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

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX  XXXX Balance Owed : {$23.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$200.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 16881 section 602 A. States a I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX  XXXX XXXX XXXX Account XXXX XXXX Office of the Attorney General XXXX Texas current balance : {$91000.00} XXXX Child Support : {$91000.00} XXXX XXXX XXXX CURRENT BALANCE : {$1200.00} XXXX CURRENT BALANCE : {$670.00}
Product: Credit reporting or other personal consumer reports

The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Consumer XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Consumer XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Consumer Portfolio Service Inquired on XX/XX/XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I have attached the original dispute to Experian submitted on XX/XX/XXXX. I have also attached a Method of Verification request.

Experian is not taking investigations seriously. Experian is not deleting addresses which I have never heard of before, after telling them I have never heard of them and have no idea where they came from.

FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. This information is more than reasonably available yet has never been provided to me. In fact, Experian sent me a XXXX " method of investigation '' email prior to the commencement of my disputes, so how could a reasonable investigation into my sensitive credit data take place?

Experian also claims to have verified a bankruptcy on my credit report. Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The XXXX  Court should be the furnisher of information, not a third-party source such as XXXX or XXXX XXXX. Furthermore, the U.S. XXXX  court does NOT verify consumer data, and does not make sensitive data public in any filings. Therefore, they have lied to me in saying they verified a XXXX  
Experian did not conduct a reasonable investigation. Therefore, unless I receive verifiable proof that documents were shared and a live person at each creditor was spoken to, each account must be deleted. Each address that does NOT belong to me must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Writing to this company last XXXX XXXX, XXXX is not useful. I have disputed several items incorrectly reported on my credit report. The item such as Bankruptcy which I verified with the court has been dismissed last XXXX XXXX and this company claims it was verified. This must be taken care immediately. Alo, there are still items listed on the attached copy of the letter I sent this company that is reporting inaccurate and incorrect pieces of information such as the highest balance, account opened date, status, payment history which does n't seem to have been investigated.
Product: Checking or savings account

My bank changed my account numbers so that I could not access the money. My app pulled up 1 new card numbers that I do not have access to. They changed my account/ card numbers without my knowledge. I need assistance now. The XXXX was XXXX and they made it so that I could not touch the money. I cant touch my money. The bank also changed my Address information when I made the other complaints so my information could not be found in their system.
Product: Money transfer, virtual currency, or money service

I was victim of a crypto scam on Robinhood and they froze my assets for safety. It has been more than a week now and the only information they are able to provide is that they are investigating the issue. I need to access my funds because I work with them and I am loosing money as I speak. Their customer service seems not to care and keep repeating me that they are working on it
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Experian and XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$29000.00} ; XXXXXXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or remove this immediately. 
XXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

I placed an order for several pairs of shoes via XXXX  back in XXXX of 2023. Two of the pair were final sale, but arrived damaged. I contacted XXXX about this, and they assured me that, as a one-time courtesy, I could return the damaged items ( regardless of them being final sale because they were DAMAGED, ie, missing leather from spots on the shoes ) for a refund. I filed this complaint over a month ago, have proof that XXXX okayed the refund, as well as proof that I returned the items via delivery tracking number ( see all attached screenshots ) and submitted a complaint to Affirm ( which they subsequently closed ), as well as several pieces of the documentation attached here. Affirm is not taking this issue seriously, and despite my evidence, not adjusting the installment loan, which is almost {$200.00} extra plus interest I should not be paying. Now, my loan is late payment is late, as I want this resolved prior to making any payments, and I also want the interest subtracted, as I am still being charged for items I have returned and have proof of returning. Affirm has been no help. I just filed yet another dispute claim yesterday, replete with attached documentation outlining everything I explained here, and they have sent me what I believe is an automated message asking for the very documentation I uploaded yesterday. For reference, here are the Affirm dispute case IDs : XXXX ( filed XX/XX/XXXX, before any loan payment was even due ) and XXXX ( filed XX/XX/XXXX ). I have no problem paying my loan, but I am not paying for items that I don't actually have because I returned them, nor am I paying interest for these returned items. Company sites : XXXX ; www.affirm.com.
Product: Debt collection

I have been receiving daily calls from professional account management llc for months. It is a robo call with no options but to call another number. XXXX is the number that keeps calling. I don't have any debt in collections or anyone in my household or with my number. There seems to be no way to stop them from calling or talk to a human. The call seems like it is fraud. Since there is no way to contact or even go to website to report very difficult company to work with. They are also requiring account number when you do this or other info. I don't have any info that is valid as they are calling for someone else account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

In XX/XX/XXXX ; I was notified by XXXX XXXX who was employed by XXXX XXXX Now that I was pre-approved for a home loan. She sent my realtor XXXX XXXX ( XXXX XXXX ) a pre- approval letter. XXXX and I then spoke with XXXX XXXX with XXXX XXXX with pre-qualification letter in hand and began picking out my town home in XXXX, Utah. By this time, I had given XXXX XXXX {$1000.00} earnest money and a {$2500.00} construction deposit. Everything seemed to be moving along very smoothly. XXXX would advise me every two to four weeks that she had checked with XXXX on the progress of my loan and XXXX would communicate with me that XXXX stated that everything was fine. 

The only change that had been passed along to me was that XXXX took my loan to her new employer Oaktree Funding. During XXXX employment with Oaktree Funding the only things that were requested of me to produce was my investment statement so I can show where the down payment was coming from, updated paycheck stubs, bank statements and documentation that my student loan was in good standing. 

