23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a debt collection letter from collection service. Was told that they were giving me a discount and that by paying {$160.00} plus a {$5.00} service fee for doing a future programmed debit payment the debt of {$200.00} was going to be resolved and that I would be cleared of the whole debt and also cleared with XXXX. XXXX was the original debt owner. I did not have work so I couldnt pay it off then. After the payment was taken I was told it was going to be cleared with XXXX. It was not, XXXX has me owing {$45.00} and when I contacted the collection service about this they stated they no longer have my account with them and that I need to pay {$45.00} to XXXX. The collection service was supposedly going to transfer me to a manager after I mentioned consumer affairs for not telling me the truth then tried to misguide me with other supposed options. I hanged up and checked in consumer affairs website and it was here that I needed to file my complaint. Supposedly on all conversations with the collection service all calls were being recorded and monitored?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge about this accounts, please remove as this is not mine : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed out letter to Equifax on XX/XX/XXXX and XX/XX/XXXX and they failed to show proof that each account is 100 % accurate. 

I ask to share with me their method of verification for the following accounts in question and I have yet to hear back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
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 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 XXXXXXXX, 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: 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 TransUnion 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 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 or other personal consumer reports

experion is reporting on my credit report a " charge off ''.

I finally received the 1099c for cancelation of the debt and the credit agency is still reporting it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and equifax are reporting an account with XXXX XXXX on my credit report. I have disputed this with each of the companies over and over over 3 years now, sent in all my proof of identification documents required and requested for this false account to be removed dozens of times. This is not my acct. I have no acct # that matches this. Ive requested numerous times for valid verification any docs, contracts with my signature on it etc.and received NOTHING! They havent provided any valid verification proving this is my individual account Equifax just told me they do not have documents they go by the word of XXXX XXXX. 
Both equifax and XXXX  reports am ex as a charge off w/a balance monthly. This is in direct violation of my FCRA rights and I want it removed. It has stopped me from being able to purchase a house And get credit
Product: Credit card

I received a bill, credit card from XXXX with XXXX Bank in XXXX, paid the full amt. of {$37.00} on XXXX through my bill pay at my bank which is documented. In XXXX I received another bill for the same amt. plus fees and interest. I immediatly called the number on the bill explaining it was already paid and sent a verification from my bank as to when they paid it and when the check cleared. Latest bill this month for {$100.00}. They sent a check to me dated XX/XX/XXXX for {$37.00}. I 've contacted them since with no resolution. I have had another problem with same bank with my Walmart Discover card, and after several calls to them I received a letter dated XX/XX/XXXX stating their apology for any inconvenience this has caused me. I have told them of my time regarding this matter and they will be billed for it. This business needs to pay dearly for it 's negligence.
Product: Debt collection

I have contacted them repeatedly trying to get a copy of my wet signature on a document saying that I signed up for these accounts!! Theyre about seven accounts and I dont owe any of them!! I have sent a cease-and-desist letter by certified mail because they repeatedly called me and told me they were going to take me to jail or that XXXX XXXX XXXX XXXX XXXXXXXX because I dont pay my bills!! Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : XXXX
Product: Credit card or prepaid card

My card was supposedly used at an ATM withdrawing all of my funds less than thirty minutes prior to me trying to use the card myself at another ATM. It must have been a duplicate card because my card was zipped inside of my backpack as I was on my way to a different ATM than the one that was used to withdraw the funds. I immediately called to report the fraudulent withdrawal and cancel the card on XXXX XXXX, 2022 but Comdata did not provide a case number and said I had to wait 21 days to get one. However, having disputed with a different institution I knew that didn't sound right so after calling back on the XXXX to see if there was a case number I found out they hadn't submitted the claim and had to XXXX search their online access to submit the dispute myself but their website did not generate a case number either. I informed them of Regulation E guidelines but they said that they don't provide provisional credit and that they have their own policy. I also asked for a card with a chip for added security in case the card was skimmed or something, but I had only used it twice prior as a credit transaction so it's unlikely since they said a pin was used. The withdrawal was for over {$150.00} on XXXX XXXX, 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again.
Product: Credit reporting or other personal consumer reports

