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

XXXX, XXXX - Report my student loans all closed, however, they don't say Paid, or Paid as agreed, I want them to reflect the correct status- They still got paid, they should reflect paid, and the age of each credit line should be properly reported, I also request they send an updated report to each of my recent inquiries for this month, with a letter detailing their error. ( copy to me as well ) Nextly as a Member and CEO of a separate entity corporation with its own established credit I wish to make it clear.. any further acts of ANTITRUST violations regarding, discrimination against my company by sharing my personal credit without my express written permission are NOT authorized. my personal credit is proving hard to rebuild after my being a victim of Identity theft in the past. their action has cost me Increased fees and elevated insurance premiums and is also violating XXXX XXXX. I am relaunching my firm after covid and applying for Asset-based corporate credit and financing - No personal guarantee is needed, so they need to stop sharing my personal information without consent. I provide my Id and have a credit call to verify my identity prior to opening any accounts,
Product: Debt collection

i sent a debt validation to united recovery corp in XXXX, they never responded with verifiable proof and documentation that im suppose to pay, its XXXX now and they still reporting on my credit file
Product: Credit reporting or other personal consumer reports

I've received a copy of my XXXX report and saw fraudulent accounts reporting without my permission or consent I demand these accounts to be removed immediately Due to FCRA Law Violation for A Consumer. 

Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to block fraudulent information from their credit reports. This includes information that the consumer believes was the result of identity theft. 15 USC 1681B Permissible Purposes 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, Imprisoned for not more then 2 years. 

XXXXXXXX XXXX XXXX  XXXX XXXX Amount : {$210.00} Closure XXXXXXXX Bank OF America XXXX Amount : {$980.00} XXXX
Product: Credit card or prepaid card

I have a credit card with Capital One Bank, the account is reporting to XXXX and XXXX only. When I called Capital One Bank, I was told it should be reporting to all 3 credit reporting agencies ( XXXX, XXXX, XXXX ). I was told the issue would be fixed and the card should be reporting to XXXX as well. However, Capital One Bank put a " dispute '' mark on the account with XXXX  and XXXX. The account was not disputed when I contacted Capital One Bank. The account is still not reporting to XXXX.
Product: Credit reporting or other personal consumer reports

I did not have XXXX XXXX Bank on my personal account at all. This account does not belong to me. Account number XXXX. Im asking to be removed and deleted off my credit report it is not reporting accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the frivolous fraudulent company so many times. They are reporting to my credit a suspended account with late payments and the account isnt suspended nor has it been late and I have the emails to go with it
Product: Credit reporting or other personal consumer reports

I asked that a thorough investigation be conducted on Experian XXXX XXXX and XXXX regarding my credit profile. It's against the law to report inaccurate and incomplete information on a credit report which makes them in violation of 15 USC 1692g. I've reached out on numerous occasions to all bureaus but I have yet to receive a response, I would like for each account to be properly investigated and validated with original signed documents. 


XXXXXXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$10.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Recent payment {$5.00} as of XX/XX/XXXX Account info Account name XXXX XXXXXXXX XXXX. 
Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$29.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrect credit reporting for 7 months now with XXXX  mortgage, Equifax and XXXX. * please see all attached documents. ** We had a mortgage in XXXX of XXXX to XX/XX/XXXX. Which at no point did XXXX mortgage ever service our loan. XXXX began servicing XXXX 's loans on XX/XX/XXXX. Our mortgage was already closed and paid in full. *see attached letter for the letter from XXXX  XXXX regarding this matter* XXXX  should not even be on our credit report. Equifax and XXXX  are both reporting 120 days late which Ive also disputed and neither have cared to respond or communicate any investigation. 

Ive included copy of the credit report showing the account, the letter from XXXX XXXX  showing they never serviced my loan, the release of mortgage deed release dated in XXXX. 

I want this whole account removed off my credit,
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, PayPal allowed identity thieves to make a transaction with a company named XXXX XXXX for {$760.00}. I discovered the activity because it emptied my bank account. I submitted a claim with PayPal to report the unauthorized charges. The company acknowledged the transaction resulted from fraud, evidenced by case ID : XXXX XXXX 

Despite PayPal 's admission that the charges were fraudulent, they continue to reach into my bank account in an attempt to recover the payment. On XX/XX/XXXX, PayPal attempted to withdraw XXXX from my bank account. The unauthorized charges once again over-drafted my bank account. 