On XX/XX/XXXX ; 17 days before I was supposed to close on the property at XXXX XXXX XXXX XXXX in XXXX, Utah XXXX had called me to inform me that XXXX was no longer licensed to be a lender/broker in Utah and the processor XXXX at Oaktree Funding, was advising her I needed an additional {$6000.00} or so in order to close on XX/XX/XXXX. 

Needless to say, I dont have an additional {$6000.00} or so and I am not sure if I will even receive my {$3500.00} I had given to XXXX XXXX as a deposit/down payment. Furthermore ; my current landlord has already rented out my current residence. Now I am currently in a situation where I am scrambling for a place to live by the end of XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a company that I have no agreement ( s ) with ; this company continues to report false information on my credit reports.
Product: Debt collection

I have never done any business with you. I am unaware of any contractual agreement or obligations to pay you. This is my final warning and NOTICE to you. I refuse to pay this alleged debt. Please remove my nonpublic personal information from your database or system of records. I am demanding that you comply under the FDCPA and FCRA and remove this tradeline from my consumer report from any and all credit reporting agencies such as XXXX, XXXX and XXXX immediately upon receipt of this NOTICE. I did not consent to any storing, sharing, using or profiting from my nonpublic personal information. Please note any violation of my consumer rights under the FDCPA and/or FCRA you shall be liable pursuant to 15 USC 1692k and any other applicable laws.
Product: Credit reporting or other personal consumer reports

Experian, I am writing to dispute the reporting of a charge-off account related to a car repossession listed under account number # XXXX with XXXX XXXX XXXX XXXX XXXX XXXX credit report. This account is being inaccurately reported, and my rights under federal consumer protection laws have been violated. Additionally, I have not received a Form 1099-C, which creditors are legally required to issue for canceled debt exceeding {$600.00}. 

Grounds for Dispute 1. Failure to Provide Form 1099-C : Under Internal Revenue Code 6050P, creditors are required to issue a Form 1099-C when {$600.00} or more in debt is canceled. The failure to provide this form raises questions about the accuracy of the charge-off status and indicates that the reporting may be incomplete or erroneous.

2. Violation of Consumer Rights Under the FCRA : Per 15 U.S. Code 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. The lack of a Form 1099-C contradicts the reported charge-off, making the accuracy of this account questionable.

3. Responsibilities of Furnishers of Information : Creditors and data furnishers must ensure that all reported information is accurate and complete, as required by 15 U.S. Code 1681s-2. The failure to accurately document and verify this charge-off is a violation of this law.

4. Penalty for Reporting Inaccuracies : Under 15 U.S. Code 1681n, any willful noncompliance with the Fair Credit Reporting Act ( FCRA ) may result in penalties of up to {$1000.00} per violation. Each inaccuracy on my credit report is subject to this penalty if it can not be verified or corrected.

To assist with your investigation, I have enclosed : A copy of my credit report with the disputed account highlighted.

Any correspondence ( or lack thereof ) regarding this debt.

Legal Basis for My Request 15 U.S. Code 1681i : Requires credit reporting agencies to investigate disputes and remove unverifiable or inaccurate information.

15 U.S. Code 1681s-2 : Outlines the obligations of furnishers to report accurate and complete information.

Internal Revenue Code 6050P : Mandates the issuance of a Form 1099-C for canceled debt exceeding {$600.00}.

15 U.S. Code 1681n : Provides for penalties of up to {$1000.00} per violation for willful noncompliance with the FCRA.

Final Note Failure to resolve this matter or confirm the accuracy of the reported information could result in further legal action. I trust you will take this matter seriously and respond within the 30-day timeframe required under the FCRA.

Thank you for your attention, and I look forward to your confirmation that this account has been properly verified or removed from my credit report. 

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

I called TransUnion to remove the following unauthorized Hard Inquiries and they failed ton remove them as they were given an FTC report. 
XXXX XXXX XXXX XXXX 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

In accordance with the fair credit credit reporter act conversion. 
Account number XXXX has violated my rights XXXX XXXX XXXX Balance XXXX Account number XXXX has violated my rights XXXX XXXX Balance XXXX Account number XXXX has violated my rights kick off lending XXXX XXXX Balance XXXX Account number XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX  XXXX. Bankruptcy XXXX XXXX dismissed
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was supposed to be investigated but it was never validated and I was was never notified of how it was verified or the process of how it was verified!
Product: Debt collection

Moved shortly after purchasing new single wide and sold house back to company. Company even sent a check for the difference. Now on my credit report as a voluntary repossession which is not correct. No amount should be owed especially if company sent check after moving the trailer. Vanderbilt mortgage gave us no issue during transaction yet when checked credit report it 's now down as a collection which is terribly impacting my credit report inaccurately.
Product: Checking or savings account

Bank of America fraudulently opened accounts in my name. I call and report, they close the account but then it happens again. Ive asked to have my ssn flagged for no new accounts. It seems reasonable that a multiple fraud identity should be flagged and have additional measures before new accounts are opened.
Product: Credit reporting or other personal consumer reports

Would you kindly review the information on file for me to ensure that it is accurate and in line with the Fair Credit Reporting Act and Metro 2 compliance standards? I'd like to dispute any errors in the credit report, and respectfully request that they be remedied as soon as possible. I'd like to thank you for your attention to this matter. It is surprising that the credit report I have received does not conform to FCRA and applicable Metro 2 data field formatting standards. In order to avoid further financial consequences, it is important that false accounts be deleted as soon as possible. It is important for me to have a credit report, and I expect only accurate, verified, and compliant data to be documented. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$0.00} XXXX XXXX - XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX  XXXX - XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX - XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX XXXX XXXX - XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX - XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX - XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX OF XXXX - XXXX {$4000.00}
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX  XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX