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

Contacted Transunion at XXXX ( XXXX ) XXXX via phone and was advised by Transunion service representative in order to start the process of restoring positive information that was removed from credit file I would need to complete a dispute letter and attached two additional forms of identification Driver License and Social Security Card. Sent dispute letter via certified mail using form XXXX with return signature. Sent dispute letter on XX/XX/XXXX and letter was received on XX/XX/XXXX and i have enclosed a copy of form XXXX. Requesting Transunion to retrieve deleted credit file and restore it back to my credit file. 
XXXXXXXX XXXX account # XXXX opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this as a formal complaint against Experian for not investigating and removing the errors and inaccuracies from my credit report. Experian has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. 

Please see my attached disputes previously sent to Experian and help me get these resolved. 

XXXX XXXX XXXX - Multiple variances and inaccuracies as noted below : Date of Last Activity : XXXX shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. Date Reported : XXXX showsXXXX, Experian showsXXXX, XXXX showsXXXX Date Opened XXXX XXXX showsXXXX Experian showsXXXX but XXXX shows XX/XX/XXXX. Account status : XXXX shows opened, experian and XXXX show closed. 

See attached for more information on this account but it is inaccurate and needs to be deleted from my credit profile, much less, I have no idea what this is and if it truly belongs to me because XXXX hasn't proven it. 

XXXX XXXX XXXX XXXXXXXX - this is a HIPAA violation plus I have no idea who this is and if I truly owe this. I did not give XXXXXXXX XXXX permission to share my information with anyone. Plus they are reporting several inaccurcies : Date of Last Activity : XXXX showsXXXX Experian Shows XX/XX/XXXX XXXX shows XX/XX/XXXX. Date Reported : XXXX shows XX/XX/XXXX, Experian shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. Date Opened : XXXX showsXXXX, Experian shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. 

These are clear violations of Metro 2 standards. Please help me get these removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.
Product: Checking or savings account

My account was overdrawn by a fraudulent merchant, I advised and alerted chase. Upon review and escalation of the overdrawn funds, chase asked me to deposit funds to make it to event. I then said I can not deposit funds due to it being fraudulently taken out my a merchant. Chase then closed my account in the midst of the investigation and stressed me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed the updated report in XXXX XXXX for 3 credit bureaus. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there inaccurate items on my credit report which are misleading to me. I believe the Bureaus have failed to authenticate these items. The items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2005 XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

I received a notification on my credit file showing 2 fraudulent accounts reporting with SPRING OAKS CAPITAL LLC. Im a victim of identity theft, I have no knowledge of these accounts nor any involvement with SPRING OAKS CAPITAL LLC. I disputed these 2 fraudulent accounts with the credit bureaus, attached a ftc identity theft report, and police report showing that Im a victim of identity theft. The credit bureaus informed me that they sent the dispute with the documents to this company. I have neither engaged in business transactions with them nor entered into any agreements. Hence, it is unjustified for them to report fraudulent accounts that I have no knowledge of. This situation infringes upon my rights as a consumer, as outlined by the FCRA and FDCPA. Im attaching my current ftc identity theft report and police report to this complaint which show evidence that I'm a victim of identity theft. I filed a complaint with the bbb and my ftc identity theft report was NOT ACKNOWLEDGED. This company is still saying that these 2 fraudulent accounts are VALID and are trying to make me liable for these fraud accounts! When a ftc identity theft report or police report is sent to a company from a consumer it validates the identity theft that the consumer is reporting. An FTC Identity Theft Report is a document generated by the Federal Trade Commission ( FTC ) that allows victims of identity theft to officially report the crime, enabling them to dispute fraudulent activity with businesses and credit agencies ; it is essentially a legal document that can be used to prove identity theft and is created online through the FTC 's website, with the authority stemming from the " Identity Theft and Assumption Deterrence Act '' which outlines the procedures for reporting identity theft to the FTC. Therefore this company is in violation of my rights per the FCRA, FDCPA, and the Identity Theft and Assumption Deterrence Act. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. According to the Fair Credit Reporting Act ( FCRA ), when filing an FTC identity theft report, you have the right to request that credit reporting agencies block fraudulent information on your credit report related to identity theft, and businesses are required to provide you with copies of transaction records related to the fraudulent activity upon receiving a copy of your FTC Identity Theft Report ; essentially allowing you to dispute and remove inaccurate information stemming from identity theft. When a company receives evidence that you are a victim of identity theft, they are legally obligated to remove the fraudulent account from your credit report ; if they refuse, you can file a dispute with the credit bureaus and potentially take legal action under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX a hard inquiry XXXX XXXX XXXX XXXX late payments, when paid on time ), bank XXXX XXXXXXXX 15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Product: Checking or savings account

