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

Requested for Equifax to investigate into this account that I had no knowledge of. Multiple account errors and personal information also listed on my credit report. 

Sent certified mail. 

Equifax didnt investigate thoroughly and verified as accurate. I contacted FTC. 

This item isnt verified as accurate and I know for a fact I do not have validation for this item. This item must be promptly deleted per Section 611. Furthermore, the account is incomplete account information and by law, this shouldn't be on my credit report. I will be pursuing litigation for inaccurate information thats not been verified and personal address and incorrect information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Outsource Receivables- XXXX is reporting on my credit file for an account that is not mine. Living Scriptures? What is that and it is from 2016! I have been disputing this with no response and this is not mine! Under the law they are supposed to provide proof and I have yet to hear anything back! 
I have called my attorney and that will be the next correspondence.
Product: Debt collection

I received a letter from Credit Control , LLC which claims their client XXXX XXXX XXXX has " purchased '' an account from XXXX XXXX  XXXX XXXX. for {$14000.00} which is far more than I ever had a credit limit for when I was a customer of XXXX XXXX. I filed a complaint against XXXX XXXX  a very long time ago for fraud, which they paid off as part of a class action lawsuit with multiple Colorado plaintiffs but I never owed XXXX XXXX   anywhere near {$14000.00}. Credit Control is claiming that I can discharge this debt for a one time payment of {$5900.00} which confirms the debt is false and spurious. Credit Control has provided NO evidence that their client purchased the alleged debt, they have not provided any contact information other than a phone number and a Post Office box, and the letter was dated " XX/XX/2020 '' but was not received until XX/XX/2020. Credit Control has not identified any specific person at XXXX XXXX  or any contact information for XXXX XXXX  to dispute this alleged debt. In short, this meets the criteria of " phantom debt '' where unscrupulous and criminal perpetrators attempt to shake down the public to avoid shame. I am requesting the name of principals involved at Credit Control and XXXX XXXX that can be named in subpoenas for deposition and litigation.
Product: Debt collection

Original Creditor sold " Charged off '' debt to another collection company and has " re-aged '' the debt with false info of when I started the account which is wrong. Original Debt to be cleared with Bankruptcy discharge
Product: Mortgage

I have recently obtained a loan using the title of a property I owe ( paid cash ) to purchase another property. Late on XXXX I received a statement regarding delinquent taxes. I contacted Zinc Financial and also the title company, XXXX XXXX XXXX  regarding this issue, and either one, is taking ownership to resolve this issue. Is the mean time, the delinquent has increased to {$480.00}.
Product: Debt collection

I am sending this asking for your help to file a formal complaint against [ Creditor Name ] regarding an account I have with them, [ Account Number/Reference Number ]. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove Here are the details of my complaint : Creditor Name : PRO COLLECT Account Number/Reference Number : XXXX Date the Account Was Opened : XX/XX/year> I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with [ XXXX XXXX ], XXXX.
Product: Debt collection

I discovered fraudulent accounts on my credit report that are damaging my credit.
Product: Debt collection

I called the company commonwhealth they report it a collection on my credit report and when i called to know who was it and what for was the debt they did not find any information on me and could not find anything all so i ask them why are you reporting false information if you dont know who em i so i ask to remove that collection and they said no until they find out what happend
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXX  through TFD bank in XXXX. I paid off my balance with no late payments or balance carryovers from XXXX. 
-In XXXX XXXX had a huge data breach, and I also had my wallet stolen, and many of my credit cards had fraudulent charges as a result of that theft. 
-I reported the fraud to XXXX, who sent me a new card, and asked for additional information about what charges were not mine- I filled out this paperwork and sent it back to them, in XXXX. I did not continue to make monthly payments once I noticed the fraudulent charges, as accounts should be frozen until dispute is resolved. XXXX  did not freeze my account or remove disputed charges- they continued to charge me late fees, docked my account as not paying, and after six months, with no resolution from their fraud department except them confirming I had filed the fraud report and their sending me a new card, they had more than doubled the owed amount, of close to {$900.00}, to {$2400.00} of late fees, interest, and other charges, all incurred during the open fraud dispute. 
- In XXXX, XXXX submitted my account, exactly six months from the first 'missed payment, ' to a collection agency and to all major credit bureaus, starting an negative and costly process that has greatly affected my living, transportation, and life choices as a direct result. 
-In XXXX, XXXX filed a civil suit against me for the {$2400.00} debt they claimed I owed. After almost two years of court, XXXX failed to produce the original contract, acknowledge that I had filed fraud, and would not respond to questions about contract violations when fraud was first filed. The court ruling was to dismiss the case, as XXXX did not have the right to collect the debt from me, meaning that I was NOT responsible for the debt- it was fraud. 
-The case was dismissed XXXX XXXX, XXXX, and as a result the charges should have been removed from my credit history, the delinquent account status should be removed, and an account showing good standing with no charge offs should have been retroactively updated. This did not happen. 
XXXX XXXX of XXXX XXXX showed a charge off of {$2400.00}, saying I was delinquent, that I owed this debt, and placing the date of this as the same time they opened the lawsuit, two years prior. This appears on my credit report and still causes me great issues and financial hardship and will show as a negative until XXXX. 
-I filed disputes with all major credit agencies, but XXXX  responded with updated information, in XXXX of XXXX, stating that I was responsible for the charge off, that it was a delinquent account, which is a direct violation of the civil case they had already caused me to endure, and the case they lost. They have maliciously gone against all of my letters and request, violated a court order, and continue to affect my life and finances, ability to get a home, a car load, etc. time from work to go to court, and other stressors and negative impacts.
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX  : has violated my rights. XXXX XXXX Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX, 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: Checking or savings account

