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

I disputed in XXXX unauthorized inquiries and multiple accounts that are charged off which are wrong and another account that does not belong to me. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX Also please delete any phone numbers on my report if it is not : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to delete any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

About Paypal XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX I can not access my account because of Paypal 's requirement that I enter my Mobile phone number. 

1 ) I do not have a Mobile phone number 2 ) They refuse to recognize my Landline phone 3 ) Their human customer service is NOT accessible by phone
Product: Checking or savings account

Bank of America has an debit on account of amount of XXXX and have taken a sum XXXX from accounts and sum of XXXX and XXXX out of two account before this not one of them customer service people can explain why these funds are being taken out of these accounts and further information this bank changed my debit card and sent the new to an old address which clearly change on the bank website
Product: Credit reporting or other personal consumer reports

Viewed consumer reports recently and see that TransUnion is reporting illegal late payments on account without consent or permissible purpose
Product: Money transfer, virtual currency, or money service

Could not speak to a live person who problem was creating transferring funds from my account.
Product: Credit card

My US mail is currently being forwarded to my second home address in Montana. Yesterday in my forwarded mail I received a new credit card from Bank of America labelled as an Allegiant rewards card. Also in the mail were three identical notices that Bank of America sent stated that they " detected suspicious activity on your credit card and as a precaution, we've temporarily suspended your account. '' They also stated that they tried to call me but I have no record of those calls. They gave an 800 number to call them right away. These letters were dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called the 800 number yesterday and Bank of America did locate my account with the number that was on the credit card and closed the account calling it fraudulant. They advised that I call the three credit bureaus and social security administration to put " watches '' on my profile.

I recently flew with Allegiant Airlines and while using their website to check in for flights, I noticed that most links that I clicked on threw errors. I suspect that this card was opened due to their website being hacked. I can not contact Allegiant as they do not publish any phone numbers to contact them.
Product: Credit reporting or other personal consumer reports

I DISCOVERED THAT MY PERSONAL INFORMATION HAD BEEN USED TO OPEN UNAUTHORIZED ACCOUNTS. WITHOUT MY CONCENT.
Product: Credit reporting or other personal consumer reports

The company who filed a collection, does not have a signed contract from me, this account doesnt belong to me and the company can not be found on the XXXX website. They are a scam
Product: Credit reporting or other personal consumer reports

Im writing regarding an ongoing issue with my credit report involving XXXX fraudulent accounts : XXXX  XXXX  and XXXX XXXX. On XX/XX/2024, I received confirmation from Experian that only XXXX negative account ( XXXX XXXX ) remained on my report. Then, on XX/XX/2024, I was informed that the XXXX XXXX account had been deleted. At that point, I assumed both fraudulent accounts had been fully resolved and removed. However, upon reviewing my updated credit report, I noticed that the XXXX accounts have reappeared. I was not notified about this reinsertion, which I understand violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). Specifically, I did not receive the required notice within five business days of the account being reinserted. This lack of communication and failure to comply with legal requirements is deeply frustrating. I am requesting the immediate removal of these fraudulent accounts from my credit report. As these accounts are tied to identity theft, their presence is both inaccurate and damaging. Please confirm once this issue has been resolved and let me know if you require any additional information from me to expedite this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was reinserted without a proper & required 5 day notice. 

No notice was sent to me!
Product: Debt collection

Greetings, I need help with information I detected from LVNV FUNDING LLC XXXX XXXX XXXX, XXXX, SC XXXX This notice is a Validation of a Debt Request ; Pursuant to 15 USC 1692gb. Cease and Desist Pursuant 15 USC 1692 ( C ) ( c ) LVNV FUNDING LLC XXXX XXXX XXXX, XXXX, SC XXXX Please be advised that I hereby dispute the validity of the alleged debts listed below in their entirety. 
LVNV FUNDING LLC alleged debt for {$1100.00} and LVNV FUNDING LLC alleged debt for {$1200.00} LVNV FUNDING LLC, I am unaware of the alleged debts, I didnt have an opportunity to dispute the information / alleged debts. I did not receive proper notification ; if in fact you believe you furnished me with appropriate notification then please send me a copy of the certified receipts with my signature on it and furnish a copy of a contract or agreement.
Product: Debt collection

