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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$810.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$59000.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. XXXX XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have filed a dispute for an airline ticket purhcase. The airline cancelled all international flights, including my flight due to war in XXXX. The airline did not issue a refund to me for the purchase. The airline did not send me a cancellation of the flight - instead they posted on their website that " all international flights have been cancelled as of XX/XX/XXXX '' ( see attached docs ). Capital One and I got on a conference call wit XXXX rep who confirmed that the flight has indeed been cancelled. 
Capital One, my card issuer, denied my dispute for a refund due without providing a written expalnation of the reason for denial. While on the phone with the reps I have been given the following reasons : - dispute right is not available to me ; - I filed the dispute a day too early ( while submitting the dispute on XX/XX/XXXX Capital One rep assured me it was okay ) ; - I selected incorrect reason for dispute ; - I did not produce sufficient documentation ( that is after submitting 21 pages of proof - see attached file ) I do not feel that I am being treated fairly by this company after years of being their client. 
Capital One is not able to provide a written explanation as far as the reason for denial of dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent charge of {$3100.00} from   XXXX   XXXX   on my credit reports. The account was opened on   XXXX     and closed   XXXX     I have never been a customer of  XXXX   XXXX  nor have I ever lived in  XXXX  Ohio, the address of the account holder.     I have filed a fraud check with  XXXX , case #  XXXX  I have filed a report with the  XXXX  Ohio police, #  XXXX  I have reported this information to all  XXXX  credit agencies.   I am a federal employee who was subject to the  XXXX  information theft.     A speedy resolution is very important as I am trying to secure safe affordable housing for myself and my children as soon as possible.     Thank you,  XXXX   XXXX
Product: Debt collection

XX/XX/XXXX XXXX XXXX USED INFORMATION FALSELY/FRAUDULENTLY TO COLLECT STUDENT LOAN MONEY IN MY NAME AFTER I WITHDREW FROM THEIR COLLEGE TIMELY IN THE YEAR 2000. I NEVER ATTENDED THEIR COLLEGE OR RECEIVED ANY EDUCATION BENEFITS FROM THIS COLLEGE OR THE MONEYS COLLECTED BY THIS COLLEGE IN MY NAME. AS A RESULT OF THIS FRAUDULENT ACTIVITY ON THE PART OF THIS COLLEGE AND FRAUDULENT LOAN PROCEEDS THE LOAN SERVICERS OF THESE LOANS ECMC CONTINUES TO REPORT THIS FRAUDULENT LOAN TO THE CREDIT BUREAU IN VIOLATION OF THE FAIR DEBT CREDIT REPORTING ACT. ECMC IS A THIRD-PARTY DEBT PURCHASER WHO IS REPORTING AN OUTED FRAUDULENT DEBT FROM THE YEAR XX/XX/XXXX. I HAVE MADE NUMEROUS REQUESTS OF THIS THIRD-PARTY DEBT PURCHASER TO VALIDATE THE DEBT AND PROVIDE ME WITH THE ORIGINAL DEBT INSTRUMENT IN ACCORDANCE WITH THE FEDERAL DEBT COLLECTION AND REPORTING ACTS TO NO AVAIL. ECMC IS REPORTING FALSE INFORMATION TO REPORTING AGENCY IN REFERENCE TO THE DATE OF LOAN ORIGINATION, DEBT AMOUNT AND OTHER FALSE INFORMATION IN VIOLATION OF FEDERAL LAW. I HAVE PLACED ECMC ON NOTICE AND REQUESTED NUMEROUS DISPUTES OF THIS FRAUDULENT AND INACCURATE INFORMATION REPORTING TO MY CREDIT FILE AND ECMC HAS REPEATEDLY REFUSED TO FOLLOW THE LAW IN THE DISPUTE PROCESS EACH TIME. ECMC CONTINUE TO REPORT THIS ACCOUNT AS A OPEN ACCOUNTS AFTER 20 YEARS AND ALLOWS THIS TO MAKE MONTHLY LATE PAYMENT ACTIVITY IN MY ACCOUNT REGARDLESS OF THE FACT THAT THIS ACCOUNT IS TIME BARRED UNDER FEDERAL LAW. THEIR ACTION HAVE RACIAL UNDERTONE AND EVIDENCE BEHAVIOR OF RACIAL PROFILING AND WELL AS FRAUDULENT ILLEGAL ACTS THAT ARE PROHIBITED BY LAW.I REQUEST AN INVESTIGATION INTO THESE ACTIONS. 

