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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Bank of America offers co-branded credit cards with   XXXX    XXXX . They offer  XXXX  versions of the credit card with very different rewards and sign-on bonuses.     Bank of America 's application is problematic because a consumer will apply for the credit card with the better rewards/bonuses, but the bank will make the final determination of which version of the credit card the consumer will   receive.
I applied for Bank of America/  XXXX   XXXX   Signature Card. My applicati  on was approved, but Bank of America sent me the Platinum Card which provides lesser rewards/bonuses. I cancelled my card.     Bank of America should simply have  XXXX  separate applications for their  XXXX   XXXX  credit cards. I would rather be denied for the card I applied for instead of receive a card I do not want. Going through this application process is a waste of time and effort, as well as a cost imposed on m y credit score, when I can not simply apply for the card I want.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX {$23000.00} XXXX  XXXX XXXX {$480.00}
Product: Debt collection

Between XXXX XXXX, and XXXX on XXXX XXXX, I have received 52 phones calls from Conn 's appliance in attempt to collect a debt. I 'm not disputing the debt, and intend to pay once I secure finances to do so. I have asked to be taken off of their automated phone cue, as they stated this was the reason for the excessive calls. However, I still receive anywhere from 8-13 calls a day.
Product: Checking or savings account

I set up two separate withdrawal requests on XXXX XXXX, 2018 for the amounts below : XXXX XXXX, 2018 for {$1700.00} USD ( Simple Savings : XXXX ) XXXX XXXX, 2018 for {$250.00} USD ( Simple Savings : XXXX ) I clearly was able to transfer {$5000.00} to the Simple savings account ... .so it DOES exist. 
One week after I set up these very important withdrawals I received the same message ( for BOTH transactions ) from the 3rd party who was to rx these two withdrawals as deposits. One of the messages showns below : " Your transfer on XXXX XXXX, 2018 for {$250.00} USD was reversed by your payment method. 
Unfortunately it looks like your bank ( TD Bank - TD SIMPLE SA ... XXXX ) has reversed your payment with the following message : No Account / Unable to Locate Account ( XXXX ). '' Am I going to have to WAIT another WEEK to get MY MONEY?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has posted a collection against my credit reports where the credit card was originally with XXXX XXXX XXXX. This account was a charge of well over 7-years ago. Yet XXXX XXXX XXXX obtained the information pertaining to this account from a debt pooling subsidiary. The collection should never have been reported on any of my credit bureaus, and the original account is not even posted on my credit reports due to the 7-year rule application of the Fair Credit Reporting Act. XXXX XXXX XXXX in in direct violation of their subscriber agreement with the credit reporting agencies, and should be sanctioned for these aggressive and illegal collection practices. The account must be deleted permanently and the account information purged immediately.
Product: Payday loan, title loan, or personal loan

I contacted XXXX that I noticed XXXX ACH withdrawals from my checking account. Both from XXXX. The first for - {$1100.00}. XXXX XXXX XXXX. The XXXX was - {$430.00}. An additional payment. I contacted both the merchant ( Lendumo ) and XXXX. Can we resolve this additional payment. Lendumos response was sorry. We cant offer to refund- {$430.00}. Since the loan was payed off. XXXX told me they will investigate the matter and contact the merchant. With a conditional credit of- {$430.00}. To my checking account. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax and reported multiple inquiries I have not authorized. I advised Equifax that Ive already contacted every creditor that pulled my credit report without my permission and they instructed me to call them on every call. Equifax told me to file a complaint with consumer finance.
Product: Mortgage

Shellpoint mortgage service took over my mortgage loan XXXX XXXX. They will not send me monthly mortgage statements because I filed chapter XXXX I requested verbally and by email and they are refusing to send me my mortgage statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft. I have been for the the past two months constantly disputing errors on my credit reports. Now I have a service with TransUnion called true identity. Today Ive just realized I had our purchased this service. So I have been in contact with TransUnion multiple times. They are very unhelpful. They have my account to dispute locked up so I can not submit my initial fraud affidavit online. I spent hours calling and they are completely rude and not wanting you help. Its obvious of that much. I paid for an identity theft resorting service through them. I called today specifically about this to get told a different phone number I need to call each time total of 3-4 times. I have spoken to this company numerous times and am very dissatisfied with the type of treatment / service Ive received. Im the victim here they dont seem to care they just want to get me off the phone ASAP. Should I sue? Im unsure what to do about this. Also XXXX was pretty much the same way while XXXX fraud department was excellent to deal with. I think TransUnion and XXXX should learn to treat the victims as such. I will add my information was compromised to my knowledge in both companys past breaches. I believe that all non account holding inquiries are fraud. As well accounts labeled XXXX XXXX XXXX, XXXX, XXXX, XXXX,. Ive tried contacting the creditors as well asking for debt verification and received one response form a company called total card which I will attach this letter. Delete all inaccurate fraudulent unverifiable information immediately while Under investigations and after as well. Because I have no knowledge of the disputed items.
Product: Checking or savings account

Wells Fargo Bank repeatedly allowed fraudulent transactions to all my accounts costing me over $ XXXX and credit reports problems. They refuse despite DC police report XXXX and other evidence from XXXX XXXX, DC DISB to acknowledge and take responsibility for the fraud. My address for banking was XXXX XXXX XXXX DC XXXX. Fraudulent transactions was done in 2019 especially in XXXX and XXXX. .All accounts was affected XXXX. XXXX and all other accounts including checking and savings was compromised.
Product: Credit reporting or other personal consumer reports