Bank of America charged me Debit/HoldXX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to have 'Healthcare Collections ' accounts removed from my Equifax report. These have been removed from both of the other agencies. I asked for documentation to be sent to me where I signed originally for this collection and they have not honored that request. Additionally all the credit bureaus continue to report my XXXX bankruptcy. My score never goes above XXXX points and I feel the system is targeting me unfairly. There is no clear path to increase a score, no bureau offers any help with this or program to do this yet it impacts every aspect of my life!!!! This score has held me back from owning a home. Caused me to get denied for housing in apartments. Caused me denial from jobs. This score impacts my ability to feed my family. These bureaus have to much control over my life and give me no help in increasing this number in any way at all to better my situation. I am thinking of suing the companies for this reason as this has caused much XXXX  anguish for me over the years and is bearing heavy on me XXXX  daily. Something needs to be done to help us get these scores raised!!!!!
Product: Debt collection

I receive telephone calls 3 or 4 times daily. When I pick up the phone, there is no voice only clicking. I do n't know for sure who the caller is. I do not have outstanding debts never has.
Product: Checking or savings account

On XX/XX/XXXX I made a withdrawal from a Bank of America ATM. Two men appeared, one behind me the other to the side. The one behind me dropped some money on the ground. In my attempt to help him the other guy took my ATM card either out of the machine or quickly out of my hand. It was so fast and confusing I lost track. I didn't know know until the following day that they had my card. After I left the ATM the withdrew {$360.00} dollars from the ATM. They then went into the bank and made two withdrawls, one for {$3500.00} and the other for {$4400.00}. The bank teller never asked them for ID. The bank manager said as long as they used my debit card ID number they don't ask for ID. The next day the bank notified me of a low fund balance. I went in and deleted the Debit card and got a new one. I went to another B of A and made a cash deposit of {$2000.00} and believe it or not they asked me for ID to make a deposit. I filed a complaint with the Bank and they said they would mail me a copy of the complaint but they never did.
Product: Credit card or prepaid card

Syncrony Bank  who is the bank for many department store credit cards such as Old Navy, JcPenny, and Rooms to Go have consistently lowered credit lines based on what they refer to as periodic credit reviews even when the customer has paid on time as agreed. The problem with this is by them lowering the credit availability while the is still a balance it increases the customers net fraction burden which lowers the customers score even more. The is causing harm to the consumers as it has a direct impact to the customers credit score. The bank also sites high balances relative to credit availability as a reason to lower the original approved line amount. Their actions are a cause of the very reason they are using to justify their actions of reducing customers credit availability.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FlXXXX bod XX/XX/1941 ss # XXXX Bankruptcy is too old it has been discharged and Needs to be removed Remove bankruptcy ASAP
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Subject : CFPB Complaint for Identity Theft and Fraud This complaint is filed with the Consumer Financial Protection Bureau XXXX CFPB ) to request that TransUnion XXXX XXXX, and XXXX XXXX certain information from my consumer credit report, as mandated by FCRA 605B ( 15 U.S.C . 1681c-2 ). This information is the result of identity theft and fraud and must be addressed within 4 business days of receipt of this complaint. 

The fraudulent information includes : A personal credit card account opened with XXXX XXXX XXXX in XX/XX/XXXX ( Account Number : XXXX ) with a balance of {$2500.00}. 
A credit card account opened with XXXX XXXX on XX/XX/XXXX ( Account Number : XXXX ) with a balance of {$6700.00}. 
These accounts have led to multiple fraudulent hard inquiries and late payments, as well as potential collections reported on my consumer XXXX credit report. Additionally, the address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX is also reported fraudulently. 

I have attached a list of the hard inquiries in question and a copy of my consumer XXXX credit report, which clearly shows these fraudulent items. I do not recognize any of these accounts, collections, or hard inquiries, as they were not initiated by me. All items referenced are the result of identity theft and fraud. For further validation, I have included a copy of FTC Identity Theft Criminal Complaint # XXXX from the U.S. Federal Trade Commission. 

