23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts that have been fraudulently reported and reinserted into my credit report without proper communication, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( 605B ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
The accounts in question are : Creditor : XXXX XXXX Account Number : XXXX Date Reported : XXXX. XXXX, XXXX Current Status : CHARGE OFF These accounts were previously removed from my credit report as a result of an identity theft dispute under 15 U.S.C. 1681c-2 ( 605B ). However, I recently discovered that they have been reinserted without any notification, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), which mandates that I be informed of any reinsertion within five business days. To date, I have not received this notification, and such failure constitutes a violation of my consumer rights. 
Legal Requirements Regarding Reinsertion of Accounts According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), credit reporting agencies must meet certain conditions before reinserting previously deleted information : 1. Certification Requirement : The furnisher of the information must certify that the information is accurate and complete before it can be reinserted.

2. Consumer Notification : The CRA is required to notify the consumer in writing or electronically within 5 business days of the reinsertion, including the name, address, and telephone number of the furnisher of the information.

Furthermore, the reinsertion of these accounts as charge-offs is also unlawful. Charge-offs representing income are prohibited from being included in a consumer 's credit report under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ). These accounts should not have been reported as charge-offs in the first place.

Relevant Case Law The courts have reinforced these protections in several cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : This case established that credit reporting agencies must follow reasonable procedures to ensure accuracy, and failing to do so, especially by reinserting inaccurate or unverifiable information, can result in liability for damages. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : The court ruled that CRAs must notify consumers when reinserted information is placed back onto their report. Failure to notify a consumer within XXXX days is a violation of the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case supports the claim that failure to properly notify a consumer or reinsert disputed and previously deleted information violates their rights under the FCRA.
Product: Credit reporting or other personal consumer reports

The account was listed in a XXXX XXXX and they are reporting info durning the XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

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

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX Bank, XXXX, XXXX Bankruptcy Chapter XXXX, XXXX XXXX XXXX XXXX, XXXX.
Product: Debt collection

From my Knowledge the debt I owe is because the apartment complex had a choice if the students wanted to get furniture in there apartment and I HAD MY OWN FURNITURE and I DID NOT have any of the there furniture! I lived in that apartment with 3 other roommates and they were all very sketchy and it was a student housing property
Product: Checking or savings account

My account has been on hold and funds not available since XXXX XX/XX/2021 I receive a ppp loan in my savings account for XXXX capital one has given me a run around and has said to close my account but yet I havent received a payout check and my account isnt closed yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with all three Bureaus including XXXX, Equifax, and XXXX. I'm a victim of Identity Theft, and was informed by all three bureaus to submit a ID Theft Report from the FTC along with a Police Report to remove the fraudulent accounts from my credit reports. 

I submitted the last FTC ID Theft Report, along with my Police Reports back on XX/XX/2021. I never received any correspondence from the bureaus. I called them approximately 45 days later and to no avail all I got was the run around and they were continuing to process my disputes. From that point I kept waiting to receive some form of correspondence in the mail and still never received any correspondence whatsoever. 

I then decided to try to contact the collection account by the name of XXXX XXXX directly that's reporting on my credit report due to fraud. I spoke with a the Collections Manager by the name of XXXX XXXX XXXX who informed me to send a copy of the Police Report, and she would look to remove the collection account from my credit report. Again, I never heard back from the Collections Manager as it relates to this and the other fraudulent accounts on my credit report.
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 consumers 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 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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

Information that I previously informed you the Consumer Reporting Agency on or around XX/XX/2023 that was a result of alleged identity theft pursuant to 15 U.S.C. 1681c-2 and providing to you all the appropriate document inclusive of a FTC identity theft report and police report has no been reinserted into my consumer file as evidence on my consumer report.

I have not received any form of written or unwritten notification from you the consumer reporting agency in compliance with the FCRA section 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( Requirements Relating to Reinsertion of Previously Deleted Material ) section ( ii ) Notice to consumer. 

Information furnished by : XXXX XXXX XXXX ; Date Assigned; XX/XX/2023 ; Amount : {$860.00} ; Account Type : Collections.
Product: Debt collection

I found a collection in my report, which no one told me would be included in my credit. I wasn't notified and I don't know where it came from.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I agreed to a purchase on XXXX marketplace for XXXX $ for a graphics card the seller had. I used venmo for the transaction, knowing their buyer protection would help keep me safe. I went ahead and made sure I checked on the buyer protection as I was worried the seller might try to rip me off. I am sure I turned the buyer protection on. 

Afterwards, the transaction said that it was between friends and family, and the seller never delivered the product. They then deactivated their venmo  and XXXX account and disappeared. Or rather, they changed their venmo from XXXX XXXX to XXXX and seemed to delete it. 

I contacted venmo customer support explaining what happened and they said that it was impossible that I checked buyer protection, and that I was essentially out of luck and won't get my money back. 

So I went online, and I not only found other people with this issue describing what was a bug in their system ( at best, or maliciously deactivating it at worse to remove liability for transactions they consider suspect ) but I found a video of someone turning the buyer protection on, sending money, and then having the transaction show as between friends and family. 

The same issue I had. So I believe this is a bug in venmo 's system that they refuse to acknowledge and cost me XXXX XXXX I NEVER would have used venmo if I knew there was a chance of this happening. My trust is now irrevocably destroyed in this platform. 


