23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I hold XXXX fully responsible for this derogatory collections on my credit report with Experian. They failed to provide proof of this debt and failed to place a dispute on my credit report ( by means of a letter which was sent certified on XX/XX/2016 ). This was for account # XXXX. On XX/XX/2016 I sent a letter regarding the claim and charge off on my account. I requested validation of this account ( by means of a second certified letter XX/XX/2016 ) and none was given as well as they did not place a dispute by consumer on my credit report. XXXX as not sent the appropriate verification by the FCRA section 609 ( A ) ( 1 ) ( A ). Then XXXX has not responded to any of my inquiries since XX/XX/2016. I would like this to be removed from my credit report or I will file a lawsuit. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, According to my XX/XX/2022 XXXX XXXX  credit report you are *still* reporting inaccurate information and refuse to fix this - even though I have filed numerous complaints. 

TransUnion, you are *not* properly investigating these and I demand that you do. 

Attached to this complaint is : - my drivers license - my social security card - my mailing address - my long and detailed written complaint - my complete XXXX XXXX  report dated XX/XX/2022 You need to have these accounts removed immediately as you are reporting them inaccurate and refuse to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to TransUnion regarding XXXXXXXX XXXX XXXX it's gotten hard inquiries that was fortunately placed on my credit report I have had Had problems in the past with this issue and identity theft my emails have been found on the dark Web And despite my letters amd emails/phone calls to transunion they refuse they refuse to remove hard inquiries. And/or supply me with proof that such inquiries are verified it it has been months they are not willing to work work with me these these false reports on my credit credit report is causing great hardship It's harboring me to obtain financial opportunities that may help me provide for my family TransUnion has a total disregard for the federal trade act and ignore ignores any XXXX XXXX  sponsors that I submit I approve of satisfying mail and also emails that I have sent to TransUnion for the last 3 months months with no relief in sight please help
Product: Credit card

American Express keeps pulling my credit report without permission. I paid off the account balance & closed the account so that they no longer will & make negative claims to XXXX XXXX or XXXX. I have never been late & I want them to be honest to credit bureaus that that there is no critical account status. My XXXX Honors credit card was a grievious experience because of consistent professional bias & racial harassment.
Product: Credit reporting or other personal consumer reports

I have just obtained a copy of my credit report and noticed the following errors. XXXX ) XXXX XXXX XXXX XXXX ACCT # XXXX I do not have a contract with this company. Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within XXXX  days of disputeit has been XXXX months! XXXX ) XXXX  XXXX ACCT # XXXX, This is an inaccurate account and needs to be DELETED from my credit report as soon as possible. Section 604 15 US Code 1681 B states nothing should be reporting on my report without my written consent! This is another violation. I have attached documentation as from the fraudulent collection response STATING TO HAVE THIS DELETED as soon as possible.
Product: Credit reporting or other personal consumer reports

I am requesting full documentation of my account under FCRA 609. If you can not provide my original signed contract and proof that I opened this account, I demand its immediate deletion.
Product: Credit reporting or other personal consumer reports

Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act.

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ).

Thank you for your attention to this matter.
Product: Credit card or prepaid card

OK HAD LEFT AN ACCOUNT GO DORMANT THEN I NEEDED CLOTHES FOR MYSELF AND MY VETERAN PARTNER XXXX XXXX  ANYWAY THEY LET SALES GO THROUGH I SENT BACK THROUGH CERTIFIED MAIL A LARGE BOX OF RETURNS FOR THEM THEY DO NOT CREDIT ME AND I AM NOT PAYING THEM THEY CLOSED OR DIDN'T CLOSE OR I CLOSED I FEEL AWHILE AGO. 

IT IS THE MOST FREQUENT CALLER OR PUPPY SELLERS IDK
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT FROM HYUNDAI MOTOR FINANCE. PARTIAL ACCOUNT # XXXX OPEN DATE XX/XX/2015. THIS ACCOUNT WAS OPENED WITHOUT MU CONSENT. I HAVE COMPLETED AN IDENTITY THEFT REPORT, BEEN DISPUTING THIS WITH XXXX
Product: Checking or savings account

My bank, USAA, closed my account and charged off my credit with no warning or reason given for the closure of my account. Furthermore, they asked me to write a letter explaining my problems ( losing my job and XXXX XXXX issues ) only to find out there was never any way to reopen that account. They continue to negatively affect my credit while not giving me any recourse for paying off my remaining credit card debt and sending me to collections if my payment is only 1 day late. I feel as though I am being discriminated against because I am struggling financially. USAA continues to give me no reason for the closure and generally treats me like trash when I attempt to gain insight into the issue. I was a USAA member for 17 years! They email me things saying they will support people during these times, but none of these services have been applied to me. I would like some assistance in fighting this and repairing my credit. Again, I feel like this is unnecessarily being done to me, and I still to this day have no idea why my accounts were closed. I don't have any documents or dates at this time as I am displaced during the virus but I can share those at a later date.
Product: Debt collection

Calls every single day from multiple phone numbers. Calls from unknown phone numbers up to 6 times in a row. Extremely harassing. Portfolio recovery is the name of company
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Due to XXXX XXXX XXXXXXXX XXXX XXXX XXXX Under FCRA Dear Equifax, I am writing to formally dispute several entries on my credit report that I believe to be the result of unauthorized activity linked to the widely publicized XXXX XXXX XXXX and a subsequent XXXX XXXX These breaches have compromised my personal information, leading to inaccuracies and fraudulent entries in my credit report. 

