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

Dear Transunion I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX Balance {$1600.00} Open XX/XX/XXXX, is not complete and accurate. Also there are inquires from XXXX XXXX on XX/XX/XXXX and XXXX on XXXX XXXX, XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX and XXXX on XX/XX/XXXX not my inquries remove and update my credit report. 
And XXXX more thing according to 15 USC 1681s-2 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. I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent letter by registered US Mail asking them to make sure everything is complete and accurate. They sent me investigation back and said everything is complete and accurate everything is not complete and accurate And according to and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. 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

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 : XXXX XXXX XXXX Account # Starting in 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 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 have never had an account with this company and filed a dispute with all credit agencies requesting it be removed. A Cease and Desist Letter was sent on XXXX/XXXX/XXXX as it appears to be a former account but is well over the principle amount owed. 

My credit reports note the debt is disputed and I have not been informed of the terms associated with this debt. 

On XXXX/XXXX/XXXX, The Consumer Financial Protection Bureau issued an enforcement order against Encore Capital Group , Inc. headquartered in XXXX XXXX, Calif. And its subsidiaries, Midland Funding LLC , Midland Credit Management , and Asset Acceptance Capital Corp.The XXXX can be found at the following link : : XXXX In XX/XX/XXXX, I had been cleared for bankruptcy after employment loss and medical issues and due to possible identity theft and issues with my bank account, I was forced to delay filing. 

I informed all of creditors of my employment loss and that I was not refusing to pay any valid debts. I regret not being able to pay the original creditor and settled with those in which I was financially able to pay. I have reconsidered filing for Chapter XXXX and will file within the next 6 months. 

I have consulted an attorney concerning a possible lawsuit in this case given bogus debt collectors and unwarranted fees I never owed are the reason for my current financial situation and I find it especially distasteful to hit people when they are most vulnerable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXX XXXX Credit reporting agencies are required to remove any accounts listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted in from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I opened a checking account XXXX, XXXX 2023 using the promo code XXXX at Axos bank. According to the term, i should receive {$100.00} once i completes all the requirement. I had a {$1500.00} direct deposit to this XXXX account on XX/XX/2023. According to their term, " All eligible awards will be delivered to your Rewards Checking account within 60 days once all eligible requirements have been met ''. However, until the today, I have not received the bonus. Please help me get the bonus i should have gotten.
Product: Checking or savings account

My account was locked 3 different times, the first two times I had to call in and verify myself which then unlocked my accounts. 3rd time on XX/XX/XXXX I was told to submit a appeal form to verify my ID and address. I do so, and am then told on XX/XX/XXXX that the restriction can not be removed. I sent another appeal form on XX/XX/XXXX as I need to pay my credit card bill somehow. I received a response asking if I tried to apply for a membership in XXXX, and if I did not I would need to fill out a fraud form. I told Navy federal that there is no fraud, my brother and I have the same name and birthday. I was told to call in, and spoke to a nice gentleman for 1 hour and 8 mins and he could not figure out how to handle this issue and told me to now call back next week. It's been almost a month without access and now Navy is telling me they can not find my account, or credit card number when I call in.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$28000.00} ; XXXX XXXXXXXX Balance {$28000.00} ; Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Filed on XX/XX/XXXX Reference number : XXXX ; Bankruptcy XXXX  XXXXdischarged XXXX XXXX XXXX XXXX  XXXX Filed on XX/XX/XXXX Reference number : XXXX ; Discharged XXXX : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of the credit bureausEquifax, Experian, and TransUnionto remove unauthorized credit inquiries from my credit report. As a victim of identity theft, I recently reviewed my credit report and identified three hard inquiries that I did not authorize. These fraudulent inquiries are harming my ability to obtain new credit, and despite my efforts to address this issue, the credit bureaus have not corrected my report. 

On XX/XX/year>, I filed an Identity Theft Report with the Federal Trade Commission ( FTC Report Number : XXXX ), documenting this crime. The unauthorized inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> I am writing to request the immediate removal of these unapproved inquiries from my credit reports maintained by Equifax, Experian, and TransUnion. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate and remove inaccurate or fraudulent information within 30 days of a dispute. These inquiries are clearly fraudulent, as evidenced by my FTC Identity Theft Report, yet they remain on my report, causing ongoing damage to my creditworthiness. 

