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

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.v
Product: Credit card or prepaid card

The last time I checked I had a credit score of over XXXX. I applied online with Bank of America for a credit card. I have never been late on a payment. I have never been denied credit before. I pay my balance in full unless I have XXXX  % interest but always pay my balance before the interest offer expires. I have less than {$1000.00} outstanding balance. Yet I was denied a credit card with Bank of America. 
I was asked if I have dual citizenship by BoA. They were the only credit card company to ask that. I do, with XXXX. I live and work in the XXXX and my permanent residence is in the XXXX. I own my home and have lived in it since 2015. 

If this decision was made based on my also being an XXXX citizen even though I do not live there this constitutes discrimination.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX. I just received an attempt to collect a debt from CAPITAL ONE. I have never authorized this debt with CAPITAL ONE. I want to formally dispute the lawsuit case # XXXX with the balance of {$6200.00}. I was and am a victim of identity theft because I realized that this account was open by XXXX XXXX XXXX but my name is XXXX XXXX XXXX and I do not know anything about this person. 
I have tried to dispute this ID Theft issue with Capital one, hoping to remove this case .However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Verification and Removal of Debt Dear TRANSUNION, ACCCOUNT : XXXX XXXX XXXX XXXX open date:09/26/22 I am writing to formally dispute the accuracy of the debt referenced on my credit report, under account number [ Account Number ]. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to request verification of any debts reported to the credit bureaus. Specifically, I request the following : Verification of the Debt : Please provide detailed documentation to verify that I owe the stated amount, including any supporting records that demonstrate the debt is mine. This should include the original contract or agreement, signed with a wet ink signature, which demonstrates my obligation to the debt.

Itemized Billing Statements : I want to clarify that an itemized billing statement alone is not considered sufficient proof of a debt under the FCRA. As per 15 U.S.C. 1681, I request documentation that includes the original signed agreement.

Additionally, I remind you that under 15 U.S.C. 609 ( a ) ( 1 ), I am entitled to request verification of any information being reported. If you are unable to provide the original signed contract and proper verification of the debt, I request that you remove this item from my credit report and delete any reference to this debt from your records, as required under the FCRA.

Please respond to this dispute within the timeframes set forth by the Fair Credit Reporting Act ( 30 days ). If I do not receive satisfactory verification of the debt within this period, I will consider this matter resolved and request that you remove the negative information from my credit file. 

Thank you for your prompt attention to this matter. I look forward to receiving your response with the requested documentation. 

Sincerely, XXXX XXXX Enclosures : Copy of Credit Report showing disputed debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Us Bank Inquiry from XX/XX/XXXX Us Bank Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 

XXXX - Card Service Inquiry from XX/XX/XXXX They made a hard inquire of my credit. When i checked my credit score and reported, i was shocked. This situation really affects my XXXX health, because as you can see I do not have any late payment on all my debts, I have being extremely responsible with all the financial institutions that I have a relation with, and this hard inquire drops my score. 

I want from you to remove that inquire because i did not request any credit from this institution.
Product: Credit reporting or other personal consumer reports

I have never lived at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE ACCOUNTS, IS NOT MINE 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

LVNV Funding LLC has been constantly harassing me from different numbers after I have told them to stop contacting me. They are also not licensed to collect debt in Alabama.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

Ive worked very hard to pay off everything I owe in the world, paid all delinquent accounts, and negotiated with creditors to update the information on my credit report in a timely manner, or delete them where they should be. Unfortunately, Equifax, XXXX, and to a lesser extent XXXX XXXX update the information at their convenience or dont update the information at all. I have gone so far as to obtain letters from the different creditors for whom I needed to update information and supplied those to all three of those credit reporting agencies, and followed up with the phone call and a dispute to make sure the information was corrected. I was met with disdain for even asking why the information hadnt been updated, and still it hasnt been corrected. I check the different agencies for my updated credit score, and in spite of the fact that XXXX XXXX has a visible credit score of XXXX for me, from what I can see on the consumer site, there are still newer, different, and unknown scores and notes, among other information and loopholes, by which these agencies manage to deny you credit and good standing in the eyes of creditors. Most people dont even know there are credit scores or FICO scores other than what you can see when you pull your own credit. It seems to me they dont want you to be able to repair your credit, and by the current system, with all their internal methods of keeping all those scores down, make it impossible to find good standing if youve ever had issues. With the understanding that its a major undertaking to correct the current system and its many loopholes and underhanded methods by which they report, Ill be XXXX if Im not going to be able to buy a home for my family because of their methods to keep me down. This needs to be addressed, and for myself, it needs to be addressed NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

In spite of my disputes directly with Equifax, XXXX and XXXX, they have all failed to update my respective credit files with respect to my XXXX account since the end of XX/XX/2022. This has adversely impacting my credit profile and thus my financial health. Further this failure to update my XXXX account is in violation of the Fair Credit Reporting Act, which legally obliges credit providers as well as credit reporters to make prompt regular monthly reports with fail!
Product: Debt collection

