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

I saw an unknown credit card on my credit report from XXXX XXXX XXXX, which I did not apply for. I reached out to Transunion and filed a dispute on XX/XX/. They completed their investigation on XX/XX/XXXX  and said the account is verified as accurate. I reached back out to Transunion again explained that this credit card is not mine but I was told to file a second dispute. I tried to call the credit card company to cancel the card, and they asked me to provide the la

st 4 digits of the credit card which I do not have. The consumer credit report that I received from Transunion doesn't show the last four digits on the account. I also tried to log into the credit card 's website to cancel it that way, but their website kept rejecting my phone number as incorrect, although it is a number I have had for over a decade. Please help! Thank you! INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account review inquiries unauthorized by me.
Product: Debt collection

I am filing a complaint against LVNV Funding, LLC because they have not corrected this account that appears on my [ XXXX, XXXX, XXXX ] consumer report. I provided LVNV Funding, LLC proof that I am a victim of fraud and identity theft. They have failed to remove this account from my credit report. This is a violation of the FDCPA and FCRA. I provided them with a completed Fraud and Identity Theft Affidavit and proof of residency of the time of this alleged account was opened. As mentioned in my affidavit, my information was stolen from the many recent data breaches and someone is using my name with different addresses to open accounts fraudulently. I have never lived in Texas or the address LVNV Funding, LLC has on file. I ask the CFPB to investigate this company. They are asking me to file a police report, however, I dont know who hacked me and stole my identity. I provided the same information to other creditors, and they removed the fraudulent information from my credit report. I ask that LVNV Funding, LLC remove this account from my credit report and comply with the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX  Account Number : XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$10000.00} XXXX XXXX XXXX Account Number : XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$860.00}
Product: Checking or savings account

Hello, I've been trying to open an account for about one week. Although I've been on the phone with numerous representatives, none have been able to overcome whatever the issue is. The bank shouldn't be able to advertise rates if they can't honor them by not allowing the opening of an account. The message I've been receiving when I enter my information is, " Sorry, your information doesn't match our records. You may have entered something incorrectly. Please try again. If you continue having log-in issues, call us at XXXX. '' Even though the representative verifies this very same information, their system is reading the information as being incorrect. I believe this is occurring because it's reading my mom 's account information where I am the beneficiary. This beings up system integrity and privacy issues and ought to be looked into.
Product: Mortgage

I was married and changed my name in XX/XX/year>. I contacted mortgage company to change my name. Was told to mail important documents such as a copy of marriage certificate. Social security card. Copy of my ID. I called a month later and was told that Truist has lost the paperwork and can not update my name and to resend the paperwork where I was assured they would receive it this time. I again mailed copies of all of my important documents to again be told they have no copies of my paperwork. After many phone calls back and forth and being told oh well. I finally went into the bank personally with my information because I did not trust mailing them again. Truist bank made copies of all my paperwork, social security card and ID. I called a couple months later for an update and was again told Truist has no copies of my paperwork
Product: Credit reporting or other personal consumer reports

The companies Iam reporting= companies name XXXX XXXX XXXX XXXX XXXX XXXX and other company under the same company they all are one company with different names. I called XXXX XXXX XXXX and was told that these things on my credit report should be being reported under XXXX XXXX not me but due to me having the same address some how it was incorrectly reported on my credit report. The collection agent from this company told me the credit agency such as experian had to be the one to report that it is being falsely reported under me because some how she meaning XXXX XXXX is a alias on my report. Ive asked that anything associated with XXXX  XXXX be removed from my credit report she is my mother an we did have the same address as I lived with her but she should not be on my credit report as a alias they have confirmed that she is the one responsible for these transactions that are being reported on my credit report. I contacted a representative and relaid what the companies told me an what they said I had to do to have these things removed and the person from experian told me to make a payment to them to further investigate and fix the problem.. all it takes is a phone call to the collection company to fix and they acknowledge that these transactions are suppose to be reported under XXXX XXXX not me and Ive spoken to a representative at experian and I can not get anyone to fix the problem causing me to have major problems
Product: Debt collection

