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

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. *
Product: Money transfer, virtual currency, or money service

VENMO incorrectly is blocking my account over {$50.00} from a transaction from XX/XX/19. 

Venmo incorrectly pulled out the money twice and notified my bank XXXX of the duplicate. 

Now Venmo wants {$50.00} to reopen the account when the mistake was on them. 

I just need them to give me access back to Venmo
Product: Credit reporting or other personal consumer reports

I am requesting that XXXX XXXX report new corrected information to update my credit file to Experian for account # XXXX. I have submitted a direct dispute multiple times between XX/XX/2023 and XX/XX/2023 and Experian has listed someone named XXXX XXXX from XXXX XXXX XXXX as stating the current information is accurate and it is not. This account was sold and removed from XXXX and XXXX as of XXXX but Experian is waiting for the updated information from XXXX XXXX XXXX in order to remove the XXXX XXXX account accordingly. I am attaching verification documents for the Compliance department to get the correct information reported to Experian. All XXXX report are attach as well showing the discrepancies and failure to report accurate information to Experian. There are XXXX active complaints in progress for Experian Experian with CFPB as well as XXXX as I have not been able to get this issue resolved through the company. I AM REQUESTING THAT XXXX CONTACT EXPERIAN AND REMOVE ACCOUNT AS IT HAS REMOVED IT FROM XXXX AND XXXX in the past couple weeks. All my direct disputes through Experian have been unresolved as Experian is stating and I quote " XXXX XXXX  is stating information on Experian report is accurate '' XXXX XXXX listed as contact for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 
XXXX no last names or ID # available when requested, are the supervisors I have contacted by phone at XXXX XXXX XXXX and XXXX XXXX stated the issue was escalated to the Compliance department over a week ago, still no correction to the Experian credit bureau. This is causing harm to me as I am XXXX & currently homeless living with others and my scores affect me getting housing. XXXX XXXX and Experian have knowledge of the incorrect reporting and have yet to correct their incorrect reporting. 
Desired settlement : Correction to a credit report ; Billing adjustment
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the written requests, the unverified items listed below are reporting on my credit report in violation of federal law. The XXXX, TransUnion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed items which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} XXXX XXXX : {$4800.00} XXXX XXXX XXXX XXXX : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$740.00} CXXXX Date of inquiryXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information, which I have listed as the XXXX items in addition to a copy of My Identity Theft report, Consumer Financial Protection Bureau report ( s ), and evidence to improve my situation, I request that these items be removed : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reached out chime to closed services towards credit building because the company advertised if used your credit score will now then increased. However, this wasn't the case. XXXX reported to the Credit agencies on XX/XX/XXXX when it was supposed to be reported on the XXXX of each month according to their policy also I haven't owed them {$40.00}. XXXX offered a self credit building option where you can use a safe credit credit building where consumers would have the option to automatically transfer funds from checkings to fulfill any amount owed if any balance accord. However I didn't have any balance owed because I transferred XXXX towards the beginning of that month. When XXXX reported to Transunion my credit scored plummeted 48 points. XXXX never mentions consumers credit score have a chance of decreasing if used their services during reporting. I have called XXXX to close the account and requested to delete the account from XXXX and stop reporting from any other Credit Agencies such as XXXX  and XXXX. Afterwards I dispute the information with Trans Union. After disputing with TransUnion the account Still Remains on my credit report which doesn't give me accurate reporting not did the Credit Reporting Agency restored the 48 points that were lost despite telling them of my circumstances. After closing the account and no longer using their services XXXX still Goes forth with reporting to XXXX  and XXXX  despite if the account is no longer open several days, after.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against TransUnion because they have failed to comply with the Fair Credit Reporting Act XXXX FCRA ) by using multiple stall tactics and using computer-generated responses to my dispute letters. On XX/XX/XXXX I pulled my TransUnion credit report. I noticed several accounts were reporting inaccurately and I knew the specific accounts reporting were not mine. After trying to update my personal information, I disputed XXXX ( XXXX ) inaccurate accounts which were XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXXT with TransUnion via U.S. certified mail on XX/XX/XXXX. See attached. TransUnion deleted accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXXT as a result of the dispute investigation. TransUnion claimed to have verified the XXXX and SXXXX accounts. However, I received a notice dated XX/XX/XXXX from TransUnion reinserting the XXXX   account consisting of 16 digits. See attached. TransUnion failed to comply with FCRA section 611 ( B ) ( ii ) by failing to properly notify me of the reinsertion. See attached. The reinsertion was done on XX/XX/XXXX but I didn't receive notice of the reinsertion until XX/XX/XXXX. On XX/XX/XXXX I requested TransUnion method of verification for verifying the reinserted account and my request was completely ignored. 
On XX/XX/XXXX, I pulled my TransUnion credit report again and discovered that the XXXX XXXX XXXX XXXX is now reporting an account number which only consist of 12 digits. See attached. I also discovered that the XXXX and XXXX account numbers were completely changed as well. In XXXX, XXXX were reporting an account number that consisted of 12 digits and on my XX/XX/XXXX credit profile its reporting an 8 digit account number. In XXXX, XXXX were reporting an account number consisting of 16 digits but on my XX/XX/XXXX credit report its reporting an 12 digit account number. 
So, on XX/XX/XXXX, I certified mailed another dispute letter to TransUnion disputing the new inaccurate XXXX XXXX XXXX XXXX account number along with disputing the inaccurate DSNB/MACYS and SYNCB/WALMART accounts. See attached. I do not have any contracts for any of the disputed inaccurate accounts and know that they can not be verified. If the inaccurate items including XXXX XXXX XXXX XXXX, XXXX and XXXX are not properly re-investigated and verified by documentation with my wet ink signature on it then TransUnion has no choice but to delete it from my credit report. They have failed to verify the disputed accounts and has failed to delete them from my credit report which violates the FCRA. Due to TransUnion failure to properly investigate my dispute and delete the disputed accounts, it's causing unverifiable derogatory statuses to reflect on my credit report which is having a negative effect on my credit report score and will be injurious to me in the very near future. To date, TransUnion has not responded to my XX/XX/XXXX dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Greetings. 

