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

I have reported to this company that they have my information mixed with someone else. I have sent over proof identity theft to this company. This company has removed their name from my XXXX   account after I disputed with them through XXXX, and left the fraudulent reports on my Transunion and XXXX accounts. I am willing to file a lawsuit against this company! I want to be treated equally as all Americans. I lost my father and Im trying to get his house thats up for sale done its been repossessed. This company is blocking me from my right to fair credit reporting. Ive spoken to a lady name XXXX who was rude on the phone saying you people always want to complain and she hung up! Ive never been treated like this in my life. Please have this company remove the fraudulent report from my credit report and charge whom ever you have an account with. Im at a lost for word with this bank. I will file a lawsuit against them and if Im not able to get the house that my father had, they better be willing to pay for my Discrimination Attorney!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership to purchase a vehicle, and the dealership informed me they will run my credit. I only approved one inquiry, but they ran multiple inquiries on my credit report without my authorization.
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account # XXXX, has violated my rights 15 u.s.c 1681 Section 602 A state I have the rigth 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 Account number XXXX Original Creditor ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sorted them to remove all outdated and incorrect addresses that I never lived at and they said they couldnt they I had to speak to someone. XXXX address is listed multiple times over XXXX and is incorrect. The only address that is correct is XXXX XXXX XXXX # XXXX XXXX CA XXXX just like that any else should be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

US DEPARTMENT OF EDU XXXX ....
Product: Credit reporting or other personal consumer reports

There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me XXXX on why and how this happened.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number XXXX XXXX Dates of Late Payments XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by THD/CBNA. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with XXXX. The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX  acknowledging the technical issue with their automatic payment system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Two charges of {$79.00} were charged to my account on XX/XX/XXXX and XX/XX/XXXX. Both of them were supposed to be refunded, but the merchant only refunded one. I disputed the XX/XX/XXXX charges, but the bank did not provide me a provisional credit nor award me the dispute as they were confused thinking the merchant had already refunded it when the merchant only refunded one out of the two. 

The same thing happened with a double charge of {$80.00} on XX/XX/XXXX and XX/XX/XXXX as well where only one was refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have advised the creditor and the credit bureaus, and they have refused to remove these fraudulent accounts.
Product: Debt collection

XX/XX/2021 : A door to door sales man came to my house and asked if I would like to try XXXX internet service for 30 or 90 days for free ( I do not recall the stated trial period ). I told him I was happy with my existing provider. He said that I do not need to give up my existing service to try XXXX. They would just mail me a modem. I allowed him to send me the modem. 

About 1 week later, I received the modem but did not remove it from the box. I did not try the service. The modem remained in the box. 

XX/XX/2021 : I received a late bill from XXXX XXXX XXXX XXXX XXXX stating I have a past due balance of {$60.00} plus additional charges for the current month {$58.00} for a total of {$110.00}. 

XX/XX/2021 : I received another late bill notice for {$170.00}!!! I telephoned them to inform them that I have never used their service and the modem remained in the box. They provided instructions for me to return the modem which I did, following the instructions to return the modem to a XXXX store. I kept the shipping receipt with tracking number as proof. The modem was returned to XXXX on XX/XX/2021. 

XX/XX/2021 : I received another Past Due Notice for {$110.00} from XXXX 
XX/XX/2021 : I called them and explained the details above. The person said she will take care of the issue and to please allow 7 to 10 business days to resolve the issue. 

XX/XX/2021 : I received a Collection Agency ( Sequium Asset Solutions , LLC ) notice that I owe XXXX XXXX XXXX XXXX XXXX {$110.00} dated XX/XX/2021. They wrote that I have 30 days from receiving the notice to resolve the debt issue or they will obtain a Judgement of the debt and a Negative Credit Report will go to my credit record.
Product: Credit reporting or other personal consumer reports

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX ( original creditor : XXXX XXXX ) # XXXX has violated my rights. 
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 1

5 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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: Credit reporting, credit repair services, or other personal consumer reports

Company check my credit without my consent which put hard inquiries on my credit I would like to get them removed it was improper use of my credit XXXX, XX/XX/2019 Villy na bk, XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

I do not recognize the following 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online dispute on XX/XX/22 with Convergent in reference to a sprint account # XXXX with and balance owed of {$2900.00} that was reported to my credit file. I requested for proof of ownership and the things I requested were the original contract with my signature, the name and address of the creditors and itemized billing for that particular account, and I also requested proof of ownership, thats shows that you are the legal owner of this alleged debt, to include all the terms and conditions that are included in their purchase agreement. I received in the mail with a timestamp of XXXX XXXX that included only the itemized bill with a number I have never used. They fail to provided my the request documents with the 30days allowed to validate this as being my debt. Therefore they are required to remove this account from my credit bureau.
Product: Credit card or prepaid card

The cfpb case is cross-referenced with a previous solved case one XXXX - XXXX on XXXX of 2019 I submitted a cfpb complaint on American Express serve. in reference to card account number ending in XXXX which is currently closed. 

