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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX, XXXX and XXXX l, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 2. Account Name : XXXX Account Number : XXXX XXXX  XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 3. Account Name : COMENITY BANK / XXXX Account Number : XXXX XXXX XXXX5 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Transunion charged me for a credit reporting service I did not sign up for with no way of canceling online. The amount is {$24.00} per month with no useful services delivered. We have no way of canceling this charge from their website and the subscription status can not be changed at all.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX BTC purchase of {$1400.00} Purchase was reversed on XX/XX/XXXX Money was never returned into account. 

XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed to a company in Texas called " XXXXXXXX XXXX ''. Equifax was reporting an account from this company stating that I owe them {$1400.00}. I had no knowledge of this company and when I reached out to the company XXXXXXXX XXXX directly to resolve this matter, they was not sure how my information was ( And this is in their words : " MIXED UP WITH ANOTHER PERSON in their system '' ). After I submitted an identity theft complaint, I disputed the information to Equifax and it took MONTHS for them to take any action into removing the account. 

MY NAME IS XXXX XXXX XXXX AND I AM NOT AN ATTORNEY OR HAVE I EVER BEEN INFLUENCED BY ONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Twin Brothers name is showing on my reports, such as when i purchased my home and when i recently got home security installed
Product: Debt collection

On XX/XX/XXXX I receive a letter in the mail from TRS Recovery Services , Inc that I owed them {$350.00}. The letter stated on XX/XX/XXXX a check was written in the amount of {$320.00} at XXXX XXXX XXXX. The account it references that payment was related to is an account I closed in XXXX of XXXX. I have never spent over {$300.00} at XXXX XXXX Someone used a check in my name on a closed account. I have reached out to the bank and they sent me proof of my account being closed as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

requested credit report from Equifax and they did not provide
Product: Debt collection

Dear Sir/Madam, I am writing to file a complaint regarding fraudulent activity that has affected my credit report. Today, I received a notification from XXXX XXXX  that Bonneville Collections has added a debt of {$620.00} to my credit report for a bill owed to XXXX XXXX XXXX. This debt does not belong to me ; it belongs to my former spouse, XXXX XXXX. 

I have already contacted Bonneville Collections and sent them a written request on XX/XX/2023, explaining that this is not my debt and that it belongs to my former spouse. However, despite my efforts, the debt still appears on my credit report. 

I am extremely concerned about the impact that this fraudulent activity will have on my credit score and my ability to obtain credit in the future. I request that you investigate this matter and take action against the parties responsible for this fraudulent activity. 

Please let me know if there is any additional information that I can provide to assist in this investigation. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$130000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XX/XX/XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS.
Product: Debt collection

I disputed this collection by The XXXX ( XXXX ) for carpet replacement charges tied to my security deposit at XXXX  XXXX. These charges were sent past the 30-day limit required under Texas Property Code Section 92.103 , violating state law.

My lease does not explicitly require tenants to pay for carpet replacement unless damage exceeds normal wear and tear, and my photo evidence demonstrates that the condition of the carpet falls within normal use. 
Numerous XXXX reviews for The XXXX highlight similar complaints, revealing a systemic issue where tenants are unfairly charged upon move-out. I believe the manager of the apartment complex is staining carpet with bleach after move out in order to pass carpet replacement on to leaving tenants. It is a recurring theme in the XXXX reviews where XXXX XXXX states that due to bleach stains they had to replace carpet. Despite disputing the charges with XXXX and their collection agency, they escalated this baseless claim. I requested its removal from my credit report as it is legally invalid and factually unjustified.
Product: Checking or savings account

Deposited my paycheck and had a 10 day hold placed on the check on XX/XX/23. I deposited a check for my pay from the same company on XX/XX/23 and had the same hold placed. Also had several direct deposited from my job. They will not take the hold off of my check causing me to be delinquent on various obligations.
Product: Credit reporting

