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

XX/XX/year>, I submitted a dispute to Transunion Credit Reporting Agency concerning the reporting of a false and illegal account from the company known as XXXX XXXX XXXX the company is falsely listing a account to my credit profile with Transunion this account i have no knowledge of nor have i ever been under contact or under any agreement with the company listed above. i asked Transunion to properly investigate the matter of which the company failed to do so
Product: Credit card

XXXX XXXX I became a Victim of Identity Theft. I notified Chase on XXXX XXXX, 2023 I was a victim of Identity Theft and I did not authorize a transaction of {$1200.00}. XXXX XXXX, 2023 I completed a police report and final narrative by the reporting officer and submitted to Chase. XXXX XXXX, 2023 I received a fraud alert text from Chase regarding charge and asking me, " Is this you? ' I replied, " NO. '' XXXX XXXX I received an email from Chase stating my credit card was successfully unlocked, per my request. I replied, " I didn't want it unlocked, I want it locked, I am a victim of Identity Theft, I need my account/profile/card Locked. Chase is saying the IP address used to complete the transaction is my IP address. I did a search on the IP address Chase gave me and the message showed : this site can't be reached, ERR-CONNECTION_FAILED. I submitted my IP address, which is NOT the one they said is mine. I provided complete documentation according to dates, transactions, name fraudster used, dates fraudsters attempted transactions, email addresses fraudsters were using to make transactions, phone # 's fraudsters were using, I provided Chase with dates & types of cards fraudsters were opening up in my name, I provided several information with dates fraudsters were using my name to apply for several types of loans, I can not believe this has continued since XXXX, 2023 with all the information/documentation and Police Report I provided. I also, forwarded an email from the Reporting Officer where he said, " I made it clear you are the victim. '' Chase continues to allow this transaction, which is making me more vulnerable and many other people by accepting this transaction from fraudsters.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX account XXXX Account : XXXX XXXX XXXX account XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX5 U.S.C 1681 section 602 A states I have the right to privacy and confidentiality under 15 usc 1681 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 crime 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
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX  XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile.

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX CA, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth.

A recent utility bill confirming my current address.

A copy of my Social Security card verifying my SSN.

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report.

Update my credit profile with the correct details listed above.

Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX acct # 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: Debt collection

On XX/XX/2022 I received an email from XXXX notifying me of a change in my credit score. I immediately went to the XXXX site to find out what was going on. There is a claim of a debt to a company that goes by the name XXXX XXXX XXXX XXXX XXXX XXXX The collection is for {$390.00}. I have no idea who this company is. However a company called *Pro collect Inc. is the collection agency reporting it. I called that company and they made false statements to me on the phone and referred to me by my maiden name. I have gone by my married name for close to 20 years now, so I knew this was connected to fraud and identity theft. The agent claimed they had been in communication with me for the last 5 months. None of that is true. I've never spoken to anyone from Pro collect Inc. Upon some digging into the company that is claiming the debt is mine, I pulled up a site with the name XXXX XXXX which is located in XXXX XXXX. I have no connection to that country. It is supposedly a company that sells energy. Companies that sell energy don't sell to individuals, so the whole thing is absurd. Now the other name ; XXXX XXXX XXXX does not exist. There is an *XXXX  XXXX XXXX out of Texas. I called them and asked if they had any existing accounts under my information. The agent said no. I have never lived in Texas or XXXX XXXX. I strongly believe that *Pro Collect Inc* is facilitating this fraud and is a part of it. As their agent refused to listen to me and would not provide me with any proof of the debt from the original business. At this point I am trying to get this fraudulent collection removed from my credit report. I also strongly believe the collections agency needs to be federally investigated as they appear to be involved with the fraudulent charge/collection. XXXX XXXX was supposed to dispute this but appears to have done nothing on my behalf. I filed a police report for fraud/identity theft the day I received the email per XXXX suggestion. Also forgot to mention, I have never received anything in writing from Pro Collect Inc. or the original debtor. Nothing in the mail from either. I don't believe they have my address.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file. 

