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

My x wife divorce me in XXXX. Her, or members of her family took out credit in my name without my knowledge or consent. I have made a good faith effort to attempt to resolve the matter with the creditors, and with the reporting agencies but with no success. I am working in XXXX, and this is effecting my security clearance. 

The reports are totally wrong. I dispute these accounts reported falsely on : XXXX XXXX Experian These are the accounts that I dispute in full and must be removed. 

XXXX. Charged off XXXX XXXX XXXX opened XX/XX/XXXX without my knowledge or consent Not my account XXXX. These following closed accounts, none of them were opened by me and are not mine : XXXX XXXX XXXXXXXX Reported : XX/XX/XXXX {$1000.00} Closed XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX Finally, my address is also listed on the 3 Credit Bureaus incorrectly. I have asked them to remove my X wife address over and over, but they refuse. 

My only address, since XXXX, is the following : XXXX XXXX XXXX XXXX, Maine XXXX Please ask the three credit reporting companies to remove these two addresses immediately, I have never lived at the below : XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX There are also 2 collection agency accounts that do not belong to me : XXXX XXXX XXXX Reported : XX/XX/XXXX {$1900.00} Outstanding XXXX XXXX XXXX Reported : XX/XX/XXXX {$1300.00} Outstanding Please correct these terrible mistakes, 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

I respectfully request that you issue direction to these three companies XXXX. XXXX XXXX. XXXX XXXX. Experian Please also remove the false history from the Attorney General Office for the State of Texas. I have NEVER missed a payment EVER on my child support. t Thank you. 

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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX  Balance details 5 % paid off Balance {$32000.00} Balance updated XX/XX/XXXX Original balance {$34000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment account Payment summary No payment history available to display. 
Status Charged off as bad debt Status updated XX/XX/XXXX Past due amount {$32000.00} Original balance {$34000.00} Monthly payment - Additional info Responsibility Individual account Terms 75 Months XXXX sold - Original creditor - Comments Account information disputed by consumer Your statement - Contact info Address XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN XXXX  DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' " PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! 
I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 


RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 


It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  - Account XXXX : XXXX Account Name : XXXX. XXXX, XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account NaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 BANK XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the accuracy of the reporting of a charge-off on my credit report. Upon reviewing my credit file, I noticed that the account listed under XXXX  with account number # XXXX opened on XX/XX/year> still shows a balance. According to the Fair Credit Reporting Act ( FCRA ), information reported to the credit bureaus must be accurate and verifiable. As you are aware, once an account is charged off, the creditor should not continue reporting a balance unless the balance has been paid in full or settled. The continued reporting of this charge-off with an outstanding balance is misleading and violates my rights under the FCRA. Please be advised of the following : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 609 of the FCRA, I have the right to dispute any information on my credit report that is inaccurate or incomplete. Section 611 ( a ) ( 1 ) of the FCRA also mandates that credit bureaus investigate disputed information and correct or remove any inaccuracies within 30 days. 2. Fair Debt Collection Practices Act ( FDCPA ) : If this account is being managed by a collection agency, please ensure that they are also in compliance with the FDCPA, which prohibits misleading or false representations regarding the amount or legal status of a debt. I am requesting that you investigate this charge-off, correct the balance reported, and provide me with documentation verifying the accuracy of this charge-off. If the creditor is unable to substantiate the balance or the charge-off status, I request that the balance be removed from my credit report entirely. Please send me written confirmation that this dispute is being investigated, and that the necessary corrections will be made in accordance with the law. Thank you for your attention to this matter. I look forward to your prompt response.
Product: Money transfer, virtual currency, or money service

As of XX/XX/XXXX, it was XXXX in my account on direct express from ssi. I called on 6 I was told that someone had my information and made purchases. I was transferred to someone else who was to start the refund process. I was on hold for a hour then the phone disconnected. I called 3 more times and each time phone was disconnected. It sounded like someone picked up and hung rite up again.Ok called today I canceled the old card and had them issue another card. That person transferred me to someone's else who told me to go back to main menu reenter my ss number. Because the old card was canceled all they say was I get a new card in 7 to 10 days call disconnected.
Product: Mortgage

I changed insurance companies and was told Firstbank would be notified of the change. I received a letter stating that if I didn't upload the declaration page of my new insurance I would be charged for insurance they would purchase. I immediately uploaded the declaration page. I called a few days later and the representative told me it was received and assured me it was resolved. 
I got another letter the following month stating the same thing. I uploaded the information again and this time I got a text XX/XX/29 ) that it was received and was being processed. 
I then got a letter stating that since I had not responded they purchased insurance on my behalf. I called and the representative assured me that they have the current insurance information and declaration page, and he didn't know why this was happening. He said they had charged me for the monthly premium on the second policy and would refund it. 
Then I got a letter stating that the escrow account they had opened was not sufficient to pay for the 2 insurance policies they had purchased for me and my monthly mortgage payment was going to go up almost {$300.00}.
Product: Credit reporting or other personal consumer reports

this is a medical payments excess medical already been payed off my medical private this is a HIPAA VIOLATION -Healthcare LAW-ATTORNEY THE ATTORNEY GENERAL OFFICE PUBLIC INQUIRY UNIT XXXX XXXX XXXX XXXX XXXX 
XXXX WWW.OAG.CA.GOV THIS IS UNDER CODE XXXXXXXX XXXX XXXX XXXX BALANCE {$2900.00} HAS BEEN PAID ACCOUNT # XXXX OPEN XX/XX/XXXX XX/XX/XXXX THOUGH XXXX XXXX XXXX XXXX COMPENSATION REPORTED XX/XX/XXXX
Product: Credit card or prepaid card