I received an email from someone at Bank of America saying I have to call to confirm who I am. I refuse. I don't know who that person is and if they are really a BoA employee ( the message was not sent through the BoA website, or a secure email system where I can verify it is from Bank of America. 


Please understand all communications are monitored and on the advice of counsel, I am able to refuse requests to speak on the phone ( too much miscommunication happens, please see the numerous complaints I have against this " bank '' ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX employees over the phone both explained how the investigation process works. They both said that they send the collection agencies the disputes and they have 30 days to get it back. I asked them what proof did they get from them and they all said it is whatever they transmit to them on tape. I asked them about my signature on a document. They both said no. They only have to look on their computers and check if it sill shows. Well I told them does that I can open a XXXX XXXX XXXX and report they are delinquent with me for millions as well as XXXX  and Transunion. When XXXX calls me I can say yep, they still owe me but I can settle for 80% of the millions they owe me! They both offered me to provide a consumer statement. I said XXXX to both of them. Put that in where the sun don't shine!
Product: Credit card or prepaid card

I wrote out a balance transfer check for {$2500.00} that was deposited by the recipient on XX/XX/2020. I was charged {$2900.00} on my credit card account, plus the 5 % transfer fee which is now {$20.00} over. I have been in contact with Citi card multiple, multiple times ; I have been hung up on after being stuck on hold for long periods of time. I have a copy of the canceled check showing it was for {$2500.00}. I received that about two weeks ago. Every time I call, I keep getting the same answers - it's being investigated, 7-10 business days, 2-3 business days, investigation is open. Citi literally stole {$420.00} from me ; since they won't fix it, it's theft to me. I don't understand how this can't be resolved. If I have a copy of the canceled check, then THEY have a copy of the canceled check. I've seen many complaints on social media about very similar situations with Citi card, and some have been going through this for months!
Product: Checking or savings account

My balance with BMTX bank is at a non-sufficient funds in the amount of $ XXXX. I have already tried to dispute discrepancies of small amounts of exact charges of {$2.00}, {$4.00}, and {$1.00} placed on my account by a XXXX XXXX XXXX XXXX in XXXX, California. These charges do not seem correct due to the exact charges without taxes. Purchasing items, it is seldom that the balance is an exact charge. I have had issues with this convenient store overcharging in the past when paying cash. I want this bank account closed and their customer service refused to do so. I have made disputes on charges which have not been resolved and they demanded that I pay the {$17.00} or they will not close this account. I only opened up this account because the college that I was enrolled in at XXXX XXXX XXXX advised everyone that it would be an easier option to receive student loans. The representative stated that this was a financial institution and that would be incorrect since they do not have a corporate branch that you can walk into to pay the balance. Everything done is through wire transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  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 Section 2 : States A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692-c : States 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. 
I also have proof of XXXX violations they also made against me and will be further pursuing monetary Relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have report identity theft to FTC and report 3 credit bureau but XXXX  refuse to remove anything they hang up rude I been calling month straight Im exhausted
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B requires the elimination of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit card or prepaid card

My account that has been open for over 10 years was closed with no warning or opportunity to prevent closure. I was notified via email at XXXX XXXX  EST that my account was closed, called immediately requesting that the account not be closed, and was told that to reopen the account I would have to get a new account with a full credit check. 