I have been harassed by this company and their subsidiaries for a disputed debt, which I have provided written communication to asking for proof of their right to collect, where the debt came from and when. I have asked and written numerous times to stop calling me threatening jail time, calling my workplace after being asked numerous times to stop ( I didn't even work at during the alleged time the debt occurred ), and now marking my credit report without any phone calls, emails, mail... nothing stating who they are or what debt they're trying to collect. More than one of their fake " process servers '' told me I can't find out until I pay it. They have used every illegal debt collection practice possible in order to bully and harass me, up to and including telling my co-worker I have a warrant and people are coming to my work to pick me up. They are also pretending to be " Vance and Huffman '' an attorney ( they are not ) in order to pressure me and now I found out this company is the same one as XXXX XXXX XXXX. And today, yet another call to my workplace.
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the XXXX XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Account with XXXX XXXX XXXX listed on my credit report. 
TransUnion maintains this account was verified as accurate but that conclusion is fraudulent as I have never done business with XXXX XXXX. While the burden of proof lies with XXXX XXXX & TransUnion, I have issued an Affadavit of Fact & an Identity Theft Report ( attached ) for which neither XXXX XXXX XXXX nor TransUnion has provided rebuttal. If TransUnion maintains that my Affadavit of Fact & Identity Theft report are fraudulent I have attached an Affadavit of Fact in rebuttal for TransUnion to validate their fraudulent claim of verification & also invalidate my Affadavit of Fact & Identity Theft Report.
Product: Credit card or prepaid card

I gave XXXX XXXX XXXX access to my Capital One credit card to transfer funds to me. XXXX XXXX made an electronic telephone payment on XX/XX/2019 and then reversed the payment that took my account over the credit limit of {$15000.00}. I called Capital One and they said the account is closed and restricted so they will not discuss my account or provide any information. XXXX XXXX   XXXX took similar actions with my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make a inquiry and view my credit report. This is a violation of the Fair Cru Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as pc the Fair Credit Reporting Act section 6l1.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate remark on my credit report under my rights provided by the **Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . 1681 ] ** and California consumer protection laws, including the **California Consumer Credit Reporting Agencies Act ( CCRAA ) [ California Civil Code 1785.1 et seq. ] **. 

Upon reviewing my credit report, I noticed the following inaccurate remark : XXXX XXXX Account Number : XXXX Remark in Dispute : Repossession ; redeemed Repossession ; redeemed Basis for Dispute : Under **California Civil Code 1785.16**, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. The remark in question is either incorrect, outdated, misleading, or not substantiated by proper verification. Furthermore, the **FCRA ( 15 U.S.C. 1681i ) ** requires that the credit bureau conduct a reasonable investigation and remove any information that can not be verified within **30 days** of receiving this dispute. 

I hereby request that you : 1. Conduct a full investigation into this disputed remark.

2. Provide documentation proving the remark 's accuracy and legitimacy.

3. Remove the remark from my credit report if it can not be verified. 

Enclosed are copies of relevant documents supporting my claim, including my credit report highlighting the incorrect remark and any correspondence with the creditor ( if applicable ). 

Please update my credit file accordingly and provide written confirmation of the results of your investigation. If you fail to remove the inaccurate remark, please provide a detailed explanation of your findings, along with the name and contact information of the party who verified the remark. 

If this matter is not resolved within **30 days**, I will have no choice but to escalate the issue by filing a complaint with the **California Department of Financial Protection and Innovation ( DFPI ) **, the **Consumer Financial Protection Bureau ( CFPB ) **, and potentially pursue legal action for non-compliance with federal and state credit reporting laws.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Innovis continues to report incorrect information on my consumer report. I have submitted my identifying information on several occasions to get this information updated and Innovis has yet to follow the guidelines provided by federal law governing the consumer agencies that furnish consumer reports. My name is XXXX XXXX there should be no other name or names listed if there are they are incorrect. My address is XXXX XXXX, XXXXXXXX XXXX XXXXXXXX there should be no other addresses listed in my report.
Product: Credit reporting or other personal consumer reports

I HAVE IDENTIFIED ACCOUNTS AND INQUIRIES ON MY CONSUMER REPORT AS A RESULT OF IDENTITY THEFT. ATTACHED YOU WILL FIND THE FTC REPORT, MY CONSUMER STATEMENT, AND MY IDENTIFICATION PROVING MY IDENTITY. ITEMS ARE NOT RELATED TO TRANSACTIONS MADE BY ME. I HAVE TRIED TO CONTACT THE COMPANIES DIRECTLY TO NO AVAIL.
Product: Payday loan