XXXX XXXX XXXX, LA XXXX Franklin Collection Service XXXX XXXX XXXX, MS XXXX Account Number # XXXX Dear Franklin Collections, I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to nd any documentation of any contractual relationship between ( name of company ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verication or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certied copy of an original contract, with my signature, specically naming your company as a person entitled to enforce a commercial claim against me. Certication can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( name of president ) and ( name of company ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will le a complaint with the Attorney General and Federal Trade Commission, and le a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the State Bar Association and Professional Liability Fund for code of ethics violations. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have multiple inquiries on my credit report that were made from XXXX - XXXX that i had no clue about until i checked
Product: Credit reporting or other personal consumer reports

last month i found out that i had some negative accounts on my credit report that were caused by my ex girlfriend XXXX XXXX and the bureaus refused to remove them from my credit report
Product: Credit card

Today I received a prescreened offer from Capital One for a credit card. ( Reservation # XXXX Access Code XXXX ). This offer was very confusing to me as I am 1 ) XXXX ) 2 ) low income 3 ) have a low credit score and am not eligible for credit cards. I contacted the opt out phone number given by Capital and could not complete the process because the automated system inappropriately asked for my social security number and date of birth. This complaint is to have you stop Capital or any other bank from making offers to people who are clearly not eligible and to stop the credit card opt out company from asking for inappropriate information.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measre of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I'm requesting they eliminate this 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 Bureau. Cc Attorney 's General Office. Cc XXXX XXXX XXXX Co State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptrollen of the Currency. Cc Federal Reserve System. XXXX XXXXXXXX XXXX XXXXXXXX. XXXX Federal Trade CommissionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XXXX XXXX XXXXXX/XX/XXXX Dear XXXX, XXXX, and Equifax I am writing to formally dispute certain information in my credit report. I obtained a copy of my report and believe the following information is inaccurate. 
Account Information Creditor Name : XXXX XXXX XXXX Balance : {$590.00} Opened : XX/XX/XXXX Reasons for Dispute : Incomplete Creditor Information : The report does not provide sufficient details about the original creditor associated with this account. 
Disputed Status : The account is marked as disputed ; however, I did not initiate a dispute with your agency. 
Account XXXX : This account should be marked as resolved/paid or closed, as I have communicated with XXXX XXXX regarding this matter. 
Identity Theft Concerns : Under 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information identified as resulting from alleged identity theft within 4 business days of receipt. I believe this account may fall under that provision.

Accuracy Violations : Pursuant to 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), this account is in violation of not reporting 100 % accurately. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Privacy Rights : Under 15 USC 1681 section 602 ( a ), I have the right to privacy, and pursuant to 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting the original copy of the agreement, terms, and conditions associated with this account. Failure to comply will forfeit your claims and require you to delete this account from my credit report. You are required to block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. 
Please delete this account unless you wish to be held accountable for {$1000.00} per account. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I was out of work due to XXXX and had filed a XXXX XXXX and XXXX XXXX  against my former employer. I was able to reset the payment agreement. Once my unemployment appeal was reviewed and overturned in my favor but fell behind again while I was going through the court proceedings. I finally received my settlement and had been trying to contact the company for the payoff amount but was unable to reach anyone. At the local office or at the financing office. Anyone i spoke with would put me on hold and then disconnect. The local office was shutting down at the time and I don't know if that may have been what's causing all the problems with this matter, but I still can not get any answers or resolutions. The car broke down shortly after I received my settlement and was actually repossessed when I was working on getting it to a garage. I again tried to contact the company for payoff information, or how to get my items in the vehicle back, or where I may potentially buy the vehicle back in an auction at a specified date and time. I never received any answers or call backs. So now over a year later I'm still trying to find out what happened to the vehicle, why was it not handled correctly where I had the chance to buy the vehicle or buy it back and why is it showing on my report with nothing except the amount I had paid being the only amount deducted. If the car was repossessed and resold then that amount should have been deducted from the total.
Product: Credit reporting or other personal consumer reports

