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

I got my XXXX Report on XX/XX/XXXX and 5 fraud charges are on it that do no belong to me and there are some co signers on some..I XXXX   XX/XX/XXXX {$6500.00} KeyBank Home Equity XX/XX/XXXX {$150000.00} XXXX   XXXX CC {$3500.00} XXXX CC {$10000.00} XXXX XXXX CC {$8900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts, filed a police report, and submitted an FTC complaint in reference to my case. I recently attempted to order cable last month and was denied and told I would need a deposit if I wanted to move forward as a result of my credit rating. Upon reviewing my credit report in XX/XX/XXXX, I noticed 7 separate fraudulent accounts ranging from credit accounts to utility bills. I have been successful in removing 3 items myself, but there are 4 accounts that still show up on my report that do not belong to me. The accounts in question are as follow : XXXX  XXXX account # XXXX, date opened : XX/XX/XXXX open balance : {$3100.00} ; XXXX XXXX account # XXXX, date opened : XX/XX/XXXX, open balance : {$290.00} ; XXXX. XXXX, XXXX account # : XXXXXXX, date opened : XX/XX/XXXX, open balance : {$200.00} ; XXXX XXXX XXXX account # : XXXXXXXXX, date opened : XX/XX/XXXX, open balance : {$270.00}. Clearly these accounts are all over the place, nowhere in my real credit file do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of the companies listed. Nor have I allowed anyone to use my information to acquire credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be removed from my credit report. I have acquired a police report and submitted it with this complaint. I have also included a copy of my ID, social security card and an FTC affidavit as required in F.C.R.A Section 605B.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ), I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. 

Below is a summary of the data in which I am challenging : Summary of Public Records being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX/XXXX/2024, I submitted a complaint to CFPB about a fraudulent account on my credit report. The CFPB notified TransUnion of this matter and they responded on XXXX/XXXX/2024. On XXXX/XXXX/2024, TransUnion ask for me to fill out a TransUnion XXXX diffently from XXXX I submitted to FTC IndentityTheft.gov. TransUnion has refused to abide by the laws FCRA section 605b and block account ending in # XXXX from my consumer report they rather choose to say the account was verified as accurate without providing any proof.
Product: Debt collection

I hope this message finds you well. I'm reaching out to address an issue regarding the delivery of my account statements. Despite being a loyal customer, I haven't received any statements for the past few months. Upon checking, I realized it might be due to a small balance in my account during that time. COMENITYCAPITAL/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX  I am submitting this complaint myself. I have been patiently waiting on AMERICRDT 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law XXXX  continued reporting as unverified information which now, given all my attempts XXXX  address it directly with the creditor, as willful negligence XXXX  non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : ( AMERICRDT Inquiry Date XX/XX/2020 )
Product: Debt collection

On or around XX/XX/XXXX I sent a request for validation of a supposed debt to Portfolio Recovery Associates, LLC ( " Portfolio '' ) regarding a XXXX XXXX XXXX XXXX account with a supposed balance of {$3800.00}. I received three responses, datedXX/XX/XXXX, XXXX, and XX/XX/XXXX, all of which stated that I " had the right to request substantiation of this debt '' but containing no substantiation of the debt in response to my validation request. On or around XX/XX/XXXX, I sent a second request for validation and received two responses. On XX/XX/XXXX Portfolio sent a letter advising me that they had " already responded to a previous dispute substantially the same as you present dispute '' and would not be providing the requested validation. OnXX/XX/XXXX, the sent me a nearly identical letter to the first three, stating that I " have the right to request substantiation of the debt '' but without substantiation/validation as required by the Fair Credit Reporting Act. They continue to report this debt on my credit report despite not responding to my validation request as required by law.
Product: Debt collection

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. Radius Global Solutions # 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. In addition to this any authorization verbal, nonverbal, and written. I am now resending this authorization to opt out via 15 USC 6802.
Product: Debt collection

I have repeated been in contact with the company : NCA - National Credit Adjustors NCA # :  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX I have reponded to all phone calls and correspondence by this company to explain that this debt has been settled with the original creditor. They continue to harass, report negatively on credit, and attempt to collect a fraudulent amount. 

