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

( XXXX XXXX XXXX Social Security XXXX : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Public informations Section account opened XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX XXXX XXXX  under the account number ( XXXX ). These accounts have resulted in ( 2 ) fraudulent collections appearing on my consumer XXXX credit report.I do not recognize the aforementioned accounts, The aforementioned accounts, result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are a result of identity theft and fraud.

.DEMAND FOR ACTION : Please remove this inaccurate information from my credit report, Please investigate and delete from my credit report.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address )
Product: Credit card

On XX/XX/year>, Capital One offered a promotion for cash back. The terms listed that if I signed up for a free trial of XXXX, I would receive {$28.00} in cash back. I signed up for the free trial on XX/XX/year> and cancelled the service on XX/XX/year>. On XX/XX/year>, Capital One granted me the rewarded {$28.00} in cash back to my account. On XX/XX/year>, Capital One adjsuted my rewards to remove the {$28.00} with no explanation. 

On XX/XX/year>, Capital One offered a promotion for cash back. The terms listed that if I signed up for a consultation with XXXX XXXX, I would receive {$35.00} in cash back. I signed up for the consultation on XX/XX/year>. On XX/XX/year>, Capital One granted me the rewarded {$35.00} in cash back to my account. On XX/XX/year>, Capital One adjsuted my rewards to remove the {$35.00} with no explanation.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several inaccuracies that are seriously impacting my credit score. These errors include accounts I dont recognize and other incorrect information thats affecting my score and limiting my access to better interest rates and financial products.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1.15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : NAME : XXXX XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRICIPLE IS NOTICE TO AGENT After reviewing my credit reports I noticed that your are alleging that the following accounts are negative without furnishing any proof of verification or accuracy of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As you know it is against the law to report any information not proven accurate.I demand that you provide me with concrete evidence of my obligation to said accounts Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. If you accept my request, I will not escalate this matter to XXXX XXXX. In the case you dont accept the above request, legal action shall be taken against your company for compensatory damages. Thank you for your attention to this matter. 

Sincerely, : XXXX XXXX XXXX All Rights Reserved Without Prejudice
Product: Debt collection

In XXXX I went to XXXX I got out on XXXX.While in XXXX someone stole my SSN # and identity. The people who are using my name and ssn # use a XXXX XXXX address. I've never lived in such a place. Over the years of them using my ID they paid some bills and not others to boost my credit in order to get moore credit. There is a collection for {$3200.00} or around this amount. On my personal credit I owe for back child support while in XXXX and a SUV. Totaling XXXX plus.
Product: Debt collection

I went to pay my rent of XXXX XXXX  only to find out My bank account was frozen due to tax lien against me., in XXXX & in XXXX. I worked in XXXX and submitted XXXX in XXXX I didnt work at all. My husband is main provider as I have been a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United collections XXXX has left me with no money to eat pay rent or take Brother in law to XXXX. This is an unjust Travesty and a hardship! My husband & I hired XXXX XXXX XXXX XXXX  for taxes Lady who handeled our case quit XXXX XXXX XXXX XXXX! During this time we were scammed out of our home & put on the streets on our XXXX XXXX wedding anniversary. Then husband hired XXXX XXXX XXXX, off over XXXX XXXX & XXXXothing! Collection Agency works on a 60 percent percentage, and I was told oh well! They also sent letters to an address I havent been at in years! But they new correct address to freeze bank account? Please We are XXXX  and cant handle losing all in life again, I pray and beg you for help! XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed SOME UNAUTHORIZED INQUIRIES on my credit report. Someone else applied in my name. According to the FCRA, these UNVERIFIED and UNAUTHORIZED inquiries must be removed. 

Name of Credit Bureau : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate inquiries ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate inquiries ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on experian that was paid off in XXXX of XXXX and wrongfully showing the account was still open. Once I disputed it in XX/XX/XXXX they claimed the account delinquent and a payment of {$1000.00} was due since the vehicle was paid off until now. I re-disputed it with the information from XXXX showing the account was paid in full and closed on XX/XX/XXXX. This did nothing. I was then told to send a letter of dispute to XXXX 's dispute center. I sent that XX/XX/XXXX. Nothing has changed on my credit report. This is stopping me from getting into a house and getting a new car. My credit score dived from XXXX to XXXX just from this fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. Listed account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$2.00}
Product: Debt collection

My mother first noticed this on her account and tried to resolve it with the company in XX/XX/2022. The company told her that she needed to submit a roommate cancellation agreement. She did not have a copy as it had been over 5 years and she had moved overseas during that time. I lived there with her and moved out when she did. The roommate is responsible for these charges not my mother and I. She gave them a copy of the lease the roommates manager had signed after we moved showing we were no longer on it. The ledger they sent also shows it was paid in full the month we moved out. The management clearly knew we were gone when they made the new lease offer as we were not on it, but the collections company clearly is scamming us to pay it because they can not get the money from the people that really owe it. Collection Agency was NATIONAL CREDIT SYSTEMS INC Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XXXX XXXX, 2016 I submitted an application for an American Express Platinum Credit Card and I was subsequently approved. The basic terms of the application indicated that if I were to spend {$3000.00} in the first 3 months of having the card I would be awarded XXXX Membership Rewards points. I completed the minimum spend requirement within XX/XX/2016 and XXXX points were awarded to my account on XXXX XXXX, 2016. On XXXX XXXX, 2016 I was informed by an American Express Membership Rewards customer service representative that my rewards account had been frozen and that I would not be able to utilize my points until a review was completed. I was informed the review would take 6-8 weeks. On XXXX XXXX, 2016 I spoke to both an American Express Membership Rewards customer service representative as well as a supervisor and both informed me that my rewards account was still under review and that they had no indication as to when the review would be completed. I stated that it has been more than 8 weeks and that is beyond the terms and conditions of the credit card application that indicated points would be awarded 6-8 weeks after meeting the minimum spend requirement. As of today, XXXX XXXX, 2016 I am still not able to utilize the XXXX points in my rewards account. That number includes the XXXX bonus points as well as XXXX points that were not part of the bonus reward.
Product: Credit reporting or other personal consumer reports

