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

I am submitting this formal complaint about XXXX, XXXX, and TransUnion, for violating the following laws related to my consumer report : 15 U.S. Code 1681b ( g ) ( A ) ( 2 ) : Permissible purposes of consumer reports 18 U.S. Code 6802 : Wire fraud Specific Violations of U.S. Code : 15 U.S. Code 1681b ( g ) ( A ) ( 2 ) states that a consumer reporting agency may only furnish a consumer report if the person requesting the report has a permissible purpose for using the information. I did not give my permission in any form for XXXX, XXXX, and TransUnion to report the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  18 U.S. Code 6802 states that it is a crime to knowingly transmit false or fraudulent information in interstate or foreign commerce. XXXX, XXXX, and TransUnion transmitted false or fraudulent information about me to potential creditors and employers by reporting the accounts listed above without my permission. 

Here are the specific examples of Unfair, Deceptive, and Abusive Practices : XXXX, XXXX, and TransUnion reported the accounts listed above on my credit report without my permission. 
I have not been notified of the accounts listed above being reported on my credit report. 
The accounts listed above are inaccurate and have damaged my credit score. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX, XXXX, and TransUnion 's practices and take appropriate action to protect consumers from XXXX, XXXX, and TransUnion 's unfair, deceptive, and abusive practices. I would also like to be compensated for the emotional distress and financial losses that I have incurred as a result of XXXX, XXXX, and TransUnion 's actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a handwritten letter to Experian for a dispute of 5 collections that were on my account. In that request I asked them to fully verify the disputed items within 30 days and send me an updated copy of my credit report once the investigation is finished. They only sent me and updated copy of my credit report and said that the accounts were verified with no actual proof of it. On XX/XX/2022, I sent in another letter to Experian for a dispute of the 5 collections that were on my account. In that request I asked if they can provide the original contracts for the items that I previously disputed for, fully verify the items, and to please deleted the account that they can't provide the original contracts for. I received an update about the investigation on XX/XX/2022 and they removed two accounts but it's still three accounts on there with no proof of the original contracts for all five and no updated credit report
Product: Credit reporting or other personal consumer reports

A payment was made to XXXX XXXX  in XX/XX/2022 for {$1400.00} for payment in full. I have a copy of the cleared check. The account still appears on my credit as unpaid. I have made several calls and filed disputes with the bureaus to which they reply it is unpaid. I have sent copies and they still refuse to remove this account. Clearly a violation of the FCRA, not to mention the attempts to collect on a debt paid 2 years ago. I would like this completely removed from my credit as it now has caused issues with my score and prevented me from obtaining other new lines of credit and as a young professional now is the time for me to be building my credit
Product: Credit reporting or other personal consumer reports

After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a THIRD dispute with the bureau. I have reached out and let them know I was a victim of identity theft and if they can removed these accounts from my report. 
As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. 
However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing. 
this is my third letter reaching out without a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX Experian : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I have already disputed these accounts with the bureaus but they did not remove them, nor prove validation under Sec. 609 FCRA.

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

I have over 21 closed account that should have been removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reported that my identity was stolen and was used to open an account with XXXX. I've since deputed and have gotten a written statement stating that this account indeed should be deleted. However, none of the credit bureaus have taken action and removed from my credit report. 

Account number : XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Toyota Motor Credit Account XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX This creditor violated my rights under US1681 Section602 states I have the right to privacy. 15 USC1681 Section 604 ( a ) section 2 a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I been using Lexington for a year now with no results. From beginning they knew it was a scam n continued to get money from me. No feed back no results no communication or nothing I spent over XXXX trying fix my credit I would be ask for full refund
Product: Debt collection

Dates : XX/XX/XXXX unsure of time as this log was deleted XX/XX/XXXX at XXXX XXXX   XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX.

These are records of calls made to my personal cell phone. Each time a partial automated voicemail is left, repeating the callback number. I've answered this number on the first two calls made to me on the XX/XX/XXXX and XX/XX/XXXX, but there was no answer on the other end. I called back but again it was an automated system asking for my social security. I blocked the number but continued to receive partial messages on my voicemail.

I do not know what company, if any, is attempting to reach me, and I am unable to contact anyone to make these calls stop. Please help.
Product: Debt collection

A company called NCC business services is reporting a debt which I know nothing about. I asked for validation of this debt but no response. I do n't owe these people anything.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the terms that i need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report.I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, XXXX, equifaxASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, XXXXXXXX XXXX equifaxfailed to be fair and repect my privacy according too 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, XXXX, and Equifax is in violation of several federal laws including responsibility they have to protect my privacyI ask that these be deleted so my credit report only show accurate information. I reported the theft of my identity to the federal trade commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS : 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

All Other Agencies are reporting a Fico Score except Experian. So when I have tried to apply for a loan from a bank I have been told several times that I do n't have a credit score?
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$3200.00}, {$1300.00}, {$4100.00}, {$18000.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Product: Debt collection

I called Midland funding to offer a settlement on a very old debt. They threatened me and indicated I am being sued and needed to contact XXXX 

I called XXXX and was rudely told I am being sued. The lady I spoke with was XXXX. She refused to accept a settlement although I insisted this account was included in a bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that the following account be verified or removed immediately : 1.The inquiry was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/2021 Please remove it from my credit report. 