They are purchased this debit in hopes of gain
Product: Credit reporting, credit repair services, or other personal consumer reports

NATIONAL AUTO LENDERS INC HAVE FAILED TO VERIFY THIS ACCOUNT ON XX/XX/2017. SO NOW IM ASKING FOR THE BELOW ITEMS OR THIS ACCOUNT IS FRAUDULENT PLACED IN MY NAME. I MY ALSO MAKING THIS REQUEST TO MEMBERS OF THIS FLORIDA CORP. ATT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX 

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt,
Product: Credit card

I was researching new cards for a potential balance transfer. My research showed the Citi Simplicity card might be a good fit. I could not get any information about credit limit thresholds so ended up unintentionally applying for the card while trying to get this information. I was approved for the card with a balance limit of {$3000.00} - much lower than what I was looking for. I did not realize I was applying for a card. Now I have a credit card that does not meet my needs and I risk impacting my credit score if I close it. I asked Citi to increase my credit limit and they declined telling me I need to have the card in good standing for 6 months before they can do this. I asked them if they could consider my existing Citi card and match the balance and they told me the fact I have another card, despite having a XXXX balance, this is why they can not approve my credit increase request. Consumers need to have information about credit limit thresholds made available before applying for cards. I would not have applied if I could have obtained the credit limit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM TRANSUNION & XXXX DATE OPENED-DATES DIFFER FROM TRANSUNION & XXXX BALANCE- AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM TRANSUNION & XXXX LAST REPORTED- DATE DIFFER FROM TRANSUNION & XXXX DATE LAST ACTIVE- DIFFER FROM TRANSUNION XXXX XXXX DATE OF LAST PAYMENT- DIFFER FROM TRANSUNION XXXX XXXX PAYMENT HISTORY- DIFFER FROM TRANSUNION & XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Product: Money transfer, virtual currency, or money service

I woke up one morning to a message saying my number and email have been blocked from zelle and that XXXX due to my account being reported multiple times hut i never recieved any warning about my account being reported so i corresct mistakes i made but my account was just blocked the only way else i could send and recieve money was through XXXX XXXX and today my XXXX XXXX was restricted for reasons i do not know why. I just need atleast one or both accounts to be resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Has potentially violated consumer law on sharing private financial data on the Internet via PDF of bank statements via this website and other sources. 

I do never signed any binding documents between Capital One and XXXX XXXX where I Agree to Capital One sale my information and share privacy staments is the law and my private data should not be share spatially financial data. 

Again, there is non and single agreement where I agree with capital one to sell my information, there is no a single document that says that this account could be handled by a 3rd party buyer to use my financial data for benefit or for profit. 

Im requesting a valid documentation where my self signed a document to Capital One that they are able to sell my personal stament information signed by my own hands and pencil that I agree this type of scams. 


Last warning I will bring this to court if you dont Cease and Desist of this matter by Monday I fully explained I dont own any money and I never authorized Capital One to sale my information private staments for profit NOTE : Will take you guys to court first to show when and how I signed any document that I agreed Capital One XXXX  to give you my staments and private information and when you have a valid authorization to keep private financial information in your personal files without my own approval. To BE MUST CLEAR THE FIRST TIME IM LOOKING A FULL STAMENT OF THIS ACCOUNT IS OUT OF YOUR HANDS SENDING A FULL PDF COPY THAT I EVEN DONT HAVE My Self on File.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report in Equifax. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if, after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiry. 

XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter to the credit bureau stating that these accounts are false and aren't mine and to please " investigate '' every piece of information on the accounts that I have listed. Also, I have attached the letter that I sent out most recently. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or livelihood is obtained through personal interviews with neighbors, friends, associates of the consumer reported on or with others whom he is acquainted or who have knowledge concerning any such items of information. I need a proper investigation completed along with every piece of information reported 100 % accurate pursuant to FRCA 15 USC 1681. 

