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

On or about XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

Furthermore, the alleged charge off date on the account is XXXX XXXX. XXXX XXXXXXXX XXXX is claiming to have obtained this debt in XXXX XXXX I informed XXXX XXXX XXXX the account was not mines several times to no avail. My consumer reports show inaccurate open dates, account status of OPEN on XXXX and Equifax and a status of CLOSED on XXXX. There is NO payment history on XXXX, the payment history for Equifax shows positive, missing, and late payment history on a closed account, and XXXX reports collections. These discrepancies prove that the consumer bureaus did not validate this debt and are purposely reporting inaccurate information! 

According to Section 16.004 of the Texas Civil Practice and Remedies Code : The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code ; states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 

According to the FCRA. XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Unfortunately for myself, I am just becoming aware of laws regarding my consumer rights. However, I plan to become knowledgeable of the law and will hold individuals who disregard the law accountable for their actions. My reputation has been severely tarnished due to these negative, inaccurate remarks which is completely unfair. Therefore, I am filing a formal complaint against said company today for their blatant disregard for the law and failure to protect the consumer : Me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for this Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft.

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, XXXX, Experian and XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft. 

I have contacted the Attorney General 's Office, XXXX, FTC and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00}, XXXX XXXX XXXX XXXXXX/XX/2021
Product: Mortgage

We have been sending documents to prove that we qualify for a Loan Modification and each time we comply with the completed package that was requested by the CITI Representative, we think we are going to get an approval here we go again, more and more documents. This package that we are preparing for submission now we have sent 7 times and each time we must start over, Please help us with this situation. We want and need to save our home. We need to know if there is some reason that we are getting the run around with our account. 
As soon as we submit the requested documents, Citi refuse to acknowledge the receipt of the documents. Each time we must start over, we want to comply with their procedures and get an approval to save our home, however the requests are always the same documents we have already sent with a few more requests added. 
We are submitting the 8th full package to day XX/XX/18 - 28 documents, what will they need this time? 
Please help us. We can payment a down payment we can afford the mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres been multiple attempts made w/the servicer, XXXX, as well as all 3 credit bureaus, which even shows in the remarks sections on my reports that Ive disputed under XXXX. Two major issues, not being corrected. I have SIX ( 6 ) open loans w/ XXXX, 4 of those loans are being reported CLOSED on TransUnion . Those same 4, were originally owned accts by XXXX & transferred to XXXX. These 4 loans show current & open on XXXX  & XXXX. 

XXXX Original Loan info : {$3500.00} disbursed XX/XX/XXXX transfer date unk {$6000.00} disbursed XX/XX/XXXX transfer date unk {$1700.00} disbursed XX/XX/XXXX transfer date unk {$2900.00} disbursed XX/XX/XXXX transfer date unk 2. My other major issue w/XXXX  is that only on TransUnion report in the remarks section, on the 4 CLOSED loans. My Chapter XXXX Bankruptcy information is listed as if I filed w/XXXX included. NO student loans were included in my Chapter XXXX Bankruptcy, filed XX/XX/XXXX, later discharged XX/XX/XXXX. Bankruptcy case filed in XXXX XXXX, MO. US Bankruptcy Court # XXXX XXXX. It was filed under my married name. Which I am now back to my maiden name. They can always verify that information, Ive disputed several times w/ documentation & it still has not been corrected by TransUnion nor XXXX.
Product: Credit card

On XX/XX/2024 I tried to add my card to my XXXX wallet so that I could use it as I don't keep hardly any physical cards on me for safety and security reasons. When I attempted to add it I was instructed to call a number to verify adding the card to my wallet which was not unusual because I have had to do that with several other cards. I called the number provided and the person taking my request from Barclays said that the card was added and that I was able to use it immediately. I attempted to use it at a store on XX/XX/2024 and it said that my card could not be verified. I then logged into my app to see what was the issue and the card no longer appeared on my app whatsoever, no history, no statements literally no record the card ever existed. I immediately contacted them to see what the problem was and they told me that my card was flagged for " fraudulent application ''. There was no attempt to identify or verify my identity or the validity of any " application ''. The only option that was given to me was to apply for a new card account. It's important to note that my card has been opened for XXXX years with no issues. I have a credit score over XXXX and this is one of my oldest open cards so it will inevitably lower my credit score for no reason. I've never missed a payment, never been late and don't hold balances on any of my cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my car to XXXX XXXX and I cant find the XXXX Account on my credit report.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX : {$1400.00} XXXX  XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$31000.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$180.00} XXXX XXXX Balance : {$670.00} XXXX XXXX  XXXX Balance : {$87.00} XXXX CRED XXXX Balance : {$380.00} XXXX  XXXX XXXX Balance : {$590.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Credit reporting 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. 

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 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 XXXXXXXX 15 U.S.C 1681 Section 602 A. state 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 written permission.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make consumer report obtaining any of the following items of information. Any adverse item information, other than records of conviction of crimes which antedates the report by more then 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, credit repair services, or other personal consumer reports

i went to get all my credit scores and trying to figure out why I cant get a loan, a vehical, rent a home, a credit card, get a job ... like I'm XXXX  for the second time ... I have my identity leaked over the internet, all of the reports are wrong, I need a experts help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax failed fix error in account site unable to add documents saying I sold vehicle. XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.
Product: Checking or savings account

I opened a Capital One 360 money market account, which had a bonus offer of $XXXX if you deposited $XXXX before XX/XX/2018. I satisfied those conditions, and was expecting to receive the bonus 60 days after the terms were met, per the terms of the bonus conditions. I never received the bonus, and upon calling them, they told me because I didn't leave the money there, I would not get the bonus. Nowhere in the terms does it state that I needed to leave the money there, no time frame on how long, etc. Simply that I must deposit $XXXX by XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 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 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: Debt collection

Hello, I have disputed the Collection Account with XXXX XXXX with all the 3 Bureaus ( XXXX, XXXX and XXXX ) with no resolution. These companies do not investigate and send automated responses, as updated without further calling or investigating the company. 

