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

XXXX XXXX XXXX XXXX XXXX XXXX Mi, XXXX Email Address : XXXX Phone Number XXXX Date XXXX Midland Credit Management , Inc . 
Attn : Consumer Support Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX And XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Dispute of Account Information on Credit Report Dear Sir/Madam , I am writing to dispute an account that has been reported on my credit report. The account is under the name of XXXX XXXX and is affiliated with your organization, Midland Credit. I am formally asserting that this account is not mine, and I do not hold any responsibility or knowledge regarding its existence. 

The disputed account has been listed on my credit report, and I believe this is a grave error that needs immediate rectification. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and verify the accuracy of this information promptly. 

The specific account information is as follows : Account Name : XXXX XXXX Account Number : [ XXXX ] U/N Reported By : Midland Credit/ closed by XXXX XXXX Please XXXXovide me with the documentation that your company has, which associates me with this account, or remove this account from any credit reporting agency if such documentation does not exist. As per the Fair Credit Reporting Act, you are required to promptly correct or delete any inaccurate, incomplete, or unverifiable information. 

If you find that this account indeed does not belong to me, I request that you contact all of the credit reporting agencies to which you have reported this account and inform them of your findings to ensure this error is rectified across all my reports. 

Please send me a written confirmation once this issue has been resolved. I look forward to your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX please update any information you may have wrongful provided to cc : XXXX, XXXX, XXXX Im my behalf to correct this error Also
Product: Credit card or prepaid card

Aspire credit card has not allow me to file my dispute due to my credit card being stolen. I submitting a verbal and written notification of dispute under regulation E. Aspire has not agreed to their terms and agreements under regulation Z.
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX XXXX XXXX are in violation of the Fair Credit Reporting Act by reporting this allege debt that has not been validated or verified as belonging to me. I have received no documentation or contact information for me to follow up with on how they were able to validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed a certified letter to the US Bankruptcy Court XXXX XXXX of Michigan. In my letter I requested that they provide me with the process and/or procedure they follow to verify records regarding bankruptcies, and if they supplied the information to the credit bureaus. I received a letter response from the Bankruptcy Court stating, they do not report individual bankruptcy case filing data to credit reporting agencies, nor do they update information directly to the credit bureaus. '' With that being said ; how did the credit bureaus verify the bankruptcy? According to the 15 USC 1681, my rights have been continuously violated : 15 USC 1681 ( a ) ( e ) : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I had the credit card XXXX XXXX XXXX XXXX approved by PNC Bank on XX/XX/19 and everything was paid on time and I met all of their terms and conditions ; then all of a sudden I receive a letter dated XX/XX/19 from PNC that this account has been closed immediately based upon info they received stating " NEGATIVE PUBLIC RECORD '' .with no notice as to where this incorrect info came from.This is completely incorrect as I monitor all the credit bureaus religiously ; XXXX   and XXXX thru XXXX XXXX and the other XXXX directly and their is no notification as such as PNC states.I was put in touch with PNC rep after numerous complaints requesting the name of the credit source who disclosed this and was rebuffed by each person I spoke to. 

All I want to know is the source of this incorrect information ... ... ... .is it XXXX XXXX XXXX or XXXX ? 

Please help me with this request as this is an abuse of the Protection Act
Product: Credit card or prepaid card

I received an email stating that a charge was made on Walmart for {$6100.00} for a TV that I did not order. There was a phone number listed to call to confirm or deny the charge. It was a Walmart phone number XXXX and a person with all my spoke had such a thick accent I could not understand her and she would not put someone else on the phone. She said there were three different numbers that could have been used but couldnt tell what credit card that was used. None of it made sense. I contacted the two most likely credit cards and that amount had not shown up. The Order # isXXXX. Txn id is XXXX. Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to Equifax. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect date of last activity, and incorrect account status for account ( XXXX XXXX XXXXXXXX ). Because the date of last activity, and account status being reported by your company, XXXX and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Also in the creditor remarks you put " Account information disputed by consumer, meets FCRA requirements ''. This account is being reported with inaccurate information is actually violating my FCRA rights, which means this the information being reported should be the same across the board and be 100 % accurate or you are subject to {$1000.00} per violation. Delete this account immediately!
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I sent these credit reporting agencies credit karma, XXXX, equifax, and XXXX to remove these items off of my credit report that include all addresses, birthday, name, employment and hard inquiries, as I did not give permission and I did not give permission to share with XXXX XXXX corporations remove now or pay fines! 
They are also stating there are late payments as well this information is inaccurate 15 U.S. Code 6801 - Protection of nonpublic personal information. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

( 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. 

If you were seriously harmedsay, the credit reporting agency continued to give out incomplete or inaccurate information after you requested correctionsyou might consider filing a lawsuit.
Product: Debt collection

XX/XX/XXXX - XXXX XXXXXXXX XXXX ( XXXX, AL ) attempted to collect a debt owed to XXXX for {$100.00}. I informed them that I've never had a XXXX account and this was the result of identity theft.

At that time, I took the following actions : 1. Reported fraud to XXXX 2. Filed a police report 3. Disputed the debt
to all three credit bureaus and froze my credit file 4. Reported fraud to the FTC Based on these actions, the dispute was revolved in my favor. 