after recently looking over my credit report, this one account has been inaccurate for years and is affecting my life negatively. i do not owe this unauthorized account and need it removed. WESTLAKE PORTFOLIO MGM - XXXX please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair Credit Reporting act XXXXXXXX XXXX Bank XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXk XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$270.00} XX/XX/XXXXXXXX XXXX XXXX MI XXXXXXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXXXXXX XXXX MI XXXX XXXX XXXX {$45000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$5100.00} XX/XX/XXXXXXXX XXXX XXXX MI XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX  XXXX XXXX {$440.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and not a credit repair company -Bankruptcy chapter XXXX XXXX U.S. Bankruptcy Court XX/XX/XXXX -Bankruptcy chapter XXXX XXXX us bankruptcy court XX/XX/XXXX, I have asked more than 3x for a response as to how this information was verified and whom did they speak to? I have submitted proof from the Us Babkruptcy court stating they do not furnish bankruptcy, judgments or liens to the credit bureaus. The FCRA states " I have the right to a complete and accurate credit report, and any errors must be deleted.

I have exhausted my options with no result. 

-Original creditor XXXX XX/XX/XXXX {$170.00}, The fcra states I have the right to a accurate and complete credit report. This account on my credit report is inaccurate and has incomplete information as to whom the creditor is, which makes this account inaccurate. I have demanded that this account be removed from my credit report because it has caused unwanted derogatory marks, causing my creditor score to be lower. 

-XXXX  XXXX XXXX XXXX XX/XX/XXXX This account has reported inaccuracies and i demanded it be deleted. The open dates has XX/XX/XXXX transunion, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX which shows different opening dates which are inaccurate, Transunion reports no data for the history of payments, XXXX reports the account being charged off, XXXX reports the account as OK. There can not be 3 different reports for the same account. The reporting data has must to match to be accurate. Thus making this account inaccurate and I demand that this be deleted. 

XXXX XXXX  XXXX XX/XX/XXXX this account is reporting inaccurate date to my credit report and causing derogatory marks, which in turn is lowering my credit score. 
You are report my account as charged off. Transunion is reporting this account with no data. XXXX is reporting as charged- off and XXXX  is reporting as OK. All 3 credit bureaus must rert accurate data. Transunion, XXXX and XXXX can not report different payment data. It has to match. The date of last activity is different from transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. The correct opening date can not be determined because it does not match, therefore this is inaccurate. I demand that it be removed from my credit report.
Product: Checking or savings account

I opened a CD with Goldman Sachs on XX/XX/XXXX. It auto-renewed on XXXX/XXXX but I received notification of the renewal on XX/XX/XXXX, which is after the ten day grace period for renewal. I called the company and was told that the procedures for renewing are disclosed in the DD & A. 

I think waiting to notify an investor of a CD renewal AFTER the grace period is not within the rules of fair disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   report remains incorrect due to incorrect reporting  by the Lender ISP. We   never closed the acct. Our reverse mortgage lender paid them by agreement disbursement. We only requested they remove the lien on the water conditioner. They stated " due to that they are required by  the Fair Debt Reporting Act '' to fil e that way? That remains a negative on  XXXX , has handicapped our ability to finance our additional debt and placed us in significant financial harm.   XXXX   report #  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I noticed a new inquiry from XXXX XXXX 4 different times on my report. I have never applied for this account especially not this many times please remove this for it is fraudulent that this company allows this
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered a {$500.00} XXXX Gift Card from the XXXX website ( order number XXXX ). The total cost of the order was {$500.00}. I never received the card. On XX/XX/XXXX, I called the customer service number ( XXXX XXXX ). to let them know I had not received the card in the mail. The representative verified there was {$500.00} on the card. He also blocked the card so it could not be used. He issued a ticket number - XXXX, and told me I should receive a refund to my credit card within 3-6 business days. 

I called customer service again today, XX/XX/XXXX. The representative told me there was no progress taken on this issue. When I asked if we could do anything to ensure this issue would be processed, she just told me they were backed up and had not gotten to my ticket number yet. I do n't even know that the company intends to do anything with this.