They violated my consumer rights numerous times according to 15 USC 1681.

According to 15 USC 1681 section 602 A states I have the right to privacy. 
According to 15 USC 1681 Section 604A Section 2 it states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 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 accurate Please delete these accounts : XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XXXX. XXXX, 2018 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 5 mortgage accounts with XXXX XXXX XXXX XXXX XXXX Loan XXXX, XXXX, XXXX, XXXX. On XX/XX/21 they transferred the loans to XXXX XXXX XXXX XXXX. Now on my credit report I am having the same accounts reporting twice. They are duplicate and it lowered my XXXX XXXX more than XXXX points. I reported this to XXXX XXXX XXXX XXXX XXXX Servicing Department XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX ( Toll Free ). I reported this to XXXX XXXX at XXXX and XXXX Servicing at XXXX on XX/XX/21 but they have not fixed the issue. They are knowingly reporting data incorrectly. Additionally I have filed disputes with Experian, XXXX XXXX and XXXX but they reports are still showing incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute these inquires with XXXX XXXX. Both times I went to see if I prequalify around XXXX XXXX and of XXXX of this year. I never actually went through the process of applying for the loan. These inquiries should be removed. I sent them two letters in the past 30 days and I have not received a response. 

On another note, On another note Transunion XXXX XXXX show I owe nothing in student loans, but XXXX shows I do. It mentions in the Fair Credit Reporting Act that the agency must investigate unless your dispute is frivolous. 

It doesnt mention I have a XXXX balance on my XXXX account. It shows up on XXXX from my current knowledge of the situation. I didnt see it on Transunion XXXX That also makes we wonder how I received letters from different third party companies in the past 2 years that I owe money to them in regards to XXXX. This baffles my mind on how these credit bureaus are spewing inaccurate information.
Product: Credit card or prepaid card

On XX/XX/2023 I attempted to activate a monitoring subscription with XXXX Reveal for a security camera purchased by my husband, XXXX XXXX XXXX XXXX. The service did mot work. After contacting XXXX technical support who was unable to resolve the issue, I advised them that I wanted to cancel the same day for unsatisfactory and non performance of service. The XXXX XXXX sounded evasive so in addition to notifying XXXX, I also attempted to dispute the transaction for {$120.00} that was pending on my Goldman Sacs Apple Credit Card. This too occurred on XX/XX/XXXX. The Goldman Sac 's employee identified himself as XXXX and advised that since the transaction only showed pending, he would have to wait to see if an actual charge was billed. My card was charged and a provisional credit was issued on XX/XX/2023. On XX/XX/2023 the charge was put back on my card. I called Goldman XXXX that same day and disputed the charge again. A temporary credit was again issued only to be placed back on my card today. The camera was stolen and I have provided proof to Goldman Sacs that XXXX provided no services to me other than to scam senior citizens. Too, I believe that employees of Goldman may be involved in this scam because on their so called investigative report for this incidence, it clearly indicates that the subscription was activated and deactivated the same day. Our home alarm had been breached twice while we were away for XXXX treatment. We were attempting to get XXXX outdoor camera to identify the responsible party ( XXXX ) but the service did not work. XXXX promoted and advertised the service with the XXXX camera purchased from XXXX XXXX XXXX. Goldman Sacs placed this disputed charge back on my card today, XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  a tax lien was filed against me in  XXXX   County Superior Court. Th is tax lien was released in  XXXX  and should have been removed from my file 7 years from the date of filing ( which would have been  XXXX   XXXX ,  XXXX  ). Both Transunion and  XXXX  are refusing to remove this from my credit report.
Product: Credit reporting or other personal consumer reports

Experian, Transunion and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where all 3 credit bureaus has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, Transunion and Equifax inaction violates federal law and my rights as a consumer.