THANK YOU XXXX XXXX
Product: Debt collection

1

5 U.S.C 1681 section 602 A. : States that 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 an account without my permission in written instruction. 15 U.S.C 1692 C : Without the prior consent of the consumer given directly to the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Checking or savings account

I have been using the app XXXX for a long time now. For the past couple of weeks/month my PNC account hasnt been able to link to the app. It stated that PNC is blocking the ability to link accounts. Im not sure why when my credentials where verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is inaccurately reporting that I have a collections debt of {$630.00}. Commonwealth Financial is also inaccurately reporting that I have a collections debt of {$720.00}. These accounts do not belong to me.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

Contacted XXXX XXXX regarding XXXX collection accounts that are not mine. They can not prove to me that they are mine. I just get rude people telling me to pay then they will refund it they are wrong.
Product: Credit card or prepaid card

I saw someone using my SSI # information to try applying for a Target card on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to remove an Bank of America account from my credit report. The account was closed in 2014, yet it shows incorrect information, and everyone I try to talk to about fixing this just blames someone else and then nothing gets fixed. I do not understand how to go about removing this from my credit report, yet everyone agrees the information is incorrect. No one can even find me in their system.
Product: Student loan

I graduated XXXX XXXX XXXX ( XXXX XXXX XXXX, TX ) back in 2006. They are supposed to help you find a job but later they just forget about you. I submitted my resumes to a lot of companies back then with NO LUCK / NO RESPONSE. I have n't been working on my field because I have not been able to ... I found out right after I XXXX tried to sue our campues because all of them went on job interviews and COULD NOT get a job - their reason was " XXXX software was too outdated and old '' and what they had been learning was not up to date in the " real world '' - I wish I would have known this while I was still attending because I would have dropped out .... They don ; t really help you get a job like they claim, they do not transfer credits so you ca n't really go anywhere else.. I am a single mom with no child support - I am stuck with a XXXX privete loan that I have not been able to pay because I was trying to make ends meet. I got evicted from my apt . a few years ago. I have been paying something every month towards my private loan but I can barely make that payment to NAVIENT ( well, directly to XXXX collection agency ) - There 's has been a lot of lawsuits against XXXX XXXX on different states and more and more students are joining. I feel like I should not be paying for this since no employer back then was interested at all and XXXX XXXX did nothing.That school is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act capital one 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 2 : It also states a consumer reporting agency can not furnish a account with my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, and XXXX have 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 : also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that 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 XXXX XXXX XXXX XXXX which is impacting my XXXX XXXX XXXX, causing problems at my job & creating unwanted XXXX  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
Product: Credit reporting or other personal consumer reports

I was given hard inquiries by companies that i never I signed up with before. The companies include : Salli mae  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These all occurred in the year XXXX.
Product: Debt collection

XXXX XXXX XXXX turned over a medical bill to a collection agency that I have no knowledge of. I have requested in writing and through my disputes with XXXX to have verification of the debt and that it in fact belongs to me. I have a minor daughter whose father is responsible for all medical bills. I have never received any clarification as to what this debt pertains to and what it is actually for. I find it extremely frustrating that these credit bureaus can just take the word of a debt collector and never have to provide validation of the deb to the person being targeted for money.
Product: Credit card

American Express has continued to accept unauthorized charges on a credit card account that had been closed. First attempt to cancel the card was in XX/XX/year>. The second attempt to cancel the card was in XX/XX/year>. During the second attempt, I was forced to pay a membership renewal fee and all unauthorized charges to close the account. In XX/XX/year> I noticed that American Express had continued to accept unauthorized charges on the closed credit card. They were also adding late and interest related charges to my account. They reported late payment to the credit bureaus and negatively impacted my credit score. I have spent hours on the phone with American Express over the past XXXX  months attempting to resolve this issue with no satisfactory action being taken. I am seeking confirmation that the account is closed, confirmation that no future charges can be applied to the card, confirmation that the improper charges on the card have been reversed and confirmation that American Express has corrected their reporting to the credit bureaus.
Product: Mortgage

My mortgage payments have been made and processed, yet the servicing company repeatedly changed and " loses '' the payment and attempts to recollect with late fees. I must repeatedly go through extraordinary efforts to prove that payment was made and received in order for the fees to be reversed. This has happened on 3 separate occasions in less than 2 years. 

