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

On XX/XX/XXXX I disputed two accounts with TransUnion that were reported by XXXX XXXX XXXX XXXX for a debt they are claiming I owe XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/XXXX that the item first account # XXXX was deleted from my credit report and on XX/XX/XXXX I was informed that the second account # XXXX was deleted from my credit report. 

Additionally, the account numbers do not match for the original accounts nor does the amount match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 

Now I have discovered that the items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law and it is why I am reaching out to the CFPB to help resolve this matter quickly.
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. 

XXXX XXXX XXXXXXXX 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 {$3900.00} has violated my rights 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I reviewed my Equifax credit report online. I discovered that Equifax is reporting that I have two identical open accounts with XXXX XXXX. I submitted a dispute online. On or about XX/XX/2020, I called Equifax and spoke to a representative. I explained to her that I only have one account with XXXX XXXX, not two, and I would like to have one of the accounts removed from my credit report because it was hurting my credit score. She advised me that the dispute was still pending and XXXX XXXX reported that I have two exact accounts. On or about XX/XX/2020, I reviewed my Equifax credit report online and I discovered that Equifax closed my dispute without reporting their investigative results and the XXXX XXXX  EXACT accounts remain on my credit report. This wrongful information is hurting my credit score and preventing me from getting a home loan.
Product: Vehicle loan or lease

XXXX XXXX XXXX I had from XX/XX/XXXX, from XXXX. Then XXXX stopped working.I was taking ubers back and forth to work. XXXX  Months of no car ( broke down ). My car payments were getting behind. I was talking to my loan service. They suggested to see what XXXX would buy it back for, or mechanical malfunction and get estimates of what was wrong. I paid for it to get towed to XXXX and get put on the diagnostic machine. See what was wrong and it was the transmission. I got XXXX different estimates while I was ubering to do all this stuff and work. I also got an estimate from XXXX what they would give me for the car. Sent all that into the card loan people and it didn't seem like either was working in my favor besides giving them the car back. I voluntarily gave it back and several months after that. I got a letter that my car was in a class action lawsuit and they would pay for my transmission to get fixed. I don't have a car anymore and now I have a bill that I have to pay. I don't have a car from the loan people. I think this is so unfair of XXXX and nobody can help me. I've called several people left messages called lawyers called the settlement place. Tried to talk to whoever and nobody 's helping me. I'm extremely disappointed, I'm without a car and it's on my credit. It's saying I owe and I don't even have the car. It's showing late payments every month. After all those months went by I could've gotten it fixed they had to fix the cars.Then I could have gotten it fixed. all those months after the fact and still have that car. I tried working with loan people right away. When I was missing the payments. I did what they asked me too. It was supposed to help my situation and honestly it's gotten so much worse for me. I can't even get a car loan anymore now. I have been struggling to get to places and still don't have a car. It's really hard im so upset and sad.I don't feel anyone cares.I don't have a car. It's seems unfair to give the car back to them and I'm still being charged for it. It didn't work and it was because of XXXX making faulty transmissions. I really wished someone can help me.
Product: Debt collection

Previously CFPB complaint ID : XXXX Capital One Bank USA NA  stated Our records show that your account charged off on XX/XX/XXXX, XXXXFederal law definition of charge off The writing off of a debt and termination of collection activity without release of personal liability.See 7 CFR 1956.54 And to help you overstand what is a write off. By federal law definition, A write-off means Removing an asset from the books, especially as a loss or expense, while to deduct an item means to subtract it from gross income or adjusted gross income when calculating taxable income. So understand me Capital One Bank USA NA I am aware of your deceptive business practices. You can deny it all you want, thats cool, however, you believe you will be held accountable. You are furnishing to credit reporting agencies {$5700.00} written off which means you filed taxes, double dipping on the account, and did NOT comply with what the Internal Revenue Service required for you to do Capital One, which is provide me with the 1099c form. So guess what Im going to do Capital One Bank? Report you to the IRS since you failed to comply with the law and simple instructions. Any debt over {$600.00} is required a 1099c. Its public information so its no excuse us your ignorance for breaking the law! You closed my account without permissible purpose and that is also a violation of the law, you transferred my private information to an unauthorized 3rd party who was not a witness of our agreement which is another violation of the law! Capital One stated Your account was placed with XXXX XXXX for collections again, who was not a witness to our agreement, which is another violation of law.. Capital One are you insane? I have a right to privacy as a consumer. Do you understand how much trouble you are in? We can do this the right way or the hard way.. Prove to me where I gave Capital One written instructions, and permission to transfer my private information, to an unauthorized 3rd party who was not a witness, can you prove it to me please! Im reporting you to every agency I can think of. Im demanding to get an audit trail including your account ledger. I refuse to argue and go back and forth with you and you dont give me what I want, which is to reopen my account, because you didnt have any permission to close it without my consent in the first place that is 100 % illegal of Capital One. Capital One Decreased my credit limit from {$15000.00} to {$5000.00} WITHOUT my consent nor authorization is 100 % illegal. Do you know you can go to jail for authorizing another person account who has security interest without consent? See15USC 1602 ( p ) unauthorized use. 
I am demanding you to reopen my account, and now extend my credit limits to {$25000.00}. You will be held accountable for everything ALL the things you did to me, ruined my financial reputation and all the pain and suffering you have caused me and my family Capital One!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my purse along with my ID and Social and opened the following accounts and inquiries in my name : DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance {$4600.00} DEPT OF ED/XXXX  # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX High balance of {$3000.00} XXXX XXXX  # XXXX Placed for collection:XXXX Balance : {$310.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX< XXXX XXXX XXXX  # XXXX Placed for collection:XXXX Balance : {$3500.00} Original Creditor : XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a follow-up complaint to my previous complaint dated XXXX to ensure that the following fraudulent items are deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX have violated my rights under Fair Credit Reporting Act. I have notified them by mail and phone that I am victim of identity theft. I have requested the following account be removed permanently from my report because it was opened fraudulently. XXXX XXXX XXXX Date Opened XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau : I recently received a copy of my credit report from the major credit reporting agencies, and noticed some late payments entry on my credit report : Your company is in CLEAR violation of the consumer law. Under 15 USC 1681b the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL : Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT ( FCRA ) 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to Section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report ; DELETE the entry of the above late payment from my consumer credit report, because this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with this DELETION of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : ( 1 ) Defamation of Character ( per se ) ; ( 2 ) Negligent Enablement of Identity Fraud ; ( 3 ) Fair Debt Collection Practice Act 15 USC 1692g violation ; ( 4 ) Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ].

