23daVinci/CFPB_Complaints huggingface dataset:
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. 

List of Unauthorized Inquiries : XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX 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 or other personal consumer reports

I requested Equifax to delete incorrect information in my credit report an account that they have listed as collection. The account was paid and closed. Equifax is still reporting it as a collection on my credit report and this is causing a unnecessary and unfair hardship for me. They are Violating the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year> I sent several dispute letters to all XXXX credit bureaus ( XXXX, TransUnion, XXXX ) in regards to multiple fraudulent accounts negatively affecting my credit ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) that were a result of identity theft due to a data breach and they did not remove the accounts. According to the FCRA code 1681 15 USC The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that Equifax credit Bureau reported the same account in my credit report which is incorrect when I reviewed it. The bureau requires to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

I disputed the " collection '' on XX/XX/year>. It was not solved, niether was I provided any information on how this collection was accurate. XXXX has not deleted this information and said they have just closed the dispute without telling me the actual facts of the dispute. USC CODE 15 1681 SAYS I have a right to accurate credit reorting and if this is not delted i WILL BE FILING A LAWSUIT TO GET IT REMOVED. tHIS NEEDS TO BE REMOVED immediately. If it does not get removed. XXXX and PRO COLLECT WILL BE GOING TO COURT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get information from this company about unknow account. I have never heard of this company or open up any account with this company. I sent Certified mail to this company and all three to all three Credit Bureau XXXX, XXXX and Trans Union. XXXX and XXXX remove both unknow accounts from there reports after investing the problem. Trans Union have not done anything at all no letters no emails or calls. The collection Company is XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX. this company is reporting on my credit report like recently on up an account. it's been a couple years now and they have sent not single document no response at all making up account open dates all kind of illegal things, on my credit report both don't have a account number that's crazy and illegal
Product: Debt collection

On XX/XX/2021, the Moore Law Group threatened to sue on a debt that does not appear on my credit report. After 10 or more years, I have no records to suggest that the debt went unpaid. The amount the threatened to sue for us {$1900.00} and I retained a copy of the letter sent with their empty threat to file a lawsuit.
Product: Bank account or service

I mailed a certified USD XXXX check to BBVS Compass ( where Simple ) holds their accounts. It was delivered by XXXX and signed for. In the meantime they lost the check and have not deposited the amount, and does not respond to inquiries about the status of the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX SQ XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX BANK XXXX Balance : - Bankruptcy chapter XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX SQ XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  - XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX SQ XXXX XXXX XXXX, VA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

My loan was transferred or sold to BSI in 2018, Ive experienced nothing but inaccurate information from day one. BSI lose payments, escrow, etc when your bank statements show theyve been paid. All of their agents give you different information concerning your account. BSI constantly show your account in default status when your bank show payments have been processed. BSI constantly charge you late fees, NSF fees, property inspection fees, non existing fees to name a few. Ive tried tirelessly to work with this company to no avail. PLS HELP. 

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

I am filing this complaint because I have instructed Experian in writing to delete several false and misleading Trade lines from my consumer report.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding Experian 's and Transunion failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

The inaccurate accounts in question are as follows : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Experian and Transunion has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors.

This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ].

I am requesting the following actions from Experian and Transunion through the CFPB : 1. Conduct a proper and thorough investigation into the accounts l 've disputed.

2. Provide me with a detailed explanation of the steps they've taken to verify or correct the information.

3. Remove any inaccurate or unverifiable information from my credit report immediately. I am attaching all relevant documents, including dispute letters, Experian 's and Transunion responses, and supporting evidence, to this complaint for your review. Thank you for your assis
tance in addressing this matter and ensuring that Experian and Transunion complies with federal laws to protect consumers like me. 
Sincerely, XXXX XXXX
Product: Debt collection

THE COMPANY IS ATTEMPTING TO COLLECT DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION ON TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXXSecond Round LPXXXX XXXX XXXX XXXX XXXX, Tx XXXXXX/XX/2019Re: Acct 01 XXXX XXXX		Dear: Second Round LP   	You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX
Product: Prepaid card

I received the Amex Reward Card as part of a promotional payout from the website XXXX in the amount of {$53.00}. 

I tried for several days to use the card at several large online sites including XXXX, XXXX, and XXXX. It has not worked and just continuously gets rejected. I tried at offline sites as well and was also rejected. 

Everytime I call Amex customer service I am told to try agan in XXXX hours. I am also told that they are aware the card is being blocked at large online sites and that it is a temporary situation. 

The amount of time and effort this requires prompted me to search online to find out that this is a common problem that has been going on for over a year.
Product: Debt collection

I received a hit to my credit account of a charge of XXXX dollars from LVNV Funding XXXX XXXX XXXX XXXX XXXX ( Financial ). This account does not belong to me and is affecting my credit. I do not own this account and have no reference for the accounts existence.
Product: Credit card or prepaid card

On XX/XX/2021, I used citi bank ATM machine to make a payment of my citi bank credit card outside of the bank which is located in XXXX XXXX XXXX XXXX XXXX XXXX, CA at XXXX. I put XXXX dollar bills ( total amount is {$460.00} out of {$1000.00} : I planned to make a payment of {$1000.00} so I put some amount of cash first ) in ATM after that, suddenly the transaction was closed without payment confirmation. The receipt said " I am sorry. Due to quality issues I can not accept one or more of your bills. Because technical problems, I can't return your cash right now. '' That means, there was ATM technical issue. ATM ate my cash without payment. Right after that happening, I went into the bank and I explained it to ask for returning my cash. However, they said they can not do anything and suggested to wait until tomorrow without any confirmation. So I asked to call customer service to dispute this issue. I was talking with a banker, XXXX XXXX. XXXX and her phone number is XXXX XXXX XXXX. As of today, there is no solution or any action from Citi bank. I am afraid I may loose my money. Please investigate this issue ASAP to protect a consumer rights. 
I attach the receipt and screen captures of the ATM machine to prove there was issue when making a payment.
Product: Debt collection

