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

I got a copy of my credit report from Transunion and found an inaccurate bankruptcy listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as XXXX. Public Records cant be validated due to the FCRA Privacy Laws. If Transunion cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy, if the Bankruptcy Court and 3rd party vendor XXXX doesnt verify Bankruptcies? I have attached a letter from XXXX that this bankruptcy is not reporting under my credit profile with them. This bankruptcy needs to be removed from my credit within 30 days for violations. This complaint has also been sent to the TransUnion Legal team. If nothing changes in 30 days, litigation will be pending and complaints to the MN Attorney Generals office, Federal Trade Commission and more complaints to the CFPB will be filed.
Product: Debt collection

This company DIVERSIFIED ADJUSTMENT SERVICE , INC is currently reporting inaccurate, incomplete, and unverifiable information on my credit report. I do not recall owing them anything. Furthermore, they never produce any chain of title of proof of ownership of the debt. I am disputing any and all debt and credit reporting information. Please see the attachments. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX Balance : {$8700.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered Misleading information of a address that assigned to account thats on my credit report this is missinformed information account reporting on my credit report .Consumer Reporting Agencies play a crucial role in accurately reporting consumer information.It is imperative that this information be reported with utmost accuracy.The following account XXXX XXXX XXXX ] have some Inaccuracies reporting wrong address XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX i have never been affiliated with this address. According to the fair credit act this account and address has been reported inaccurately on my credit report, therefore it must be delete from the credit report anything that is misleading or reported inaccurately should and will be removed. I request a thorough investigation into these discrepancies and urge you to provide evidence. Such as driver license match the address that is reporting and the original wet signature time of the account was open and have it certified .If unable to furnish such proof, i demand that this account be deleted from my credit report without delay.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Please request a copy of the checks numbered below for the Truist Bank Account belonging to XXXX XXXX XXXX a Florida company. 

Account number : XXXX XXXX period : XX/XX/XXXX XX/XX/XXXX : XXXX. XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX/XXXX/XXXX : XXXX AMOUNT SERIAL # AMOUNT DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I noticed on my credit report from Transunion that they had reported that I had a delinquent account that had gone to collections from XXXX XXXX in XXXX  XXXX WI. I had paid that account off XX/XX/XXXX. This made my credit score go down. I called XXXX XXXX and they emailed me the paperwork that stated it had never been to collections and I had paid it off. I filed a dispute with Transunion and sent that paperwork to them so they could clear up my credit report. They removed the delinquent acct. and that it had gone to collections. My score went back up. In XX/XX/XXXX I noticed it was back on my credit report as my score had gone down again. I filed another dispute with Transunion in XXXX XXXX and on that investigation they are saying it is correct information that is being reported to my credit report. I am getting upset that Tranunion can play with my credit report like this.
Product: Debt collection

I RECEIVED MAIL FROM GLENN ASSOCIATES MID-ATLANTIC IN XXXX, MD. WHEN THE REP INFOMRED ME I WOULD BE RECORDED I AGREED. HE/SHE ( NEVER IDENTIFED THEMSELVES ) ASKED FOR MY SOCIAL. I REFUSED BECAUSE I NEVER GAVE MY SOCIAL TO THE STORAGE COMPANY. THEY ASKED FOR MY NAME AND ADDRESS. UPON PROVIDING THAT THEY TOLD ME WHAT THE DEPT WAS FOR AND ASKED HOW I WANTED TO RESOLVE. I STATED I DISPUTED THE DEBT AND DIDN'T OWE THE DEBT. THEY ASKED IF I PERSONALLY DID A WALK THRU WHEN VACATING AND SIGN A RELEASE. WHEN I ATTEMPTED TO LET THEM KNOW I HAD 2 OTHER STORAGE UNITS THAT I HAD VACATED AND PAID IN FULL AND I WAS FINE. THE REP BECAME VERY IRATE AND SAID " WELL THIS IS THEIR POLICY NOW AND YOU OWE THIS DEBT AND YOU CAN'T DISPUTE THE DEBT, THEN BEGAN TO YELL AT ME AS I WAS TRYING TO EXPLAIN THAT I STILL HAVE A CURRENT UNIT WITH THEM NOW AND I WOULD GET THEM TO RESOLVE THIS.THE REP YELLED AT ME AND SAID TOO BAD THIS WOULD BE ON MY CREDIT FOR 7 YEARS AND HUNG UP. I CALLED BACK TWICE AND THEY HUNG UP ON ME EACH TIME. I HAVE A RECORD OF THE CALLS AND THEY SATATED THEY WERE RECORDING ME. NOT THAT I COULD BE RECORDED, THEY STATED THAT I WAS BEING RECORDED. IT IS MY RIGHT TO DISPUTE A DEBT IF THEY WANT IT RESOLVED, THEN THEY SHOULD HAVE LISTENED TO ME. I AM VERY EMOTIONAL FROM THIS CALL. I FEEL DAMAGED. I AM NOT A CHILD AND DO NOT EXPECT TO BE SPOKEN TO AS SUCH WHEN I AM CONDUCTING BUSINESS CALLS. SOMETHING NEEDS TO BE DONE TO THESE CREDITORS.
Product: Debt collection