Demand for Relief : In light of the above, I respectfully request the following actions : Block Fraudulent Accounts : I request that all accounts, collections, and hard inquiries identified in this complaint be blocked from my consumer credit report within XXXX business days of receipt. 
Confirmation of Actions : Please send all written confirmation regarding the actions taken in response to this complaint to my email : XXXX. 
Thank you for your prompt attention to this serious matter. I look forward to your swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

For nearly a year, I have been trying to use TransUnion 's website to freeze or unfreeze my credit file and submit disputes to them. I have not been able to login and do either of these tasks due to some sort of block on my credit file. I have had to freeze or unfreeze my credit file through a lengthy process over the phone that takes an hour or more each time I call. To initially place the security freeze, I had to send in the request through the mail. This is unacceptable because that process can take up to 30 days. If someone is in the process of stealing my identity, which has happened to me many times, I do not have 30 days to wait to place a security freeze. Due to this inconvenience, I have had to completely remove the security freeze from my file in order to avoid these unnecessary delays when I need to use my credit. 

I have tried calling their customer service for their website, and each time, they have been unable to assist me in removing this block from my online account. I am uncertain if the representatives are unable to ascertain the issue I am having or if they are merely not trained to fix this issue. Unfortunately, they have been unable to assist me, irrespective of the reason. I need to be able to access, maintain, freeze, unfreeze, and dispute with TransUnion just like everyone else. 

I have attached a screen shot of the message I receive every time I try to login to TransUnion 's website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have contacted Equifax now for over an year to delete the following account and it has been refused to be removed. I mailed a dispute for this same account more than 6 times. I have submitted Fraud Affidavits. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. 

Identity Theft Account XXXX XXXX XXXX ( {$15000.00} ) XXXX XXXX XXXX XXXX. XXXX XXXX, WI XXXX Date : XX/XX/2015 This is not mine. I am a victim of ID Theft and I have included a Affidavit, and police report. Please investigate and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a certified letter to Experian requesting that they send me the official documents that were used to verify the adverse information reporting on my current consumer report. FCRA 611 ( 15 U.S.C. 1681I ) 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
I stated that the information was in violation of my consumer rights based off various FCRA laws that they were violating. The company has ignored my letter and now I am requesting the CFPB demand the consumer reporting agency to provide me with the certified documents used to validate the information that is currently reporting on my consumer report. Pay attention to the accounts and information highlighted and the laws that are being ignored. I want to know what the CFPB can do to regulate and enforce the laws that are in place to protect consumer rights. The past year I have been notifying the consumer reporting agency about this matter and I have been ignored. I am not asking for verification nor validation but enforcement of the laws that are in place to protect my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have discover credit card since XXXX i never have late fees or payment till date. On th last year XX/XX/XXXX Discover card company said you have late fees and and your auto deduct not enabled so its impacts late fee or missing. when i enabled the auto debit on again same issue reoccurred on XXXX XX/XX/XXXX and now my account outstanding XXXX as usual so they are not reversing the missed one which is impacting my credit history.
Product: Credit reporting or other personal consumer reports

Transworld Systems Inc is reporting a collection on my file that needs to be removed. They are reporting a debt for an apartment complex that I used to live at with some roommates. I moved out and turned in my keys and notified my apartment because my roommate was also supposed to be moving out later that month. However, I am unsure as to his move out date etc. I was not notified about any outstanding debt I had with them and later we noticed this. They said that this was because we never turned in keys and they thought the apartment was still occupied but it was not. I advised I spoke to the leasing agent and turned my keys in. However, they have now switched management and can't tell me exactly what happened. I am working with them but this is not my debt and it needs to be removed while under investigation under the FDCPA. Please remove.
Product: Debt collection

This is a follow up complaint against XXXX XXXX XXXX, to complaints XXXX and XXXX. 

AN ORDER OF DEFAULT HAS BEEN ENTERED AGAINST XXXX XXXX/ XXXX. YOU MUST NOW REMOVE THIS COLLECTION ACCOUNT FROM MY CREDIT BUREAU REPORTING AND PAY ME THE DAMAGES SPECIFIED IN THE LAWSUIT, IMMEDIATELY.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> - initiated complaint on vendor. 
Their response was to let vendor handle it. I have communicated back and forth and they arent assisting with starting conversation with the vendor as I see it. 

XXXX of XX/XX/XXXX- Coming on two months I asked them to review, they had failed to review my timelines and other documents. This only happened yesterday, XXXX. The vendor that performed this work is not trustworthy XXXX  XXXX. I now have XXXX ( XXXX XXXX XXXX XXXX  and another XXXX involved ). GreenSky is lagging and is in direct violation of their customer bill of rights. I have directly explained how they are not in compliance and they still insist I work with this bad vendor that is systematically breaking parts in my HVAC  system. Im paying my note on time. I have sent them emails, PDFs, a video of the issue etc. They have yet to tell me how the vendor is responding. Meanwhile, I supplied the same documents to XXXX XXXX  and they did in fact send me a credit while this is under dispute. A fact I shared with GreenSky.