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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Checking or savings account

I live out of the country but maintain a US account as I intend to return eventually. Recently I received a notification that my account was in danger of becoming inactive, so I followed the instructions and made a transaction ( note there was no guidance on minimum size or number of transactions required ) Following this, I received another notification, so I called the bank to confirm that my transaction was valid, which they did verbally including stating explicitly that I need not do anything else. I inquired about he second notification and they simply said that their systems have not been updated but they will do so immediately. I asked for confirmation, ideally a letter, which they refused to provide. I then requested they make the notation in their XXXX tool, which they agreed to do. Most recently I reviewed my account and realised that they had closed the account and sent the funds to the state, exactly what they said they would not do. Upon calling them, they said that the information provided last time was wrong. They have referred me to the XXXX website however I can not locate my details in the database so I have no idea where my money is now.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX  XXXX TCC XXXX XXXX XXXX XXXX APPLIANCES XXXX XXXX XXXX BANK OF XXXX XXXX XXXX XXXX BANK CAR XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CRED XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ML XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I was unemployed and missed two payments with this bank on each of my three cards through XXXX XXXX. I made payment arrangements with them for each card. The agreement with them as they stated would also remove any and all associated late fees and added interest for the balance of the cards at the time I scheduled the payment plans for each card as long as each payment was paid as agreed. After the first payments things were paid as my agreement, however payments were never reflected through reporting agencies or balance on cards. I noticed that payments were setup on a temporary account for my first payments on the payment plans. I called in to correct the account to make the withdraw of my next two payments and was told I was all set. Next payment that they tried to withdraw was not processed because they still had n't updated it as requested over the phone and in confirmation from the CS representative. So now all three accounts are even further past due, more collective interest and I 'm over my balances because of all their accumulation of charges NOT MY PURCHASES! This is vastly affecting my ability to get my good credit back and rendering me seemingly helpless getting a better position for work due to my obliterated credit score. This has been going on for weeks and I do n't trust making another payment, updating my information and wasting money that will never apply.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I request all collections to be deleted off my credit report because of selling my debt to a 3rd party and my information
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> 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 personal credit card accounts opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the 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, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX  Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX  XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX
Product: Student loan

I have a XXXX loan that has a XXXX dollar balance remaining. Meaning I have NO  balance. Even if I did have a balance, loans have been paused by the government for the last 2 years. Despite both of these things, Aidvantage is showing my loan in default. I contacted Aidvantage last week as I can not access ANY of my loans on either Studentaid.gov or Aidvantage due to this default status. I was told the default status would be cleared within 24-48 hours. It is 7 days later and the status has still not been cleared. I have since made 3 additional phone calls which have resulted in more than 1 hour on hold waiting for a service representative and have still not been able to get back in contact with Aidvantage. This needs to be fixed immediately and also reported properly to the major credit reporting bureaus as well, as this default status has had an enormously negative effect on my entire financial portfolio.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference cfpb-XXXX, XXXX XXXX  states : Our records further reflect that the account has been reported current since service transferring to XXXX and our records do not reflect that any correction or update to credit reporting has been required. If there is a specific report which you are concerned regarding the reporting, please provide the report so that we may review the allegations you are presenting. 

XXXX refuses to update that status they report as current, to the credit reporting agencies. It is disingenuous to infer they do not know the report I am referencing since the only entity that can report to the credit reporting agencies is XXXX. Experian does not arbitrarily report an account as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone ran my credit today, XX/XX/2022 from a different state for appliances. I DID NOT apply for credit anywhere today! Especially in Texas. I'm getting the run around from the company- Conn 's Appliances in Texas XXXX This is a " buy here pay here appliance store. First they said their systems are down and to call in a few days. I called back and the transferred me to their Fraud department- I was immediately disconnect. I call back, they sent me to the fraud dept again and the phone rang for 3 straight minutes with no answer, no voicemail etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has already been effected for 7 Years, since XX/XX/XXXX because of this collections agency for a bill that isn't even mine. Now they rereported last month to effect my credit another 7 years. 
CLLCTIONSUSA : XXXX XXXX XXXX XXXX. 

I have own my own home since XXXX, multiple homes in fact. I rent properties out. I do not have use for an apartment. 
You can bet I will now be contacting EVERY NEWS STATION to report on this situation that XXXX XXXX XXXX XXXX  is nothing but a swindling company. 
Along with CLLCTIONUSA for their inhumane and illegal practices
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXXXXXX  15 U.S.C, 1681section 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 an 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 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 hope this letter finds you well. I am writing to dispute a credit inquiry conducted on XX/XX/2024, related to an automotive transaction at your dealership. 

During my recent visit to XXXX XXXX XXXX XXXX XXXX did not authorize a credit inquiry beyond the terms of my prequalification offer. However, an inquiry was conducted without my explicit consent. 

To address this issue, I kindly request the following actions : XXXX of XXXX : Please provide documentation demonstrating my authorization for the credit inquiry conducted on my behalf. 

Removal of XXXX XXXX : If it is determined that the inquiry was unauthorized, I request the immediate removal of this inquiry from my credit report. 

