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

XXXX submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX & XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX =======TRANSUNION XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : ROUND 1 ( Items for dispute ) Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Late Payment : XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Personal Info : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, CO XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX, CO XXXX Name : XXXX XXXX XXXX Name : FANNY XXXX Former : XXXX XXXX
Product: Debt collection

I owed the original creditor, XXXX XXXX, a total of XXXX for a former account. XX/XX/XXXX, I made a payment of XXXX. This was updated on my credit report. On XX/XX/XXXX, I made a payment of XXXX. Both payments were made directly to XXXX XXXX. I have disputed the balance owed on this account multiple times to XXXX XXXX  and XXXX. Transworld is the collection agency contracted to collect the debt continues to report a balance owed of XXXX. I called Transworld on XX/XX/XXXX and was told that XXXX did not notify them that the second payment had been made. I called XXXX on XX/XX/XXXX and spoke with a XXXX who informed me that the balance is XXXX On XX/XX/XXXX, XXXX contacted Transworld and informed them that the balance is XXXX and to remove it from the credit report. I followed up with Transworld today and spoke with XXXX XXXX ( agent idXXXX ) and was informed that their records show that I owe a balance of XXXX. I called XXXX again and asked for the CEO 's email address as I needed to escalate the matter. I was then told by a rep who worked for XXXX that they would notify the collection agency that the account was not only paid off but they would request to have it removed from my credit report. I feel that I have done my due diligence in taking care of this matter but it is still adversely affecting my credit.
Product: Credit card or prepaid card

I contacted Bank Of America and notified them that I did not apply for a credit card. 
The application was submitted on XX/XX/2021. The Bank told me that they will reject the application. The ref : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was opened in XXXX and shouldve been close in XX/XX/XXXX and has still not been removed off of my credit! I demand it be removed off my credit as soon as possible thank you
Product: Checking or savings account

They closed my account and they kept my XXXX dollars, because it looks like a customer 's account was stolen, but I didn't know this, they scammed me too. Those who have to ensure that the client 's account is safe are them, the banks
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$170.00} ; XXXX  XXXX XXXX Balance : {$450.00} ; XXXX  XXXX XXXX Balance : {$260.00} ; XXXX  XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im looking to improve my credit scores from last year and looking to buy a home. but these factual errors and multiple duplications and my credit report is not been removed. I want these collections and incorrect informations removed from my credit report, and I demand a Validation of these account. Otherwise delete these collection FCRA Violation. 

1.Correct name And Addresses Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Incorrect Addresses on my Equifax file. Attempted to remove this but Equifax not removing Addresses that are not mine - FCRA Violation. 


XXXX - Not mine Never opened Close this account. Multiple attempts to dispute. Not mine, Remove this account from my credit report XXXX, Equifax and XXXX. 
{$0.00} Closed Unknown payment history Account number XXXX XXXX. Not My Collection Remove it From my Equifax account Original creditor : {$53.00} Account number XXXX Not my Collection Remove from my account Immediately- FCRA Violation, Factual Validation, FDCPA Violation- Remove this account From my account. 

Original creditor : {$75.00} Account number XXXX Original creditor : {$250.00} Account number XXXX Original creditor : {$130.00} Account number XXXX XXXX XXXX  Original creditor : XXXX XXXX {$380.00} Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$97.00} Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$260.00} Account number XXXX XXXX, Not My Inquiries- FCRA Violation - Remove From my Credit report. 
7 inquiries These lenders have accessed your credit file : XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX, Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX  Credit Unions XXXX XXXX XXXX All Banks XXXX XXXX XXXX All Banks XXXX XXXX, Miscellaneous Reptg. Agencies XXXX - CARD XXXX XXXX Credit Card Cos. 


Not my collection. FCRA Violation, Not mine never mine. 
XXXX XXXX LP Original creditor : XXXX XXXX  {$380.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$250.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX {$380.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$130.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$97.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$260.00} Balance updated XX/XX/XXXX Remove these Hard Inquiries from my credit report XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Not my name Remove these names from my account. From Equifax XXXX XXXX XXXX XXXX XXXX Not my name FCRA Violation remove these name from my XXXX credit report Addresses 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.
Product: Payday loan, title loan, personal loan, or advance loan

I challenged this account in the past with the CRAs and the direct furnisher to get this account removed off my consumer profile due to all the inaccurate information that was being reported with this account. This company has violated a lot of U.S. Codes and Regulations Laws, Federal Laws, State Laws, committed perjury and Tax Fraud with what they have reported and furnished to the CRAs. I reached out to Self Financial Institution on XX/XX/24 in regards to this erroneous account still being in their system and notified them that this account is being challenged due to the status of the account. Self Financial Bank defined the status of this debt as a charge off account, which indicates this account as income. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Canceled or Charge off is Income. The reporting of this account as a debt is inaccurate.

