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

To your company ( I am requesting THE METHOD OF VERIFICATION ) I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED FOR DELTION AND UPDATE EACH ACCOUNT THAT IS SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY TO PAID ON TIME/ NEVER LATE IMMEDIATELY. ( YOU HAVE 15 DAYS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against TransUnion disputing these unknown inquiries. I have sent certified letter. I have no knowledge to the below inquiries therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 
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 I wish to see the original sources of the information reported including the original documents authorizing such inquiries with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. I have attached a copy of my driver license and social security card.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction regarding uN AUTORIZED INQUIRIES IN MY REPORT This situation constitutes a breach of contract and potentially violates15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer report the Fair Credit Reporting Act ]. I demand immediate rectification of this matter. I insist on Deleting and require a written confirmation of the resolution within. Failure to address this matter promptly will leave me with no choice but to initiate legal proceedings to enforce my rights and seek appropriate remedies, including but not limited to damages, injunctive relief, and legal costs. 


XXXX  - inquiries XXXX. XXXX Inquiry date XXXX XXXX, XXXX ( DID NOT AUTORIZED HAVE NO KNOWLEDGE OF THIS INQUIRY ) XXXX. XXXX XXXX XXXX - Inquiry date XX/XX/XXXX, XXXX NOT AUTORIZED HAVE NO KNOWLEDGE OF THIS INQUIRY ) ACCOUNT NUMBER XXXX XXXX  ACCOUNT IN- ACCURate have no knowledge of this account Account number XXXX XXXX HAVE NO KNOWLEDGE OF THIS ACCOUNT Account number XXXX XXXX XXXX HAVE NO KNOWLEDGE OF THIS ACCOUNT Transunion - XXXX XX/XX/XXXX DID NOT AUTORIZED XXXX XX/XX/XXXX DID NOT AUTORIZED
Product: Checking or savings account

XX/XX/year> my card was stolen and used for XXXX in purchase first they only let me file XXXX dispute for the amount of XXXX Then when I tried to file a dispute on the rest of the charges they didnt let me they locked my account for review filling that review they said after the review I will be able to file a dispute on the rest of the funds the process took XXXX just for them to close my account for nothing and they didnt want to cover the fraudulent transactions that are fdic insuranced XXXX closed my account cause they didnt want me to get my money back from this institution i have no problems with them till I filled a dispute on my money that was stolen XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont believe they did any investigation on this case at all considering they stole my money at a bank on camera and grocery store and gas station if this claim was investigated it was proved my claim of my money was stolen XXXX XXXX day my account my locked XXXX  XX/XX/year> my account was closed under false accusations.
Product: Credit reporting or other personal consumer reports

I sent into Equifax, XXXX and XXXX  letters for accounts on my report for debt validation. Per 15 USC 1692 C I have not received a response in over 30 days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Portfolio Recovery in XXXX and XXXX of XXXX AND due to them providing personal information to 3rd party Companys, XXXX XXXX, XXXX, and XXXX they have been providing false information and account information. They are in direct violation of the Privacy act of 1974. This information provided is negatively affecting my credit report I have disputed this with the credit bureaus for accuracy of reporting as well. This company is in direct violation of 15 U.SC 6801-6805 & 16 CFR 313.1 and U.S.C 1681 ( b ) No opt out notices were giving in regard to summiting non accurate information. This Debt was previously charged off by the original creditor XXXX XXXX. I do not have a contract with this company they also have not provided me with goods and services. This Debt was a charge off from prior creditor letter from them is attached.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally demand the immediate removal of several hard inquiries listed on my credit report. These inquiries are inaccurate and were not authorized by me, and they are negatively impacting my credit score : Inquiry from XXXX XXXX on XX/XX/year>. I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/year>. There are multiple inquiries within one day of each other on my credit report, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX on XX/XX/year>. There are multiple inquiries within one day of each other on my credit report, but I only authorized one of them. Please remove all these unauthorized inquiries immediately. 