According to the company 's customer service representatives, PayPal will continue withdrawing money from the victim 's account until the fraudulent charges are satisfied. Customer service informed me that PayPal doesn't require authorization from the victim. 

It seems impossible to rectify the situation using the company 's online and over-the-phone customer service. After mentioning fraud, the representatives disconnect the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is third time Equifax keeps putting in the wrong address on my credit report. I never lived in the XXXX. I filed a complaint on XX/XX/21 with the Consumer Financial Protection Board. Equifax removed the address and then put in back on my credit report. This fraudulent address is being sent from Equifax to other reporting agencies. Can not understand what is the problem with Equifax. How many times do I need to tell them that I NEVER LIVED IN THE XXXX/
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Deceptive Practices and FCRA Violations To Whom It May Concern, I am submitting this complaint against TransUnion for their continued deceptive practices, failure to block fraudulent accounts, unlawful reinsertion of previously removed items, and failure to ensure the accuracy of my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Issues with TransUnions Practices : 1. Failure to Block Fraudulent Accounts * Despite submitting an FTC Identity Theft Report, a Police Report, and proof of identity, TransUnion has refused to block fraudulent accounts, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts .

* This violates FCRA 605B, which mandates blocking of fraudulent information upon receipt of valid documentation.

2. Unlawful Reinsertion of Deleted Accounts * TransUnion has reinserted fraudulent accounts, such as XXXX XXXX XXXX, without providing proper notification or certification, in violation of FCRA 611 ( a ) ( 5 ) ( B ). 
3. Failure to Remove Incorrect Personal Information * Unauthorized phone numbers and addresses remain on my credit report, violating FCRA 1681e ( b ), which requires accuracy and completeness in credit reporting.

4. Deceptive Practices * TransUnion has claimed items are " certified '' without providing evidence or documentation to support these claims. Their refusal to explain why fraud blocks were denied further demonstrates bad faith and negligence. 
Harm Caused : * Denial of credit opportunities and higher interest rates due to inaccurate information. 
* Damage to my reputation and creditworthiness caused by the continued reporting of fraudulent accounts. 
* Emotional distress from prolonged disputes and non-compliance by TransUnion. 
Resolution Requested : 1. An investigation into TransUnion 's practices and compliance with the FCRA.

2. Permanent removal of all fraudulent accounts, inquiries, and unauthorized personal information from my credit report.

3. Assurance that previously removed items will not be reinserted into my report.

4. Penalties against TransUnion for their deceptive practices and non-compliance with federal law. 
5. Compensation of {$20000.00} for financial and emotional damages caused by TransUnions negligence. 
I have attached supporting documentation, including prior correspondence, reports, and evidence of TransUnion 's repeated violations. I trust the CFPB will take the necessary steps to hold TransUnion accountable and ensure compliance with the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These three credit bureaus are causing me physical harm with there reportings of negative and hard inquiries all over my credit report. They removed these inquiries after our first letter then they added back these negative inquiries which caused my score to drop tremendously in the middle of a deal. These are law violations, privacy violations, through multiple channels : Federal credit laws including the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ) 609 of the FCRA or Fair Credit Reporting Act, and the Fair Debt Collection Practices Act ( FDCPA ) .. laws that govern reporting of this nature I am requesting an authorization document showing I gave consent to report my personal information publicly. Your reporting is causing me major compensation that I intend to retrieve. If you fail to resolve this issue. My next step will be an audit and notifying all the above channels of your actions along with the Department of Transportation.
Product: Vehicle loan or lease

I have been submitting disputes for this charge to be removed but the fraud is still reflecting on my credit account.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX  Credit Report, l noticed that an unknown hard inquiry was made by XXXX XXXX on XX/XX/2017 which l have no idea about it at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Debt collection

They mailed me this letter back in XXXX. I called and told them I sold the vehicle. They now keep sending me threats that they will collet my taxes funds. The letter says I still had owned the vehicle when that happened. That is a false accusation though. Last year XXXX they didnt sent me this letter at all. Not sure why its XXXX and they now threatening me.
Product: Debt collection

To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Regards to the Fair Debt Collection Practices Act ( FDCPA ), I am notify you that I am disputing this debt in entirety, and you are required to provide me with validation not verification but validition of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account with ALL the information that I requested, then you are to remove the collection account from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against the credit reporting agenciesExperian, XXXX, and XXXX their refusal to disclose the method of verification for disputed public record items on my consumer credit file. This refusal is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates that credit reporting agencies must provide consumers with a description of the procedure used to determine the accuracy and completeness of the disputed information. 