Preventative Measures : Implement measures to ensure that all credit inquiries are conducted only with explicit customer consent in the future. 

I appreciate your prompt attention to this matter and request a resolution at your earliest convenience. Please contact me at the above-mentioned phone number or email address if you require any further information. 

Thank you for your cooperation in resolving this dispute. 

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

I had a secured credit card with XXXX XXXX .the card began not to work and I had over paid the card so the bank owed me a balance on the card. They then proceeded to charge me with late fees while owing me money on a malfunction card.the contract stated a review after a year to turn into a u secured card. They continued to put it off after I asked multiple times after a year. They breached their own contract in multiple ways and therefore we should gone into arbitration and not charge off status or reporting to me credit. This is securities fraud on their part and evading their fiduciary responsibility. 


There is incorrect information on my credit report I sent a debt validation letter, certified mail to key bank on XXXX XXXX and also a method to verification letter on XXXX XXXX to all XXXX credit reporting agencies and received nothing back from anyone. Also I sent a metro 2 dispute letter on XXXX XXXX to all XXXX credit reporting agencies certified mail, showing the inaccuracy and difference in all reports.Equifax and XXXX have continued to ignore me and report inaccurate information, under 15 usc 1666b timing of payments this information should not be reported in the first place and also under 15 U.S. Code 1681b - Permissible purposes of consumer reports I was never provided proper documentation to verify this information.under 15 u.s. Code 1681 the information has never been verified and must be removed under the fair debt collection practices act. This is also a violation on the 1974 privacy act I do not consent and opt of of this information 15 usc 6802 opt out,. 12 United States Code 1001.17 cfr opt out.also a violation of the fair credit reporting act
Product: Credit reporting or other personal consumer reports

XXXX Account Number : XXXX - Please delete because of inaccuracy since the dates last activity is shown differently on the report ; XXXX shows XX/XX/2022, XXXX claims it was XX/XX/2022 while Equifax reports XX/XX/2022. Additionally, this charge-off account shows a {$440.00} balance. The balance should not be reported after it was a charge-off. This is clearly inaccurate. As per 15 U.S. Code 1681e, consumer reporting agencies are required to take reasonable measures to ensure the highest level of accuracy possible when preparing consumer reports. This means you must employ proper procedures to minimize errors and ensure that the information pertaining to the individual in the report is as accurate as possible.
Product: Mortgage

Mortgage with XXXX was sent to shellpoint mortgage services as known as resurgent. They tacked on frivolous charges ( service ) and could never explain basis for them. I did modification in 2013 with them that took forever because they kept losing the package. Finally I was supposed to get a XXXX for 2013. I have a letter stating they will provide said document but I have yet to receive it. I keep getting runaround because they are lying ( stating request never put in, different date for XXXX, saying never produced by them )
Product: Credit reporting, credit repair services, or other personal consumer reports

Edit Federal Trade Commission : IdentityTheft.gov FTC Report Number : ( to be generated ) I am a victim of Identity theft. This is my official statement about the XXXX 

Contact Information First Name : XXXX XXXX Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Phone : XXXX Email : Personal Statement XXXX XXXX  Accounts Affected by the XXXX Credit Card Opened by the Thief Company or Organization : the company Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Names : XXXX  Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 


XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 

* Check the box to sign your identity theft report : I understand that knowingly making false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

PreviousFinalize IdentityTheft.gov is the federal governments one-stop resource for identity theft victims. The site provides streamlined checklists and sample letters to guide you through the recovery process. 

Visit ftc.gov/idtheft for prevention tips and free resources to share in your community. 

Privacy Policy XXXX XXXX # : XXXX Under the Paperwork Reduction Act, federal agencies are not allowed to collect information from the public without a valid XXXX control XXXX. 

Create a Personal Recovery Plan Browse Recovery Steps Know Your Rights Sample Letters Warning Signs of Identity Theft What To Do If Your Info Is Lost or Stolen Credit Bureau Contact Info Other Helpful Contact Info
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting two fraudulent accounts on my report and refuses to block said accounts. 

I have attached an FTC affidavit with the accounts.
Product: Money transfer, virtual currency, or money service

I initiated a domestic Wire Transfer On XXXX XXXX, 2017 to XXXX/Coinbase in order to invest. The transfer was done from my husbands bank account to my Coinbase account for the amount of {$4000.00}. The transfer was rejected because of the name on both accounts did not match. They sent me an email saying they wire transfer will be reversed in 3-5 business days. It has been almost 2 months and the money is still not back in the account. Ive contacted them multiple times, and everytime I would get a hold of a customer service representative, they would disconnect the other line once they know what the issue is. Then someone would send me an email saying they have escalated the issue and someone is working to get it resolved and still nothing happened. A few days ago, I received an email saying that the issue has been resolved, but the money is still not in the bank account. 

I feel like there is fraud involved. The money was supposed to be invested on XX/XX/XXXX, but they held the money for almost 2 months and Ive lost a potential return on that. 

This company needs to be held accountable for the carelessness in handeling this case. The money must be returned ASAP