After filing the cfpb case I received correspondence through cfpb on XX/XX/2019 from the customer advocate services team of Amex serve services XXXX XXXX XXXX Utah. 

the letter I received after the cfpb case was closed to the previous cfpb case response from American Express serve as a reference letter number of XXXX. 

OnSunday XX/XX/2019 I called American Express serve customer service for three reasons to get print out statements for all XXXX cards closed and to verify that the open card was active. 

I also asked about a dispute but it's past the three-month deadline to dispute an item on the statement from American Express they suggested I file a complaint with the cfpb about getting a reimbursement on a fraudulent charge on my American Express statement I can supply the statement attached to this complaint twisting the fraudulent charge it wasn't XXXX XXXX use XXXX to access my XXXX to fraudulently steel XXXX.. 

it's past the deadline to dispute the transaction with American Express but I will follow the link this complaint follow up with a XXXX complaint asking for reimbursement from XXXX.
Product: Debt collection

In reference to my previous disputes with this company I am including the previous dispute numbers XXXX XXXX XXXX XXXX XXXX I am also including a invoice pertaining to my rights as a consumer being violated repeatedly from the start of this process. This company has caused me damaged of time that I will never be able to recoup.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). 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. ( FCRA, 15 U.S.C. 1681 ) .Yet again, Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ( FCRA, 15 U.S.C . 1681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).
Product: Money transfer, virtual currency, or money service

This about Paypal, i was sent a email that XX/XX/2022 from them that i can no longer do business with Paypal because of a violation of paypal acceptable use policy. I called them immediately and the person on the phone could not tell me why but i can not use the service. I told them you should be able to tell me and at this point i had no idea what happen. Then i get a 2nd email on XXXX XXXX that the services are limited temporary so i called again and really could not get any where. On XX/XX/XXXX i get a email of a open case because of a delay in my response to a buyer. Finally, they started saying i have a businss and selling stuff. I told them I have never owned a businsess and do not sell anything on paypal. Somebody was requesting a {$6.00} refund for something i have no idea what it was for. I told paypal that is fruad, but they do not listen or pay attention. They started sending me emails to restore my account so they wanted me to give them a temp username and password for my business and remove paypal from the site. I do not have a temp user name or password to give, cause i dont have a business. i am frustrued and angry that NO one will listen to me. I told them if some one is requesting money from me or a service prroduct that is FRAUD. So to help this ther operson that is doing FRAUD they refurnd their {$6.00}. I did tell Paypay that on XXXX XXXX that i purchsed a movie service with XXXX and I used my payplay account to pay, I inadversly submitted the payment twice because I thougth it did not go thru. That money has been refunded to my paypal balance but they will not let me get it. I asked could this be maybe the reason by account is limited but they NEVER could help at all. I keep getting a email to restore account and I keep giving the same info and nothing ever happens. I need my paypal account restored and my refund to, There are several XXXX transactions that i have no idea what that is far. No one knows anything, I did speak to a person about 2 weeks ago that was all eager to help and i did what they said and nothing happen. {$14.00} refund is for me
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX XXXX XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXXXXXX XXXX XXXXXXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX XXXX XXXXXXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed a hard inquiry on my report from Transunion that I never authorized. I was shocked. So I have filed FTC Report and I have included in this package. 
I'm representing myself by myself and I do not involved any third party for this matter. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. 
Here is the name of these inquiry : XXXX XXXX XXXX : XXXX. XXXX, 2022 This item must be removed from my report as soon as possible.
Product: Debt collection

After disputing this account with ( ERC  ) Enha nced Recovery Corporation, ERC sent me a letter dated  XXXX   XXXX   2017, sta ting they have " requested for the  XXXX   XXXX  account to be deleted from any consumer reporting agency files to which they  may have submitted information to ''. I have attached the letter in this complaint. I sent this  letter to  XXXX  and they refused to delete this collection tradeline from my report.  XXXX  stated that ERC does not want and have not requested for this account to be deleted as ERC promised to do in the letter that was sent to me.  XXXX  stated that they can not honor my request even with the letter since ERC did not submit a deletion of request to them. They are going back on their word even after notifying me that they have requested for this deletion.
Product: Debt collection

After reviewing my credit report per XXXX  XXXX XXXX. A degoratory mark was placed on my credit reports..After looking at what might this concerns, it appears that this account was transferred/sold and I am no longer responsible for this account. Also the debitor/creditor did not notify me of this collection account, nor was there an attempt to verify the collection. I have no form of communication of this account or a record of my signature of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen. While I was trying to purchase my first home through a first time homeowners program I was told when they pulled my credit that there was no way I could become a homeowner with all the derogatory items on my account. The accounts showing on my report do not belong to me. They are fraudulent accounts please remove them from my report. 

XXXX XXXX XXXX {$2600.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$790.00} XXXX  XXXX {$14000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}