The specific items in dispute are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute information on my credit report that I believe is inaccurate or the result of identity theft. Additionally, under Section 605B of the FCRA, if an identity theft report is provided, consumer reporting agencies are required to block the fraudulent information from the credit report within four business days of receiving the request. 

Enclosed with this letter, I have included the following documents to support my dispute : A copy of my government-issued identification. 
An Identity Theft Report, including a Federal Trade Commission ( FTC ) affidavit and a police report documenting the breaches and the identity theft. 
Evidence of the XXXXXXXX XXXX XXXX and the XXXX XXXX which compromised my personal information. 

I hereby request that you : Investigate the disputed entries on my credit report. 
Remove or correct any inaccurate information resulting from the identity theft associated with the XXXXXXXX XXXX and the XXXX XXXX 
Provide me with a copy of my updated credit report once the investigation is complete. 
Block any fraudulent information from reappearing on my credit report as mandated by the FCRA. 

Please confirm in writing that you have received this dispute and provide a timeline for the completion of your investigation. If these items are not removed, I may consider pursuing further legal action to protect my rights under federal law. 
I expect your prompt attention to this serious matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, 2022 I logged into my Bloomingdales account online and it said there is an issue with my account and for me to call. I called the number displayed and all I get is a bunch of run around. They keep playing we will send you letter with a code in it game. Now i am not going to keep playing these childish games of account holds without explanation and then want to send letters with codes. Im not going through this everytime something arises with this company. My phone number of XXXX is on the account and I own the phone number through XXXX as I have the last 17 years now. I am self employed as well so the number may appear publicly as The XXXX XXXX XXXX or XXXX XXXX XXXX. The number is mine and this letter game stops now. I have attached my phone bill to show proof that this number is mine and to knock the nonsense off. Further denial to my account when i call in or asking for letters with codes will result in legal action. This has gone far enough. I have had to provide codes from letters almost 3 seperate occasions now. If the phone number on my account is the number im calling from, then use it and stop playing games. I was out of town that weekend of XX/XX/XXXX22 and if I didnt have other credit cards to use then i would have been XXXX because this company doesnt care. I tried explaining this to the rep and she didnt care to hear. Most credit card companies resolve any issue right there and then on the phone and not hindering a consumer from using thier card. This is a complete disgrace and they need to come up with a better procedure then this.
Product: Credit reporting or other personal consumer reports

This account and inquiry are not mine they was made without my permission, consent. Inquiry and account XXXXXXXX XXXX XXXXXXXX Account Opened : XX/XX/ is and are fraudulent and according to The Court FCRA this account violated my rights in many ways this account is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 XXXX which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX sent me a credit card via US Mail, in which I did not authorize or activate. When I called them to close this account, they closed the account and reported it to all 3 credit bureaus dropping my score in the low XXXX 's from over XXXX. I worked with XXXX XXXX to correct this issue however they have refused to fix the issue. 

I DID NOT authorize the opening of this account, therefore the entry on my credit report is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey Good evening, So I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report.
Product: Credit card or prepaid card

Discover keeps sending me " pre-approved '' offers, falsely making me believe that the application is just a formality. When I submit the application, they decline it and in the process they damage my credit score. Similar to the " dark patterns '' of which XXXX XXXX was found guilty. 
And then on top of that, they KEEP sending me these offers.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ) 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: Money transfer, virtual currency, or money service

Zelle Banned me through XXXX XXXX, I always used to use zelle for payments, receiving and sending. Someone tried to scam me and report me to zelle saying they wanted there money back that they sent. If you know zelle there is no payment protection, its only used for Family and friend payments but the buyer insisted we used it because that was his only payment available. Anyways zelle reached out to me and told me that my account had been restricted due to the complaint from the other party, ive called numerous times about it and they said that there is nothing they can do and that its permanent. Last time i had access to zelle was in 2020.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ORIGINAL CREDITOR : XXXX XXXX XXXX BALANCE : {$13000.00} According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt. This is a time-barred debt. Please remove this account from all three credit bureaus. 

