23daVinci/CFPB_Complaints huggingface dataset:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 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 the information is inaccurate. 

XXXX XXXX  - account # XXXX XXXX  XXXX XXXX XXXX - account # XXXX XXXX  - account # XXXX Has violated my rights.
Product: Credit reporting or other personal consumer reports

Hello, I did not authorize or even recognize this inquiry on my Equifax account. I do not have and account with the company so please remove this inquiry from my account. Date : XX/XX/year> Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not owe this debt. I was not notified of this debt. The creditor had my address when I moved ( I am 1000 % sure I gave it to them ), yet the debtor quoted my old address when I called. I did not receive anything in the mail, so I had no time to dispute. I saw this on my credit report. I want this deleted from ALL 3 Credit reports.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed dispute letters to both XXXX and TransUnion regarding XXXX XXXX XXXX XXXX. They neither sent me written notification of the debt nor fully validated the debt after I engaged XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

NetSpend and XXXX XXXX are giving millions of their customers, including myself, the run around. I usually receive my payment around XXXX XXXX  Tuesday mornings, but no deposit was received this pay period { XX/XX/18 } .. { No prior notice was given, it took me to do a XXXX search to find this info } and because of that has placed myself { and millions of other account holders } in a tough spot due to bills needing to be paid etc.., but no one can give any info, and from what Im viewing online, the reps are giving out conflicting info, one rep even hung the phone up on me.
Product: Debt collection

XXXX/XXXX XXXX is fraudulently reporting on my credit reports in the amount of {$3600.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Product: Credit reporting

On XX/XX/2016 I started my dispute with Equifax regarding Tax Liens and a bankruptcy on my credit report. I asked them in my initial request to validate and verify the debt providing me with copies of any documentation bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. As you will see in the documentation, Equifax deleted XXXX records except for the bankruptcy and 1 tax lien. However, they did not provide any documentation verifying my signature. They stated verified but provided no evidence of how it was verified. I also discovered that 1 record they stated deleted, was back on my credit report as of XX/XX/2016. I then sent another letter on XX/XX/2016 to Equifax to validate this information and provide me with copies of documentation associated with these accounts. According to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. On my Equifax report the bankruptcy remains along with one tax lien and they placed back a tax lien that was removed ( referred to earlier ). I 've attached my letters to Equifax, their correspondence, certified letter receipts, and the latest copy of my credit report from all 3 bureaus. I want the bankruptcy and tax liens removed if that can not be validated as according to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ). If they are not removed, I will have no choice but file a small claims lawsuit against each agency seeking damages for defamation, negligent enablement of Identity Fraud, and violation of the Fair Credit Reporting Act. Any help CFPB can provide will be truly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on several occasions Over the past three months due to reporting issues. First there were errors that were requested to be fixed for several months then Suddenly my information did not report at all except for one cancelled account from years ago. It has impacted my ability to buy a home at prime rate, and led to multiple unnecessary and score impacting inquiries. When I called I was asked to submit copies of my Social Security card and an ID and they stated that within 4 to 6 weeks that would get my file corrected. That has not happened and this was BEFORE the data breech which Im now informed Ive been impacted by as well.
Product: Debt collection

On XX/XX/year> I called National Recovery Agency, to have them remove the medical collection debt from my credit report. I owe XXXX. I explained to the associate I am trying to buy a new vehicle and I need this removed. She proceeded to tell me I dont have a payment agreement, and that I only have a promise to pay and that I have to call every month to pay the XXXX  XXXX. I told her that was the wrong information, as they have my bank account in and they take XXXX  XXXX from it automatically. She then said they were not removing the debt, I told her by law they have to because its under {$500.00}. She proceeded to get very nasty. As you can see on the attached paperwork I do have a payment agreement with them, not a promise to pay. She also said they did not have my address which they do. Her name was XXXX. She didnt want to give me her last name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Assistance Regarding Disputed Information on My Credit Report Dear Sir/Madam, I am writing to formally request the intervention of the Consumer Financial Protection Bureau XXXX CFPB ) regarding inaccurate and outdated information on my Experian credit report. Despite my multiple attempts to resolve this matter directly with Experian, the disputed information remains unresolved. 