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: Debt collection

Yesterday ( XX/XX/XXXX ) a lady named XXXX called my parents who lived in another town ( XXXX ) asking about my whereabouts, saying they were trying to get a hold of me in order to serve me. I called XXXX using code XXXX and they said they were trying to collect a debt from Capitol One from XX/XX/XXXX. They said I have 48 business hours before in goes to court and that I owed {$1800.00}. I didn't recall this account and currently have an active account with Capital One. I told the, XXXX would do some research and call her back. I also asked for an email to be sent, which they did send. I called Capital One who directed me to another company which had the old account and they didn't see that the account was given to a law office. They also had never heard of the law office : Whitesonandassociates.com. This company sent me a letter to my email. The company information is as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, CA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report erroneous information on my credit report and will not allow my dispute to be processed. Transunion has removed these accounts as they were deemed fraudulent. XXXX has violated the FCRA by continuing to have this information on my report remain. The following accounts are not mine and no proof has been provided to show they are my accounts : XXXX XXXX # XXXX**** XXXX # XXXX XXXX XXXX XXXX # XXXXxxxx
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of this bankruptcy on my credit report. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Product: Debt collection

Midland Funding, LLC, committed multiple violations in the collection of debts ; - I was sued by Midland Funding, LLC, without providing required Original Account Level Documentation ( OALD ), filing false affidavits, and without notification of the lawsuit. On XX/XX/XXXX, I was sued for the amount of {$4200.00} and on XX/XX/XXXX, for the amount of {$2300.00}. On XX/XX/XXXX, I then requested by Certified Mail that Midland Funding, LLC, provide me OALD to verify both debts which Midland Funding, LLC, failed to respond. 

- Midland Funding, LLC, then attempted to seize my property on XX/XX/XXXX, by placing an order for garnishment of wages. On XX/XX/XXXX, and on XX/XX/XXXX, attempted to seize personal property by recording judgment liens. 

- Midland Funding, LLC, on numerous occasions used communication tactics of verbally abusive phone calls, making false statements, misrepresentations of the amount owed, and threatening to take negative legal actions they had no right to take. 

- Midland Funding, LLC, continues to falsely report to all three Credit Bureaus even after I made multiple disputes in writing that they refused to properly investigate. This has significantly damaged by Credit Score, resulting in me being denied on mortgage refinancing loan applications. Attempted to resolve matter over the phone where Employee demanded {$7200.00} be paid immediately or threatened further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed XXXX, Experian and XXXX XXXX of my address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I also informed them of my employment, which is XXXX XXXX XXXX XXXX XXXX. 
On numerous occasion I have tried to informed these companies that the information listed must be corrected. 
I have not been successful as of yet.
Product: Debt collection

I was XXXX in XX/XX/2013. Was seen in XXXX Hosp. ER. The hospital failed to send bills to Workman 's Comp. They had the info when I was seen. Now I have collection agency bothering me. I spoke with collections and explained that these were not my bills. I gave them the name and phone number of the payor. These still sit on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX 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 602 B states 2 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Mortgage

I started a refinance on a current XXXX Mortgage. I was approved for the loan and was told that everything would go fine since I was refinancing a current XXXX. Then I was told I had to get a property survey and pay for it out of pocket, the cost was {$2400.00}. I had to use my emergency funds for this survey, then they said it didn't give them the information they needed. They wanted the 100 year flood level. They made me do the research for this information, I contacted the Attorney General 's and was told that this information is not available. XXXX, who does flood zones has the area of where I live under Flood Zone D, it has never been mapped. 

They then would not fund the loan and the reason that was given was I didn't meet the income. This is what shows on my credit report, the real reason was because I was unable to give them information that doesn't exist. 

On top of that they are not willing to reimburse my out of pocket expense. They have been holding {$11000.00} of my money in a trust account for property taxes and homeowners insurance. The only money that has been used out of this account has been for the insurance. I am exempt from property taxes as I am a XXXX Veteran widow. They say they can't reimburse those funds even though they don't pay any property taxes out of it.
Product: Checking or savings account

The bank refused to review my documents. 
I have everything and provided to the bank. 
I ask to review and open my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY
Product: Credit reporting, credit repair services, or other personal consumer reports

Its effecting my score n lowering my score with so much inquiries of things I never applied for .Remove off credit.
Product: Student loan

From approximately XXXX while attending the University XXXX XXXX XXXX  XXXX XXXX XXXX ) I borrowed money to attend college at XXXX. I believe that these were XXXX guaranteed student loans. 

Now, all of these records are missing from my credit bureau reports. The loans were taken out at the Bank of America XXXX XXXX loan department. All of these loans were forgiven, but I want payments on the loan reflected on my credit bureau report, because these loans and payments were a material and significant financial event. 

