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

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. I have the copies of what I sent to Experian that I was disputing shower this is the second time that Experian has not replied within 30 days for XXXX XXXX, XXXX XXXX that I do not have an XXXX  in my middle name so the account is not mine from XXXX XXXX  and XXXX XXXX XXXX XXXX. All three letters were Dated XX/XX/2022 and All I have sent were DELIVERED LEFT WITH INDIVIDUAL, XX/XX/2022, XXXX XXXX, XXXX, TX, XXXX. Check the attachment for the tracking number. " XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX  XXXX XXXX # : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX '' by me sending Experian letters that were DELIVERED, XX/XX/2022. It's been well over 30 days, and I still have received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian has 30 days to respond to my dispute.

This is a violation of my rights. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent Account # 1234, 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 an 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 or 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.

Write to
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX have continued to furnish and disclose reports in violation of law. the are violating the scope and purpose of the FCRA and undermining banking while violating my right to privacy. The FTC identifies identity theft as using personal or financial information without permission. i have never given permission to these agencies to furnish, collect, or disclose my information. they continue to make money from federal crime. this is against federal and state law and also a violation of public policy. they are violating the universal declaration of human rights and in accordance with the us constitution i expect my XXXX amendment rights to be protected. i authorize the cfpb ftc sec irs to do everything in there power to cease these actions not only for me but for the posterity of the nation. my complaints have been ignored. they are using heasay evidence as information and ignoring those with first hand knowledge. this is a violation of title XXXX and basic principles. continue to bring claims into judiciary illegally and they must be stopped. They have violated the core principles of our society and caused unjust enrichment to those destabilizing the nation. this is treason. the have violated glba, fcra, fdcpa all privacy rights and multitudes of state laws They are creating a monopoly on peoples private information financial information and property this is unacceptable. all avenues will be pursued from here forth. I will not hesitate to use every law and oath of office to see injuction in this matter. They have been sued time and time again yet continue bad faith deceptive practice and illegal disclosure of private information. all inquries without express permission and my signature must be removed. all negative accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX through XXXX I paid {$120.00} per month for credit repair services from Lexington Law that did not happened as promised
Product: Credit reporting or other personal consumer reports

I am submitting to follow up on my previous communication with the Consumer Financial Protection Bureau, dated XX/XX/XXXX, concerning the presence of fraudulent entries inaccurately reflected on my credit reports. Despite initiating dispute proceedings with the credit bureaus, the problem persists, and I continue to identify the following fraudulent items : -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$5700.00} -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5700.00}. Despite having submitted disputes and supporting documentation to the credit bureaus, the inaccuracies persist on my credit reports. Enclosed are the documents serving as evidence of the fraudulent nature of these items.
Product: Credit reporting or other personal consumer reports

iam a victim of identity theft i ve been serving my country and XXXX XXXX XXXX XXXX XXXX for XXXX years and come back home and find a bunch of accounts on my credit report that i have no idea what it is and this is illegal i was never contacted or notified and mailed or emailed and i contacted these banks and asked for contracts and signatures to know who did this to press charges on somebody and no one responded or cared and this is illegal and as of 15 U.S CODE 1692g Validation of debts they should've notified me or mailed me called me but nothing like my life is nothing i have kids in accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate please remove these fraudulent accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and these inquiries XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported to XXXX, XXXX, & XXXX information concerning my bankruptcy by getting the information from PACER, a system of records used by the Federal government to store public records.
Product: Debt collection

The XX/XX/2018 I received by US BANK an " Settlement Program Offer ''. 
If I pay {$280.00} the debt of {$1900.00} that I had with them, it is full paid. I received a discount offer of 85 % ( {$1600.00} ), as the letter says sent by US BANK. 
I pay {$280.00} as said the offer in the settlement. US Bank processed the payment and it was successfully. 
When review my credit report, I see that {$280.00} was taked as a payment to the balance and not as a settlement. 
I spoke with US Bank to solve the problem. They were negative and sent me to disputed the problem in the credit bureaus. 
I did the disputes in " XXXX XXXX XXXX ''. Attach the offer letter and the payment voucher, to support my version. 
US Bank responded to the disputes in a mode negative way, and I ratify my payment as a credit, and not as settlement payment. 

Please, help me. 

attached : Settlement Program Offer Autoritation debit by {$280.00}
Product: Debt collection

A company called XXXX claimed I setup a security system in a home I do not own and only rented a room for a short amount of time. The home owner stole my information and opened a account according to the company. I filed a police report in XXXX and I disputed the account they put on my credit. It was removed. XXXX of XXXX this company sold the account to Zion holdings and they put the account back on my XXXX and XXXX credit report, this is not only a debt Im not responsible for they are claiming I owe the debt as of today which is not true. I disputed this with XXXX and they upheld the information as accurate which is not true. Im not responsible for a account I did not open that was done via fraud and identity theft
Product: Debt collection

XXXX XXXX LVNV FUNDING LLC was sent by certified mail, a validation/ verification letter about account in question # XXXX reference ID # XXXX. 
In response I received ONLY monthly bill statements, which does not validate or verify the debt! LVNV FUNDING LLC is purposely ignoring the requested information sent to them ( SEE ATTACH ), via certified mail. ALL information is my right as a consumer to recover according to FDCPA XXXX XXXX XXXX XXXX XXXX has never been issued as addresses in requested via certified mail, NOR HAS ATTEMPTS TO COLLECT DEBT CEASED, which is another violation of my rights until information requested is received in its entirety all attempts must be inactive. 

