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

I filed a policy report that deals with indentity theft, which relates to a number of issues concerning identity theft at the time. Upon retiring from XXXX XXXX XXXX, XXXX, during the month of XXXX, 2018 I noticed suspicious activity, that included someone hacking into my identity, filing for unemployment I never requested, likely using up some of my old credit cards for higher balances being increased as reported on the credit reports, such as XXXX by original creditor, XXXX XXXX XXXX XXXX ( a XXXX XXXX XXXX ). The purpose of this request is that I highly question the suspicious activity to this particular account being reported here. I'm asking the Creditor or anyone who has access to the specific details concerning all transactions to this account from it's origination to it's closing of account to fully furnish the details of all transactions involved for this balance to exist. Could this account have a full furnished detail of itemized transactions of dates and maybe of times of those transactions? I believe this account was originally not owed anything, prior to these ring ups in transactions, and if no response is achieved within 15 days of this request, would you be able to have all credit reporting bureaus, XXXX, Experian, XXXX erase this account balance to a XXXX balance if we don't get response in time for reporting to be update on what those transactions are that caused this balance to become {$5100.00} in the first place. thank you
Product: Credit reporting or other personal consumer reports

Several phone calls have been made to Equifax form XX/XX/XXXX to XX/XX/XXXX. I am currently in the process of obtaining a morgage loan and my lender is unable to access my Equifax credit score. I have spoke with different agents about the problem and it has not been fixed. I was told to tell the lender to use my old address to access my score, but that still did not work. I have mailed documents to confirm my identity as well as submitting online disputes with proof of identity. Equifax is the only credit reporting agency my lender is unable to access. I have been told all of my information is correct, but they still cant tell me why its not accessible. Its states my file has been flagged for fraud. Equifax states there are no fraud alerts on my file.
Product: Debt collection

I keep receiving calls from a company called portfolio recovery and every time I block their number, they just call from another one. I do not have any debt at all in my name except for my car loan which I have never been behind on, ever. I don't even know how this company got my phone number as it has been the same for several years but these calls have been going on for a couple of months.They don't even leave a message, I have to call back and get their pre recorded message to know who it is.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and would like these alleged accounts removed immediately. 

Fraudulent account : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest recovery systems is reporting on my XXXX report that I dont have any knowledge of, please show me validation of debt with bearing signature with my name. If not please remove and delete if you cant provide me with it documentation with in 30 days
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently ( XX/XX/2019 ) requested to Bank of America 's credit card department to issue a new Travel Rewards card over the phone. It was immediately approved for a credit limit of {$3200.00}. 

However rather than having only 1 hard inquiry from Bank of America on XX/XX/2019, my XXXX credit report shows 2 hard inquiries from Bank of America. 

In no circumstances, any person can have two hard inquiries from the same bank for the same type of card on the same day because if the card will be disapproved in the first request, it will be again disapproved in the second request whereas I have been issued credit card. Secondly, if the card will be approved on the first hard inquiry, there is no meaning for anyone to again immediately tell the customer service associate to launch another hard inquiry after approval of the card! Therefore I explained that there were not two hard inquiries. 

Please remove the 2 hard inquiries and increase my credit score accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all three credit bureaus disputing the late payments on XXXX XXXX on XX/XX/2020. The credit bureaus are reporting different months I was late on all three credit reports which are inaccurate. I have never been late on my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I submitted required documentation toward disputing several items on my credit report and notifying   XXXX   XXXX   and Experian that I was a victim of identity theft. I submitted all the required documentation that was required by the individual credit reporting agencies and that which was required by law under FCRA sec  605B ( 15 U.S.C. ..1681c-2 ) the law states the  with submission of my proper identification, along with law enforcement notification, ie. a police report identified items shall be block in no more than 4 business days. Upon approach to the issue, all institutions stated that there practice is to investigate for 30 days and that I would be notified at that point. Not only is this confusing it is illegal to the legal duties of upholding the aforementioned rights of the consumer. I am placed into a position of feeling victimized twice. I seek that the information be blocked immediately for I am neither benefactor of the accounts nor did I give permission to another.
Product: Checking or savings account

Opened an account with wells Fargo when I got my first job and anytime I would overdraft they would charge me an overdraft fee everyday until I put money in the account. Or they would charge me a bank maintenance fee and then charge an overdraft fee over and over until I couldnt financially afford to keep the account. Its been hard to get certain bank accounts now and its been 10 years
Product: Credit card