XX/XX/XXXX - Source Receivables Management ( XXXX, NC ) is attempting to collect the same debt. I believe they purchased the debt from the previous collector. I shouldn't have to dispute this debt again after it was cleared two years ago.
Product: Mortgage

Had I known that I would be out ~ {$3000.00} in closing costs, I would not have moved forward with the refinance. Since I was not informed of this extreme discrepancy until 2 days before closing, I didn't see any option but to move forward. 
-- Timeline of communication : He initially said that he expected me to need {$0.00} at closing : XX/XX/XXXX - " My expectation would be that we can XXXX out the amount needed from you at closing so you would not even have to bring {$4.00}. '' He then mentioned nothing else about closing costs until 4 days before when he once again reiterated that he anticipated my net out of pocket to be close to {$0.00} : XX/XX/XXXX - " ... roughly about {$1800.00} coming back your way within the weeks after closing to reimburse the amount that you may need to bring to closing. '' Then two days before closing he casually mentioned that the amount is close to $ XXXX, roughly $ XXXX more than was communicated to me throughout the process : XX/XX/XXXX - " The number needed at closing is {$4800.00} ''
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I saw an unauthorized transaction made on XX/XX/2022 of {$5.00} on XXXX com in XXXX, XXXX. However, I dont use the train in XXXX XXXX I dont have a receipt to prove that I made this purchase.
Product: Checking or savings account

On XX/XX/XXXX Ive made a deposit with XXXX different checks. XXXX was from XXXX XXXX  for the amount of XXXX this is related to my sons XXXX. This money it was plan to be used for his XXXX treatment ( XXXX, XXXX  ) the XXXX check was for XXXX this came from XXXX XXXX insurance. Ive been waiting for this procedure for the past XXXX XXXX  after we lost our home in a freeze storm here in XXXX tx. The checks were accepted had all signatures. They mention it probably will take up to XXXX  days for the process to be completed. On Monday XX/XX/year> we reviewed an email telling us to communicate as soon as possible with the bank because the fraud department was frozen all of sour assets including the money we had there about XXXX since that day until now and after many calls and sending documents to prove those checks were real and also holding our new paychecks for the week XX/XX/year> the mal its not willing to contact any of the institutions who we are part of this transactions such us mortgage company, insurance company, XXXX, chase doesnt want to return the money to our employers so they can give us a check to be able to cash it. I have no money for food, doctors or anything. I dont know what elses to do. Please help
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/2023 about XXXX XXXXXXXX  had a call from XXXX XXXX XXXX asking if I had made a {$600.00} purchase of perfume at XXXX on XXXX  credit card, then started asking for SS #, date of birth, mothers maiden name and no. of additional credit card and I did not give it to the person and she said if I did not they could not take the {$600.00} charge of the XXXX card. 
So I said just leave it on and we will dispute it. I hung up, checked XXXX and no purchase as described in that account. Called the Credit card and they had no record of activity. So my belief is, they were just trying to get the number of my XXXX. 
the lady had a heavy foreign accent. 
I am concerned that they are trying to gather info about our families financial history. 
I hope that whom ever use this phone no. to call can be discovered.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX sincerly XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

On my XXXX credit report paid off. On my Transunion credit report charge off.
Product: Debt collection

Upon re-review of my Credit Report I noticed company name : Portfolio Recovery continues to report 3 collection accounts under my name. As previously stated in my last compliant, I do not have any binding agreement with Portfolio Recovery and was not aware or notified of this item being reported under a collection status. These said accounts are currently reporting in an open status with remarks stating, Collection Account Chapter XXXX Bankruptcy dismissed. Please explain why this company is reporting these accounts as collection. Please attach copies and have company provide the following : Complete payment history, the requirement of which has been established, Agreement that bears the signature of the alleged debtor, Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) In addition, if this debt has been paid please remove this item as this is not a collection account and has been reporting under my name to XXXX, XXXX  and XXXX. There are several errors in reporting from Portfolio Recovery to my credit reports. Portfolio Recovery has reported an erroneous address to all 3 of the credit reporting agencies. As of today, a new unknown address located in Alabama ; XXXX XXXX XXXX XXXX, Alabama XXXX is now reporting on my credit file causing credit applications to deny and causing my credit profile to contain an address out of the state I have lived in for over 21 years. Portfolio Recovery continues report and re-report inaccurate and erroneous information to my credit file causing damage to my credit file and credit application denials. I have never lived in the state of Alabama and now this new unknown address is associated with my credit file because this company continues to violate Fair Credit Reporting Act ( FCRA ). 
The federal Fair Credit Reporting Act ( FCRA ) promotes  the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This company also failed to validate this debt and as a result Portfolio Recovery has added a new unknown address to my credit file. Because Portfolio Recovery failed to verify this said debt and have not sent notice of said debt, the next course of action that I will accept is the removal of all 3 accounts report under my name. 
The company responded to my last request but have failed to take the necessary action by removing my inaccurate erroneous data from all 3 of my credit files but instead added new inaccurate data to my credit file. Portfolio Recovery obviously has mixed my personal data with someone elses data which in turn caused a new address to drop on my file out of the state of Georgia to which I have never resided. 
Remove these said accounts and this new reported address ; XXXX XXXX XXXX XXXX, Alabama XXXX from my credit files immediately. I will be forced to take legal action if this is not done. My credit file continues to maintain inaccurate data due to wrongful reporting by Portfolio Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the fair credit reporting act XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy. 
15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone brought a car in my name. I didn't not sign or authorize anyone to do so.
Product: Credit reporting or other personal consumer reports

wrong credit score my credit score is much higher you have my score at XXXX that is not true my score is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Date Opened : XX/XX/2002 Balance : {$3000.00} and XXXX XXXX XXXX Date XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review my credit file for inaccurate items. There are 1 account that is reporting an inaccurate late status, an incorrect reporting of a bankruptcy, and 2 accounts reporting that does not belong to me. Also, there are incorrect address and name spelling. 

Account that is not mine : XXXX XXXX  and XXXX XXXX ; and the Bankruptcy with a file date of XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Ct, XXXX XXXX ; incorrect name : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX is reporting an inaccurate late status ; it is inaccurately showing that I was late XXXX & XX/XX/XXXX and from XX/XX/XXXX - XX/XX/XXXX XXXX