Sunrise claims to be an original creditor for an account that was opened in XX/XX/2024 and is reported as seriously delinquent for the sum of {$1700.00} in total. Absent is the account number. Additionally, Sunrise has for months now made calls and sent letters, to unlawfully collect a debt, in violation of federal and state statutes. To be clear, this sum of money seems to represent a dispute I had with a real original creditor some four years ago ; that being XXXX XXXX XXXX, for the same identical sum, that being {$1700.00}. I did not pay XXXX XXXX XXXX  because I returned the rental XXXX back to them, eliminating my obligation to pay for the device I was at one time renting. XXXX XXXX XXXX resolved the problem and Ive never been billed by them or heard from anyone, until now. The statute of limitations has also expired as to any civil enforcement of the disputed sum. I think we both know that Sunrise either purchased this account from and which was written-off by XXXX XXXX XXXX ; likely for the customary 2-3 % of the face amount ; or in the alternative, Sunrise is acting as a duly appointed collection agent on their behalf. In either case, Sunrise is making unlawful reports to my credit bureau files as it relates to the matter. Sunrise is reporting to the credit bureaus that they are they original creditor for an account established in XX/XX/2024 that has an unpaid and delinquent debt in the amount of {$1700.00}. Sunrise has never been the original creditor ; '' and this account was not opened in XX/XX/2024 of this year. Such unlawful reporting of this account has led to me to personally experience actionable damages, to include : being denied employment; denied credit approval for the purchase of a new car, unless I agree to a 9 % surcharged interest to 17.99 % totally over XXXX XXXX dollars in actual damages ; and, I have needlessly been harassed by Sunrise.
Product: Credit reporting or other personal consumer reports

There are several billing errors in my credit reportlate payments that dont match my regular payment history. Please update my account to correct these discrepancies.
Product: Credit card

Dear Sir/Madam, In XX/XX/year> I see some good animals or birds in one website which is XXXX  and like one Parrot which is XXXX XXXX XXXX XXXX who speak like us as humans and talked with us. I saw his video in there website and like it to buy. But his prize is too costly but after that I buy that Parrot from my Best Buy Credit Card whose Original Creditor is Citibank. That Parrot cost is {$860.00} + shipping fees = {$940.00} I paid to that Company name XXXX XXXX XXXX on XX/XX/year>. 

Than that Company said I want to wait some months because this Parrot takes some time to train and than shipped to me. Than I waited. But when its been 2 months Completed I didn't receive the Parrot I contacted Company again that when I gon na receive my Parrot, than they said that it takes some more times please give us some more moment. Than I doubt in them and searched about them and saw that Company was scam in XXXX. They takes money from Peoples Credit Card and never sold as sent birds in peoples home.

So I informed that Company to canceled the Parrot and give back my refund. But than that Company said that we can't give refund you can do anything. Than I tried to dispute that fraud transaction from Best Buy and one time Best Buy disputed that transaction and give credit to me and changed my Card Number.

But they are Scammer, I don't know how they got my new Card number and charged {$940.00} again on same day when Best Buy gave Credits to me and ran away. After that they closed there everything. That was there last day. They closed there website there Business and yeah they won't have any phone number and never come in phone. They only talked in email. So they closed there everything and ran away. 

Than I called Best Buy again to re-dispute that transaction which they charged again but than they said I can wait some days until than they can tried to dispute that transaction. Its been 1 year completed but Best Buy didn't disputed that transaction again from my account and tried to billed me to paid that amount to them which I didn't used. I contacted Original Creditor Citibank to dispute that transaction but Citibank also taken days and days or month by month but didn't dispute that fraud transaction and billed me every month to pay there transaction amount which I didn't used.

This time also Best Buy as Citibank shows me to pay {$1200.00} and more and monthly payment of {$150.00} to them. As you cut {$1200.00} - {$940.00} = XXXX. This is my Current balance want to be but Citibank making money by asking to pay more minimum payment. Until now I paid there full balance by not calculating {$940.00}. So I request CFPB to help me do something with Citibank not taking more unauthorized money from me. CFPB can search that company information anywhere in XXXX by entering there name as XXXX XXXX XXXX. They can search by entering XXXX XXXX XXXX as scammer than they see the result. 

Thank You, XXXX XXXX
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.

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 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: Money transfer, virtual currency, or money service

Well, I was looking for transactions that were supposed to be on my XXXX XXXX called and then, when I call XXXX XXXX, they never get back to me. They always sent me to a machine talks. But they never call me back or try to help me to resolve my problems.
Product: Credit reporting

I have been really bad communication with Transunion credit bureau. I have stated over the phone and sent certified letters to have unauthorized inquiries removed from my credit report.
Product: Credit card or prepaid card

Hello. Netspend simply closed my account for no reason. I submitted the identity documents that they provided and they sent me a message telling me We have received your documents. Unfortunately, we are unable to verify your identity with the documents you provided. 

All U.S. financial institutions are required by federal law to verify specific customer identity information. 

This account has been closed. If there are funds remaining on this account, a check will be issued to the cardholder at the address on the account or funds may be returned to sender, depending on the origin of the funds. 

For additional information please contact Customer Service by calling the number located on the back of your card. 

Thank you. 



XXXX Customer Service
Product: Debt collection

The company reporting to my credit is ARS Account Resolutions. They are reporting three different amounts so therefore they are listed on all three of my credit reports three different times. I have tried to get the company to send me proof of the contract and debt. They have not done so. Im hoping by filing this complaint they will verify the debt or remove it from my credit reports. Im would like to buy a home a home for my family and I soon.
Product: Debt collection

This bottom feeder business is attempting to collect an alleged debt that is well past the statute of limitations for both credit reporting and/or legal action. Upon receipt, the business should immediately cease and desist all activities for an alleged debt on XXXX account : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. 
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: Credit reporting or other personal consumer reports

As per 15 USC 1611 Experian, XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection BureauXXXX Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Debt collection

I am demanding removal of this collection from Jefferson Capital Systems. My debt is not with them. I do not owe them the {$820.00} that is reflected on my credit report and it is deeply impacting my credit score. Jefferson Capital Systems claims that the debit is from XXXX XXXX, but can not show proof that I owe them this debt or that I have ever had any contractual obligations to them. I have requested validation of this debt but have received no response from Jefferson Capital.
Product: Credit reporting or other personal consumer reports

I credit was used by companies Ive havent given permission to use .
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXX XX/XX/XXXX