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

I am a victim of Identity Theft and Transunion is being negligent in aiding me in resolving these fraudulent accounts. I am attached my FTC report and documentation for Transunion to review.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXXXXXX reported to the credit bureaus that my account was closed on XX/XX/year> which is was not. In the response they sent to CFPB on XX/XX/year> they included statements showing that the credit line was open and had available credit. I have been disputing this with XXXX XXXX XXXXXXXX for 4 months and escalated this to CFPB on XX/XX/year> because the credit bureau Experian did not do their job. CFPB closed the case as satisfied to which XXXX XXXX XXXXXXXX showed negligent in their response by not changing the credit bureaus record update on reporting the account as closed. This inappropriate reporting harmed my credit by over XXXX points on all credit bureaus. It also caused my other creditors to reduce my lines of credit and or closures to lines due to the dramatic change on my credit score. Further causing more harm to my wellbeing.
Product: Credit reporting or other personal consumer reports

I have informed XXXX XXXX XXXX. The {$3400.00} account is not mine. I have informed portfolio recovery the {$460.00} account is not mine. The account with XXXX XXXX XXXX  is not mine. I have informed them multiple times a family member used my information to open multiple accounts. I did not find out they used my information until they were no longer living in my home and I have not been able to locate them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, which outlines permissible purposes of consumer reports. The inquiries listed below were not authorized by me and do not meet the criteria for permissible purpose as they did not involve any extension of credit or any other legitimate reason for accessing my credit report. 

The disputed inquiries are as follows : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I have the right to dispute the accuracy of any information on my credit report. These sections establish that : - **Section 611 ( 15 U.S.C. 1681i ) ** : Credit bureaus must investigate disputes filed by consumers.

- **Section 609 ( 15 U.S.C. 1681g ) ** : Consumers have the right to access information in their credit reports.

- **Section 604 ( 15 U.S.C. 1681b ) ** : Regulates the circumstances under which a credit bureau can furnish a credit report
Product: Credit card

I am a longstanding cardholder of a Capital One card. I transferred a balance from another high interest card to take advantage of a XXXX  % balance transfer offer. The details of the balance transfer offer are not visible on the Capital One app in account details nor the statements issued by Capital One. After looking online on my own several times I called and spoke to an agent. The agent kept answering my promotional balance question by telling me my current purchase APR, which was not my question. I waited on the call for 29 minutes and was asked a 3rd time to please hold while she attempted to figure out my rate on my current balance. At that point I requested to speak to a supervisor. I was explained that my 0 % APR expired on XX/XX/XXXX. I asked what year, to which she said this year. I indicated there was ZERO transparency as to the terms of the balance transfer anywhere on my account nor my statements offering me the opportunity to pay the balance off prior to being assessed interest. I was told they only disclose at the time you make the balance transfer. I have been in the financial industry my entire life and I am shocked that Capital One is able to get away with this complete lack of transparency causing a negative impact to financially responsible consumers. Further the lack of ability for a servicing agent to be able to easily identify that information for consumers is appalling.
Product: Debt collection

I was a authorized user on this account. I was not a co signer and they reported me to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX XXXX XXXX XXXX XXXX, it is saying that the account is delinquent when it has been consolidated and taken over by XXXX XXXX. This account is also 12 years old and it is closed so it shouldn't even be on my credit report anymore being that it is a very old closed account that was consolidated 4 years ago. I have disputed this account with XXXX XXXX XXXX and XXXX XXXX and Transunion on several occasions pointing out the errors and they refuse to remove the account. There are 4 XXXX/XXXX on my credit report that do not belong there. It says Chapter XXXX Wage earner account in the remarks, but I have been out of bankruptcy for 2 years and have paid off these loans with a consolidation student loan 4 years ago. Please remove the 4 XXXX/XXXX accounts from my credit report. XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX   XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I have dispute issues on Credit Report that was stagnating my growth... So I dispute the ( XXXX LVNV FUNDING L.L.C ) accounts and days later, ..They removed the XXXX accounts into collections after the dispute without looking into such matters ... and I also disputed with ( XXXX XXXX XXXX XXXX XXXX.THEY DENIED MY REQUEST and it remain on my report,,, without investing any investigation towards my matter... .I am Requesting for the Validation Contracts with my signature stating that I owe this Companies ... And asked Them.. Can they please remove off report... ( NO INVESTIGATION AT ALL ) .... 

Acct. # XXXX ... ( XXXX ) = $ XXXX # XXXX Acct. # XXXX ... ( LVNV ) XXXX # XXXX Acct, # Dispute # XXXX
Product: Debt collection

I disputed the information on my credit report because I have been relatively homeless 2014. I have been unable to sustain employment and am just getting back on my feet. I checked my credit because of potential housing and saw accounts that I didn't open. After disputing them with XXXX, I was told they were verified accurate. I don't even have an ID.
Product: Debt collection

I cancelled their service, and turned in all of the equipment on XX/XX/XXXX The balance is {$2900.00} I have requested they remove this collection on XX/XX/XXXX They have not removed the collection from my credit report. 
The collection company denied my dispute. 
The collection is to old to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account balance with the credit bureaus. Exeter refuses to update the correct balance. My Exeter account # XXXX is being handle by XXXX XXXX XXXX ( acct # XXXX ) for which I pay on every two weeks and payments are submitted to Exeter. My current balance is {$6500.00}. Exeter continues to report the credit bureaus that my current balance is {$9500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my report that do not belong to me. The first one is from BK OF AMER with the account number XXXX. The second one is XXXX XXXX XXXX with the account number XXXX. Third is XXXX with the XXXX account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the XXXX Credit Bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Verification Requirement ( 15 U.S.C. 1681i ) : The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted. 