APOLOGIES I SENT UNSIGNED AFFIDAVIT AND I AM ATTACHING THE CORRECT FORM BELOW. 
For several months now, I have disputed several accounts that should not be on my consumer report. Some were deleted due to furnishers removing them because they were breaking the law, while Experian- kept sending negative responses, despite my repeated attempts. Every response is archived in my CFPB portal and I also have several physical mail responses documented. 
I now seek remedy for all the damages incurred with credit denials and insanely high interest rates in credit cards. 
Attached below is - An affidavit of truth, pre-arbitration letter, arbitration letter and invoice for the bill of particulars. Tragic it had to come to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and transunion about incorrect personal information on my credit report XX/XX/2020 and i still havent recieved a response and by law u have 30 days or it is to be deleted and its been well over 60 days
Product: Debt collection

On XX/XX/XXXX I disputed an erroneous collection from XXXX ( account # XXXX ) in the amount of {$130.00}. XXXX was the creditor on my credit report. I sent everything to them and the three credit bureaus through certified mail. After numerous communications they were unable to locate the account and agreed to delete it from my report. It was deleted as agreed. On XX/XX/XXXX this debt was improperly re-inserted onto my credit report by a third-party collection agency, EOS CCA under an account number of XXXX on behalf of XXXX. I received no communications from EOS CCA. I filed an online dispute requesting additional information and only got a response of verified. This was previously resolved and removed and now EOS CCA cant provide any documentation it is still owed nor will the remove it after it being improperly re-inserted.
Product: Credit card or prepaid card

I want to close all of my XXXX XXXX bank accounts and XXXX accounts please
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of last year ( XX/XX/2017 ) I noticed that there were a lot of incorrect notations and fraudulent accounts I never authorized. I attempted to pay a credit repair agency {$500.00} to help clear the errors but they have been unsuccessful thus far. They sent out a round of letters to the bureaus but the return response was inconclusive to my knowledge. My score is still terrible and I'm out of {$500.00}.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX number : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was shocked to find errors in my credit report this morning, and I have no idea how they appeared. As part of my usual routine, I checked my report, but unlike before, I saw discrepancies that shouldnt be there. Thinking it might be a technical glitch, I refreshed my browser, yet the inaccuracies persisted. Due to this, I am requesting a detailed review of the documents I provided so I can stop worrying about this matter.
Product: Checking or savings account

HSBC bank has been stealing money from my account for more than 3 months. I filed 2 complaints before with CFPB. Based on HSBC statement, the hacker ( inside of HSBC ) still stealing my money, because I could not access my account, all my accounts has been suspended since XX/XX/2018. I have never received respones directly from the company. I made many phone calls, they refused to serve me. As matter of fact, I called today, XXXX asked me to go to branch. I have been branch many times, they wanted me call HSBC customer service. I called XXXX XXXX XXXX ( vice president ) several times, left messages on her answering machine. She never called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX  XXXX  XXXX Date Opened : XX/XX/2019 Balance : XXXX XXXX-Late/Closed Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reported this information. I have hard inquries on my credit report that is not me and they refuse to remove the information. the inquries on my report that need to be removed are as listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NOTHING NO KNOWLEGE OF NONE OF THESE AND I WANT THEM REMOVE FROM MY ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an ftc report because I found inaccurate accounts on my credit report and nobody has helped me.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had {$500.00} charged to my Coinbase account on XX/XX/2018 at a time when I wasn't even able to make purchases. I received nothing for the {$500.00} and immediately contacted coinbase. After numerous phone calls, I have only been told that they " have a ticket open for me. '' It has been almost a month and they are holding {$500.00} of mine that I clearly never sent to them, and for which I have received no products, services, etc. 

For as long as I am seeing no real action or attempt to reconcile this on their end I consider this to be fraud as they extracted funds from my connected account without my permission and have largely disregarded my attempts to reconcile the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to check on and remove a previous security freeze with Experian. I have been caught in an endless loop on their website and phone. When I go to the security freeze website, it tells me to create an account. Since I already did, I click log in instead. When I log in, the security freeze website only provides the option to request a credit report. When I followed those steps, thinking it might lead to the ability to update my freeze, it tells me I already have an account and to log in with that account instead. When I log in with that account instead, it tells me to request a credit report. When I try to go directly to the freeze site ( Experian.com/freeze ), it tells me I can manage my freezes by creating a free account. When I try to create a free account, it tells me that I already have one and to use that instead. When I try to use that account, I log in and it tells me to request a credit report. 

I have tried calling them, but their answering service puts you through another endless loop of telling you to use their website to manage your freezes, and does not provide an option to speak with a person. When you ask to speak with a person, it tells you that you can not, but you can manage your credit freeze on their website. 

I have tried multiple browsers with the same results. I am not able to manage a credit freeze, and the loop I am put through on both the phone and the website appear intentionally designed to prevent the management of credit freezes.
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

1.I have never had an account with this company COMENITY BANK/GOODYS XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK/GOODYS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting

I received a alert from all XXXX credit bureaus that a new account hit my report causing my scores to drop dramatically. The collection was from XXXX which was removed earlier this year. I received no documentation validating this debt from the original creditor which is a violation of the FCRA. I would like for this to be removed from all XXXX credit files.