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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( XXXX you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX : Account number : XXXX, -. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX  : Account number : XXXX, -. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 



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

You are in violation of my rights under the FCRA and FDCPA. 

I HAVE ATTACHED MY LICENSE AND PROOF OF ADDRESS TO THIS COMPLAINT. 

Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Since you have assumed the role of reporting this information to my consumer report without my consent, by law you are required to report accurate information to my consumer report, with regard to my confidentiality as a consumer. 

Please provide in detail the procedures that were used in order to validate NOT verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, it is not only detrimental to me as a consumer, but an invasion of my privacy. The reporting of these unverified accounts are a defamation of character, and bears negatively on my reputation and mode of living as a consumer. It is unlaw to report any unverified information to my consumer report, as unverified information is identity theft and an act of constructive fraud. So these accounts must be removed immediately. Under the FCRA, and the Gramm-Leach-Blilely Act I have the right to opt out of any reporting of information to my credit report. As written by congress the failure to comply with the removal of these unverified accounts makes you liable under section 1692k of title 15 and 1681n of title 15.

So as a consumer I am demanding that the following accounts be removed within 4 business days after the receipt of this complaint. As by law notice is taken place at the receipt of this complaint. As a consumer I also do not consent to any of these accounts being put into dispute for any reason, as the violations said in this complaint are clear. If you fail to comply I will go to my Attorney General for further action. 

Please also do not try to contest this complaint by saying this was sent by a 3rd party or by someone else. You tried that when I initially contacted you directly and this is why I moved to file a complaint with the CFPB. I am consumer who knows their rights, and did not give any consent to these unverified accounts to be included in my consumer report, and I am opting out of the reporting of these unverified accounts. 

XXXX XXXX XXXX I XXXX UNIVERSITY XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I also attached a identity theft report because your company has stolen my identity, and I did not give your company any consent to include any of the unverified accounts above to my consumer report. NO CONSENT IS IDENTITY THEFT
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I entered into and investment contract with " XXXX XXXX  '' ( the " Company '' ), to transfer {$120000.00} USD. Entering the online trading sphere comes with many hopes but due to Company 's shady activities and dealings, I lost my money within a very short period of time. I advised Bank of America of this fact on XX/XX/2021 and have not received any satisfactory response so far. Bank of America could have protected me from this. Unlike me, the bank knows about the existence of such scams and how they prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact was made by Bank of America to contact me regarding my transactions. The treatment from Bank of America is compounded by trauma and anxiety and has left me in the awful situation I now find myself in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave XXXX, XXXX, TRANSUNION any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3300.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$9100.00} XXXX XXXX XXXX # XXXX  XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I actually have 3 accounts with Medicredit on XX/XX/XXXX sent them certified letter and they sent a letter back saying it would be deleted, but they didn't put the names of the accounts and I have tried calling them with no help. I also have disputed with XXXX, XXXX, XXXX sent them certified letter too. I need help with this company. 
MEDICREDIT INC Reported : XXXX. XXXX, XXXX {$1200.00} Needs Attention MEDICREDIT INC Reported : XXXX. XXXX, XXXX {$51.00} Needs Attention MEDICREDIT INC Reported : XXXX. XXXX, XXXX {$210.00} Needs Attention
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act these accounts has violated my rights. 
XXXX XXXX  XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 These accounts are not accurate and please remove them XXXX 


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't furnish a account without my written consent.

15 U.S. Code 1681 A Exclusions- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report Reinvestigate the completeness of every piece of information
Product: Mortgage

In the beginning of   XXXX   XXXX  , I began working with   XXXX   XXXX    from Bayview Loan Servicing , LLC. I am a  XXXX , and for about 2 months I had been working with  XXXX  because   XXXX   XXXX  , a seller who has an account/mortgage with Bayview wanted to do a short sale and sell his house to his tenant. For 2 months,  XXXX  lead me on assuring me that if I submitted everything he requested and had a complete file, he would stop the house from going into an auction sale, and the short sale between my clients, the seller and buyer, would be completed. I communicated with  XXXX  almost daily over the phone, which was always recorded by Bayview, and through email.   XXXX   XXXX   XXXX   was the deadline for us to have a complete file in order to stop the auction sale. On   XXXX   XXXX   XXXX  ,  XXXX  sent me an email stating that the sale had been postponed and the house would not go on auction sale on   XXXX   XXXX   XXXX  . After   XXXX   XXXX   XXXX  , I continued to schedule appointments to speak with   XXXX   as I always did, but he would not call me, until yesterday,   XXXX   XXXX   XXXX  , he had his supervisor call me to tell me in an aggressive tone of voice that the house was sold on   XXXX   XXXX   XXXX   and that there was nothing else to be discussed between me and them. So ultimately, I 'm filing this complaint because  XXXX  and Bayview had me working for 2 months and were not truthful throughout the whole process. They took advantage of my clients and performed misrepresentation.
Product: Checking or savings account