Thank you ... ... .....
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself insert name last four Social Security number is XXXX XXXX XXXX XXXX Please delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other account that need to be UPDATED. The Experian credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2015 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am seeking an investigation into specific accounts on my credit report due to potential inaccuracies. These accounts were deleted earlier but have resurfaced without my awareness. I was neither informed of their return nor received any mail concerning this issue.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

Hello, Upon looking at my credit report i see an inquiry was made on XX/XX/2018 from XXXX XXXX. I did not authorize this inquiry to on my credit report and i Have a security freeze on all my credit report which require anyone to verify anyone attempting to use my Social security number to contact me first before opening any new account. I am asking that this inquiry be removed from my report immediately. Thank you.
Product: Debt collection

A man calling from this number told me that the call would be recorded, stated the company name and attempted to get me to verify my information regarding a business matter. I asked him several times that Ive never heard of the company ( Nationwide Recover Services ) and to state the nature of the business before I verified any information. He refused several times and has called me 3 times within 7 business days. I asked what the company was, and he kept saying it was a business company. I outright asked if it was a debt collection agency and he refused to tell me. I called the number back to see what the company was, and he answered and didnt specify, once again, despite the fact that I called. I looked it up and of course it is a debt collection agency. They are required by law to report if they are attempting to collect a debt before they ask a person to verify information. They are harassing me and not being transparent.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've paid to delete a collection account and i haven't get any notification from the collection agency stating that they are going to delete the collection account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION CREDIT REPORTING AGENCY has a freeze on my credit report that I did not authorize nor issue. on monday XX/XX/2020 I spoke with a representative when trying to access my account online being I had been notified of a credit freeze on my trans union account. The representive was insulting and misguiding and stated she would e-mail a password reset link. I called back spoke with a male representative claiming their system was down. However, I keep having this issue with them and I have good reason to believe they are participating in covert harassment and possibly attempting to prevent me and other companies from viewing my credit report being it is possibly incorrect and/or attempting to prevent me from filing a dispute on inaccurate items on my credit report for another entity. The representative made a statement saying " You can't use us to get a loan '' I never mentioned to them I was trying to get a loan However, that's how I was notified that i had a freeze on my credit report while attempting to apply for a loan online but never said this to them. I've been hung up on or system is always down or left on hold for hours and no one returns. I worked in credit for 12 years myself personally and I know they are violating my rights
Product: Debt collection

The debt is not mines and i don't have any knowledge of the account. I did not authorize it. I think it's a part of identity theft.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I checked XXXX, and I do not have an active Bankruptcy. You are reporting information that is Inaccurate to the credit agencies. I demand that you remove this item from your database or I will file a lawsuit for negligence and inaccurate reporting. I have attached a screenshot from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Bank of America is illegally refusing to release any funds from my deceased mother 's checking account, even after presented with all the necessary paperwork including an L8 form. They claim it's because she received a {$2500.00} direct deposit from Social Security that may have to be repaid and can not release a partial distribution from her account. Our attorney advises that is illegal. Please investigate Bank of America 's fraudulent business practices and require them to release the illegally held funds to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rehabilitated 11 student loans successfully XX/XX/XXXX. 
Consolidated student loans XX/XX/XXXX. 
Disputed with Transunion on XX/XX/XXXX when they failed to correctly report XXXX account ( opened XX/XX/XXXX, {$4000.00} ) accurately with the other 10 accounts without derogatory marks and as closed and paid in full. 
Dispute failed to correct the error. 
Disputed AGAIN XX/XX/XXXX. 

The error still exists!! 
Currently sending a dispute by mail with rehabilitation agreement proving derogatory marks would be removed as a result, the successful rehabilitation, and the consolidation proving the loan in error was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX shows a inquire on my credit report on XX/XX/2018 but I never gave them written authorization to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX,2022 I sent TransUnion a notice to dispute inaccurate and fraudulent accounts. Its been passed 30 days and these accounts are still reporting and no proof of investigation. Also, I have not given TransUnion written or verbal consent to report any derogatory remarks on my credit report. No consent is identity theft per title 15. Congress made it clear that furnishers arent allowed to report information containing transactions or experiences between the consumer and the person making the report. This is defamation of my character, unfair practices and conspiracy to help companies commit fraud against me.