I believe that this is an attempt to scam money from mortgage holders who may have difficulty providing proof of payment promptly.
Product: Mortgage

TitleMax LLC located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX was the Title/Settlement Company for our Land and Construction Loan settlement on a property in Maryland. We had our first settlement on XX/XX/2019, which was botched because the seller refused to sign the settlement paperwork. We had our second settlement on XX/XX/2019, and we thought we purchased a property with a clean Title. We have since learned now 4 months later that our Deed can not be recorded with the County because the sellers refuse to pay a Deed Transfer Tax and  the Title/Settlement Company is doing very little to resolve this matter. We have been following up with this Title/Settlement Company for 3 months to resolve the issue to no avail. We have paid a lot of money for a property, for which we do not have a clean Title or a recorded Deed because of this company 's negligence and possibly fraud. Because of this issue, the County will not issue any permits, which is delaying the construction of our new home.
Product: Debt collection

CONVERGENT OUTSOURCING, INC. has never contacted me in writing regarding this time-barred debt. Cell phone debt has a federal statute of limitations of two years. After the statute of limitations has expired on a debt, it is considered time-barred. <P/>In XXXX v. XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX [ XXXX XXXX ] and in XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX [ XXXX. XXXX ], and its progeny, the courts have consistently held that FDCPA claims are viable where they are premised on a debt collector 's knowing attempts to collect time-barred debts. In these cases lawsuits were filed to collect the debts or lawsuits were threatened or " further collection action '' was threatened. That is precisely what defendant has done here. Defendant knowingly and fraudulently transferred a prescribed debt onto another account then refused to heed disputes by plaintiff and his counsel. Worse yet, defendant has initiated collection actions, including dunning plaintiff, based on the new account which balance is solely consisting of the prescribed account balance. This plainly falls under the further collection action prong of this analysis. <P/>It is fairly settled law that filing suit on a time-barred debt is a clear FDCPA violation. The seminal case is XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ). Also :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Experian Credit Monitoring service and while checking my credit report. I noticed several things wrong with my credit report. That cause a drop in my credit score done by Experian. One is that they have ne for 21 charge-offs no one company reports 21 charge-offs. You can only get one charge-off per grantor of credit. I also, paid off my XXXX XXXX XXXX about two years ago. So, XXXX XXXX is no longer reporting anymore on the account. I was told that it was reported late that is why my credit score dropped.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a identity theft report with the FTC and Equifax, XXXX, and XXXX are still reporting the alleged account. Below is the law all ( 3 ) credit reporting agencies are in violation. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft 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, not later than 4 business days after the date of receipt by such agency
Product: Credit reporting or other personal consumer reports

I am writing to formally request dispute an inaccurate item on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ) According to the Credit Bureau XXXX, XXXX and Equifax records, there is incorrect information being reported under section XXXX XXXXXXXX Civil These errors are negatively impacting my ability to secure other financial duties. This dispute is being submitted under ( FCRA, 15 U.S.C. & 1681i which requires credit reporting agency reinvestigation and provide original documentation from the original creditors. If this is not provided per ( FCRA ) all items must be deleted. The specific inaccuracies are as follows : This account is not mine and is fraudulant and needs to be removed per FCRA This needs to be removed 15 U S cODE1692c 15 U.S Code 1692g15 U S Code 1681e ( b )
Product: Credit card or prepaid card

On XX/XX/20 I received an alert that my XXXX XXXX XXXX had been closed without any notice. I received no written notice from the bank telling me that my account was closed or that it would be closed. The account has always been paid in full and on time without issue however it appears that the bank has chosen to close the account with notice in violation of required notice.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1 Name : My current legal name is : XXXX XXXX, but it is listed incorrectly on my credit report. I request that my name be updated to reflect the correct information. 

2 Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX, but my credit report shows an outdated address. I request that my current address be updated accordingly. 

3 Contact Information : My main contact number is XXXX :. I would like this number to be updated. 

4 Date of Birth : XX/XX/year> ( XX/XX/year> ) 5 Employer : XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> I looked at my Experian credit report on XX/XX/2024 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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 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.