OnXX/XX/2020 I made my payment of XXXX, statement XXXX and asked the XXXX yo close my ac. My pymt conf email however came to me on the XXXX but said in the body that my internet connection was on XX/XX/2020. I called about it. It affected my credit because I closed the ac. The bank however sent two more statements saying I owed and kept reporting on my credit affecting my credit of course. 
They then changed the closed ac to an ac with a cr limit and a lower amt they wanted me to pay. 
I paid the amt today to get them to go away. Will they now close the account AGAIN TO report a 2nd time to the credit bureaus? Can an account be closed twice because the bank is evil? I did not owe the amount I paid today of $ {$14.00}. But they kept generating amts and putting fictional cr limits to my name. I do not have a card since XX/XX/2020 Why is this bank doing this? Can they reopen a closed account and put a cr limit on it without my permission?
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter to Experian for Method of investigation for account Bankruptcy reference number XXXX. However its been more than 30 days and Experian failed to send my investigation back. This is not making any sense. I have also contacted XXXX XXXX for verification and they stated they do not have this account on my file. I have also reached out to the court and they also responded that they do not report any information to any third parties. Where are they getting this information from? 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer I would like to know who they talked to. 

How did they complete this investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FCRA XXXX, REPORTING AKA 'S AND ALIAS NAMES AND ADDRESSES UNDELIVERABLE TO ME, ARE VIOLATING MY RIGHTS. 

15 USC 1681 602A I HAVE A RIGHT TO PRIVACY 15 USC 1681 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNTS WITHOUT WRITTEN INSTRUCTIONS. 

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

In accordance with the Fair Credit Reporting Act, Early Warning Services , LLC has violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. This entity also violated 15 U.S. Code 1602. Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

It clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I have communicated with Early Warning Services , LLC supplying them with the following : Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, un-written, verbal, and non-verbal per 15 USC 6802 ( b ). I do not give you permission to access, use nor house my information and any such use is in violation of 18 USC 1028A Aggravated Identity Theft.

I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency nor notification that Early Warning Services had possession of my information.
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : TBOM/ASPIRE XXXX $ and opened on XX/XX/XXXX was late on XX/XX/XXXX and XX/XX/XXXX. I intended to remove my late payment from my credit. Also, I have an Inquiry with XXXX on XX/XX/XXXX and would like to be remove from my credit. In addition, to XXXX XXXX on XX/XX/XXXX. Moreover, XXXXXXXX XXXX XXXXe Inquiry done on XX/XX/XXXX. Also, XXXX XXXX Inquiry done on XX/XX/XXXX. Finally, XXXX Inquiry done on XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights. This debt is not mine and please see attachment below.
Product: Payday loan, title loan, or personal loan

I obtained an {$800.00} XXXX XXXX XXXX  loan from Spotloan in XXXX of XXXX. The terms of the loan were ; I was to pay {$140.00} bi-weekly for 10 months, and payments were automatically drafted from my checking account. However, I'm still being charged. I contacted the company and asked why? I was told I missed a payment and it extended my loan until XXXX of XXXX. I was also told they " tried '' to contact me, but couldn't. Yet I did speak with a representative who informed me I could refinance and borrow more money, which I declined. I authorized a payment be drafted from my bank account and believed I was current. I was not, and they have been charging me interest daily. My current balance is {$640.00} after paying {$280.00} for 11 months.
Product: Credit card

I went to purchase a XXXX two years ago and applied for this card, The APR was not what they told me it would be so we paid cash and told them int he store to close the card. They said it was closed. Months later we find out we were charged for the merchandise anyway. We then went through a lengthy dispute process and asked them then to close the account, they agreed. A year later we get charged a late fee on a annual fee charge on a card we closed. Again a long lengthy dispute process. they send us notification the account was closed but refused to show where they removed the fraudulent fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

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, all accounts that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Please remove this information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this information on my credit report 3. XXXX  XXXX account # XXXX the balance was reported wrong, the correct amount is {$1700.00} and I have uploaded a screenshot and statement to confirm this. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. 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. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I wired transfer monies and got scammed
Product: Credit reporting or other personal consumer reports

Total Visa is breaking the Law according to FCRA, by law this company must provide me a copy of the original contact with my signature on it to validate this account belongs to me which they have not. By law this account must be deleted from my credit report. I have supplied this company with Identity theft documentation and all other documentation they have requested including utility bill from XX/XX/year> which is verification that I was not living in the state this account was opened under. They are terribly difficult to deal with, several representatives stating false information that they can not find an account under my name refusing to allow me to speak to the correct departments to report the fraudulent incident. This company has damaged my credit and next steps will be to file a lawsuit for damages. Total Visa is a very bad company and I do not recommend anyone do business with them. After I have supplied them with all the correct documentation required by law they are fraudulently reporting to my credit and action needs to be take against this company! Total visa also stated that they would escalate this situation but has provided no further details. This matter needs to be investigated and solved Immediately.
Product: Debt collection

Hello, The collection agency Waypoint Resource Group located at XXXX XXXX XXXX XXXX XXXX, TX XXXX reported a {$470.00} debt on my credit XX/XX/22. I never received any correspondence from this collection agency prior to the debt being reported on my credit. On XX/XX/22 I sent a certified mail debt validation request letter to the collection agency. The letter was delivered and given to an individual at the collection agency XX/XX/22 per XXXX tracking number. It has been almost XXXX months since I have not received a response back from the collection agency in regards to my debt validation request letter.