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

I, XXXX XXXX recently noticed there were multiple items on my credit report that are suppose to be excluded from my report that are not from TransUnion. I believe this to be a violation of 15 usc 1681a ( 2 ) ( b ) which states in the exclusion section - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I sent TransUnion a notarized affidavit ( XX/XX/XXXX ) with a certified receipt ( XXXX XXXX XXXX XXXX XXXX ) that was received by them XX/XX/2021. TransUnion violated my rights in section 15 usc 1681a ( 2 ) ( b ) There were 24 violations included in my affidavit as well as Exhibits that were Marked A-J. 

I also sent TransUnion an invoice for ALL the violations against me that added up to {$24000.00} for 26 different violations. Which it's a 1,000 per fcra violations.
Product: Credit reporting or other personal consumer reports

This is absolutely horrifying. These companies pulled up my credit report without my authorization and this has hurt my credit and XXXX XXXX. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

CFPB, XXXX still has my name listed wrong under my identification on my consumer report. I use 2 names ( XXXX XXXX, XXXX XXXX XXXX. My full name is XXXX XXXX XXXX.I will have my Driver 's licenses Attach d for proof. All so Experian needs to correct my personal information too I only go by XXXX XXXX XXXX, XXXX XXXX. All those other names need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

BOTH TRANSUNION AND XXXX  HAVE ALLOWED 2 COLLECTION AGENCIES TO VIOLATE THE FAIR DEBT COLLECTION ACT. THEY ACTUALLY REMOVED THE DEROGATORY COLLECTION ACCTS THEN ALLOWED ANOTHER COLLECTION AGENCY TO ADD THE SAME ACCT BUT DIFFERENT AMTS BACK. I HAVE PROVIDED PROOF THAT THESE AGENCIES NEVER ADVISED ME THIS DEBT WAS OWED TO EITHER PARTY AND IGNORED MY LETTERS TO VALIDATE DEBT WITHIN 5 DAYS OF RECEIVING IT. I HAVE WRITTEN 4 CORRESPONDENCES TO BOTH CREDIT BUREAUS SINCE XX/XX/XXXX AND IT STILL HAS NOT BEEN RECTIFIED. BOTH XXXX  AND XXXX XXXX XXXX/XXXX XXXX HAVE VIOLATED FEDERAL LAWS IN PLACE TO PROTECT ME. I WAS NOT EVEN AWARE XXXX XXXX WENT BY XXXX XXXX XXXX. THESE ACCTS CONTRACTS WERE CANCELLED BY XXXX AND XXXX XXXX XXXX AND TERMS OF THESE WERE NULL AND VOID. XXXX  HAS REMOVED THESE BUT I STILL CONTINUE TO DISPUTE THESE ACCTS WITH XXXX  AND TRANSUNION SINCE XX/XX/XXXX & XX/XX/XXXX AND WERE AT ONE POINT REMOVED AND ADDED BACK THIS YEAR. I WOULD LIKE AN OFFICIAL INVESTIGATION CONDUCTED INTO XXXX  AND AND TRANSUNIONS DISPUTE INVESTIGATION PROCESS & PROCEDURES. PLEASE. THESE SHOULD NOT HAVE BEEN ALLOWED TO BE ADDED AFTER THIS DURATION AND AFTER THEY NEVER VALIDATED THE DEBT, NOR ARE THEY THE ORIGINAL CREDITOR
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to bring your attention once again to the complaint I submitted on XX/XX/XXXX. As the 15-day mark approaches, I am in the process of updating my credit reports and wish to reiterate a crucial matter regarding the removal of specific items, as mandated by the FCRA Section 605b . The items in question, as detailed below, are associated with identity theft report # XXXX : XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , PA XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit card

Capital One Bank has participated in unfair and deceptive practices with their VentureOne credit card. I was charged a fee for XXXX on XXXX for not paying my full previous balance. This is not accurate. I paid my balance in excess for the month, but Capital One said I did not get credit for the payment of XXXX because it happened one day before my cycle date. I attempted to call and resolve on XX/XX/XXXX but the specialists and supervisors we uncooperative and rude. The funds were not withdrawn from my account until the DAY AFTER cycle ( XX/XX/XXXX ). They also stated they have no ability to reverse fees. Their system does not allow it. I know for a fact this is not true and do not appreciate being lied too. They need to be held accountable for not only how they treat their customer of over 15 years but also providing false and inaccurate information about what they can and can't do. I attempted to escalate further but the response I was given was to call back and I would get another specialist and I could then ask for a different supervisor. They expected me to stay on hold in the effort I would just give up. This has now become not about the money, but about how this company thinks it can treat a loyal customer. If they do this to someone that has been with them over 15 years, I can not imagine how they treat other customers. Capital One should be embarrassed with how their specialists and leadership treat me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX i sent letters to XXXX, XXXX, Transunion stating pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX ( XXXX XXXX, 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 an consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