I urge the CFPB to investigate the credit bureaus handling of this matter and ensure they comply with their legal obligations to correct my credit report. I request that these inquiries be removed within 30 days and that I receive an updated copy of my credit report from each bureau once the corrections are made.
Product: Credit reporting or other personal consumer reports

Dispute of XXXX XXXX Credit Card Account Reporting Dear Credit Reporting Agency I am writing to formally dispute the reporting of my XXXX XXXX XXXX XXXX  account , which was opened on XXXX XXXX XXXX  with a current balance of {$1200.00}. This account has been reported in violation of the Uniform Commercial Code ( UCC ) and several provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, 15 USC 1604 ( a ), and 15 USC 1666 ( b ). According to 15 USC 1681, I have a right to privacy regarding my financial information. I did not provide permission to XXXX XXXX to furnish my account information to credit reporting agencies, which is mandated under 15 USC 1604 ( a ). Additionally, under 15 USC 1666 ( b ), a creditor can not treat a late payment on an open-ended account as late for any purposes, and I believe this has been incorrectly applied in my case. As such, I am requesting that you conduct an investigation into this matter and remove the XXXX XXXX Credit Card account from my credit report. I have not authorized the reporting of this account, and it is essential that my rights under the UCC and FCRA are respected. Please provide a thorough investigation and written confirmation of the results. If the account is found to be inaccurately reported or unverified, I expect it to be removed from all credit reporting agencies promptly. Thank you for your immediate attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've sent multiple request for removal of fraudulent information on report.
There 's   XXXX   items that are still reporting when they 're not.
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  XXXX   XXXX     XXXX   XXXX       XXXX   XXXX   I 've sent my identity theft affidavit and police reports multiple times as stated earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around 3 years ago I was contacted by an attorney about a class action law suit against XXXX XXXX, now called XXXX. The law suit claimed XXXX to be guilty of predatory loan practices, which made sense as my student loan interest rates were around 10 %. XXXX was served with a cease and desist on collecting debts from me that was signed by a judge. The lawyer asked me to stop paying my private loans. I did. I was never contacted by XXXX since that letter, so I know they received it. 2 years go by and the lawyer stops helping me, taking nearly {$4000.00} of my money. I realize her advice has been terrible. I file a complaint with the California state bar. Since then she has been disbarred for her actions. Around a year ago I contact XXXX and explain the situation. They said if I sent them a letter and paid my bills off including their fees that I would be fine. This past week I find out they have 2 reports that I defaulted on my student loans, even though I paid all my bills off including fees and have been paying them what I owe every month online. Their website says I am current on my statement. I call multiple times attempting to resolve this situation, repeatedly being told their is nothing they can do. They still send me a bill every month for the private loans, even though they have written the debt off and set it to a collection agency. At the least their actions are highly unethical.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Re : Notice of Default - Right to Cure dated XX/XX/2020 Please be advised this notice/action is being disputed. This serves as written notification to Select Portfolio Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX None the previous correspondence has been sufficiently answered. SPS actions, are unwarranted, unwanted and continue to be erroneous and suspicious of fraudulent activity. 

As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of HSBC ( Beneficial ) and XXXX XXXX Servicing, XXXX XXXX XXXX XXXX continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of HSBC and XXXX. Based on this information, as Fiduciary of the Estate of XXXX XXXX XXXX, I deny any and all claims by HSBC and/or XXXX or affiliates and/or associates for any debts claimed by these untrustworthy entities. XXXX including but not limited to, HSBC, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached. 

1. Provide a full and detailed accounting of this alleged account.

2. Provide any and all inspections conducted on misidentified property in the last 12 months with reason why they are being conducted.

3. Explain the legal description contained in alleged security instrument and explain how it differs from the property XXXX continues to fraudulently inspect and erroneously pretend to service. XXXX has been repeated told the legal description noted in the security instrument is not the legal description of XXXX XXXX XXXX XXXX. They refuse to research and provide legitimate response.
Product: Checking or savings account

So I have a checking account with chime and I had fraudulent withdrawals taking from me when I live in California and the charges were made in Alabama. They have denied my dispute several times with that. So Chime cancels my card and sends me a new one. I received my new card yesterday XX/XX/24 & I went to the atm to withdrawal my money & was unable too. They had put my account on a fraud alert so when I had got into contact with chime they arent helping me at all. Ive talked to several different people on the phone and there no help they continue to tell me the same thing the previous person says on the phone that I cant get the money off if Im not receiving the fraud text messages which I told them I havent been receiving it. They refuse to let me talk to a supervisor and are refusing to let me get my money off of my card. I just want my hard earned money I worked for. They already got me for {$400.00} and now making it harder for me to get my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX Is erroneously reporting on my credit report that I have an account open with them owing {$7400.00}. 

