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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report that I do not recognize. Also, there is numerous addresses and names or the spelling of my name that are reporting that I do not recognize as well. The only name and address that should be listed on my credit report it is the one below. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have contacted XXXX, XXXX and Transunion over 10 times to have them deleted so that I have a accurate credit profile but none of the credit reporting companies have respected my rights. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX Installment Loans XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Credit card

On XX/XX/XXXX around XXXX time, I deposited {$2000.00} ( XXXX ) to pay my credit card bill for card ending XXXX at the Chase ATM located at XXXX XXXX XXXX XXXX XXXX PA .

ATM accepted the cash deposit, then tried to count/ calculate the cash and then errored out. The ATM did not even return my cash and instead it just displayed that the ATM is out of service and gave me the receipt ( attached ). 

I called the credit card support immediately and they informed me that they will check and for time being they made a temporary deposit for {$2000.00}. On XX/XX/XXXX, that transaction is reverted back with out proper details. Calling the customer support is also not helping. I am trying to track either the ATM transaction that I made on XX/XX/XXXX morning or the Credit card transaction that ties to the ATM transaction to locate the cash deposit. ATM transaction for money deposit is completely disappeared without any trace or accountability. Please help me.

Attached is the receipt to lookup the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX Account # XXXX ), ( XXXX XXXX XXXX Account # XXXX ) and ( XXXX XXXX XXXX XXXX Account # XXXX ) have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

This debt was paid XX/XX/XXXX with check # XXXX. I recently pulled my credit report and it is still showing unpaid and with a balance on my credit report. This is hurting my score and the chances of me getting my home. The rep I spoke to said they will remove this from my credit report in 30 days.
Product: Debt collection

Subject : Dispute Regarding Debt Sale and Inaccurate Reporting by XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally dispute the actions taken by XXXX XXXXXXXX XXXX XXXXXXXX XXXX concerning my account and their subsequent sale of my debt to XXXX XXXX XXXX XXXX XXXX, a third-party collections agency. I believe that this transaction was conducted illegally and without my consent, and I am seeking your assistance in resolving this matter. 

To provide context, I had an account with The XXXXXXXX XXXX XXXXXXXX XXXX that I was managing in good faith. However, I was surprised to discover that my debt was sold to XXXX XXXX XXXX XXXX XXXX without any prior notification or consent from me. This action raises serious concerns regarding the legality of their practices, particularly in light of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), which outlines the responsibilities of furnishers of information to consumer reporting agencies.

Key points of my dispute include : 1. **Unauthorized Sale of Debt** : I did not receive any communication from XXXX XXXX XXXX XXXXXXXX XXXX regarding the transfer of my debt to XXXX XXXX XXXX XXXX XXXX XXXX This lack of notification violates my rights as a consumer, as I was not given the opportunity to address the account before it was sold. 

2. **Inaccurate Reporting and Additional Charges** : Following the transfer of my debt, I noticed that XXXX XXXX  XXXX XXXX XXXX reported additional charges that were not part of my original balance with XXXX XXXX XXXX XXXXXXXX XXXX XXXX These extra charges appear to be unjustified and have further complicated my financial situation. The additional fees not only misrepresent the original debt but also negatively impact my credit score. 

3. **Failure to Investigate** : Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to investigate disputes regarding the accuracy of the information they report. I have reached out to both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX regarding these discrepancies, but I have not received a satisfactory response or resolution. 

Given these circumstances, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for their illegal practices and failure to comply with the requirements of the Fair Credit Reporting Act. 

I have enclosed copies of relevant documentation, including : - My original account statements from XXXX XXXX XXXX XXXXXXXX XXXX - Correspondence with XXXX XXXX XXXX XXXX XXXX XXXX 
- Any notices I received regarding the debt sale or additional charges I appreciate your attention to this serious matter and your efforts to protect consumers from unfair and illegal practices. I look forward to your prompt response and guidance on the next steps in resolving this issue. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c ( 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 7 years, 15 U. S.C. 1681 s-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 Dispute this account to XXXX, transunion, and XXXX. 
However the credit bureaus said that they have completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to and How did they complete this investigation.
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 unknown to me. I send a complaint to inform that I am a victim of identity theft and I sent letter to Credit Bureaus on XX/XX/XXXX to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items are mystery to me.According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please Remove the following items listed : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$140.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XXXX : {$740.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/ReportedXXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/ReportedXXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ;
Product: Money transfers

