23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX on XX/XX/XXXX, contacted me about the Debt, on Behalf of XXXX XXXX belonging to a Company Similar to my Name. 15 USC 1681n, verified to XXXX XXXX whom I am on XX/XX/XXXX. Alerted them this was my XXXX  Account as verified by the IRS, and Pursuant to H.R. 10222 XX/XX/XXXX, the Universal Declaration of Human Rights Articles 1,2 & 8, 15 U.S. Code 1681, The Homestead Act, Social Security Act 1935, Articles of Confederation 1777 ( organic constitution ). PUBLIC LAW 97-258-SEPI. 13, 1982 96 STAT. 918 1305 ( 3 ) 1306-use of foreign credits PUBLIC LAW 97-258-SEPI. 13, 1982 96 STAT. 943 3113-Accepting gifts PUBLIC LAW 97-258-SEPI. 13, 1982 96 STAT. 945 3123-payment public debt PUBLIC LAW 97-258-SEPI. 13, 1982 96 STAT. 980 5103-legal tender PUBLIC LAW 97-258-SEPI. 13, 1982 96 STAT. 985 5118-Gold clauses & consent to sue PUBLIC LAW 97-258-SEPI. 13, 1982 ( d ) ( 1 ) & ( 2 ) " obligation '' 96 STAT. 986 ( b ) ( 1 ) " notes issued '' PUBLIC LAW 97-258-SEPI. 13, 1982 96 STAT. 995 5312 ( 1 ) - Financial Agency PUBLIC LAW 97-258-SEPI. 13, 1982 96 STAT. 995 5312 ( 3 ) ( B ) - Monetary Instrument PUBLIC LAW 97-258-SEPI. 13, 1982 96 STAT. 1046 9301 ( 2 ) - government obligation PUBLIC LAW 106-386-Oct. 28,2000 114 STAT. 1467 ( 13 ) -involuntary servitude PUBLIC LAW 106-386-Oct. 28,2000 114 STAT. 1469 ( 2 ) ( c ) ( ( 5 ) ( a ) ( b ) ) - coercion PUBLIC LAW 106-386-OCT. 28, 2000 114 STAT. 1469 ( 4 ) -DEBT BONDAGE PUBLIC LAW 106-386-OCT. 28, 2000 114 STAT. 1486 1589-forced labor PUBLIC LAW 106-386-OCT. 28, 2000 114 STAT. 1488 1592-unlawful conduct/documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax I recently received a copy of my credit report and I notice there is ( are ) credit inquiry ( s ) made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand you are not legally allowed to put an inquiry on my file unless I have authorized it.
Product: Checking or savings account

I found the dispute because I had phones fraudulently taken taken out of my account they refused to give them back to me because they were taken by an ATM I have no idea if my card was copied or if my somebody used my card since I have lost it they all hold me responsible because I did not put a freeze on my card prior to making my dispute with them I did not to touch these funds they were taken out in XXXX when I live in XXXX XXXX and I was sitting at home working as a caregiver taking care of my XXXX brother I have put in a police report and youre still holding me responsible they keep telling me to give them new information give new information Ive given them my time cards that I was on the clock and I was at home Ive given them the police report number I have given them history transactions that show I do not do transactions in XXXX I feel like the next thing they want for me is my boy yeah hold me responsible for the tune of {$340.00} on my checking account plus another {$140.00} on a credit card that took place in XXXX to the same company which is chime bank
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT Recognize these credit inquirys and I have asked to be removed and the bureau did not do what I asked because they are inaccurate and not yours. 

I am providing IDENTITY THIEFT REPORT AND I would like them removed because they are inaccurate.
Product: Debt collection

I have spoken to Franklin Collection SV at XXXX located at XXXX XXXX XXXX XXXX, XXXX, MS . They filed a collection 's notice on my credit report for {$150.00} for a debt I do not owe. I disputed the amount directly with XXXX XXXX  and made it clear to Franklin that I have disputed the amount and that I did not owe the amount. This is the second time they have hurt my credit standing due to a false credit report being filed. I am in the process of buying a property so this false report has harmful impact on my ability to buy a property. XXXX XXXX  is in the wrong and Franklin Collections has systematically hurt my personal credit. I am also very concern given my identify has been stolen once that this agency has access to my social security number without my knowledge.
Product: Credit card or prepaid card