I have no knowledge of this account. I have disputed the account and reporting with the merchant via XXXX different credit bureaus and they are violating FCRA by not providing a full validation of the debt showing the documents of whom and where this debt was applied for. Contract. Signature. Identification of whom signed. Etc. they've also filed to provide names and contact information for any person or entities they used to allegedly " VALIDATE '' This debt as my responsibility. Methods for which this validation process was completed.

Furthermore, upon researching this creditor, it seems as though this is a medical billing account to which I have no knowledge. They are reporting this in violation of The HIPAA Privacy Rule ( 164.524 ).

I am here by demanding that this account be IMMEDIATELY REMOVED from my credit reporting and that they CEASE to report any negative information on this account. Otherwise I will be forced to take legal action and report this issue to higher governing bodies for immediate legal recourse.
Product: Debt collection

I don't recall having a contractual relationship with this collection company RENTRECOVERYSOLUTION. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

I sent in proof via XXXX proving the violation of my consumers rights via ; affidavit of truth, corrected presentment, and debt validation/ cease and decease letters. Midland credit still proceeded to contact me via email after i have unsubscribed multiple times and not once ever opting into their mail list in the first place. I sent specific instructions on how to contact me via XXXX only, but they have proceed to disobey the instructions provided.
Product: Credit reporting or other personal consumer reports

Pursuant to the FCRA ( Fair Credit Reporting Act ), it is the duty of TRANSUNION to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 3 inaccurate late payments for the XXXX  XXXX account beginning in XXXX. This includes a 30 DAY late payment posted in XX/XX/XXXX ( XXXX XXXX XXXXXXXX Attached ), a 30 DAY late payment posted in XX/XX/XXXX ( XXXX XXXX XXXX XXXX ), and a 30 DAY late payment posted in XX/XX/XXXX ( XXXX XXXX XXXX XXXX  ). This is incorrect and is supposed to be reported as PAID AS AGREED or have a rating of OK. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate and false reporting of late payments on XXXX XXXX XXXX ( Certified Mail # XXXX ), XXXX XX/XX/XXXX ( Certified Mail # XXXX ), as well as a previous CFPB complaint on XXXX XX/XX/XXXX ( # XXXX ), however they have continued to ignore my requests. While, XXXX has CORRECTLY reported this account ( XXXX XXXX XXXX XXXX ) on my consumer report, TRANSUNION has yet to update and remove these late payments from my consumer report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). XXXX has clearly verified the accuracy of my credit report while TRANSUNION only claims it has yet, there are still false and negative inaccuracies in my report. It is because of this inaccuracy that is causing my wife and myself an enormous amount of mental stress, XXXX, and pain. I fear that if these inaccurate late payments arent removed soon, that we will be homeless due to these negative and false reporting methods from TRANSUNION.
Product: Debt collection

Persolve Legal Group XXXX is reporting an open balance of {$7000.00} from an original debtor of XXXX XXXX XXXX. I have disputed this claim twice with Persolve Legal Group, on XX/XX/XXXX and XX/XX/XXXX yet it remains on my credit. 

This claim stems from a vehicle that was purchased on XX/XX/XXXX for a XXXX XXXX XXXX purchased from XXXX and financed by XXXX XXXX XXXX. This vehicle was a covered by a XXXX XXXX XXXX XXXX and this vehicle is no longer in my possession as a result of a loss that the lienholder, XXXX received the price of the loss from XXXX as a result of this loss! I spoke with XXXX today, XX/XX/XXXX, by phone at XXXX spoke with XXXX XXXX, XXXX of XXXX Customer Service, and XXXX XXXX advised me that XXXX XXXX XXXX, as the lienholder of my vehicle, recovered the price of the loss of the vehicle, via the GAP insurance policy issued by XXXX, on XX/XX/XXXX, policy # XXXX. I requested verification in writing, as the customer of the policy and was advised that since XXXX XXXX XXXX received the funds, they could not release this information to me. However, this debt has been paid and needs to be deleted immediately and imminently! 


This same account was reported by another agency, which I disputed in XX/XX/XXXX that collection agency from XX/XX/XXXX was forced to remove this collection account from my credit and then it was sent to XXXX XXXX XXXX, who keeps reporting this completely false information!