During Covid 19 I have asked plenty of times for hardship since I was a single mom during Covid-19 and let go due to Covid-19. I called pleading for help. Ive manage to keep myself float but with a baby and working by myself with everything and anything that came. I can no longer pay these credit card companies and no one wants to help. According to FCRA Section 605B it is illegal to report anything on my credit report without my permission. Please remove all negative items. Thank you.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Professional Collectors continues to report even after letting them know that this is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my credit report to open and access the mysocialsecurity.gov account process. I received a report from two companies but equifax refused to provide me with my annual report. They also blocked my access to register for the social security account that I am entitled to use by law. I called the company and they demanded I send a copy of my driver 's license and social security card. XXXX XXXX advised that I not do this as it opens me up to identity theft. The equifax representatives spoke about my account requiring verification although it has not needed this in past years and they refused to give me any further information such as what triggered this verification need and although I tried through them to get to someone who could tell me why the status was blocked they refused to tell me. 

I filed a complaint with you regarding this and the response was that they could not locate a file for me even though on the phone they indicated that there was one, but they could not access it without copies of my license and social security card - and provided one in the prior year ( s ). So they essentially lied to your agency in their response and to me as well. I do have a credit history as XXXX and XXXX   demonstrated by providing reports from their records. I request that Equifax re-examine their file and provide me with my annual credit report per their federal mandate. I jointly share credit with my spouse and he was also blocked and had to go through several other procedures to access his social security options - including registering for XXXX. We have bank accounts and credit cards and have actively used credit in the past 10 years on a monthly basis. I still maintain that requiring me to send a copy of my social security card and driver 's license is unsafe and unnecessary. I still want CFPB to require them to find my file and send a copy of it to me. If they have " lost '' my information that is a breach that compromises my identity and future benefits in my retirement years and I am entitled to know about that loss/breach of security. I am also entitled to know what organizations have requested information on my credit - which they refused to provide. They also refused to tell me if there was an alert or fraud notice related to my credit. Resolution - provide me the report as requested without my having to provide copies of my driver 's license or social security card. Mail it to either of my addresses - the one I have used for the last four years or the one I have used for the last 20 years - both are still good addresses as I have two homes while I am still working. It will get to me, but it needs to be provided without the present run-around.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy and validity of an account appearing on my credit report. This account contains inaccuracies, potential violations of federal law, and unverifiable information that require its immediate removal under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ]. Below are the account details in question : Account Details Under Dispute : Creditor Name : XXXX Financial Account Number : XXXX Account Type : Revolving ( Credit Card ) Balance : {$2100.00} Status : Collection/Charge-Off Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX ( varies by bureau ) Date Last Reported : XX/XX/XXXX ( varies by bureau ) Legal Grounds for Deletion : Inconsistent and Unverifiable Information FCRA 1681i & FCRA 1681e ( b ) : The high credit limit is reported differently ( {$2400.00} on XXXX vs. {$1600.00} XXXX XXXX ). The last reported dates differ across bureaus, suggesting potential re-aging of debt, which is illegal. The Date of Last Activity ( DLA ) and Date of Last Payment are inconsistent, showing that the creditors reporting is unreliable. 
Re-Aging of Debt FCRA 1681c ( a ) ( 4-5 ) Violation : If an account is charged off, it must be reported based on the original delinquency datenot the last update date. The Date of Last Activity varies between bureaus, which is a clear sign of re-aging to extend the reporting period. Re-aging is a federal violation, and any account re-aged must be removed immediately per FCRA 1681c ( a ) ( 4 ).

Failure to Provide Verification FCRA 1681i ( a ) ( 1 ) and FDCPA 809 ( b ) : Under FCRA 1681i ( a ) ( 1 ), any disputed account must be verified within 30 days, or it must be deleted. If this debt was sold, transferred, or written off, the original creditor must provide validation of ownership. If the creditor can not verify the accuracy of this information, it must be removed immediately per FCRA 1681i ( a ) ( 5 ).