On XX/XX/2022, LVNV FUNDING LLC, sent me a letter stating verification of debt ( See attach ), with a monthly billing statements, AGAIN, ignoring the stated request for verification sent via certified letter. ( see attached ) Nothing indicating verification validation or judgment alleging debt is On
Product: Checking or savings account

The transactions that XXXX withdrawn out of my Bank of America account without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} The transactions that XXXX withdrawn out of my XXXX  XXXX account without my knowledge or consent : XXXX {$2500.00} XXXX {$10000.00} XXXX {$200.00}
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$3300.00}
Product: Debt collection

XXXX calling and harassing starting at XXXX. Several weeks back on a recorded call by the company I asked that they stop calling cease and desist. The man was very rude and also a manger.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is inviolation of the FCRA Federal law, they are illegally opening anc closing and account listed on my credit report and updating the balance from XXXX to {$15000.00}. I have filed complaints with the attorneys general office and I plan to file a lawsuit if equifax does not permanently close the account listed as XXXX XXXX XXXX XXXX because it was paid in full on XX/XX/2018. I have provided proof to equifax that this account has been paid in full and they are still illegally reporting this account on my credit reports and illegally opening and closing the account.
Product: Checking or savings account

On XX/XX/XXXX I deposited a treasury warrant from the state of Texas into my Chase Bank account. The bank confirmed that these funds have been verified and paid. They did not release the standard amounts the first day or the second day. I have asked why they are holding the verified funds and they will not give an answer.
Product: Checking or savings account

Hi. Ive attempted to contact Santander Bank to access my funds in person, through phone customer service, and through the automated line. Initially, my phone number was removed from my XXXX account without my knowledge or consent. My phone service was and is still active and information was accurate. However, I was told I had to go in person even though XXXXm traveling for work.i called the branch in XXXX NJ on Friday, and asked to speak to a manager because I was fleeing XXXX XXXX ( which is documented I have proof of this ) and did not have an ID. I was informed even though on Friday XX/XX/XXXX I could access my online info, I know my social security and can verify my direct deposit ( Social Security was deposited ) I was given rude treatment by a young XXXX woman who refused to give her name, and I asked to speak to her XXXX and she almost refused, and demanded to know why. I explained why I was not obligated to explain this. After calmly explaining to the manager I have qualifying information to validate my identity, if I went in person could I get a new debit card and set up my XXXX, he tells me in contradiction to Santanders phone customer service, that without any Id they would refuse to validate my identity or offer me any service whatsoever. Today, Sunday XX/XX/XXXX I attempted to login into my bank today as usual in order to check my balance. After using my auto login, it denied me XXXX separate times even though my information was accurate, my account was locked. So effectively, I am being defrauded out of my direct deposit and being refused service and I would like to file a complaint for malicious conduct and poor business practices in the financial sector. I have made any and all attempts over the course of 3 months to contact XXXX to withdraw and access my funds and they have been the most difficult institution I have ever worked with. I am XXXX and this violates my rights as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I am calling for an investigation.
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. 

Account Name : XXXXXXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this month, I pulled my credit report and discovered multiple inaccurate accounts reporting. I have filed countless reports and disputes with the companies included in this complaint. The credit Bureaus have failed to remove these accounts as well. This is prohibiting me from purchasing a home. I was a victim of identity theft and reported it to all the parties involved. I have yet to see these items removed or blocked.
Product: Credit card or prepaid card

I am a TD card services customer. My card was charged without my authorization four times in XXXX and XXXX of 2020 for {$89.00}, {$89.00}, {$89.00} and {$89.00} for the total of {$350.00}. Two packages were delivered to my mailbox, two bottles in each. 
I previously ordered another item for {$6.00} from that merchant on XXXX/XXXX/20. I never got that item, instead those four tiny bottles for about {$90.00} each were delivered. That is some price that I can not afford, that is why I could not have possibly ordered those products. I mailed all four bottles intact to the merchant on XXXX/XXXX/20, since I never had ordered them in the first place. I disputed those charges. I also provided the postal receipt showing that the items were returned to the merchant. I was so upset, that decided to close the account on XXXX/XXXX/20. 
TD card services were investigating the matter for more than a month and notified me in a letter dated XX/XX/XXXX20 that they do not believe a billing error has occurred. I, on the other hand, know as a fact, that l did not order these four bottles. 
My Case Number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXXInaccurate XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.
Product: Debt collection

Dear XXXX ; I'm not quite sure what's taken so long, but it's been more than 60-90 days that i request your company and credit bureaus to look into this but for some reason, I haven't received any correspondence about this account. It's impossible that this collection was investigated and we're going into 3-5 months and I haven't received anything. It continues to report in violations and it continues to illegally re-aged. It's incomplete, inaccurate, and obsolete. I'm really shocked by the way that you're handling this situation and I would rather not spend or waste anyone 's time, and would rather want this deleted from my credit report. Not even the account status was updated if it was indeed looked at.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I have 8 XXXX/XXXX  backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX XXXX XXXX customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my XXXX Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

Respectfully, XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According 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