I was giving not given sufficient warning that was going to happen, and this is negatively affect my credit score.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 
Please delete the following accounts : DEPTEDXXXX {$2400.00} DEPTEDXXXX {$2500.00} DEPTEDXXXX {$1300.00} DEPTEDXXXX {$250.00} XXXX {$170.00} XXXX XXXX  {$6300.00XXXX XXXX XXXX XXXX {$0.00} XXXX {$290.00} XXXX  {$0.00} XXXX {$0.00} XXXX  {$410.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$58.00} XXXX XXXX {$200.00} XXXX XXXX {$590.00} XXXX  {$760.00} XXXX XXXX {$220.00} XXXX XXXX {$9100.00} XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2016 a student loan was opened on my account which states I owe XXXX which says it owed to XXXX XXXX XXXX. In pursuant of a fair judgement regarding state statues the company and or credit bureaus are illegally posting accounts past Marylands statue of limitations. They are posting fake payments I never made and they have nothing with my signature bearing as evidence of any scheduled payments. For years this has left me in a position that hindered me from using my credit and seeking better financial opportunities. I deserve a fair chance to resume being in good standing with economic endeavors of credit in mind. Ive reached out to the creditors and the bureau agencies themselves. When confronted they stated it would be removed as per statue of limitation. When this was stated it would disappear and they would repost several months later
Product: Debt collection

I have been requesting validation of debt for a collection from on my XXXX and XXXX   credit profiles since earlier this year of XXXX from Summit Financial account # XXXX. On either time of my validation requests has Summit Financial provided me with a signed contact. Approximately 2 months ago I fike A complaint via the CFPB reference never receiving the proper documentation reference said accounts public auction being held which wouldve allowed me the opportunity to recover said vehicle and the credit bureau XXXX advised they would provide proof via mail within 10 days, which they did not. What they did send me ( documents dated XX/XX/XXXX ) was an updated version of my credit report which indicated that they had modified the comments to a Chrage off with a fixed rate. They never provided with the documents I requested. Now moving forward I requested an early exclusion via XXXX in XX/XX/XXXX for said account and Summit Financial has now moved my date of delinquency from XX/XX/XXXX to XX/XX/XXXX. Because Summit Financial not XXXX XXXX XXXX has provided me with the legal documents of a signed contract As per the FCRA during my validation requests I am requesting that this account be removed from my XXXX and XXXX   credit profiles. Id also like to add that prior to qualifying for the early exclusion via XXXX and XXXX I was successfully able to remove Summit Finacial from my XXXX   credit profile via an early exclusion request as XX/XX/XXXX. It appears that Summit Financial is intentionally attempting to further harm my credit profile and my credit score by refusing to provide me with the documents the FCRA states that Im legally entitled to once validation is requested.
Product: Credit reporting 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 items ( A ). It is not permissible to fail to validate these reporting items 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 correct : XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX Balance : {$XXXX} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$XXXX} - tied up XXXX CARD XXXX Balance : {$XXXX} XXXX XXXX XXXX Balance : {$XXXX} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the XXXX XXXX XXXX XXXX belongs to me. I have request debt validation from XXXX and have been denied access to documents required by law. I am re-questing a re-investigation and the method of verificatio under the FCRA section 611 ( a ) ( 7 ). 
Please provide this information within 15 days of the request. 

I have also uploaded copies of Consumer Federal Protection Bureau documents sent by XXXX showing how they have not been able to locate my account, then went on to deny me copies of any documentation to show any validity to the claim of this account. 

How can a company deny me copies of a contract, bill, or legal right to collect any debt they have reported and Equifax be able to verify it
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these pavments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! 
Update the account to Paid on time and never late. Or remove it from my consumer report. 


Dear XXXX XXXX : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiry for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  met this requirement, pursuant to the Act. My Social Security number is XXXX. 
Otherwise, rescind the errant notation immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

Account : XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}. 

Inquiries : XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, EXPERIAN XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I contacted experian regarding my address information on my credit report because it's not able to pull a new score they told me to contact them through their 800 number which I'm trying, which gets you to an automated service that has no option to transfer to a representative and the options and email that they provided do not work and my problem needs to be addressed by agent, but due to the actions of their automated system, I am unable to contact them directly