Subject : Request for Reinvestigation and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/year> ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to dispute accounts with the 3 credit bureaus. The accounts in question were reported incorrectly and some do not belong to me. Each time I have disputed the results are the same-no change, and they stated that the information is verified, however, I have personally emailed and even spoken on the phone with the CEOs or their assistants to get information on the accounts in question. After their investigation, which took days of research, they told me they are able to find the accounts in question and that there is not even any proof that I had accounts with them. So I can not understand how these credit bureaus can claim to verify information that the CEOs themselves can not validate. I have never received proof that these accounts are mine or being reported correctly. It is frustrating when these credit reporting agencies hold your financial life in their hands and they can not be trusted to do what they are there to do. The accounts in question are : XXXX XXXX XXXX- Account was opened XX/XX/XXXX and closed XX/XX/XXXX It had a credit limit of {$200.00} ( no account # listed on all 3 credit reports ) XXXX  XXXX XXXX- Account opened XX/XX/XXXX and closed XX/XX/XXXX. It had a credit limit of {$600.00}. No account # listed ( XXXX   Only ) XXXX XXXX XXXX Account opened XX/XX/XXXX and no mention of when it was closed. Last activity was XX/XX/XXXX with a high limit of {$1000.00} and a balance of {$0.00}. No account # listed. ( XXXX  only ) Rise- Account opened XX/XX/XXXX and closed in XX/XX/XXXX High balance of {$1500.00}, no account # listed ( XXXX  and Experian ) - Sent to collections XXXX XXXX I have disputed several times with no validation sent to prove this is my debt. ( All 3 bureaus ) XXXX- No account number listed. No mention of dates opened. No proof sent to me that this was my debt or why it is in collections. I have disputed several times. ( All 3 bureaus )
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! Attached you will also find my ID, and Proof of Address with my most recent bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some errors in my Experian credit report, as the reporting standards were in violation of XXXX Compliance. I informed Experian of the discrepancies on XX/XX/XXXX. As of today, XX/XX/XXXX they have not responded to my letters.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 furnishan 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 adverse item of information, other than records of convictions of crimeswhich 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

XXXX Bank of America supplied loan for vehicle. 

XXXX I sent a letter for Debt Validation. I requested validation of debt, verification of claim, and a copy of the contract signed by both parties. 

XXXX Bank of America agent signed green return receipt. No response to my letter was provided. 

XXXX Second Request for Debt Validation. Requested all previous documentation plus an invoice for violations of 15 USC 1605, 15 USC 1681, and 15 USC 1692. Suspicious Activity is suspected due to their refusal to provide requested documentation. No validation of debt or verification of claim. I requested payback of the full amount of the loan. 

XXXX Bank of America agent signed green return receipt. 

XXXX Bank of America sent letter stating that they are not subject to the Fair Debt Collections Practices Act. They determined that the contents of my letter were without merit. They used obscene and profane language by stating that they reserve the right to exercise any and all rights and remedies. Furthermore, they threatened to not respond to further correspondence on this matter. 

I remained in honor by making payments on this account throughout this entire process.
Product: Debt collection

Phoenix Financial is unlawfully changing the amounts of debts that have been removed from my credit and resold. They are denying that they are inaccurate. I have received two charges of the same debt from them. I called the creditor and the employee told me that XXXX is their client and admittedly verified what I knew. My dispute with the credit reporting agency was denied as well as the my dispute with the company.
Product: Debt collection

On XX/XX/2021 I sent out an Affidavit of Truth to CREDIT COLLECTIONS SERVICES which has been ignored. I've sent out a Notice of Default and Opportunity to Cure with hopes to get my issue resolved.
Product: Debt collection

I want to contact Comenity Bank through this channel because I dont know what else to do. In XXXX went to forever 21, this company offered me a discount, I had no idea he was applying for a credit card, I thought it was a store discount card, and gave them my credit card to charge, but they ended up putting it on the Forever21/Comenity card. 

Also, during Covid, I was stuck being out of California and couldnt travel back home to check my mail. When I came back I saw bills from Comenity but the front of notices always showed Comenity and not Forever21, so I thought this was all junk mail and I found out when I got an alert from my credit report that the score had plummeted. 

This was an unfair situation, since I was not even aware of what they did. This is a violation to my rights as a consumer. I have suffered many financial and emotional damages because of their actions. All I want is the item to be removed from my reports. 

The account information is the following : Account # # XXXX Date Opened XX/XX/2020, High Credit {$300.00}, Credit Limit {$150.00}
Product: Credit reporting or other personal consumer reports

I checked my XXXX XXXX and Equifax credit report noticed inaccurate closed accounts information. I contacted the three major credit bureau 's and asked them to remove these closed accounts. XXXX XXXX  credit card with a balance of {$740.00}. XXXX that's reported on my XXXX that's not accurate with the XXXX XXXXXXXX account balance of {$720.00} on XXXX credit report also Equifax credit report since they're obviously inaccurate balances and dates reported on XXXX different closed accounts the second one is XXXX XXXX again with a balance of {$320.00} on my XXXX credit report but {$320.00} on my XXXX and {$320.00} on my Equifax credit report so also not accurate across all Three major credit bureaus. The XXXX closed account is XXXX XXXX credit card on my credit report shows a balance of {$670.00} on my XXXX credit report and {$600.00} on my Equifax credit report so there for that's not accurate as well.