Inquiry from XXXX XXXXXXXX on XX/XX/year>. 
My credit report shows multiple inquiries all within one day of each other, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/year>. 
My credit report shows multiple inquiries all within one day of each other, but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year>. 
My credit report shows multiple inquiries all within XXXX day of each other, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XX/XX/year>. 
I am a victim of identity theft, and I never authorized this inquiry. 


Under the Fair Credit Reporting Act, I have the right to dispute any incorrect or unverifiable information. I have already initiated this process through your online portal, but the lack of timely action is unacceptable. I expect you to act promptly.
Product: Debt collection

On XX/XX/22 I received a request for payment from TRS Recovery Services XXXX Inc for {$120.00} for a purchase made at XXXX XXXX XXXX XXXX paid for by check # XXXX ( Dummy check # ) Drawn from an account at XXXX XXXX XXXX XXXX XXXX XXXX, MO contacted XXXX XXXX XXXX XXXX XXXX no account found with my name. TeleCheck Services verified the check at point of purchase ( unbelievable ). I contacted XXXX XXXX XXXX XXXX XXXX , to investigate the matter at, XXXX ( XXXX ) XXXX, never heard back from them. I contacted TRS Recovery Services XXXX Inc. and received a dispute form which I completed and mailed it back to them. On XX/XX/22 I received a TRS Forgery/Identity Theft Declaration, completed it and mailed it back to them along with all the information I had found to substantiate my claim of fraud/identity theft. The information regarding this matter was given to me by TeleCheck Services, XXXX ( XXXX ) XXXX and XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX and through my own investigation.
Product: Debt collection

Lvnv funding which is debt collectors accessed my credit report without my permission according to 15usc 1681n they violated my rights 3 times and must pay me per each violation by accessing my credit report they must pay XXXX for each totaling XXXX and must remove negative items from my credit report they also bought debt that was charged off in which they failed to show me actual paperwork bearing my wet signature
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, one of the major credit reporting agencies, for apparent violations of the Fair Credit Reporting Act ( FCRA ), specifically in relation to the accounts listed below. I have provided all the necessary details for your investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my request for TransUnion to reinvestigate the accuracy of the information on these accounts, they have asserted that everything is complete and accurate. However, I wish to bring to your attention that the open date, date of last activity, and other crucial details on these accounts are inaccurate. This raises serious concerns about the accuracy and integrity of the information provided by TransUnion, which directly impacts my creditworthiness. 

As per 15 U.S.C. 1681i ( 5 ) of the FCRA, TransUnion is obligated to modify accounts that are not reporting information correctly. It appears that TransUnion has failed to adhere to this statutory requirement by dismissing my concerns without adequately addressing the inaccuracies present in the reported information.

Furthermore, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall not furnish any information to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. It is my belief that the information furnished by TransUnion is indeed inaccurate, as evidenced by the discrepancies in the open date, date of last activity, and other pertinent details on the listed accounts.

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against TransUnion if violations of the FCRA are confirmed. Additionally, I would appreciate any guidance or assistance you can provide to rectify the inaccuracies in my credit report and ensure compliance with federal consumer protection laws.
Product: Mortgage

I started the refinance process on XX/XX/2020. I talked with Mr. XXXX XXXX, NMLS ID XXXX, XXXX. I was told that all my papers were in order and I had a above average credit score.  Almost 4 months later I still have not closed. I have a existing mortgage with Mr. Cooper for the last 15 years. 

The last person I talked to was Ms. XXXX XXXX, Loan Officer, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Texas XXXX, XXXX. During the last 4 months I was told that my refi was held up due to COVID 19. My interest rate went up from 2.7 to 3.1 %. I was told by Mr. XXXX that he would work to get it back down to the original rate and the bank would have to pay the {$4000.00}. 