if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. failure to be compliant with my request and remove this account goes completely against the laws of Regulation B and the state and federal Laws that 've been set in place for the protection of consumers. I need this to be resolved expeditiously.
Product: Credit reporting or other personal consumer reports

I pulled a credit report in some credit cards are on my report that I have no clue aboutXXXX XXXX for XXXX. XXXX for XXXX. XXXX  XXXX for XXXX. Jpmcb for XXXX. And a car loan for XXXX. I have no clue about these accounts
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name, 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: Credit reporting or other personal consumer reports

Hello, my information was sold to Lakeview Loan servicing from XXXX bank without my consent. Furthermore, after requesting documentation I realized my information has been sold again from Lakeview Loan Servicing to XXXX. My initial understanding was that both companies were the same company. Not XXXX debt XXXX. My loan never went into collections with XXXX which from understanding XXXX is a debt collection agency. Also I received my XXXX this year to pay taxes to file. Only to receive a letter from the IRS stating that my information was incorrect within my city taxes and {$800.00} would be withheld. My credit report has been ran at least 3 times and still has yet to provide proper validation of debt. According to my promissory note my debt is with XXXX XXXX. 12USC1431, 15USC1681,
Product: Credit reporting or other personal consumer reports

Hello, I previously submitted a complaint on XX/XX/XXXX2024, complaint id XXXX. Transunion had been reporting a XXXX account that I requested a validation of debt, which I did not receive. Two different account open dates are also showing on Transunion and XXXX. 

The accounts were deleted from the Transunion database within a couple of days. The accounts are now appearing again in the Transunion datebase. 

Below is what I have previously submitted to both Transunion & CFPB around XX/XX/XXXX I will also upload the files. 

XXXX XX/XX/XXXX2024, I mailed out a letter to XXXX XXXX asking for a correction of error. I was requesting that XXXX XXXX  provide documentation that this account belongs to me. The package was received by XXXX XXXX  on XX/XX/XXXX 2024. 

There was no response from XXXX XXXX. On XX/XX/XXXX2024, I sent Transunion a letter requesting that the XXXX XXXX  account be removed from their database. 

As of today XX/XX/XXXX2024 XXXX XXXX  account remains in the Transunion database a clear violation of the FCRA. I was told by a Transunion representative that the XXXX account had been verified.

How so if I received nothing in the mail validating the debt from XXXX XXXX? How is the account verified by Transunion without XXXX XXXX  providing a time stamp or return receipt of the validated debt sent to me within 30 days?

As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, creditors are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report.

I am including PROOF that each creditor received the notification more than 30 days ago and DID NOT respond nor did they remove the item ( s ) listed on my credit report.

Also, I noticed that XXXX XXXX  has reported the account to multiple credit bureaus with different account " Open Dates ''. A FCRA violation, ( proof included ) ***
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : XXXX Reported : XX/XX/XXXX sum of {$4800.00} Closed XXXX  XXXX Reported : XX/XX/XXXX is reporting {$0.00} and Closed XXXX XXXX Reported : XXXX. XXXX, XXXX is reporting {$0.00} and closed XXXX  Reported : XXXX. XXXX, XXXX is reporting {$0.00} and closed XXXX Reported : XXXX XXXX, XXXX is reporting {$0.00} and closed XXXX XXXX FIN Reported : XXXX. XXXX, XXXX is reporting {$0.00} and closed XXXX  XXXX Reported : XXXX XXXX, XXXX is reporting {$0.00} and closed XXXX Reported : XXXX XXXX, XXXX is reporting {$0.00} and closed XXXX Reported : XXXX XXXX, XXXX is reporting {$0.00} and closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX sum of {$870.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX sum of {$230.00} Needs Attention Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. As I am sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to XXXX XXXX activity until the debt is validated.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan at Southern Finance XXXX XXXX XXXX, XXXX, GA on XX/XX/XXXX with XXXX for {$1700.00} Contract # XXXX. She asked my Name, SS #, address, Phone Number, etc. and what kind of Car I drove. Once the application was completed she asked that I move to another cubicle to view the contract on another computer screen so as to sign it as she scrolled through it rapidly. I asked for a printed copy. She said we could do it on line. I since have found out she listed my Automobile a XXXX XXXX XXXX XXXX XXXX on this loan in the Security Agreement, turning it into an Auto Loan where I applied for a Personal Loan. This Auto is financed at XXXX XXXX XXXX XXXX who holds the title. She has created a XXXX mortgage on my automobile. I met with XXXX XXXX Branch Manager 3 days ago and she would not remove the Auto from the loan, or reissue the citing I could only have XXXX loan with them. She was incredibly difficult to deal with. I called their home office at XXXX speaking with XXXX filing a report on this XXXX mortgage auto loan created by their branch who refused to remove my Auto from the personal loan I applied for. He said I would hear from a Regional Rep in a few days. 
These people would steal your eye balls from your sockets while you talked to them!
Product: Credit reporting, credit repair services, or other personal consumer reports