My acct was hacked with my actual acct number on XX/XX/XXXX. I was told they would close it out after everything cleared. They told me to go open a new acct at the bank. So my husband an i went and opened a new acct. I ask the guy what happens to the money that was taken an the money i have in the acct. He said after everything clears it will go in my open acct. So on XX/XX/XXXX i called an ask why i owed XXXX something to a closed acct. They said its not closed. Now they have been hitting me with fees every month on a acct thats supposed to be closed so i said i want all my money back an take that money u said i owe off i had to get a supervisor who said he t Put back all the fees and money well he didnt. Now again i owe more money on XX/XX/XXXX so i called again and the fraud department said they would take care of this. So yesterday XX/XX/XXXX my husband got paid and he works in XXXX an needed gas he got declined hes beyond XXXX. I call and get XXXX an i told her im sick of this an she said i need to talk to your husband now granted we did the same thing last month and he told them to talk to me for anything she would not help so i hung up and called back this guy said we cant take the fraud pertection off his card. Ive never heard of this its my acct and noone is helping on this closed acct. I have had nothing but problems bouning stuff an its all on bill pay please help us i cant take this bank i need this all fixed an the money they owe me so i can close out an go to my other bank. This bank i have never had this kind of problems. Its also the credit card to. I dont have the acct number for this closed acct
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your responds to CFPB with closed complaints with authorization needed, Is it not clear that I have attached my Driver 's License and Social ID to certify that is in fact me submitting the disputes and you guys closing it and did not precede with your investigation as per my request you to reinvestigate. I am writing to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit rating.
Product: Credit card or prepaid card

Barclays has tried twice to fraudulently open account in my name. Without my permission or knowledge, I believe the Barclays is intentionally trying to open accounts in peoples names without their knowledge to expand their business just like XXXX XXXX did. 

Secondly, XXXX XXXX sent me a letter dated XX/XX/2022 stating that they would delete or suppress information regarding a credit pull in my name, and they still have not taken the credit pull off of my credit report even after numerous phone calls to Barclays they still have not done anything to remove the credit pull from my report. They only have 30 days to remove the credit pull and its been over a year.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Equifax Credit Bureau last XX/XX/2023, to update this suspicious information. I think you have not validated this account 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, and I'm including it again XXXX XXXX XXXXXXXX Balance : {$33000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of XXXX XXXX for a long time Ive had my identity stolen from me twice I just had my identity stolen XXXX  car broken into XXXXXXXX XXXX in front of my moms house I been though a lot they placing things on my credit report thats not true I wont it removed having hardship really stressful trying to do all the right things get my self together and prove my identity they are very rude and nasty IQ DATA ASK THEM PLEASE REMOVE PROPERTY DEBIT OFF MY CREDIT
Product: Debt collection

This company has contacted me about a debt and I have attempted to contact them via email and phone as their letter states for more information ( debt validation ) and they do not respond. When I call, it says to email them. They dont respond. Now they have sent a letter threatening to sue me after they refuse to send me the information I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Equifax permission to report anything on me in the first place? I need answers now!
Product: Mortgage