On XX/XX/2020 I was asked to send my bank statements with a header showing my name. I had already submitted bank statements 4 mths ago but now they say they need my name at the top for the underwriter. It has been delay after delay. I have been told that refinance does not usually take this long. 

I would like someone to contact these people on my behalf. I feel I am due some sort of compensation for all the stress that I have been under.P XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX Mr. Cooper Loan No. XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing with Experian for over XXXX years on a specific account reporting on my credit fie with them. They illegally reinserted this account back on my credit last year as well. I have asked for debt validation and verification from Experian and I have never received anything from them about this erroneous unverifiable account. The account in question is an account that is fraudulent from XXXX XXXX XXXX. I have never done business with them or any company associated with them. It was for an online loan that was fraud. I have sent the police report and FTC report multiple times to Experian and XXXX XXXX XXXX multiple times in the last 24 months. Experian had an attorney call me stating they would never remove this account and see you in court. I have consulted with a law firm and am willing to go to court if that's what this takes. This is a last chance effort on my part to clear this up with Experian. I have been a victim of the XXXX XXXX XXXX and XXXX other data breaches, my personal identity was stolen in XXXX home invasions back in 2012 and at any given moment my Identity is stolen. It is like a second job trying to keep up to date accurate reporting with the credit bureaus. The same account has been deleted from XXXX, XXXX and XXXX. The recent CFPB lawsuit against Experian explains why this item is still on my credit. Willful negligence has been going on with Experian not investigating anything. At this point, Experian might as well pay me for punitive damages and delete any negative against my credit file. I am done playing games.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to report that I am a victim of identity fraud. The following accounts were fraudulently opened in my name without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, the address XXXX XXXX XXXX was fraudulently associated with my identity and does not belong to me. I did not consent to the use of this address or the creation of the above accounts. I kindly request an investigation into this matter and assistance in resolving the fraudulent activity. Please let me know if you need further information or documentation to support my case. Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is preventing me from submitting a dispute online. Equifax has also blocked me from creating an account online to submit disputes, check status of disputes, or access my credit report. I have called numerous of times and been given the run around. I believe Equifax is retaliating against me because I have reported them to the CFPB. 
In addition, Equifax is reporting the following accounts incorrectly which is impacting my ability to purchase a home : Collection Account is listed on my credit report for a paid medical bill incurred by my ex-husband for our child. 

1. Collection Account - XXXX XXXX XXXX XXXX XXXX ( Paid ) I've repeatedly disputed the reporting of this account. This collection account occurred as a result of health insurance not covering the charge incurred by my ex-husband. I am the primary on the health insurance only. Please remove it. 

Additional Inaccurate Reporting : Balance incorrect for the following accounts - 1. XXXX XXXX XXXX XXXX - {$2000.00} ( Acct # XXXX ) 2. XXXX XXXX XXXX XXXX - {$1000.00} ( Acct # XXXX ) 3.  XXXX - {$0.00} 4. XXXX XXXX XXXX XXXX XXXX - {$0.00} 5. XXXX - {$0.00} 6. XXXX - {$0.00} 7. XXXX - {$0.00} 8. XXXX - {$0.00} Unauthorized Inquires ( PLEASE REMOVE ) XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX
Product: Checking or savings account

My whole life was stolen this year. My social security number, my car, my house, everything I owned. I had 3 phones in my car when stolen, linked to my cash app account. My phone was got into, and money was sent and spent that was not me. That was fraud and I should not have been charged for being a victim of theft. My balance then went negative yet I had money ( {$200.00} ) in my savings account. Cash app will not let me get my balance, because they want me to pay that {$280.00} Im negative from when my stuff got stolen. They will not help me with disputing any of these transactions and have failed as a business. I have already paid multiple fees and things on my cash app that I unfortunately had to take the loss for, resulting in my missing out on money before the other {$280.00} was taken out and Im still going through hardships due to losing everything. Sorry I can not pay cash app because my money was fraudulently spent. Cash app has poor security services and is absolutely no help when In a financial hardship.
Product: Debt collection