Pursuant to the attached documents, page 4, the highlighted section, the date of commencement to collect this debt was XX/XX/2015. Once again, according to Cal. Civ. Proc. Code 312 et. seq. this account has passed the fouXXXX years Statutes of Limitations to collect such debt.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX  /Account Number : XXXX Account Name : XXXX XXXX / Account Number : XXXX Account Name : XXXX XXXX XXXX / Account Number : XXXX Account Name : XXXX  XXXX / Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX / Account Number : XXXX Public Record : XXXX XXXX Bankruptcy / Refence Number : XXXX The accounts and public record listed above 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: Student loan

On XX/XX/2020 my neighbor XXXX XXXX was contacted by a debt collector of mine. Pioneer Credit Recovery contacted him and asked if I, XXXX XXXX lived next door and a few other random questions. She left a number to call back which is XXXX and a reference number XXXX. The representatives name was XXXX XXXX. 

Regardless if I owe them money I do not think its lawful for them to contact a neighbor, relative or anyone other than MYSELF!! 

The original lender is from XXXX  Corporation and this Pioneer Credit Recovery is a subsidiary of theirs. 

The total amount owed on this loan isnt anything substantial so why in the world would they make it my neighbors business! The amount left to pay is {$320.00}. 

Please let me know if theres any other info you might need! 

Thanks
Product: Checking or savings account

I am writing to formally request the removal of my name from the check systems maintained by your organization. 

I recently discovered that my name is still listed in your database, and I believe this may be an oversight or an error. As a responsible account holder, I have diligently managed my financial affairs and maintained a good standing with your company.

I kindly request your immediate attention to this matter, as having my name inaccurately associated with any negative information can have adverse effects on my financial reputation. I am confident that the issue can be resolved swiftly and without any complications. 

Enclosed with this letter, you will find relevant documentation that supports my claim and verifies my credibility as a trustworthy customer. I kindly ask you to review this evidence and initiate the necessary steps to remove my name from the check systems promptly. 

Please confirm receipt of this request and notify me in writing once the removal process has been completed successfully. Additionally, I would appreciate any further information regarding this matter and any steps I need to take to ensure its resolution. 

Thank you for your prompt attention to this matter. I look forward to a timely response and a resolution to this issue.
Product: Money transfer, virtual currency, or money service

I bought cryptocurrency through venmo they let me buy the cryptocurrency sell the cryptocurrency but now they won't let me access the funds
Product: Credit reporting or other personal consumer reports

In late XXXX or early XXXX, my student loans transferred from one loan servicer - XXXX, to a new loan servicer - XXXX. However, after many disputes with credit bureau, Experian, multiple calls to XXXX, as well as XXXX and Dept of Education, my student loans are still showing open with a balance with XXXX, which is incorrect. Both XXXX and XXXX are correctly reporting on my XXXX accounts as " closed, transferred to another servicer '', but Experian is having trouble confirming this with XXXX. Due to this issue my student loan balance on my Experian report is reflecting {$150000.00}, when the correct amount is only {$80000.00} in which I am currently making payment on. 

I've submitted disputes with Experian, per XXXX 's direction on the following dates, all resulting in the same result of the loans still showing open with balances : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - provided very detailed information, including a loan summary from my XXXX account, showing a {$0.00} balance. 

As I already briefly mentioned, since late XXXX I have made countless calls to XXXX, XXXX, Department of Education, and Experian to try and resolve this issue. This is causing a hinderance in purchasing a home for my family.
Product: Mortgage

I got a mortgage loan with Chase Bank. Although Chase Bank continues to service my loan, my loan was sold to XXXX XXXX. The customer should be notified when a loan is sold. A loan ownership transfer notice should be sent to the customer. I never received any notification from Chase Bank or XXXX XXXX. The Attorney Generals Office stated that I should have received notification. Chase Banks response was they are not required to provide notification for a change or an assignment of a loan investor. There is a law about this and Chase Bank and XXXX XXXX either do not follow that law or are unaware of it.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has repeatedly failed to investigate and remove fraudulent accounts and outdated personal information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). These inaccuracies are a result of identity theft stemming from the XXXX data breach. 

The fraudulent accounts that remain on my Experian credit report are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened fraudulently without my consent. Both XXXX and XXXX have already investigated and deleted these accounts from my credit report. However, Experian continues to report them as " verified, '' without providing proof of a proper investigation or any supporting documentation. 

Additionally, Experian has failed to remove outdated and fraudulent addresses associated with these accounts, including : 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 These addresses are not mine and are directly tied to the fraudulent activity. I have provided Experian with updated government-issued identification and documentation proving my claims, yet they continue to refuse to act, obstructing my ability to repair my credit profile.

Experians failure to investigate and correct these inaccuracies has caused harm to my creditworthiness, emotional distress, and financial opportunities. Their negligence violates the FCRA, which requires credit reporting agencies to conduct thorough investigations and remove unverifiable or inaccurate information.