I reached out to this current company numerous times pertaining to my credit report. This is an invalid account, invalid debt. This is an FDCPA section 807 Violation misleading false reporting. Under ( 15 ) USC 1681e ( b ), Canceled debt is gross income, does not get reported to your consumer report ; therefore, this is an inactive account, and needs to be delete it IMMEDIATELY!
Product: Debt collection

LVNV Funding LLC is reporting a debt collection account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. LVNV Funding wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged amount. XXXX and XXXX have already removed this account from my credit for Violations against the Fair Credit Reporting Act. LVNV Funding also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting LVNV Funding delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.
Product: Debt collection

This was a bill for {$350.00} which was paid by my insurance company to the Ambulance company, Now the a collection from an unknow company trying to collect {$1000.00}
Product: Credit card or prepaid card

American Express increased my rate on my card ( a/c XXXX ) from the regular rate of 10.99 % to the default rate of 29.99 % due to a one-time, 2-day late payment. My understanding of the Credit Card Act 2009 ( Sec 171 ) is that default interest is supposed to only be charged after the payment is 60 days late. I believe that they are not acting within the Federal Laws applicable to the account.
Product: Credit card or prepaid card

I applied for an aadvantage gold credit card with citibank that advertised a promotional offer of 25,000 bonus miles for spending {$750.00} within the first 3 months. I spent well over the required amount within the first month. More than 3 months later and I still have not received the bonus. When I contacted citibank I was told I had received the promotion previously and was not eligible. I have never had an aadvantage gold credit card before. I would like my bonus miles and an apology for false advertising. This complaint was previously closed despite the fact the company failed to provide documentation of their claims. 

Please reopen this claim and explain why citibank 's response was reason to close it when they provide no documentation to show that they are not in violation of the unfair or deceptive acts or practices Section 5 ( a ) of the FTC Act Upon activation of the card, the citibank representative confirmed I would receive the bonus after meeting the spending requirement. I never received such a bonus, nor did the terms upon application or with the offer I received indicate that I would not be eligible based on the different product I previously had. I disagree with the company 's response and expect them to document proof of their false claims. I am owed the bonus and the company 's actions constitute an unfair or deceptive acts or practices violation. The FTC Act prohibits unfair or deceptive acts or practices. " An act or practice may be found to be unfair where it " causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers themselves and not outweighed by countervailing benefits to consumers or to competition. '' A representation, omission, or practice is deceptive if it is likely to mislead a consumer acting reasonably under the circumstances and is likely to affect a consumers conduct or decision regarding a product or service. " Citibank should be prosecuted for willfully violating this act and failing to make appropriate restitution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$11000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$8600.00} ), XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$3500.00} ), XXXX BANK ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7300.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$1600.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