Despite my repeated requests, the credit reporting agencies have not provided adequate information regarding how they verified the public record items on my credit report. This lack of transparency has significantly hindered my ability to rectify inaccuracies on my credit report and ensure that my credit profile is accurate and fair. 

Furthermore, I possess a letter from the Bankruptcy Court in XXXX, Maryland, which clearly states that they do not report to the credit agencies, nor do they verify and validate public record items on credit reports. This letter directly contradicts the credit reporting agencies ' claims of verification and raises serious concerns about the legitimacy of their verification processes. 

The specific provision in question, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), states : > A consumer reporting agency shall provide to a consumer in writing not later than 15 days after receiving a request from the consumer, a description of the procedure used to determine the accuracy and completeness of the information disputed by the consumer, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

I respectfully request that the Consumer Finance Protection Bureau investigate this matter and take appropriate action to ensure that the credit reporting agencies comply with the FCRA requirements. If the credit reporting agencies are unable to provide proper verification of the disputed public record items, they must immediately remove these items from my consumer credit file. The US Bankruptcy Court has made it clear that they do not report to the credit reporting agencies nor do they verify or validate such information. 

I urge the Consumer Finance Protection Bureau to hold the credit reporting agencies accountable for their obligations under the FCRA and to ensure that consumers are provided with the necessary information to dispute inaccuracies on their credit reports effectively. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have had to dispute this company twice for fraud ; its started off as XXXX XXXX XXXX XXXX XXXX and then as XXXX XXXX XXXX and now its under the name Capio Partners LLC For the third time I am here to clarify I do not owe that debt. They can not verify any of what they're claiming I owe. EVERY YEAR I am harassed by this company/dept and im at a point of exhaustion.

I will clarify once again, this is FRAUD. Please I'm at my wits end and I don't know how to have this stop impacting my credit. Im trying to fix my credit and buy my first home and they constantly try to put this FALSE report on my name.
Product: Checking or savings account

My account was closed by bank for suspicious activity but there wasn't any fraud or anything as they say. I have proof of what happened and proof I am the sole owner of both bank accounts. There is {$730.00} in the account they will not give it to me the supervisor there told me if I called again he was pressing harassment charges on me please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW INFORMATION FOR CASE XXXX It has come to my attention to me the natural person/ consumer XXXX XXXX XXXX rights have been violated by EXPERIAN ONCE AGAIN according to the fair credit reporting act by reporting act 15 USC 1681 B ( 2 ) Permissible Purposes of Consumer Reports I Did not give Experian permissible purposes!!! 

- bankruptcy My credit report should only be filled with written instructions from ME ( the consumer to whom it relates ) 1. ) I Did not give Experian permissible purposes to report any Bankruptcy 2. ) This bankruptcy was NOT Ordered by a court to REPORT ON MY Report as Ive already attached the letter from the bankruptcy court that they DO NOT REPORT TO CRAS!
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX - XXXX - and the credit bureaus are reporting inaccurate information as well as they are in violation of the Bankruptcy courts - the Automatic Stay!

This account was included in my DISCHARGED bankruptcy yet they are still reporting  monthly, damaging my credit and reporting a balance! 
I am notifying my attorney and the next correspondence will be from him.
Product: Credit reporting or other personal consumer reports

I have requested XXXX XXXX XXXX  to produce and send me. All original contract documentations with my signed signature pertaining to alleged delinquency 30 day past due debt for XXXXXXXX XXXX XXXXXXXX. That is being reported as a past due delinquency on my Experian credit profile. I sent a certified letter on XX/XX/XXXX requesting the original contract along with payment history documentations. It's been well over 30 plus days and XXXX XXXX XXXX  has yet to produce or mail the original contract documentations or the payment history pertaining to alleged 30 day past due delinquency debt that is being reported on my Experian credit report. ( See Attached certified letter mail date and receipt )
Product: Debt collection

Emergent Business Group contacted me on XX/XX/2022 via phone. 

I have never received anything in the mail about this debt. 

Kindly fill out the documentation i have provided in the fair resolution area of this complaint.
Product: Checking or savings account

Signed up for account with {$200.00} sign up bonus. Completed all the requirements but bonus was not deposited in account.