Charged-Off Accounts are Not Legally Enforceable FCRA & FACTA Compliance : If an account is charged off, it is no longer an active debt obligation and should not continue to impact my report under FACTA guidelines . Creditors can not continue to report an unpaid balance after the charge-off unless the account is legally enforceablewhich is not the case here.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 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

i have unauthorized accounts and inquiries on my credit report that were not opened by me. 
unauthorized accounts XXXX XXXX XXXX XXXX XXXX ( XXXX ) {$480.00} XXXX  XXXX ( XXXX ) {$4500.00} XXXX XXXX  XXXX XXXX XXXX ) {$1000.00} XXXX ( XXXX ) {$1600.00} unauthorized inquiries XXXX  ( finance ) ( XXXX ) XXXX XXXX  ( finance ) ( XXXX ) XXXX  ( finance ) ( XXXX ) XXXX  ( finance ) ( XXXX ) XXXX XXXX ( finance ) ( XXXX ) XXXX ( finance ) ( XXXX ) XXXX XXXX ( finance ) ( XXXX ) XXXX Bank XXXX ( bank ) ( XXXX ) XXXX XXXX ( auto ) ( XXXX ) XXXX XXXX  ( bank ) ( XXXX ) XXXX  ( finance ) ( XXXX )
Product: Credit reporting or other personal consumer reports

This account was open fraudulently. I called them numerous of times and told them that this account was not open by me to cancel the card. They told me that they were moved from my credit report because it was fraudulent. I have sent them police report FTF reports That I did not open this account. They claim that they will delete it as soon as possible.i also told them according to the fair credit report act fcra section 605 n it is illegal to report information on my credit report that is inaccurate without my permission. Please delete this item from my credit report as soon as possible.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd list of Inquiries. 

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 or other personal consumer reports

Could you get rid of these inquiries? I don't know anything about them, and the company acted without my agreement.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

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 see alot of mistakes on my credit report on all 3 credit bureaus an i will like them accounts removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX is in violation of consumer laws by allowing RESURGENT/LVNV FUNDING to report an unverified REINSTATED collections to my credit account. 

XXXX did not make me XXXX XXXX, ( the consumer ) aware before allowing a reinstatement of an account that has already been noticed as ( Account XXXX XXXX ) and removed from my XXXX report for that last 2 years. 

The original account holder is XXXX XXXX and was documented as ( Account XXXX XXXX ) and removed from my credit report back in the end of XX/XX/XXXX. 



RESURGENT/LVNV FUNDING Has no legal contract with my signature agreeing to do any type of business with them. They are violating consumer laws and need to be completely removed from my credit report ASAP. 

It has been brought to my attention that there is a lawsuit against XXXX, by the CFPB for ( XXXX XXXX XXXX XXXX XXXX XXXX ) This is a clear notice that your negligence will cause penalty and compensation to the consumer ( XXXX ) XXXX XXXX if negligence is practiced with this investigation. 





RESURGENT/LVNV FUNDING Has also been made aware of the invalidity of alleged debt that they purchased from XXXX XXXX. 

Ive filed XXXX plus XXXX complaints requesting XXXX XXXX to provide proof of all alleged charges made with the secure credit card before closing in XX/XX/XXXX. Ive made clear in multiple CFBP complaints for XXXX XXXX to provide ONLY purchase transaction statement with the amount of each transaction and the name of the companies/merchants with location and date of charge. Theyve willfully ignored my request as show in attached documents speaking to monthly fees ( not relevant without proof of charge balance ) With every response they pretend as though theyve given me the information that Ive requested. Theyve even gone as far as to mark my disputes as duplicates and closing them out immediately. 

RESURGENT/LVNV FUNDING You are being put on notice that you are in violation of consumer laws and will also be held accountable for damages if you choose to not remove yourself from reporting from all with the knowledge of XXXX XXXX willful negligence to prevent full and valid information for this negative account. If this complaint is closed and your reporting from all is not removed, you will receive a list of consumer laws your in violation of and damages will be calculated in addition to this notice. Knowing XXXX XXXX allegations of charges without providing them and willful disregarding show your willingness in violation of consumer fair credit reporting. 
There is a list of collections companies that are no longer allowed to operate because of their willful violations of the consumer. Dont compromise your ability to stay in business over this shady accounts.
Product: Debt collection

This company has been emailing me about my deseased mother 's phone bill, which I'm not responsible for. I have proof they have been sending daily emails and now they're sending texts. According to the email they don't own the bill as it is too old to be on my credit and I had already disputed this with a prior company and it was removed 2 years ago.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information. 

Dear Consumer, XXXX XXXX XXXX, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$XXXX} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.