I have been trying to get my mortgage caught up since XXXX when I called Chase Mortgage to ask for a letter stating that my home was close to foreclosure so that I could take money from my XXXX to catch my payments up. They sent me that letter and I applied for the money and received it on XXXX XXXX, 2015. At that time I called Chase to make the payment and was told that they would have to send me a reinstatement notice which I never received and I just found out today that they sent it to a foreclosure attorney irney instead. I called the attorney ( XXXX and XXXX XXXX ) and was told they would have to order a reinstatement. In the mean time I received a notice from Chase giving me the amount that I would need to pay in full and it stated that I would need to send certified funds but it did not give me a specific address to send it to. I called Chase back at the number that was provided me to call when I received the notice ( XXXX ) Ispoke with XXXX XXXX who told me that I would need to call the attorney for that address. I called the attorney and XXXX told me that they had not received any information from Chase as of yet and if Chase had sent me this notice of amount due then they would need to provide me with an address to send it to. I called Chase back and I have since spoken with XXXX more people, XXXX of which was giving me an address to send it to when we were disconnected. I called back and of course I could not get back to that person so I had to go thru the same spill with XXXX other people who then again tell me that I will have to deal with the attorney. So at this point I have a bank that will not take my money and a foreclosure attorney who does n't know anything. I finally got to a lady ( XXXX XXXX ) at Chase who called the attorneys office herself and she was told that they do indeed have the paperwork and it will be completed in XXXX hours. Why is it such a problem for people to tell me exactly what I need to do to get this taken care of and why was I told that Chase would do XXXX thing and then they do another. I have spoken with XXXX people today just to get to XXXX XXXX who maybe is telling me facts. I made my first call at XXXX today and I just got off the phone at XXXX. I am concerned because now not only do I have to pay the late payments but I will be charged attorneys fees which I would not be paying if Chase had done what they told me they were going to do. I realize this is my fault that I am in this situation but I am trying desperately to correct it. I was told today repeatedly that the reinstatement notice was sent to me when in fact it was sent to the attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax did not fix error of the status of XXXX XXXX XXXX  on credit report as it is incorrectly listed as Charge Off. This account was paid prior to collections, and is not a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have inquiries on my Equifax report that do not belong to me. I have called the company and sent letters. I have only received letters in the mail explaining what an inquiry is. I have also called the individual companies and they said they would contact the bureaus to have them removed. 

Below is a list of inquiries that aren't mine and I didn't authorize XXXX -- I don't have an XXXX account. I did not authorize this inquiry. 
XXXX I don't have a XXXX account. I did not authorize this inquiry. 

XXXX -- I have no idea what XXXX is. I did not authorize this inquiry. This inquiry appears on my report twice. 

XXXX XXXX -- I did not authorize this inquiry. I don't have any business with XXXX. 

XXXX XXXX XXXX -- I don't know what this is. I don't have nor am I looking for a mortgage. I did not authorize this inquiry. 

XXXX -- I did not authorize this inquiry XXXX XXXX -- I did not authorize this inquiry. I don't have any business with this company
Product: Student loan

In XX/XX/2017, I was contacted by XXXX XXXX to consolidate my student loans. I was informed that this consolidation would not impact my Chapter XXXX bankruptcy. Unfortunately, the representative did not know what he was talking about and it definitely affected by Chapter XXXX status. I was immediately put into repayment status. However, when I contacted them to explain the mistake, they admitted that I was misinformed and stated they were unable to provide me any assistance since it was too late to reverse the consolidation. I was furious, but felt my hands were tied. Then, I attempted to contact them again to begin making repayments under the income-based plan. I was again informed that they made a mistake and consolidated my student loans with a small Parent PLUS loan taken on behalf of my daughter. Again, there was nothing they could do but offer me further forbearances. I am never going to pay back my loans as a XXXX XXXX XXXX  without additional assistance. My loans are doubling with interest and no one is taking responsibility for their mistakes. I have attempted to work this out with the lender but they are not willing or able to correct this outrageous grievance.
Product: Checking or savings account

My identity was stolen in XXXX XXXX. As a result, several fraudulent accounts were opened up in my name, fake business names and my maiden name ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ). 
I retained the services of XXXX to restore many of them. i also filed a XXXX report as well as police reports on all fraudulent account activity. i also had to freeze my credit files at XXXX, XXXX and XXXX. So i am wondering how Barclays Bank could accept an application by a fraudulent identity thief at all on XXXX XXXX. My files are all frozen. i spoke to someone today and they will not close the accounts. they referenced this number : XXXX the phone number they provided me at XXXX was XXXX. 

i want any applications denied and closed as i have not nor did not apply for any banking product, loan product or service with Barclay Bank of Delaware. I also want to know how someone can submit an application to this bank when the real person 's credit files are frozen?
Product: Credit reporting or other personal consumer reports

I am again rewriting to formally resubmit the complaint to EXPERIAN regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec.

151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.