXXX XXXX. I entered into a Auto loan contract with SCU on XX/XX/XXXX in good faith for an original amount of {$56000.00}. 
On XX/XX/XXXX, after reviewing my contract and have seen that SCU had broken several laws. I contend that SCU breached our contract on XX/XX/XXXX by fabricated bank credit by means of a journal entry onto their books while representing that they were loaning me money from an existing pool of capital. This action constitutes a failure to provide proper consideration, a fundamental requirement for any lawful contract. Therefore, SCU lacks the right to enforce the terms of my promissory note or claim title to the aforementioned property. It is fraud for any business to fabricate assets on its balance. 
While many companies have been able to get away with this for a time such as XXXX, XXXX, XXXX XXXX, and XXXX, investigation proves that the companies success was deceptive, a paper fabrication. I request that SCU present evidence that the bank credit loaned to me came from an existing pool of capital. If this evidence can not be provided, I request that the title be forfeited back to me and I have sent notice to Revote power of attorney by way of US mail to Suncoast Credit Union over my property. 
In closing, on XX/XX/XXXX, Suncoast Credit Union, entered into a contract without providing full disclosure of all the details of the loan agreement. I was never told by SCU that my wet ink signature was creating the credit on a open end credit plan. It is my belief that I was deceived and was given a deceptive contract with intentions of holding me liable for a financial obligation that is not reasonable or lawful.

I will agree to pay any financial obligation which I might lawfully owe, under the condition that you provide me validation of the financial obligation including all accounting information. You must provide me a copy of the contract with my wet ink signature as well as the other parties wet ink signature. It is my understanding that corporations cant sign a contract and I will not accept a third party signing the agreement on your behalf. You must provide me with the equal consideration of interest from both parties in this contract agreement, as well as lawful terms and conditions. 
I will not accept and agree to a contract if it is not lawful. 
Please note that sending a statement with payment transactions does not constitute as a binding contract agreement. 
XXXX XXXX XXXX Without prejudice UCC 1-308
Product: Credit reporting or other personal consumer reports

STILL WORKING ON THE ISSUE MEANS ABSOLUTELY NOTHING AS USUAL EXPERIAN IS LYING THEY RESOLVED NOTHING STILL WORKING ON STALLING AS REQUESTED FORWARDED TO F.T.C AND D.O.J