On XX/XX/XXXX, I was contacted at XXXX by a company idenditfying themselves as representatives of XXXX XXXX ( I called back after hours and the message machine said it was The Office of XXXX XXXX and XXXX XXXX , not XXXX XXXX ) dealing with mitigation of a civil case against me, related to a debt from that is far past the legal statute of limitations for debt collection in washington state. The number showed up on caller ID as XXXX. They told me that I would be sued, and would have to go to court and pay legal fees if I did not repay the debt, which is actually a time-barred debt from a payday loan taken in 2010, which I did not recall. The total loan amount and debt total was XXXX dollars. They requested a one time settlement of XXXX. I was told to contact XXXX XXXX at the telephone numer XXXX. I called and reviewed my information. After being convinced that this was an emergent civil case against me which could lead to a law suit against me, I ( not knowing I could dispute this, nor that the statute of limitations had been exceeded for this debt, nor that you can not be criminally prosecuted in court for owing debt ) complied with payment of the one time settlement. I was then referred for payment processing to Nationwide Recovery Group, LLC out of XXXX, New York. They processed my payment and sent my an email that looked like a reciept, but had no invoice number or transaction number, and lacked visual authenticity. I feel like I was just scammed out of almost XXXX dollars, and that has put my family of XXXX in a tight finacial situation just before my rent is due. I want to sue the responsible party for the payed amount of XXXX cents plus an addition XXXX dollars for emotional distress, time loss in legal research and discovery, and financial burden. I have had to take a personal loan, which I will need to pay back, in order to make up the portion of rent I just lost. Please stress the urgency that they return payment for this time-barred debt, or face further legal action. I have attourneys as close friends who have instructed me to file this complaint, and I will envolve them if necessary. This IS worth it to me. And I AM inclined to start a class action law suit. I bet tons of debtors have been scammed in this exact same way. They could be forced to pay out up to XXXX dollars in restitution if class action lawsuit finds in our favor. They need to know this. They have been calling my phone for over a year, non stop. This is harrassment. I pay money for the data used for those phone calls. I am very upset about this shady group of people seeking collections for time-barred debts, and just dont want anybody else to be taken advantage of like i just was. 
I have attatched a copy of the very suspicious looking " receipt '' of my payment. Also have left them a message witth norespons.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report noticed I had fraudulent accounts and inquiries on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. The fraudulent account on my credit report XXXX XXXX XXXX. This is not my account and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect names, date of birth, and addresses are reporting on my credit file that is incorrect. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Not updating my credit report and I don't see my scores, and delete all errors
Product: Credit card or prepaid card

CFPB, Per XXXX XXXX/Amexs response : We reviewed the XX/XX/2021 chat mentioned in your correspondence and you did not request to cancel your account. 

Again, Amex cites the XX/XX/2021 XXXX not XX/XX/2021 XXXX chat, without providing the transcripts, so allow me to provide the transcript to the CFBP and Amex so that Amex is fully aware of Amexs fraud. 

-- XXXX.Amex Chat ( XXXX  ) : XXXX  : Why is my account showing a XX/XX/2021 Removal of Credit Balance? 

Amex : Upon checking your account, I was able to verify that the removal of credit balance youre seeing on your account is about your credit balance of {$23.00} thats been left on your account for 3 consecutive months now. 

For those instances, the system automatically clears the said credit balance by creating a request to have a check sent out to the card member. 

That is to clear the account, which is now {$0.00} balance. 

XXXX  : Tell the system to replace the stolen funds or close my account. 
XXXX, you are costing me more than {$30.00} of my time reporting this issue. 

Amex : I understand. We can request for the credit balance refund check to be cancelled and have it brought back to the account. 

-- Again, Tell the system to replace the stolen funds or close my account. 
XXXX/Amex failed to return the stolen funds, and Amex failed to close the account. 
Everything since is Amexs failure and harassment of me. 
I have given explicit directions with every one of my communications to Amex and the CFPB. 
The CFPB has failed to protect me from Amexs XXXX  and failure. 
I want nothing to do with Amex ever again. 
Best of luck in Amexs continued culture of ignorance, discrimination, and predatory revenue creation. 

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

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
DOE XXXX XXXX Balance Owed : {$0.00} DOE XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$590.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my credit report from Experian and identified inaccuracies related to an account associated with XXXX XXXX XXXX. Specifically : Account Type Misrepresentation : The account is listed as a " charge card '' account type, which implies a requirement to pay the balance in full monthly. This description does not accurately reflect the repayment flexibility of this account.

Incomplete Credit Reporting : Another account with the same lender, XXXX XXXX XXXX, has a positive history that has not been reported on my Experian credit report for over a year. 
Despite confirmation from the lender that they have reported this information to Experian, it has not been reflected, which impacts the completeness of my credit report and misrepresents my creditworthiness. 

Actions Taken : I contacted XXXX XXXX, XXXX, and verified that they had submitted the positive account information to Experian. 
I sent a dispute letter to Experian asking to remove these inaccuracies from my credit report.
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 the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXK XXXX XXXX Balance : {$3800.00}