SYNC B and XXXX XXXX  Did not authorize with me to run credit checks or reports on my behalf.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2020, at XXXX XXXX  MST, XXXX XXXX of Cedars Business Services, using email address XXXX, has repeatedly tried to get me to pay him a sum of {$1600.00} for an account which does not bear my name or address, or any name or address on a business of mine. His first attempt contained no documents of any kind. XXXX contacted me again on XX/XX/2020, at XXXX XXXX, and again on XX/XX/2020, at XXXX XXXX  over the same matter. The company name on the document is " voiproca media limited '', with a postal address of " XXXX XXXX XXXX XXXX XXXX, XXXX ''. This is not my name, nor the name or address of one of my companies. Each time XXXX wrote, he was instructed XXXX nicely ) not to contact me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a share loan from my credit union. When they pulled my credit history from Equifax, it gave them the credit history of someone with my same name. Equifax refuses to take any responsibility for having someone else 's credit history under my name. Equifax tells me they have no record or files of me whatsoever, yet when my credit union runs my Equifax credit report they pull someone else 's information as my credit report. As it now stands, I see no way I can do anything to fix this because Equifax refuses to help me.
Product: Credit card or prepaid card

Im currently receiving unemployment benefits In Nevada and they use Bank of America for the debit cards they assign us. I looked at my account today XX/XX/XXXX and noticed 4 fraudulent charges to my account, three in the amount of {$99.00} and one for {$1.00} all charges to XXXX. My account is now over drafted by {$160.00}. I called and filed a dispute for the fraudulent charges and they told me it could take up to 90 days and they cant stop charges or send me a new card because my account is negative. Now Im worried when my new benefits post in the next day or so new fraudulent charges could go through and also {$160.00} will instantly be deducted from my unemployment benefits unfairly to me. Bank of America said they were aware of fraudulent charges happening to peoples accounts from uphold.com why werent we as consumers warned of this possibly happening. Im extremely frustrated because I will now be out several hundred dollars till whenever Bank of America decides to finish my fraudulent claim.
Product: Debt collection

I initiated a consumer credit transaction with NAVY FEDERAL CREDIT UNION XX/XX/2021 to obtain a charge card on credit. NAVY FEDERAL CREDIT UNION falsely and illegally turned this consumer credit transaction into a loan in which they are now attempting to collect on an alleged debt that I do not owe as a consumer. During the CREDIT application process I submitted my credit card ( social security number ) which was used to access monies from my account at the treasury. In this consumer credit transaction I have an open end consumer credit plan in which NAVY FEDERAL CREDIT UNION repeatedly obtains money from my account at the treasury to cover charges on my charge card ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorized inquiries appear on my respective credit reports : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

BRIDGCREST XXXX : This account has been disputed 3 times. I have asked for verification of late payments. I have not recieved an account ledger from the creditor. I demand proof of this account if it is being furnished on my report. Please delete immediately! 

XXXX  XXXX : There is no notice of dispute marked on this account, yet it has been disputed 3 times. Under XXXX billing error- I demand a copy of my statements sent 21 days before my due date. I demand method of verification. Please update to pays as agreed, never late. 

XXXX All account numbers on XXXX XXXX XXXX and XXXX report all student loans with no late payment history. This account has been disputed 3 times, yet there is no notice of dispute. I demand equifax provide me with proof of the erroneous late payments. All accounts should match across all three credit bureaus. Update to pays as agreed, never late. 

XXXX XXXX : This account has been disputed 3 times, yet there is no notice of dispute. The open date is inconsistent across all three bureaus. Terms is incomplete. High balance is inconsistent. Date of last activity is incorrect- manipulating the statute of limitations. Payment history is inconsistent. The account was closed in XXXX of XXXX yet XXXX reports late payment history until XXXX of XXXX. I demand the removal of this erroneous account or I will be seeking arbitration.
Product: Credit reporting

i sent a letter cerfied mail to equifax about a collection account on my credit report the apartment complex has me down as owing over XXXX i never lived there i apply for the complex but turned it down becauae i could no longer move to a different state at the time i asked equifax in the letter i sent to send proof of me owing this debt and they have not they keep telling me its verifed and i ask them who verifed it and how they will not send me anyproof i know i did not live there so there is no lease with my singarture on it i tried to reach the company and they went into bankrupcy so i can not reach anyone there and the collection agency is giving me a hard time bout getting it removed it is messing with my future of my housing and need some guidance to help me fight this equifax removed it out of public recored but wont take it out of collection even after the courts verified that i never was ask to goto court on this matter
Product: Credit card or prepaid card