We moved in XXXX of 2014 to XXXX from XXXX. XXXX transferred services to our new home which created a new account number. The bill from the XXXX account was never sent to new home address. We became delinquent on the old account without knowing it. We finally received notification of delinquency this month and have paid the balance in full. We are requesting to have the delinquency removed since it we were not receiving bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing consumer report, I noticed unauthorized inquiries on my credit report. Below are the companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX account number : XXXX, XXXX account # XXXX,. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

On XX/XX/XXXX I mailed out 4 Certified letters to the collection agency that are on my credit report, asking for validation of Debt and HIPPA authorization, I have yet to receive my proof of signature. In XX/XX/XXXX I mailed out Certified envelops and all the paper work to show proof that they didn't provide me my request to the three credit bureaus they did remove some of the medical collection, I am still waiting on the 7 collections to be removed, They never responded to my letters and its way over due, and I get denied for credit loans. Its very frustrating when I'm working really hard on my credit and the credit bureau does half of a job. I see from my XXXX XXXX that XXXX is reporting 6 of the medical collections, and XXXX is reporting 14 of the medical collections and XXXX  is reporting 13 of the medical collections that should be off my credit report. and also I have disputed on XXXX XXXX   and they did investigate and found in my favor with XXXX XXXX that they are reporting back in XX/XX/XXXX of a late payment I have NEVER paid late, my payments are made early or on time never LATE. And thats still on my credit as well.
Product: Mortgage

I have a mortgage with CitiMortgage. They went up on my mortgage to the point that it was almost impossible to pay. I asked for a loan modification and they asked me to stop making my payments for 90 days. I did everything that they asked me to do. while I was doing what they asked they were behind my back the whole while trying to foreclose on my home. This has been going on for a while. They continued to ask me to send them the same papers over and over again. I send them the papers and the process just goes on and on with the same results. This is a conspiracy. PLEASE HLEP ME!! They are stealing my home from me. Many of my payments were not reported and Escrow money was stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information on an account and inquiry that I never made. The following account does not belong to me : XXXX XXXX
Product: Debt collection

Called the Debt Collector Security Cred and explained I never received any notification from them they just appeared on my Credit Report. I also had them verify my information and discovered it was not me, the information did not match my home address. So I am disputing the Validity of the debt due to I have no knowledge of this account, and no notification of this debt giving me the opportunity to dispute.
Product: Credit reporting

Equifax refuses to properly investigate an inquiry that was n't authorized and is fraudulent. On XX/XX/2016 I had an inquiry form XXXX
Product: Credit reporting or other personal consumer reports

All 3 bureaus failed to follow proper credit reporting procedures and laws throughout my past 3 months in the disputing process. On XXXX I sent certified mail disputes to all 3 bureaus regarding inaccuracies on my credit reports. Please see the attached document for more information on what went wrong. Here are the tracking numbers and evidence. 

( XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX to USPS Certified Mail, Equifax, XXXX, and XXXX received notice of my XXXX dispute on these dates below XX/XX/XXXX, XXXX am Equifax XX/XX/XXXX, XXXX am XXXX XX/XX/XXXX, XXXX pm XXXX After receiving notice of my XXXX XXXX XXXX Consumer Solutions removed the XXXX Bank Account XXXX from my credit profile on XXXX. On XXXX, the XXXX Bank Account was seen as re-verified and re-furnished on my profile. I did not receive notice of this within the XXXX business days as required by the FCRA section XXXX. 

Similarly, Equifax Information Services LLC, received notice of my XXXX dispute and removed the fraudulent XXXX Bank Account on XXXX. On XXXX, the XXXX Bank Account was seen as re-verified and re-furnished on my profile. Again, I did not receive written notice of this within the XXXX business days as required in the official FCRA XXXX section. This is a violation of my rights and the account needs to be deleted off my profile immediately because of it and the inaccuracies pointed out. 

XXXX did the same and failed to follow proper FCRA credit reporting procedures. The XXXXXXXX XXXX account XXXX was re-verified and is still affecting my credit today. 

Alongside this, all of the companies did not provide me with any of the information I requested such as the proof and evidence that was used to verify the XXXX XXXX account. I requested the investigation information very clearly in all of my disputes. Nonetheless, all three XXXX, Equifax Information Services LLC, and XXXX XXXX XXXX, all failed to provide me with the information I requested. It is my right under FCRA consumer law and I am utterly shocked that all XXXX of the companies can not keep it together. 