It appears that Midland Funding ( original lender ) has either sold the debt I incurred with them or has a collecting agency working for them. The debt is at least XXXX years old. I am currently in Chapter XXXX bankruptcy. XXXX XXXX ( asserting to have a corporate office in XXXX ) calls and their number comes up on my caller ID here at work as a local number ( XXXX ) XXXX yet there return call is ( XXXX ) XXXX, ext. XXXX, XXXX XXXX and the voice mails are they are going to serve me either at work or at home, once I answered the call and they wanted to speak to my supervisor. On another occasion, my attorney and I both called them to inform them of the pending bankruptcy and which they replied that pay day loans are not eligible to be listed in bankruptcies ... I 've faxed them a copy of my bankruptcy petition yet they continue to call and leave threatening voice mails. We 've asked them to provide us a mailing address and they have refused. Please contact them to verify the debt and advise them of the pending bankruptcy and they are violating the automatic stay afforded to me by the United States Bankruptcy Code. You can verify my case on the XXXX XXXX XXXX XXXX, XXXX Division, website, Case No. XXXX.
Product: Mortgage

We refinanced our mortgage with new day financial in the fall of XXXX. During the loan process we established that our escrow and are taxes would be prepaid so they could pay for our taxes. This is been going on since XXXX of XXXX I call them several times, every few weeks and get transferred to the escalations team. When I talk to them I get empty promises and lip service about when this issue will be resolved Our taxes are due at the end of XX/XX/XXXX as of today XX/XX/XXXX they have not been paid. I do not want to lose my house over their ineptitude and will be forced to pay out of pocket which means I will being twice for these taxes please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for XXXX to verify the accounts but I still found some inconsistencies with these accounts with XXXXXXXX XXXX  # XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX  Account # : XXXX There is still inconsistencies even after they verified the account. 
According to the Fair Credit Reporting Act 15 U.S. Code 1681 Section 604 A Section 2 It states that a consumer reporting agency can not furnish an account without my permission.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Name : XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Employers : XXXX XXXX : XXXX  XXXX XXXX XXXX Employers : XXXX  XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Employers : XXXX  XXXX XXXX XXXXXXXX XXXX Employers : XXXX  XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Late Payment XXXX XXXX XXXX Collection/Charge Off XXXXXXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hard Inquires not authorized XXXX XXXX XXXX XXXX/XXXX/2024 TransUnion XXXX XXXX  XX/XX/year>2024 TransUnion XXXX XXXX XXXX  XX/XX/year>2024 TransUnion XXXX XX/XX/year>2024 TransUnion
Product: Credit reporting or other personal consumer reports

On my Equifax credit report I reported an account that is being reported as mine which is not mine. 
Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
This account below is not mine and should not be on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status Unpaid  On my XXXX Credit Report the account below is being reported on my credit file. I have never had an account with any of the companies listed. 
I also reached out to the companies for validation of debt asserting FCRA rights under Section 609 and they have refused to provide me with this information. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. I have been researching and looking up my rights as a victim of identity theft and also as a consumer I am entitled to protection under FCRA law 15 use 1681 I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 the creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account status Open Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that the Credit Bureaus XXXX and TransUnion continue to list the bankruptcy that was Voluntarily discharged on XXXX XXXX, 2017 as confirmed in my credit profile. It is their policy to keep reporting bankruptcies that are adjudicated for ten years, but the Fair Credit Reporting Act, Section 1681c, mentions nothing about dismissals or fillings. The Law clearly states from the " date of adjudication '' or " date of order for relief. '' Any case, whether civil or otherwise, the bankruptcy no longer exists in the eyes of the law once dismissed, and never adjudicated. This is nonexistent information that should not be kept as public information. I am requesting that the Bankruptcy information is deleted from my Credit Reports and I request that a updated copy of my reports to be sent to me when the action is complete. I would appreciate a response on this matter within 14 calendar days.
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. 
US DEPT ED # XXXX has violated my rights. 
and US DEPT ED # XXXX has violated my rights. 
Reported Twice! 

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.