Here is a link to a public video proving that this bug exists XXXX XXXX XXXX XXXX XXXX I have also attached it to my files uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against EQUIFAX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. This company continues to electronically verify this " ghost '' account without providing any legally binding evidence, such a signed contract and a complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, this company refuses to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. Its causing me so enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

A letter was sent to XXXX in regards to a bankruptcy that is being reported on my credit reports ; XXXX, XXXX, XXXX and TransUnion every month this year ( 2024 ) stating that they didn't have my consent to report the bankruptcy. I received a letter from the US Bankruptcy Court and they stated that they didn't provide the bankruptcy information to ANY of the credit agencies. This should be removed as they didn't have my consent or the Bankruptcy Court to report this on their credit reporting platforms.
Product: Debt collection

In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXXXXXX XXXX XXXX XXXXermore , both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions.

Inquiries that I have not authorized also have affected my credit standing and never get a response form the agency mentioned on this complaint Im tired of run a rounds please help
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous attempts to remove fraudulent items from my account. Despite four prior requests, these items have not yet been addressed. I urge you to prioritize the resolution of this issue and ensure the fraudulent items are removed from my account immediately. Your prompt attention to this matter would be greatly appreciated. Kindly help me remove the following items immediately : XXXXXXXX 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 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 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 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 have incorrect information on reporting on my credit.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to see inaccurate accounts listed. I've always been vigilant about checking my credit, and this came out of nowhere. I even refreshed the page, hoping it was just a browser issue, but the errors persisted. This is extremely concerning, and I need the documents I've sent to be carefully reviewed so I don't have to live with this fear.
Product: Bank account or service

On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received ( promotion XXXX ). The promotion promised an award of XXXX XXXX XXXX miles upon completion of {$1000.00} dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. 

I completed all the necessary requirements on XXXX XXXX, 2016. According to the terms and conditions of this offer, the checking account would have to remain open for additional ( 90 ) days after all requirements have been met. Therefore, by XXXX 2016, I should have received XXXX AAdvantage miles in my account. However, no miles to date have been received. I have contacted Citi Bank about this issue and they are now claiming that this promotion was not offered in conjunction with my account.
Product: Debt collection

I'm currently having an issue with a collection company. They're reporting erroneous information to my credit report that needs to be removed promptly. Its violates 4 counts of the FCRA ( Federal Credit Report Act ) as well as HIPAA ( Health Insurance Portability Accountability ACT 1996 ) Under Section 602 - Reporting Inaccurately.

Section 603 ( A ) ( B ) ( C ) - Sharing Medical Information Section 604 ( 2 ) - Creditor is prohibited from using medical information for eligibility for credit or continued credit.

Section 605 ( 6 ) ( A ) - Provide sufficient information of such service provided Name, Address or Phone.

HIPAA ACT 1996- A health care provider or health plan may share relevant information if : given permission to share the information.

They must have a HIPAA " Released Form '' signed by me. Which they don't have NOT a " Privacy Notice Form ''.

Sharing my information with a company is in fact fraudulent. Also not having the correct address or phone number which is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made any reporting agencies, Experian, XXXX, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. you must proof that you legally own this alleged debt and that it is accurate and complete. Thank you for your understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no such entry of record USBK Court XXXX Tennessee Docket # XXXX from the United States Bankruptcy Court for this account in my name. 

I have certified documentation from the United Stated Bankruptcy Court that supports my dispute of this erroneous entry on my report. 

If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act )
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 the USC 1681.

XXXX account # XXXX  has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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 have recieved five calls from a company representing themselves as Premier Portfolio Group asking for my husband. When I stated that was not his number they proceeded to tell me he bounced a check, they have his social, and they are with an attorney who is filing a law suit at the end of the day today ( however they 've said this for several days in a row now ). When I asked them to stop calling and informed them that it was illegal for them to leave these messages they curse at me and then hang up. 

My husband and I have a joint account and there are no outstanding bad checks on that account, so this can not be a legitimate debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REVIEWING MY CREDIT REPORT FROM XXXX AND EQUIFAX, I FOUND UNAUTHORIZED ACCOUNTS AND INQUIRIES. I MADE NUMEROUS ATTEMPTS TO RESOLVING THIS MATTER AND NO SUCCESS. THESE ACCOUNTS DOESN'T BELONG TO ME AND I NEED THIS REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my consumer report and saw that this company reports debt owed. I did not enter in any contract with this company. Please provide any documentation with my written consent entering in contract with and allowing your company to furnish my information or remove this all ILLEGALY SHARED information from my credit report and send me an updated report.
Product: Vehicle loan or lease

The company Credit Acceptance is improperly showing that I owe monies for the XXXX XXXX. This is showing that I owe monies on this account when I don't because it was included in my bankruptcy.
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX  Date of Inquiry XX/XX/XXXX, 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 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 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 & XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my XXXX trading account XXXX was hacked into and compromised, someone unknown was able to send a total amount of {$3100.00} to an unknown address I am not aware of. 
I contacted XXXX right away and the customer rep decided to close down my account due to my account being hacked. I also contacted my bank, Wells Fargo, and attempted to file a dispute. I was given a provisional credit however I received a letter in the mail on XX/XX/year> claiming that they requested information from me however I never heard anything from them at all and decided to base the decision of deducting the credit from my account. I do not agree with this decision as I have been a victim of a fraud and would like to appeal this decision.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 XXXXXX/XX/year>