I don't have all the details about the account. The Bank is Regions the account was opened some years back by a female acquaintance at I had at the time I was unaware of the account and filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon. my complaint is in regards to the XXXX XXXX XXXX account they have listed on my credit files. This account continues to be verified as accurate when in fact the information across all three bureaus is inconsistent. If this account was being properly investigated then the information should be consistent and correct. i have highlighted the inconsistencies and inaccurate information in my attachment to this complaint and detailed them below at the end of this complaint. i did not dispute that the account is not mine, i disputed that the account information posted to my credit files is inaccurate and inconsistent. Furthermore this account was charged off, therefore a 1099 was filed with the irs by XXXXXXXX XXXX and to date i have NOT received a 1099c from XXXX XXXX for which i am due in order to file my taxes. This account being charged off and filed with the irs by XXXXXXXX XXXX is now taxable income for me and income is not to appear on my credit files! im requesting that due to the credit bureaus negligence to properly identify and verify the information before it is placed on my credit file that this account is removed from my credit reports immediately because this is a violation of my fcra rights. 
INCONSISTENCIES found on " verified account '' : Account type : XXXX XXXX XXXXXXXX secured cardXXXX XXXX XXXX XXXX XXXX XXXX  : XXXX {$3000.00} XXXX $ XXXX {$2000.00} Credit limit : XXXX $ XXXX $ XXXX XXXX {$0.00} Date last active : XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 Date of last XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX
Product: Debt collection

My name is XXXX XXXX address of old address is XXXX XXXX XXXX XXXX Tx XXXX. 
New address is XXXX XXXX XXXX XXXX Tx XXXX. 

Received a bill for collection. 
It's for company XXXX XXXX IN THE AMOUNT OF {$48.00} THIS WAS PAID DURING THE TIME OF ASKING FOR SERVICES TO BE DISCONNECTED DUE TO MOVING. I PAYED MY LAST BILL AND TURNED IN MERCHANDISE. 


REFRENCE # XXXX ACCT # XXXX
Product: Debt collection

the main reason for this complaint is to let our state attorney and the ftc before it go to federal court ; two collection companies is reporting accounts that's been reported by the original creditor as paid in full.as you can see by the reports that's sent with this complaints the company ; lvnv funding is reporting a paid in full account # XXXX by XXXX XXXX XXXX.which stated a paid in full account.amount XXXX The company ; XXXX XXXX asso.is reporting account XXXX in the amount {$390.00} amount paid XXXX XXXX.the only reason those two collectors is reporting false billing on a XXXX years old person is hate and that will go into court with me.If those companies is not willing to move this trash from my credit report.this date.
Product: Credit reporting or other personal consumer reports

In XXXX, someone tried to open a credit card with Bank of America in my name. 

In XXXX I followed Bank of America 's policy to request a copy of the application, following the FACT ACT 151 procedure. I sent an application and a photocopy of my drivers license. They say the mailing never arrived.

I tried again using certified mail. This time they acknowledged receiving it, but inform me that the photocopy of my drivers license was missing. So I should try a 3rd time.

Someone in their mailroom is obviously stealing the drivers license photocopy. I'm trying to deal with attempted identity theft, and I'm being required to do something incredibly unsafe, namely mail a photocopy of my drivers license to a XXXX XXXX  . 

Bank of America insists that no other process for proving my identity is possible. They don't care that they have someone stealing IDs. They don't care that they are flouting the FACT ACT by refusing to comply. I have no reason to believe that trying again will solve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$49.00} XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : $ {$2100.00} ; XXXX XXXX XXXX Balance XXXX {$120.00}.
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 XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and delete these immediately 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 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. 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 XXXXXXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXXXXXX 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 XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a debt validation dispute and it has been way past the time legally alotted and havent had any response yet. 

Original sent XX/XX/21 Sending second validation request XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Account XXXX was charged off as of XX/XX/2019. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding, charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a dispute to Experian regarding an unauthorized XXXX  XXXX XXXX account # XXXX. Experian has thirty 30 days to respond or delete the item. They have not done so.
Product: Debt collection

I contacted the company when the {$760.00} dollar debt appeared on my credit as an alert from Jefferson Capital Systems. I called their phone number and they couldnt tell me where the debt was from. I called XXXX and they stated XXXX was the original owner, I have not had a {$760.00} anything with XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified the company that the information being reported was not mine.
Product: Credit reporting or other personal consumer reports

there is a fraudulent inquiry in my report. you are violating my right of not reporting correctly per FCRA. remove it now. 