As part of the Equifax settlement, I signed up for a free MyEquifax account. For the last four days, I have been trying to log into that account. Every time, it says, " We are temporarily unable to complete this request. Please try again later. '' There is no discernible way to ask for support on their website, so I went to their XXXX page. A private message went unanswered, and a public post was deleted. Finally, just to add insult to injury, Equifax keeps sending me e-mails asking me to upgrade to a paid service. I want to use the free service that was promised in the settlement. 

Thank you.
Product: Debt collection

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
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX XXXX Experian will investigate this account for me to ensure accuracy Here is the accounts I am asking you to verify as accurate : CREDITORS NAME : XXXX XXXX XXXX XXXX  Account number : XXXX XXXX. CREDITORS NAME : XXXX XXXX  Account XXXX XXXX. CREDITORS NAME : XXXX : ( Original Creditor : XXXX XXXX ) Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I attended a XXXX XXXX XXXX XXXX XXXX XXXX and received a loan through Monterey Financial. Upon enrolling and paying for the school I was promised job placement as well as proper certifications and training from the school. I did not receive any of what was promised and was instructed by the owner who no longer owns the school to stop paying the loan they would take care of it. They did not. Now the school is closed down and there is no information to be found on how to contact them anymore. The school shut down due to not following through on agreed services that were included with the class.
Product: Credit reporting, credit repair services, or other personal consumer reports

Americollect Inc # XXXX is reporting a debt that is in violation of my 30 day right to dispute. I recently called to settle another debt and was NOT informed about this new collection. If I had been I would have settled it. This is erroneous on their end and they are in violation of my 30 day right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00}
Product: Prepaid card

XX/XX/2016, I purchased a {$200.00} U.S. Bank MasterCard prepaid gift card at a retail store. I immediately brought the card home and kept it secured in my home. 

On XX/XX/2016, unbeknownst to me, my card was debited {$160.00} for an online payment to XXXX power company. I did not authorize this charge. I do not and have never lived in California and have never had an account with XXXX. In fact, as of XX/XX/XXXX, I still had not ever used my card and it was still secured in my home. No one else had ever seen my card or card number except for me. 

On XX/XX/2016, I was preparing to use my card for the first time and checked my balance online. I then discovered the XX/XX/XXXX unauthorized {$160.00} debit. I used the remaining {$37.00} on my card and then called U.S. Bank to dispute the {$160.00} charge. U.S. Bank asked me to submit my dispute in writing and I promptly did so ( Exhibit 1 ). 

On XX/XX/2016, U.S. Bank wrote back asking me to submit additional information to process my claim ( Exhibit 2 ). I promptly provided this information ( Exhibit 3 ). 

On XX/XX/2016, U.S. Bank wrote back stating that the funds were withdrawn in error and that the funds would be returned to me : " We found that an error did occur and are closing the claim in your favor. A credit of {$160.00} will be made to your account on XX/XX/2016. '' U.S. Bank further stated, " The claim is closed and the credit is considered final. '' ( Exhibit 4 ) Despite this final notice from U.S. Bank resolving this claim in my favor, the funds were not returned to me. On XX/XX/2016, I called U.S. Bank to ask why my funds still had not been credited to me as promised. XXXX, a U.S. Bank phone representative, stated that after sending the XX/XX/XXXX letter to me, U.S. Bank reversed its " final '' decision and now would not release the funds. U.S. Bank had never notified me that it was still holding my funds and that it in fact would not release them, and could not tell me why this final decision was reversed. 

In summary, I disputed an unauthorized charge on my prepaid gift card and U.S. Bank made a " final '' determination in my favor and promised to return the funds to me. Despite this final determination, U.S. Bank is still refusing to return the {$160.00} to me. I request that U.S. Bank return these funds to me, preferably in the form of a check since I do not want to risk these funds remaining on a U.S. Bank gift card.