Again, please see the attached document for more explanation of what went wrong.
Product: Credit reporting or other personal consumer reports

trans union has made claims that the Bankruptcy on my record is valid and verified but refuses to send me verifiable proof even though iv requested several times! they must remove this Bankruptcy pursuant to 15 USC 1681 sub section 604 they can not furnish my acct without my written consent. And have failed to send me verifialible proof of the acct please remove it immediatley or i will pursue litigation against them under section XXXX & XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a certified letter requesting that the inaccurate addresses be remove from my credit file as they are not deliverable to me by the U. S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. I also enclosed the proper documents they asked for such as my Drivers License, and Proof of Current Address that were notarized. After checking the tracking number-XXXX the information was received by Experian on XX/XX/2020, I got my credit report on XX/XX/2020 and the address are still reporting as inaccurate information on my credit file. Its been pass the 30 days per the FCRA section 611. Ive called several times to the company and the agents are rude except for the one that left me on hold for 23 mins and never came back. Today I attempted again to call and got an agent name XXXX who was over talking me and told me he knows the information is not inaccurate on MY credit file WOW! I just told him I will have to take further legal action to get this minor inaccuracy resolved.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report, which has greatly impacted my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor which is XXXX XXXX notified me that they sent a notice to credit bureaus but they have yet to response or removed the account from my credit reports. They have been dropping my calls and have extended hold times and I can never talk to anyone about my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out CERTIFIED over 60 days ago and have not been notified as a consumer i feel like these jokers are taken advantage of normal people.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} I looked at my XXXX report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file if the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( II ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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

I hope this letter finds you in good health. I am writing to express my profound frustration and concern regarding the continued presence of fraudulent items on my credit report, which is maintained by Credit Bureaus. Despite my persistent efforts to address and rectify these inaccuracies, they persist on my report, significantly impacting my financial well-being. 

The fraudulent items in question include [ describe the nature of the fraudulent items, such as unauthorized accounts, inquiries, or transactions ], and they have been erroneously reported on my credit file. I have attached copies of supporting documents, including [ include copies of any evidence you have, such as identity theft reports, dispute correspondence, and any other relevant documentation, to substantiate my claims and provide proof of the fraudulent nature of these entries. 

I have diligently followed the appropriate procedures to dispute these fraudulent items with your bureau and have provided all necessary documentation to support the legitimacy of my claims. However, to my dismay, these fraudulent entries continue to tarnish my credit report, affecting my credit score and causing me financial distress. 

I kindly request that you take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough and comprehensive investigation into the fraudulent items listed on my credit report, verifying their inaccuracy and fraudulent nature. 

Promptly remove all fraudulent items from my credit report to restore its accuracy and integrity. 

Implement robust security measures to prevent the recurrence of fraudulent entries on my credit report and protect my credit information from further misuse. 

Advise me on any additional steps or information required from my end to expedite this process. 

I recognize the importance of maintaining a precise and reliable credit report for financial stability and trust in the credit reporting system. Therefore, I request your immediate attention and timely resolution of this matter. 

I appreciate your prompt attention to this serious issue and your commitment to resolving it to my satisfaction. I look forward to the swift removal of these fraudulent items from my credit report and the restoration of my financial integrity. I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$5200.00} XXXX XXXX Balance : {$210.00}.
Product: Credit card or prepaid card

My wife " had '' A total XXXX XXXX. I was a user on her account. It was closed out for non payment. We started working on our credit. I was approved for a total XXXX card with my wife as a user. The card is 5 or 6 months old. XXXX charge on card each month. 300.00 limit. I pay 40 or 50 monthly yet my available credit never goes down. I am never given full use if the card. My wife believes they are taking our payments and applying them to her old credit card charges that have been charged off and the card sold to a debt collector. The company will no longer acknowledge my wife as a user on this account, they won't give me access to my statements online or via phone. I Believe we are being fraudulently used by the credit card company. And they refuse to remove my wife 's information with me as a user on her old card.