I was a with COMENITY BANK/XXXX  customer since 2014 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/2014 ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since  XXXX   XXXX  I have been disputing  XXXX  accounts on my credit report with a company called  XXXX   XXXX   XXXX . I sent a few letters to them previously asking them to validate the accounts that maintain under my social security number.  3 fail ed attempts and no contract was provided. I contacted the Credit Bureaus and the accounts was deleted, however after a recent update the accounts are back.  XXXX  account is now being reported again with a {$0.00} balance and the other  XXXX  has a {$120.00} balance and states account meets FCRA requirements if some new documentation was presented it was not provided to me. Also I reside in Maryland and Maryland law states that a debt buyer must be licensed. I checked my state websites for debt collectors and  XXXX  is listed as closed. My recent letters have been unanswered and the Credit Bureau is not assisting me at all.
Product: Credit reporting or other personal consumer reports

on XXXX I mailed in a dispute letter via certified mail. It included statements, ID information and details of the items being disputed. I requested copies of the documentation used to validate the data on the report or delete the information. 

on XXXX XXXX XXXX I received this email from Experian : XXXX XXXX XXXX XXXX XXXX " We received a recent request regarding your credit information that does not appear to have been sent directly by you or authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. 
" On the same day, XXXX, I called the number Experian provided with the request to identify what specifically this email was referencing and what details in my dispute letter were incorrect. I was bounced around from fraud to consumer affairs and back to fraud. Through XXXX different reps, no one provided help. The last rep put me on hold, and after XXXX minutes of being held, they came back on the phone, acted as if they couldn't hear me, and hung up. Wasted XXXX minutes. 

I called back moments later and got bounced around again. The first person I spoke to told me to provide a pin which NO ONE else asked me for, They then told me the items are deleted in her system when those emails go out and she couldn't confirm what documentation the email was about. She proceeded to tell me to email it again! I requested an escalation, and I finally spoke to someone who was able to see the rejection email. they said they weren't sure why the dispute letter was not accepted. He said it could be because the system thought it was based on a template being ( I disagreed with this ). They said they could not be sure but told me to resubmit a clear copy of ssn card. They had me use the site XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2020 Comerica XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Checking Bonus Offer To Whom it May Concern : On XX/XX/2020, I applied online for a Checking account at Comerica Bank ( the Bank ) in response to an offer to Earn {$200.00}. I was subsequently approved and met the offer requirements. 

I contacted the Bank several times to request payment. As of today, the bonus has not posted. 

Now, I respectfully demand that the Bank pay the advertised bonus of {$200.00}. 

Otherwise, this matter will proceed to trial with all costs borne by the Bank. 



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

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear TransUnion, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX Type of Business : Personal Loan Company Date of Inquiry : XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Product: Debt collection

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I XXXX XXXX have the right to request the validation and verification of the debt. As of now, I do not recognize or acknowledge this debt, and therefore, I am disputing its validity. 
I am requesting that you cease collection activities until you validate the following information : Validation of Debt : A complete account of the debt, including a copy of the signed contract or agreement that establishes my responsibility for this debt. A detailed breakdown of the amount claimed, including any fees, charges, or interest added.Proof of Assignment : If this debt was purchased or transferred, I request proof of the original assignment or sale agreement between you and the original creditor. Proof of Licensing : Please provide proof that your agency is licensed and bonded to collect debts in the state of New York. As per 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ), you must provide all validation information and allow me the opportunity to dispute the debt before continuing any collection efforts or furnishing information to credit reporting agencies. Additionally, under 12 CFR 1006.34 ( d ), you are prohibited from furnishing information about this debt to consumer reporting agencies without first providing the required disclosures and validation.
Product: Credit reporting or other personal consumer reports

LexisNexis continues to slander my character. The have failed to provide a fair and accurate credit report. I have contacted LexisNexis numerous times disputing the inaccurate information they are sharing. Not only did they failed to properly reinvestigate. They do not have permissible purpose no consent was given. I asked them to provide with the documentation showing I gave consent. I asked for procedure of reinvestigation. See the attached for me details and numerous inaccuracies and FCRA violations.