XXXX. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement. 

XXXX. Re-Aging of Debt ( 15 U.S.C. 1681c ) : The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 1 day. 

XXXX. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.
Product: Debt collection

XXXX XXXX Account was opened on XX/XX/2019 XXXX XXXX I have never had an account On on XXXX credit buearus as a collection Amount {$2200.00}
Product: Mortgage

With a credit score of XXXX in XXXX, I bought a house in XXXX, Tennessee. I got my mortgage at Wells Fargo. in XXXX I had financial difficulties with losing my job. I had been trying to get a loan modification with Wells Fargo. they told me the process was longer than usual and to call back " next week '' I would call every Monday and I was told the same thing repeatedly. Call back 'next week '' I was told that it's in the process. After so much time went by, then I got a foreclosure notice! I lost the house I was trying desperately to save. I was put off so much that bank foreclosed on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my account i noticed that I have over 13 inquires on my report that dot belong to me. I have sent certified letters to the companies, as well as disputed them through TransUnion directly ad they have yet to be removed. These inquires are fraudulent and should be removed asap. I have even places a fraud alert on my credit file to prevent this from happening. please see the list of fraudulent inquires below.
Product: Checking or savings account

I had a checking account opened in my name at the huntington national bank in XXXX ohio. i have never been to ohio
Product: Debt collection

After reading and understanding my federal rights as a consumer. The FDCPA intends to secure consumer right to privacy, and protect consumers from the use of abusive, deceptive, and unfair debt collection practices by debt collectors. I believe there is abundant evidence that proves Discover Card has been participating in abusive, deceptive, and unfair debt collection practices. I'm requesting that Discover Card please deliver a notice of debt pursuant to 15 USC 1692g including the material disclosure required under Truth in Lending. Federal Law requires a debt collector to send notice of debt within 30 days of receipt of the dispute.
Product: Checking or savings account

I am the court-appointed guardian of my elderly friend. In XX/XX/year>, I received both the short and long order paperwork from the court, confirming my authority to manage her financial affairs. Following this, I went to all of her banks, including CitiBank XXXX XXXX XXXX, to add myself to her account as required to manage her finances. Despite presenting the court orders and explaining the situation numerous times, CitiBank XXXX XXXX XXXX has consistently refused to put me on her account. 

It is now XX/XX/year>, and my friend has lost access to her accounts, including her checking, retirement account, and safety deposit box. She no longer has a bank card and can not withdraw her retirement funds, which she depends on for living expenses as she is in her XXXX. Over the last seven months, I have repeatedly provided the necessary paperwork in person at the branch and over the phone, in some cases presenting multiple times to the same person. Ive worked with the branch manager, called customer service, and even visited two other branches, but no one has been able to resolve the issue. 

Now, the bank is threatening to close her account, which would be devastating to my friend, who has had this account for decades. Its causing unnecessary stress and robbing her of the independence she wishes to retain. I am at a loss for what to do, and the banks refusal to cooperate is preventing me from fulfilling my duties as her guardian.
Product: Credit card or prepaid card

I have a prepaid paypal card that I use to transfer sales from XXXX. It's not much ( maybe XXXX usd per year ). NETSPEND CORPORATION ( the company behind paypal prepaid debit cards sent me a new card ( via regular mail ) that looks like I need to renew. So like anyone, I opened the envelope, called the number on the card to activate. 

It turns out this was just a solicitation to open a new account ( BUT IT LOOKED EXACTLY LIKE A REAL PAYPAL MASTER CARD ). They asked me for my social security number, card number and number on the back of the card and sent me an email with a 4 digit code. At the time, I thought this was unusual, however checking my pay-pal account, I noticed that the card was not available, nor was it recorded as a replacement card. 

I'm not even going to go into how rude and deceptive their XXXX call center is where everyone is named " XXXX ''. 

NETSPEND CORPORATION is a predatory financial institution. The deceptive practices they use to get people to load up money onto a prepaid debit card is beyond underhanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX, Equifax and XXXX are require to remove any items which were 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. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX fail for provide factual documents about these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. the credit bureaus XXXX, XXXX and Equifax
Product: Money transfer, virtual currency, or money service

XX/XX/23 - XXXX XXXX transaction totaling {$28.00} of rewards credit not deposited XX/XX/23 - over an hour on hold and Apple and XXXX XXXX states its the other entitys fault/issue!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently reporting on my credit report that my contact information has an expiration date. It states, " Contact Information : Expiration Date XX/XX/XXXX : Date Reported-XX/XX/XXXX. '' My Equifax credit report has both a Fraud Alert and a Credit Security Freeze in place. My wife has the same alerts in place on her Equifax credit file but states nothing about a contact information expiration date.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/1991 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following charged off account : XXXX XXXX XXXX XXXX XXXX I have noticed that this account is still being reported as having a payment history each month when it should not since this account is being charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. 
As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. 
Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. 
Thank you for your attention to this matter. 
Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Act Name : XXXX XXXX XXXX Inquiries : XXXX XXXX, Inquiries : XXXX, Inquiries : XXXX XXXX Inquiries : XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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.