Cavalry Portfolio Services its being reporting a debt I dont own! To the three credit report agencies XXXX, XXXX and XXXX  When asked for contract proof with my signature every time I received nothing just came back verified but not proof that in fact the debt is mine am been disputing this collection since XX/XX/2019 and every time I dispute it the dont send me any proof and keep reporting to the credit bureaus I want the outcome of this to be deleted from all three mayor credit bureaus above as what this company is been doing is affecting my credit that am trying or in the process to buy a house!
Product: Credit reporting or other personal consumer reports

I NEED YOUR HELP! Please I have been instructed by my advisor to write a letter to you since I am a XXXX XXXX XXXX XXXX 
I don't want to be a bother but I am in a desperate situation since I am trying to get my life back together after being involved in XXXX XXXX. 

The Accounts that I put below are due to XXXX XXXX  : Please remove these accounts so I can start taking steps to getting my life back together. Thank you so much for assisting me and offering these resources to survivors like me. 

ACCOUNTS THAT ARE FRAUD DUE TO XXXX XXXX  : 1. XXXX XXXX 2. XXXX XXXX XXXX - Auto Loan 3. XXXX XXXX XXXX- Auto Loan 4. XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Lockhart and XXXX XXXX has toppled my XXXX XXXX to the ground with amounts Of debt I couldnt never owe them. And judging by the dates I wasnt in the hospital and let alone received that outstanding debt. This is ridiculous, this is all false on both ends. And I can not build wealth with that type of debt I didnt make of my credit. Its mind blowing. I need to talk to some one to get this situation under control. Or I will take legal actions. I need help getting this off my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE VARIOUS ACCOUNTS THAT ARE NOT FACTUAL AND REPORTED IN ACCURATELY, I WANT THESE ADDRESSED ACCORDING TO THE LETTER ENCLOSED
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Mortgage

I have been trying to work with my lender and I have not been able to get the help I need. I even have my counselor who has been helping me throughout this process and they continue to ask for more documents. Each time when I think that they are done with my review they ask for something and we start all over again.
Product: Checking or savings account

In or around XX/XX/year> a {$25000.00} Check from XXXX was deposit into a Trust account for XXXX XXXX XXXX at South State Bank in XXXXXXXX XXXX  This check was written out to " XXXX XXXX XXXX XXXX XXXX XXXX. '' These funds were released to XXXX XXXX XXXX without my proper authorization or endorsement on the back of the check. Your bank should be held responsible for the improper negotiation or this check and release of these funds.
Product: Vehicle loan or lease

Monthly payments are not being applied according to contract, additional principal payments are not being applied to principal as requested. Some schedule payments are being applied as interest payments only. Some additional {$100.00} payment are being applied as interest and principal payments. Spoke with C/S rep. she told me that payments are being applied according to the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of ( XX/XX/XXXXXXXX XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond within 35 days of my letter. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 10 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and removed immediately, following failure to verify, deleted from my credit report as soon as possible : 1. Other information I would like changed, XXXX XXXX XXXX, Account Number : XXXX, please remove immediately. 

2. Validate Account : XXXX, Account Number : XXXX Please investigate and delete from my credit report. 

3.VALIDATE ACCOUNT : XXXX, ACCOUNT NUMBER : XXXX, PLEASE REMOVE IMMEDIATELY 4. VALIDATE ACCOUNT : XXXX XXXX XXXXXXXX XXXX : ACCOUNT NUMBER XXXX, PLEASE INVESTIGATE & REMOVE ASAP 5. VALIDATE ACCOUNT : XXXX XXXX XXXX. ACCOUNT NUMBER : XXXX. PLEASE INVESTIGATE & DELETE ASAP 6. VALIDATE ACCOUNT : XXXX XXXX. ACCOUNT NUMBER : XXXX. PLEASE INVESTIGATE & DELETE ASAP 7.VALIDATE ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX. PLEASE INVESTIGATE, & DELETE ASAP 8. VALIDATE ACCOUNT : XXXX XXXX XXXX. ACCOUNT NUMBER : XXXX The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law you had thirty ( 30 ) days to complete your investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX SS # XXXX
Product: Credit card or prepaid card

Called Capital One on XX/XX/19 to discuss the credit card limit on the XXXX  and Platinum card accounts. Was told by one rep that he was transferring me to the dept that would manually review my accounts for more credit limit. After being transferred numerous times and placed on hold for over 1 hour, was told that manually reviewing an account is not an option. Called on XX/XX/19 and spoke to an account specialist that refused to begin an investigation process of why one rep said that the account would be manually reviewed and another stated this was not an option.
Product: Credit reporting or other personal consumer reports

XXXX is inaccurately reporting I owe a {$1500.00} balance on this account. They also are reporting they have charged off this account. They have not provided me a 1099-C for IRS filing purposes yet continue to report month after month that I owe a {$1500.00} balance to this company. This is inaccurate. The credit bureaus are still inaccurately reporting this information monthly as well thanks to XXXX even after I keep asking them to re-investigate this inaccuracy. This negative item does not meet the FCA reporting requirements. This is a direct violation of the FCRA. I demand they remove the inaccurate information from my credit files per 15 USC 1601 and pay me {$1000.00}. per law for the problems this is causing me with potential new creditors.