Thank you for correcting some of the misleading information on my credit file. However, I am not satisfied that your review fully complies with the guidelines of the Fair Credit Reporting Act. There are still items that require proper action to ensure the highest accuracy of my credit file. Therefore, I am requesting a further investigation of the following items : ( 1 ) XXXX XXXXXXXXXXXX XXXX XXXX XXXX The reported number of late payments is incorrect. I have never missed a payment. Please update this information immediately. ( 2 ) XXXX XXXX XXXX XXXX XXXX  According to my records, this account was consistently paid on time, and I never missed a payment. Please update this information promptly. ( 3 ) XXXX XXXX XXXX XXXX XXXX The reported number of late payments is incorrect. I have never missed a payment. Please update this information immediately. ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX According to my records, this account was consistently paid on time, and I never missed a payment. Please update this information promptly. If your investigation can not verify the accuracy of the information I believe to be incorrect, please update it immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to my address provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX appears to be engaging in unsolicited advertising, resulting in multiple violations of the Do Not Call registry. I did not contact them, have no business relationship with them and do not desire their calls. Despite this they keep calling my prepaid cell phone twice daily from a number not listed on their website and unverifiable as them leaving voicemails each time, with contact numbers also not verifiable as being them.
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 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

I lived in XXXX XXXXXXXX XXXX in XXXX, TX last year and was forced to move due to stalking, harassment, and property damage occurring at my place of residence. The entire situation became a threat to my safety. I had to break my lease, however upon leaving, I made sure to submit a 30 day notice to vacate, and give them my supporting documents to prove what was going on. I should not owe any balance to this complex, based on my circumstances. I now have this collection on my report, making it extremely difficult to get approved for any place ( s ).
Product: Credit reporting or other personal consumer reports

I am reiterating my concern with TRANSUNION through this complaint. I previously submitted a letter addressing discrepancies in my credit report, including inaccuracies related to the date of last activity, date opened, date reported, payment status, charges, and more. Despite my efforts to bring attention to these issues, TRANSUNION maintains that there are no errors in my report. However, it is crucial to emphasize that this account is fraudulent due to illegal and unauthorized charges.

The investigation period has extended beyond 30 days, during which TRANSUNION claimed to conduct a thorough examination. Unfortunately, upon reviewing my credit report, I have not observed any corrections. The inaccurate information persists without any apparent rectification. I feel that my rights have been repeatedly violated, particularly as outlined in 15 U.S.C 1681 section 602 A, which underscores my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instruction. 
I am reaching out once more in the hope that TRANSUNION can promptly address and rectify these issues. Accurate reporting is crucial, and I trust that TRANSUNION will uphold its commitment to maintaining the integrity of the credit information it provides. Please also find the FTC report attached with the report number XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX went bankrupt a while ago. The CFPB had sued them and now XXXX  filed bankruptcy due to fraud. This must be removed from my report and I should be compensated for the wasted years ( DEPT.OF EDUCATION ). As well as, for, that no employer will accept the degree I earned. There is no reason for this to be on my credit report when it is fraudulent. The credit bureaus have recently failed to remove this despite the CFPB order to do so. I am now questioning the CFPB 's duties to enforce this.
Product: Credit reporting

Consumer Financial Protection Bureau, I am very excited to have found you and know that you will be able to help my situation. 

Right now, my husband and I are closing on our house on XX/XX/XXXX ( 14 days from now ). When we obtained an updated copy of my credit report, I noticed that there are 90 day late payments on my XXXX student loans that are being serviced by XXXX. Acct # XXXX. 

Additionally, they are reporting an " Account Status '' as " Currently 90 days late ''. 

Attached is a faxed document from XXXX showing clearly that my account is current and NOT 90 days late. 

My experience in legal matters is extensive in knowledge of the Fair Credit Reporting Act. The Act specifies prohibited practices in the payment reporting guidelines. There can not be a 90 day late payment unless there is also a corresponding 60 day late payment and a 30 day late payment ( credit report attached to this investigation request ). 

I request that Transunion remove the illegal 90 day late payment history for XX/XX/2017 for all XXXX of the XXXX accounts # XXXX. Also, change the " account status '' from currently 90 days late to " Currently Paid or Paying as agreed ''. 