2.The inquiry was not authorized XXXX  Date of inquiry : XXXX Please remove it from my credit report. 

I respectfully request to be provided proof of these alleged items.
Product: Debt collection

I have received notification from Phoenix Financial Services that I owed medical debt from XX/XX/2017. The information in the letter I received contained misspellings of my name and referred to an ambulance company in California ( a state I have never visited/been ). After researching the company and calling their customer service number, I learned that the information they have on me is incorrect and requested that they file a dispute. The company had reported this debt collection effort and I learned that it has affected my online credit score significantly The company requested I file a police report, however, the police department informed me that I can not file a police report if there was no financial harm/stolen property. The company then proceeded to send me more information about the debt to which I still can not file a police report. 

I have requested that the company allow me to dispute the debt but that has not happened as of today.
Product: Credit reporting or other personal consumer reports

My Fortiva Mastercard credit card is lost/stolen. I want Fortiva to immediately close the Mastercard account. I want XXXX and XXXX to delete and remove the lost/stolen Fortiva Mastercard account from my XXXX and XXXX credit report. I want XXXX and XXXX to report this information to Fortiva Mastercard and XXXX XXXX as well. My Fortiva Mastercard Account Number is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have numerous emails going back and forth with XXXX XXXX XXXX regarding the XXXX XXXX account that they continually tell me that its closed but is showing open on my report. Ive asked for resolution Ive asked how to pay and resolve but nothing has been done I dont what theyve changed but they say theyve changed the report but it shows the same. Over 30 emails back and forth with no resolution I have messages since XX/XX/23-until present Ive been communicating. Theres a balance of XXXX dollars and no way to resolve the situation according to them
Product: Student loan

The company is unreachable via U S Mail or by phone I sent letters and it came back " Undeliverable ''
Product: Debt collection

I had credit with PayPal. I made one payment of {$71.00} dollars. I did not work most of 2024. IThe debt was charged off to Synchrony Bank. In calling Synchrony Bank I'm told 1. they don't have information for the debt 2. They can't take a payment 3. They don't know the balance 4. They know the balance but can't take a payment, I get sent to another company XXXX or something and they tell me it's a new account and they don't have any information. 
5. They tell me I owe PayPal and JCPENNEY As of today I am not able to pay the debt for PayPal.
Product: Debt collection

1681s-2 ( a ) ( 1 ) ( B ) - After a dispute, the information can not be furnished if the information is in fact inaccurate. 

AFFIDAVIT Notice, it is a fact, affiant is aware, This information has been disputed. After this procedure upon discovery, my consumer report is still showing the information inaccurately. This is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) and the account must be removed. 

This furnisher is not following industry 's own XXXX XXXX Compliance and reporting ACCURATE AND COMPLETE information and they have not, which is a violation of the FCRA. I have prepared my exhibits in case arbitration or litigation will be a necessary step going forward
Product: Debt collection

I just saw this Collection Account from Brown and Joseph , LTD which is showing {$0.00} balance. According to Brown and Joseph the collection was open on behalf of XXXX XXXX, which I have not done business with for a very long time and was never in debt with, hence it says {$0.00} balance. 

Also, I have never received any collection notices over mail or phone from Brown and Joseph , LTD or XXXX XXXX. 

This needs to be removed from my Credit Reports because the information is incorrect and erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish a account with out my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a credit card payment open and consumer credit plan as late for any purpose reporting lates XX/XX/XXXX AND XX/XX/XXXX
Product: Debt collection

On XX/XX/2021 I was inaccurately reported to Experian Credit Bureau for a debt that is o {$510.00} from XXXX XXXX XXXX for an account with XXXX XXXX XXXX original creditor. The account being reported has a different last name than mine, yet when I disputed the account with Experian they return results as verified and accurate. I have disputed the account three times with every result stating verified which is inaccurate Experian has not provided me any information on how the accuracy of the account was verified despite my request.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : XXXX XXXX XXXX XXXX Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c- 2 ) that you, the 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 a addresses that I have no association with ( XXXX XXXX XXXX XXXX Tx, XXXX and XXXX XXXX XXXX XXXX ). The addresses are associated with several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached my current utility bill, I've also attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, addresses, collections, or hard inquiries as reported. The aforementioned accounts, addresses collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : No consumer reporting agency XXXX 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. XXXX U.S.C XXXX ( A ) ( XXXX ) 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. Account needs to be removed from report.
Product: Debt collection

I tried to pay the debt for {$100.00} in full. They stated that even though they could take it off my credit, they would not for 3-6 months. Now, within two days, they took my credit down 9 points because they increased the debt amount by {$1.00}
Product: Checking or savings account

Was overcharged by XXXX in XXXX of 2019, using my Citibank debit card for payment. Citbank agreed to refund the amount in question but never did so.
Product: Credit reporting, credit repair services, or other personal consumer reports

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly  investigated. I have yet to received anything back from them.