I was recently released from from XXXX  and I discovered I was a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that bankruptcy XXXX  XXXX is incomplete and inaccurate on my credit report remain a faurd which close as order by the judge XXXX XXXX stated that XX/XX/2019 bankruptcy have been closed due to non verify information on credit report, so she submitted the documents to XXXX fail to respond. Also department of XXXX submitted that XXXX accounts with XXXX balance and it's been XXXX completely off my credit report. I am requesting a investigation under the FCRA to removal of theses items of my credit report.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$370.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ran a hard search on my account which I did not authorized on XXXX XXXX, 2022. I called them and they are not able to give me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I ( XXXX XXXX XXXX ) sent a dispute to company Portfolio Rec and its Affiliates. regarding an alleged inaccurate debt that was place unto my consumer report. there are an erroneous number of inaccuracies across all three major consumer reporting agencies. reported by portfolio Recovery Company and its associates. 
Which they are prohibited to furnishing such information if it's known to be inaccurate By Law under the FCRA They have a grave duty and responsibility to ; The lender must file form 1099-C and send you a copy if the amount of debt canceled is {$600.00} Or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1. 

( That above paragraph is taken directly from the IRS publication XXXX ) Send me my 1099-C form that you should have sent when you filed this account as a cancel debt. 
I will list my address below and above 15 U.S.CODE 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

This company is knowingly and willfully being noncompliant with the FCRA, AND FDCPA. 
These erroneous reporting is fraudulent being that it's a Collection/ Charge-off, late 120 Days, One XXXX XXXX  Account Have been split between two debt buyers ' companies who are affiliates with one another. 
This is fraudulent to write it off as a charge-off but still try to collect on the same account under affiliates. 
with different reporting. 
Their ignorance to the law is no excuse for the substantial number of damages this company have caused me and my family. due to their negligence and noncompliance with congress Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

An accordance with the fair credit reporting act. ( XXXX  ) ( Acct # XXXX ) has violated my rights. 15usc1681 section 602a states I have the right to privacy. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX . XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted my second round of dispute letters to Equifax regarding incorrect accounts XXXX XXXX  XXXX XXXX  ( is not mine ) please remove, they have not. I am requesting that they move mechants credit accounts as they are inaccurate, as well as late payments to XXXX XXXX XXXX XXXX XXXX and Department of Education/XXXX late payments as well as XXXX late payments. 

Also my name is mispelled several times and my address and employer are wrong. Please update as this is having a negative impact on my credit score, and I would like it removed. 

Thank you for your assistance,
Product: Debt collection

I have requested verification and validation per my right under the FDCPA section 809 a and b. This company refuses to provide. This is not my debt and I demand proof of this debt. This company has also continued to report a disputed debt on my credit report. Last four of my ssn are XXXX  and date of birth XX/XX/1988. Please submit proof that this is my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Remove the late payments from this account : XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have been made aware of the ongoing fraudulent actions being committed against my estate. These fraudulent actions are in multiple violations of 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, and in turn have caused me a great deal of stress along with an exponential amount of loss. Therefore, I am requesting that the reporting of the information be blocked and deleted along with payment of the civil liabilities outlined in 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION.

n accordance with 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 account number : XXXX {$670.00} XXXX XXXX  account XXXX {$430.00} XXXX XXXX XXXX account number : XXXX {$400.00} dept of education/XXXX account number : XXXX {$1700.00} XXXX XXXX account number : XXXX {$1700.00} XXXX XXXX XXXX account number : XXXX {$760.00} account number : XXXX {$680.00} us dept of XXXX account number : XXXX {$1700.00} hard inquiries as followed XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I havright 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed the following accounts on my credit report. These are an error or a result of fraud as they are not mine. 

XXXX XXXXXXXX {$210.00} Opened XXXX XXXX XXXX {$120.00} Opened XX/XX/XXXX XXXX {$280.00} XX/XX/XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX {$390.00} Opened XXXX XXXX XXXX {$890.00} Opened XX/XX/XXXX I've noticed most of these accounts are medical and this is a violation of Hippa that any of my supposed information is being shared. I never received medical services or otherwise or authorized anyone to obtain or share my medical information or otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been back and forth with Transunion not reporting my true accurate credit report by continuing to report unauthorized inquiries on my credit file. This has been causing me stress and anxiety for several months. I have contacted the company regarding these unauthorized inquiries and have not heard back from them. Transunion is obviously refusing to help correct this problem. When I was first made aware of this issue I immediately had a fraud alert placed on my file but obviously this does not help either. The following unauthorized inquiries being reported are : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX. Transunion is violating my rights by continuing to report these unauthorized inquiries and this is also an FCRA violation.. The only outcome is for Transunion to immediately delete these unauthorized inquiries and send me an updated corrected copy of my credit report with these deletions. Transunion is clearly not out to help the consumer. Also, I WILL NOT ACCEPT ANY OTHER RESPONSE OTHER THAN A DELETION OF THESE UNAUTHORIZED INQUIRIES. I DEMAND THAT TRANSUNION NOT BE ALLOWED TO MOCK THE CFPB 'S AUTHORITY AND VICTIMIZE ME BY IGNORING MY RIGHTS.