The debt XXXX XXXX is slated to come out XX/XX/XXXX. Its been on my credit report for six years in XXXX. XXXX XXXX  re-aged this debt by listed it, as new for XX/XX/XXXX causing my credit to drop. As it reports, as new collection and its an old one. I reported this with XXXX, XXXX and XXXX 5 times without any resolution. This is illegal to re-aged a date. 

I feel hopeless. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to Experian to update information. Reporting inaccurately. I notice that account was not reporting credit limit. I never asked agency to validate account. I simply asked them to correct the way this account was reporting. According to fcra info must report with 100 % accuracy. Im showing XX/XX/16 that Experian failed to make correction. This isnt fair please help.
Product: Credit reporting

I had XXXX XXXX XXXX XXXX XXXX account that were opened XX/XX/XXXX paid off and closed XX/XX/XXXX. I had a very good history with the credit union in paying my accounts. At this time Experian Reporting Agency is reporting my account negative. I reached out to one of the Representative at Experian and they stated they were working on my investigation. I call back 2 weeks later and the Customer Service Representative stated that the investigations were completed and I will receive a copy of the report in the mail. I reached out and ask her about the XXXX XXXX XXXX XXXX accounts and she stated that they were removed from my reports. Around about 4 days later I received my reports and the XXXX XXXX XXXX XXXX account were still reporting negative.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX  XXXX INQUIRY : XXXX XX/XX/2022 : XXXX  XX/XX/2022 : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and tons of unfair practices. Therefore, this violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Their dispute resolution process was unfair and deceptive, they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

These actions have caused a significant inconveniences and financial losses. I seek appropriate redress for these violations accordingly.
Product: Debt collection

XX/XX/2024 {$630.00} Caine & Weiner CREDIT REPORT! I DO NOT OWE THEM, I HAVE NEVER SIGHNED ANY AGREEMENT, PROPOSAL, OR CONTRACT WITH THIS INSTITUTION! I AM DEMANDING THAT THEY EITHER SHOW ME AN ORIGINAL CONTRACT SIGHNED BY ME OR IMEDIATELY REMOVE THE NEGATIVE ACCOUNT FROM MY CREDIT REPORTS!
Product: Credit reporting or other personal consumer reports

This is my XXXX  formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial failure to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred {$2600.00} from my Bank of America USA Checking account to my international account in the XXXX called " XXXX XXXX XXXX '' with XXXX sorting code : XXXX. It typically takes 2-3 business days for funds to be received. I have transferred {$800.00} to this XXXXXXXX XXXX  before, using Bank of America, and I received the funds in 2-3 days. However up until XX/XX/XXXX I have not received the {$2600.00} wire transfer funds into this XXXX account. 

I called Bank of America on XX/XX/XXXX to initiate a XXXX XXXX confirmation. An XXXX is a standardized XXXX payment message used specifically for cross border/international wire transfers. XXXX are globally accepted as proofs of payment and include all payment details such as date, amount, currency, sender and recipient. XXXX are also great for tracing payments which are missing or delayed because they show the route of the payment between the banks. All banks and financial institutions which make payments via XXXX should have an XXXX for every payment. According to XXXX universal confirmations are mandatory for all financial institutions on XXXX as part of XXXX  XXXX. 

However Bank of America claimed to not know what a XXXX XXXX  confirmation was and refused to provide one to me. Bank of America claimed that all they could do was send a request to recall the wire transfer funds. They claimed to have sent the request, but my XXXX XXXX  is claiming to have not received a request from Bank of America to recall the wire transfer, and to date have not received any funds. They then requested that I initiate a XXXX XXXX  confirmation to trace the funds path. 

I called Bank of America again on XX/XX/XXXX to once again request this XXXX XXXX  confirmation and was again refused, and was told all they could do was recall the funds but it is up to the receiving bank to agree to the recall and return the funds. Once again the receiving bank is claiming to have not received the funds and to have not received a request for recall, so I need the XXXX XXXX  confirmation to trace the funds and get my HARD EARNED MONEY BACK. I want Bank of America to provide the XXXX XXXX  confirmation for this transaction and communicate with this bank to clarify where the funds are.
Product: Debt collection

MERCHANTS CREDI/ XXXX # # # # # # XXXX CHARGE OFF is illegally accusing me of owing them {$1000.00} this account/debt was written off/canceled by the original party and sold to Merchants credit guide for a profit. I never had an agreement with Merchants credit guide. I also never recieved a 1099c form after the account was canceled by the original parties. By law, any debt canceled by the party is now considered INCOME. After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. I NEVER RECEIVED THE 1099C EVEN THOUGH THE ORIGINAL CREDITOR HAS FILED TAXES ON THIS ACCOUNT AS A LOST AND COLLECTED COMPENSATION FROM MERCHANT CREDIT GUIDE TO RELEASE THE ACCOUNT. THAT IS ILLEGAL AND I WILL FILE CHARGES IF THIS ACCOUNT IS NOT REMOVED FROM MY CONSUMER REPORT. INCOME IS NOT APART OF A CONSUMER REPORT. I HAVE THE RIGHT TO CLAIM THIS ACCOUNT AS INCOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

he account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : I also seen TWO DIFFERENT SOCIAL SECURITY NUMBERS on my report XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX & XXXX # XXXX