Traded an online friend for a game and he never held up his side of the bargain and took my money. Essentially scammed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported the following information to Experian via the CFPB on XX/XX/2021 : There is a balance from XXXX on my credit report that has been paid to the debt collection agency XXXX XXXX. The balance reported on my credit report was {$770.00}, however the amount I paid is {$270.00} ( not including a {$2.00} processing fee ). However, it is in violation of several FCRA statutes. The items I cite as being violations of the FCRA are : posting a higher balance than the collections representative had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion. On XX/XX/2021, the company responded that they would review the information, begin a reinvestigation, and contact the creditor. On XX/XX/2021, I checked my Experian credit report to find that the XXXX account was updated with more incorrect information, and the incorrect information stated above remained on my report. My credit report was updated to include a singular charge-off date of XX/XX/2021, which is incorrect. I have attached the previous attachments, along with a screenshot showing the most recent incorrect update. I am requesting that this account is fully removed and deleted from my credit report due to the several violations of the FCRA mentioned above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted numerous disputes challenging the accuracy of the furnishing on my consumer credit file with all three major credit reporting agencies and i'm getting ignoring. Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ) consumer reporting agencies are suppose to report all accurate information and there shouldn't be a difference in any major credit reporting agency. Pursuant to 15 USC 1681b of the Fair Credit Reporting Act which governs all credit reporting agencies I demand these account listed in the documents attached be remove from my credit file. Failure to do so will result in civil and criminal fines pursuant to the Fair Credit Reporting Act 15 USC 1681n for willful noncompliance.
Product: Credit reporting or other personal consumer reports

I have so much false information on my case. I'll add the information down below
Product: Checking or savings account

The app XXXX says PNC is no longer allowing 3rd party connections to their bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not deleting a public record showing ony report as XXXX. The Bk court does not have any varifiation as being mine nor they respond to any third parties verification companies. Transunion keeps on saying that the court verified it accurate but that is not true after speakig with the BK court. Transunion keeps on ignoring my request to clear it as the other bureaus have already done.I mail transunion a report from XXXX and a letter from the FTC but yet transunion refuses to validate them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted serval complaints about my reports not reporting 100 percent accurate I errors which are FCRA violations. I would have to have to file and take this matter to the next level.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reporting does not belong to me. It needs to be deleted immediately. 

XXXX XXXX in the amount of {$520.00} from XX/XX/2011 XXXX XXXX Acct # XXXX These accounts do not belong to me. I have reported this as fraud many times. If it is not removed from my account I will be filing suit.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Fraudulent Collections Account Dear Sir/Madam, I am writing to formally request the immediate deletion of a fraudulent collection account that does not belong to me, as it is a result of identity theft. I have discovered that this account is inaccurately reported on my credit file, and I need your assistance in rectifying this matter as soon as possible. 

The details of the fraudulent collection account are as follows : Account info Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Collection account. 

Account info Account name XXXXXXXX XXXX XXXX Account number XXXX Account type Date opened XX/XX/XXXX Account info Account name XXXX Account XXXX XXXX Date opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In CFPB complaint XXXX Goldman Sachs lied.  Has not updated info as stated. 

See screenshot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told from credit karma I was 90 % approved for an auto loan from XXXX XXXX XXXX and XXXX  On XX/XX/2021 I was told I was 100 % approved for a XXXX  XXXX credit card I didnt qualify and XXXX XXXX I was 100 % approved for a XXXX credit card that I didnt get approved for.. I all it keeps doing is putting hard inquiries on my credit when I check XXXX my credit score isnt the same as on credit karma I have XXXX credit score on XXXX but a XXXX on credit karma its not right.. and Im being denied messing up my credit when reality I dont have none so why is credit karma fabricating and leading me wrong..
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC is mishandling my credit data and damaging my financial health. An Equifax Information Services customer care agent informed me that Equifax Information Services is reporting my social security number under someone else 's name. Equifax Information Services is refusing to provide a credit report to me under the claim that I have no established credit history. This is an outright lie, as I have confirmed with both credit card companies with which I have had accounts for longer than six months that both companies are reporting my credit data to Equifax Information Services. I was made aware of this problem on XX/XX/2020. I have provided numerous forms of identification on three occasions via mail and fax, as directed by multiple Equifax Information Services customer care agents. I was told that any information regarding this dispute would be relayed to me via mail, but I have received no mail informing me of the progress of this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion lowered my credit score after paying down my credit cards from 112 percent usage to under 33 percent usage, which should have raised my credit score by 29 points, instead on XX/XX/2021 they lowered it by XXXX points, On XX/XX/2021 when I called to find out why I was told to file a dispute online so that they can look into why this happened, and someone would get back with me in 14 days, when I called today I was told that they could not correct any issues because I had filed a dispute on XX/XX/XXXX, I told them to cancel the dispute, they said it has been more than 14 days since it was filed and they can not that I must wait up to 30 days for the dispute to end so they can update my account. this was a set up to freeze my credit score.
Product: Money transfer, virtual currency, or money service

XXXX I made a transfer of {$1900.00} via XXXX to the other party. 
- Nothing received by other party XXXX Called Bank of America XXXX and was told my transaction went through. 
- Nothing received by other party XXXX Called Bank of America XXXX and was told my transaction was still pending. Now beyond the normal 1-5 business days that XXXX should take. 

I have yet to receive any notification of an error from XXXX. 

XXXX Ordered a recall of my funds through Bank of America XXXX. However no confirmation of the recall was made to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On going issue with closed accounts. Reporting on my credit profile. The information was pulled from consumer reporting agencies- equifax - XXXX - XXXX - these accs are fraudulent closed accs- I filed a complaint and fraud report with federal trade commission- and my states attorney office regarding thees matters- please remove the filling accs - XXXX XXXX -acc # XXXXXXXX XXXX XXXX -acc # XXXXXXXX XXXX XXXX -acc # XXXX Please note that these accs was tied to my adress and email - details are enclosed with the documents attached