Thank you VERY much.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, based on a friend 's recommendation, I visited a vacation rental home website to rent her neighbor 's property in XXXX, California, USA. The vacation rental home website is called : XXXX. I used the right side of the website called " Contact Owner '' to reach out to the owner. I received an email from the owner, XXXX, who let me know that the property was only available for 26 days at a time, as such, I did not move forward. I also received another email from the email address : XXXX. The contact was named XXXX XXXX who asked for desired check-in/out dates, number of bedrooms, and preferred location. He also asked about preferred budget and stated that he manages a lot of properties and could offer an attractive discount. I responded with my preferences and he sent an offer for a vacation rental property. He included a link to view the property via XXXX. I asked for the address of the property and he provided the following address : XXXX XXXX XXXX XXXX, California. He let me know that 50 % of the total was due as a deposit and the remaining amount was due 30 days prior to the arrival date. He also let me know that the owners of the property live in XXXX and require payment with the company XXXX ( formerly TransferWise ). I recognize XXXX as I have used the company in the past and already had an account. Therefore, on XX/XX/XXXX, I sent the money through XXXX to the stated " Owners '' of the property : XXXX XXXX and XXXX XXXX. 
Eight days later, I realized that the transaction was a scam after Googling the email address ( XXXX ). There were at least 20 reviewers with similar experiences that claimed this entity was a scammer for rental properties. At this point ( on XX/XX/XXXX ), I reached back out to XXXX via email to ask for the money back, and he agreed to send the money via check to my mailing address. However, the check did not arrive. I let him know that the money did not arrive and asked him to reverse the XXXX transaction. However, I did not receive a response from XXXX. After this, I contacted my bank. My bank provided a temporary reimbursement while an investigation was performed. After the investigation was complete 60 days later ( XX/XX/XXXX ), the reimbursement was removed since my bank determined that XXXX is the company responsible in this matter. As such, I am looking to get a refund for the amount with XXXX.
Product: Debt collection

XXXX XXXX I pulled my credit report and noticed it had a collection account from national credit adjusters for an amount of XXXX. The report says the account was made on XX/XX/XXXX. I wrote a dispute letter to the 3 bureaus stating that it had to be the result of identity theft and sent in the ftc identity theft report as well. On XX/XX/XXXX I received a call from XXXX with national credit adjusters threaten me to verify myself asking me personal questions and went as far as telling me someones social security number which I know is illegal. He said the debt was from XXXX of XXXX. I told him I never heard of XXXX XXXX and never applied for an account with them and he went on and on. I told him to cease all contact to me because they had the wrong person. On XX/XX/XXXX I received another call from the same number and when I instructed the call was being recorded and I told XXXX yesterday to cease and desist contacting me they cursed me out and hung up in my face.
Product: Checking or savings account

I AM A VICTIM OF IDENTITY THEFT AND SINCE I HAVE TO FIND MY INFORMATION HAS BEEN LEAKED THERE SEVERAL INQUIRIES AND A BANK ACCOUNTS ON MY CREDIT REPORT WHICH I NEVER AUTHORIZED. I HAVE SENT MULTIPLE LETTERS TO CHASE AND PROVIDED THEM WITH THE POLICE REPORT, AND FTC REPORT AND EXPLAINED THEM. BUT THEY ARE KEEP IGNORING MY REQUEST DUE TO THAT REASON. I'M TAKING A BIG LOSS FOR MY PERSONAL CREDIT AND FOR FUTURE BUSINESS CREDIT. I REQUEST TO DELETE AND BLOKE THE INFORMATION FROM MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion shows XXXX 's on my credit file as a charge off and there is no charge off Charge off is the same thing as not paid. 
I have provided a letter from XXXX 's Credit department.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX XXXX. ALL OF YOUR NEWST ADVERSE INFORMATION WILL FOEVER BEEN UNDER DISPUTE FOR INACCURATE NEGATIVE INFORMATION! XXXX XXXX XXXX XXXX WILL ACQUIRE NOTHING. IF TOU DID NOT TELL THEM ABOUT WHO I AM- THEY WILL GET NOTHING FROM ME. SOMETIME AGO, REINSERTED OLD OUTDATED ADDRESS PHOMEA NUMNERS AS WELL AS OTHER ADVERSE AND INCORRECT INFORMATION. EQUIFAX AQUIRED 3RS PARTY INFORMATION TO DIG UP AND THROW ONTO PEOPLE 'S CONSUMER REPORTS WITH CONSUMER CONSENT BEFOREHAND VIOLATING THE CONDITIONS UNDER WHICH LAY THE CONCRETE OF 15 U.S.C. 1681 BACKBONE OF THE FCRA. THWIR GOAL - MAKE PROFIT BY ANY TERMS. THIS WILL SET THE STAGE IN THAT EQUIFAX AND THE OTHER CRAS ARE INCAPABLE OF HOLDING AN KEEPING ANY PRIVATE PARTY SAFE AND PROTECTED BECAUSE EQUIFAX XXXX ITSELF IS A COLLECTOR AND SELLER OF PERSONAL INFORMATION TO THE HIGHEST BIDDER - FOR THE EIFHT PRICE. BE WARNED EQUIFAX - FOR DIGGING THROUGH MY REPORTS FOR FOR OWN GAIN. YOUR TIME IA PASSED. YOUR COMPANIES SHOULD AT ALL COST. SHOULD BE BROKEN UP AND AOLD TO THOSE THAT HONESTLY KNOW THE MEANING OF " PRIVATE ''