The specific inaccurate addresses in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have repeatedly asked Experian to investigate and remove these addresses as they are not associated with my credit history. These addresses are a misrepresentation and are incorrectly listed under my personal information. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report, and I have made these requests in good faith. However, Experian has not resolved the matter to my satisfaction, and I now seek your assistance in ensuring that these inaccuracies are corrected promptly. 

I request that the CFPB assist in ensuring that Experian complies with its obligations under the FCRA to correct or remove the aforementioned addresses from my credit report. 

Please let me know if you require any further documentation or clarification in order to proceed with this dispute. I greatly appreciate your attention to this matter and look forward to a timely resolution. 

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

Hello my Name Is XXXX XXXX XXXX  and I have a problem that I believe you can help me with These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy This is Correct information below please update First in last name only : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX IL XXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file. 
These Are the Incorrect addresses below please remove XXXX XXXX XXXX XXXX XXXX Illinois XXXX - XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Checking or savings account

On XX/XX/XXXX my debit card was stolen along with some personal items. As soon as I discovered my card was missing, I immediately contacted my bank. This was XXXX if memory serves me correct. I also filed a police report with my local police precinct. I did forward the police report to my bank when I was told they were not going to credit my account the funds in question. Now my bank is telling me the police report is not enough proof for them. I have gone back and forth about this with my bank but they will not credit my account. These are the transactions in question.. 
1. XXXX XXXX in the amount of {$110.00}. I do not know anyone in XXXX and have told the bank this. This transaction posted on XX/XX/XXXX. 
2. XXXX XXXX in the amount of {$40.00}. This particular XXXX XXXX is about a mile from my house so the bank said since I live so close to this store, it was me. It was not me! 
3. XXXX XXXX XXXX XXXX in the amount of {$42.00}. This XXXX XXXX is on the other side of town from me. The two XXXX  posted on the XXXX. 
The transactions stayed in pending for a few days and the bank told me since I did report the card stolen so quickly, the transactions may not go through but unfortunately they did clear. I have done everything I know to do to prove I didnt make these purchases/transactions. I know this is not a lot of money to some people but it is to me. I have ALL the conversations and letters of dispute if you need them. I really hope you can help me with this. I recently went back to work from being quarantined for a week and I am struggling financially right now. Please help me. I tried attaching my documents but I had to get a new phone and not sure how to do this. But I do have it I can send. Im afraid if I try and download anything Im going to lose the information I have provided. My bank also has all documents.
Product: Credit reporting or other personal consumer reports

Capital One is reporting late payments in XXXX 2024. I have sent copies from my account generated by them as proof payments were made. The minimum payment is {$250.00} I paid {$400.00} on XX/XX/year> and {$440.00} XX/XX/year>. Attached is my statement for XXXX and also XXXX. No payments were returned and I paid above the minimum payments, which is listed on the statement.
Product: Credit card

The Following companies, Equifax, XXXX, XXXX, XXXX, XXXX, are in possession of my stolen credit card ( 15 usc 1602 ) personal social security account information, absent my knowledge, consent and/or agreement ( 15 usc 1692c ). I have forwarded an opt out demand, verification disclosure, cease and desist communications letter to the aforementioned, identifying the identity theft accounts. Equifax, XXXX XXXX XXXXas failed and/or refused to implement a block, within four days ( 4 ) per 15 usc 1681c-2 to avoid further damage from use of identity theft accounts
Product: Debt collection