I have had no help about this matter from the Bank of America. The loan check ( s ) were deposited into my checking account at the XXXX Branch of Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my credit report I found several I found several fraudulent accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there also several fraudulent hard inquiries which includes XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Charged Off ) MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed several fraudulent accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to all of these collectors asking for anything thing with my wet signature and none of them were able to furnish anything I signed. I have reached out to them THREE times in writing asking them to remove these fraudulent accounts from my report and haven't gotten a response. It have been over 90 days. The fraudulent accounts that I noticed on my report are listed with the amounts, account numbers and name of collector below : XXXX ) XXXX XXXX account XXXX Date Opened : XX/XX/XXXX amount : {$410.00} XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account number : XXXX Date opened : XX/XX/XXXX amount : {$1500.00} XXXX ) XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX ) account XXXX XXXX XXXX Date Opened : XX/XX/XXXX amount : {$8200.00} XXXX ) XXXX XXXX account number : XXXX Date Opened : XX/XX/XXXX amount : {$600.00} XXXX ) XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$600.00} There were also a stream of inquires that I didn't notice from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had to take multiple payday loans and installment loans, five in total, to help out my family which was going through tough times. I do want to pay it off as soon as possible but interest rate and payments every two weeks taking out of my checking account making it impossible.
Product: Credit reporting or other personal consumer reports

I entered into an SBA loan in XXXX of XXXX in the amount of {$350000.00}. The loan facilitator was XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL. In XXXX of XXXX I filed XXXX XXXX personal bankruptcy and lost my business. In XXXX of XXXX the bankruptcy was discharged. After a couple of years of grinding I was able to salvage my credit. I sold my house and entered into an agreement for a construction loan with XXXX XXXX XXXX in XXXX Arkansas. They pulled my credit report and other than the bankruptcy showing up, it was fine. We knew the Bankruptcy would be there. We entered into an agreement for construction in XXXX of XXXX. XXXX of XXXX I get a call from XXXX XXXXXXXX XXXX  asking if I had taken out an SBA loan. I said no, but I had one that was included in my bankruptcy. They advised that the SBA has reported an outstanding debt on my report. I began the process of trying to have that removed from my report because it was included in the bankruptcy. After months of no satisfaction, XX/XX/XXXX I retain my bankruptcy attorney to assist. My attorney contacted SBA and was told that they can confirm it was a mistake and it would be rectified on the next reporting cycle. It was never rectified. We attempted to contact the SBA again about it, but our contact is not responding to us. XXXX I submitted a formal complaint to the bureaus. The results came back as accurate. Knowing its not accurate on XXXX I uploaded the supporting court documents and submitted them online and by regular mail. It wasn't long after that that the report was corrected. Then in early XX/XX/XXXX I received notice that derogatory reports had been made to my report. I looked it up and the SBA had AGAIN reported the loan as outstanding. On XX/XX/XXXX I submitted my dispute with the documentation and again it came back as accurate. It's definitely not accurate. I think the mistake is in the fact that the facilitator XXXX XXXX XXXX and the SBA used different account numbers for the same account. It's probably internal only for them but it's causing me problems. I need this removed from my report as it was most definitely included in the bankruptcy and XXXX XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been disputing a XXXX auto with XXXX for some time now. This account is past the statute of limitations for California XXXX 7 years from XXXX, which is XXXX ) XXXX  and XXXX have followed the FCRA and removed the account but XXXX  refuses. I spent over XXXX hour on hold to be told they could do nothing more then dispute it which I have done XXXX times over the last 2 years. XXXX is violating the law by updating the XXXX to XXXX, which is incorrect as I have had XXXX communication with this company since XXXX. XXXX tells me that they can only go by whats reporting and XXXX is not violating any laws by doing so. I have applied for a home loan and was denied do to the XXXX account and the XXXX balance owed. Please help me rectify this situation as they are clearly breaking the law.
Product: Payday loan, title loan, or personal loan

Purchased items however refused certain items upon delivery. I returned 2 end tables in the amount of XXXX each ( 2 ) and XXXX  in the amount of XXXX. I was informed only credit for the amount will be of the items. However, the contract will not change.
Product: Debt collection

Received medical bill for {$50.00} by Professional Recovery Consultants for a debt that does not belong to me. ( XXXX XXXX XXXX ) let this be notice that this is an attempt to dispute this debt attempting to be collected as not belonging to me nor valid.