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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I called Transunion after I purchased a credit report from XXXX XX/XX/2022. 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, NY XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 accounts 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 account 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 Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts are inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to request my annual credit report today and it will not work. After further research, I believe it may be because the addresses I've put in. I have moved around a decent amount in the last few years and can't seem to get any of the addresses I give to verify my identity enough to get the information. Is there some way I can still do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

My truck was broken into XXXX years ago, and my computer bag, laptop, passport, and other documents were inside. Shortly after that, I became plagued with identity theft fraud. Someone opened up a business account and or loan with XXXX XXXX under my name. I have submitted documentation to the bank regarding the fraud, and to date, it has not been rectified. I am requesting for the account to be deleted from credit bureau reports and for collection activity to cease and desist.
Product: Debt collection

The debt collector is LVNV FUNDING LLC, XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Original creditor I got a card that had a limit of {$300.00}, they charged me {$2.00} which put it over the limit of {$300.00}. 
Over the 2 years i have had it has gone up to {$750.00} and is on all my reports. 

Open balance This account has been on my credit for years, i have had it removed many times, buy they keep putting it back on
Product: Checking or savings account

On XX/XX/XXXX my debit card number was used to make several fraudulent purchases online at XXXX XXXX in XXXXXXXX XXXX XXXXXXXX purchase was for {$XXXX} and another for {$XXXX}. Also on this same day my cellphone service was fraudulently changed from XXXX XXXX XXXX to another carrier. I had no service for the whole day. I called XXXX XXXX XXXX and found out what had happened and immediately got my service turned back on. During the time my cell phone was changed to new carrier someone was able to move money around in my different accounts with Wells Fargo. I have their mobile app and online banking. They took money out of all the savings accounts and moved it to the checking account that is tied to the debit card with the fraudulent charges. I immediately called Wells Fargo fraud department and reported everything. They opened a claim. I visited my Wells Fargo branch as soon as possible and sat down with a representative who assured me that I did not need to change my account and I just needed a new debit card. After XXXX  days Wells Fargo refunded the stolen money back into my checking account. I visited my Wells Fargo branch again and sat with the same representative. She now said that I need to change my accounts before they could let me back onto online banking. I did as they asked. On XX/XX/XXXX Wells Fargo took back the money they had provisionally given me and said that they could not prove fraud. No one had ever called to talk to me about it or get any more information from me. I have called XXXX XXXX and found that the address for the orders was in Florida. I have documentation from XXXX XXXX XXXX showing that my phone was hacked. I thought your bank was supposed to help you in these situations. {$XXXX} dollars is not a lot to most people but it is a lot to my family. This has caused us to be late on bills and cost a fortune in late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor access my credit report with a hard inquiry without my knowledge or consent
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to complaint XXXX. The reporting agency is stating that they need 60 days to complete the investigation. " THE FRCA states that the reporting agency must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesn't happen, the bureau is then in violation of the FCRA. 

As such, I request that the incorrectly listed late payment from XXXX # XXXX be immediately deleted from my credit report. Not doing so is in direct violation of the FRCA guidelines
Product: Credit reporting or other personal consumer reports

Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I visited a XXXX store on XX/XX/year> and received a receipt validating all equipment has been returned and there is no outstanding debt.
Product: Checking or savings account

On my PNC account I had made a payment for my rent, was already posted and a day later they reversed my payment of rent and took money back from a claim that they ended up denying! This occurred XXXX XXXX which led my rent not being paid! Im stressed and couldnt even see that coming since I originally paid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct the status of these accounts : XXXX XXXX XXXXXXXX Balance {$220000.00}, XXXX XXXX  XXXX Balance {$720000.00}
Product: Debt collection

I have been a victim of Identity theft since XX/XX/2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!
Product: Vehicle loan or lease

I am a federally protected consumer and conducted a consumer credit transaction with Capital one Auto finance and XXXX XXXXXXXX XXXXXXXX XXXX XXXX. 15 USC 1605 states The finance charge is the sum of all charges and I was charged illegal additional fees including a down payment