I found some fake accounts on my credit report. Theyre impacting my ability to get credit. Can you remove them?
Product: Debt collection

I have written Santander Consumer USA and I have asked them to first validate a debt they are alleging I owe. Also I have noticed that they are trying to collect a debt in the state of North Carolina without the proper permits. I have contacted them on three occasions and they have not validated the debt. Also they say permit # XXXX Is valid in North Carolina but as you can see with attached they are not valid.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft fraud credit inquiries XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX No date XXXX XXXX XXXX XXXX/XXXX/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: Money transfers

Paypal restricted my accts after i provided initial documents. Their now infringing on my privacy I 'm a XXXX and I use Paypal for my XXXX. Recently, XXXX decided to send payment via Paypal. Paypal restricted my account and I asked for me to provide documents to support this transaction. They requested, " Invoices, contracts, description of services, & tracking numbers " I provided all documents, accept a tracking number. I called and provide the representative in the merchant department an explanation with regards to not having a tracking number. I 'm a XXXX, I XXXX, therefore there is NO product to be delivered. The agent complied with me, I was told that a note would be made on my account and to expect a resolution within 24-48 hours. 
The documents were sent in on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX far past the time as stated on Paypal 's resolve time line, I was sent a email. In this email response I was told : " We have reviewed your account and unfortunately can not lift the limitation at this time. " Paypal now wants me to provide the following : * six months bank statements * contract copy of the Asset Purchase Agreement dated XXXX/XXXX/XXXX In the initial contract that I provide Paypal. It 's a contract between myself XXXX XXXX & XXXX. It states that " buyer shall pay to XXXX a XXXX % fee based upon all funds received from banks or other sources for the financing of the transaction ''. 

I do not get paid until my job is completed and the client is satisfied. 

Paypal is infringing on my privacy, their asking me " For copies of my contract between myself and my client, " Asking for Purchase Agreements between myself, the financing bank and the client that exist OUTSIDE of this disputed transaction " " asking for my additional bank accounts that have no connection with my paypal account. 

My clients have been forced to pay higher rates to process payments to me. 


This is an infringement on my privacy. These are predatory practices and they should be put to an end immediately. 


XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, XXXX my debit card was stolen and i had {$1000.00} stolen from me by Unauthorized ATM Withdrawals. 

Today XX/XX/XXXX another {$970.00} was stolen via ATM. 

I filed a fraud claim with Wells Fargo through the Online Banking system they have setup, i would like to file a Regulation E claim on these transactions as they are unauthorized from a stolen debit card.
Product: Debt collection

Today I checked my credit report, and there was an unknown medical collection from FBCS Inc, account number XXXX. I have never heard of this company, I have never received any information pertaining to the bill or collection in question. I have no idea what it is from, or where it came from. My credit report says that this is a medical collection that was assigned on XXXX. FBCS, Inc. had plenty of time to send me a " debt validation notice '' prior to inserting this onto my credit report, but has failed to do so. 

FBCS lists the original creditor as XXXX. I have never opened an account with XXXX, nor have I ever received a bill from them. Nor did I ever receive any communication from FBCS. INC. My address is listed on my credit report yet they never sent me a " debt validation notice '' prior to reporting these accounts to the CRA 's like they are required to by law. FBCS XXXX failure to send the Debt Validation Notices to me prevented me from exercising my legal right to request debt validation of the alleged debt at the outset. Since I have never received one they are in violation of Section 809 ( a ) the FDCPA, 15 U.S.C. 1692g ( a ). 

Under HIPAA privacy laws FBCS. INC. should not have any of my personal medical information, unless they have a " written '' agreement with their " client '' that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. XXXX. They also have to provide an agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 

I am not pleased with the federal bond and collection, they have failed to attempt an explanation of my " supposed debt. '' I would like this removed immediately from my credit report, and for the company to never contact me. This practice of not contacting and ruining someone 's credit is unjust.