Background : I am an XXXX XXXX XXXX XXXX, I was a former XXXX Customer from XXXX to XXXX when I received XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Due to the length of the assignment ( 36 months ), I contacted XXXX  in XX/XX/XXXX and provided them with a copy of my XXXX XXXX assigning me overseas and asked for them to close my account without penalty according to the law which they agreed to do so. Fast forward to summer XXXX after finally returning from my overseas assignment ( XX/XX/XXXX ),  while reviewing my credit report with XXXX, I found out that sprint had referred my account to a collection agency for a debt of {$720.00} said to have been occurred in XXXX. The collection Agency then referred my account to the credit bureau for collection. I immediately lunch a dispute with XXXX  File # XXXX and provided all available documentation. I won the dispute and had the collection removed from my credit report. Issue : Today XX/XX/XXXX, while checking my annual free credit reports with XXXX, I saw another collection this time from a different collection agency DIVERSIFIED CONSULTANT but it is the same XXXX account XXXX ( $ {$720.00} ) posted last month. I recall a representative from this company harassing me over the phone trying to have me pay this debt after giving them a background to the situation they threatened to report me to the credit bureau and sure enough, they did. I have initiated a similar Dispute with XXXX  ( pending adjudication ).
Product: Credit card or prepaid card

my Social Security payment money was fraudulently stolen from my card Direct Express card. Direct Express will not resolve the fraudulent theft after many attempts by me and I have heard nothing from them for a month since reporting the theft.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX - Incorrect Address These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card or prepaid card

Letter to Menards Just wanted to let you know that Capital One has canceled my Contractors card and are still holding my monies in excess of $ XXXX neglected to contact me that they was closing my account which ends in XXXX. I do plan on filing a complaint with the FTC. We have been a family Partnership in Indiana since XX/XX/1982. I have been a customer since the store opened in XXXX, Indiana. Capital One is unprofessional when it comes to refunding money or notifying the closure of an account. A copy of this is going to the FTC.
Product: Credit card

In XX/XX/2023 I sent XXXX XXXX a negotiable instrument paying debt off using stamp Duty Act. I was then sent about a week or two later a letter saying that I violated there policy so for this reason my card was being closed. Not because of non payment but because I am a Secured party that knows that they are double dipping into my XXXX XXXX XXXX XXXX  XXXX. They have violated my rights and now its being reported to my credit each month along with fees. I gave them a chance to rectify this ordeal but they have not. Ive been a cardholder almost 20 years and its saddening to know that because I know what is going on behind the scene Im being discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a notice from XXXX XXXX  about denying my business a credit product from XXXX XXXX XXXX due to TRANSUNION-NATIONAL reporting inaccurate important on my consumer credit profile. This makes the about the seventh complaint I have filed against TRANSUNION for violating my right to privacy pursuant to 15 USC 1681 ( a ) ( 2 ) which specifically states that a credit reporting agency may not furnish ANY information on my consumer report I accordance with the written instructions of the consumer to whom it relates and I never gave TRANSUNION to report anything to XXXX XXXX  and also they have violated my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) in which specified there is a need to insure that consumer reporting agencies exercise there grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TRANSUNION has continuously defame my character willfully and knowingly after I have made them aware of this numerous time and they continually ignores me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX  credit card account that is more than 7 years old from the first late payment shown on my credit report. wrong late first payment date
Product: Checking or savings account

Bank of America 's operating a XXXX XXXX ring. My former manager XXXX XXXX access my personal Bank of America account and removed funds by communicating with XXXX I'm not sure if the funds went to her account but I do know they surely did not go to my I have reported this to Bank of America but they are not taking action XXXX XXXX is a known XXXX XXXX and XXXX in the XXXX XXXX Community she is a danger to herself and to the entire world she is a cruel mean XXXX and she feels that she is superior to Barack Obama and Donald Trump whom she spoke about during a meeting at the bank and said she would joyously XXXX them the XXXX is knowledgeable of this information for one of their attorneys has taken a paycheck so that they will not say anything thank
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a public record that was in my credit file, the account came back as verified I then requested the method of verification which is my right as a consumer according to FCRA 611 ( a ) ( b ) ( 6 ) ( iii ) and was told by representative at credit bureau initially the courts verified this account. I made them aware that I had spoken to someone at the court house and they DO NOT verify or report anything to credit bureaus. The representative then stated they used a third party and When I asked for business name, address, phone number and point of contact as to who verified this information I was told he can not and will not give me this information, and that there are many third party reporters. I then made him aware that by not providing this information to me was in direct violation of my rights as a consumer he stated that I can look it up myself and he has read the law many times. The federal law is very clear that if the agency can not or refuses to provide their method of verification when requested by a consumer that that account must be removed from the credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX