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

This is a complaint to XXXX, XXXX, and Transunion for the completeness and/or accuracy of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i. 

After reviewing my credit reports I noticed that your company are violating the Fair credit reporting act by improperly using my credit reports for the following accounts ; [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 are charged off/canceled debt. Because it is canceled/charged off, this is now considered a certificate of indebtedness per the IRS Publication . The IRS Clearly defines a charge off/cancelled debt as Gross or Ordinary income, and INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT which in fact makes the reporting of this information inaccurate. I provided a screenshot from the IRS website for further evidence. 

As your company 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 account. Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). 

This is not only a violation from these companies [ XXXX, XXXX, TRANSUNION ] but it is also a violation from the furnishers of this information pursuant to 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 a reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX This number " XXXX XXXX '' Calls Every day. MANY times a day, trying to speak to a " XXXX XXXX '' no such person is here, or ever has been. 
Its a Credit card place of some sort wanting me to open accounts. 
I speak to them, tell them no such person is here and remove my number. they do not, and call EVERY DAY starting very early, around XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Debt collection

Alleged Original Creditor : XXXX XXXX XXXX XXXX Alleged Original Creditor Account Number : XXXX Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$640.00} I never received this service from XXXX and the phone service was never activated. XXXX XXXX sent a sim card to use for phone number XXXX. I never activated the sim card / phone and called XXXX XX/XX/2020. On XX/XX/2020 the service was officially cancelled since the service plan was not activated. On XX/XX/2020 I received a credit of {$30.00} from XXXX of a pro rated bill they created since the service was never activated and the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, XXXXt XXXX bank, account # XXXX has violated my rights. 
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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have a debt showing up as a collection when I paid the original creditor before the collection was even opened. Yet the collection company is reporting i have a open account with them witch i do not. They are reporting inaccurate payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like this to be taken very seriously as I 've been working extremely hard to clear up and clean up my credit ; Prior to my credit updated via XXXX XXXX, I had a XXXX via Equifax + XXXX on my XXXX, My new SECURED CC had yet to report ( The balance is less than {$33.00} ( It 's now showing {$190.00} ) ) - However I also still had a collection on my account prior to it updating. 

The final collection account was finally removed ( So I had nothing remaining in collections when it updated ) and my secured card finally showed up, somehow my XXXX dropped 25 Points to a XXXX ; and My Equifax dropped 62 Points to a XXXX. 

Keep in mind, there 's no more collections after I had a TON of collections removed etc and cleared up, Additionally I got a new CC ( Secured ) and have less than a 25 % current balance on that card. 

I was expecting my scores to skyrocket, instead they 've tumbled. WHY is this exactly, I really do n't understand, I 've done everything to clear this up and get this fixed. It does n't make any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute certain inquiries listed on my credit reports. My name is XXXX XXXX XXXX, and my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX As a consumer, I am requesting the removal of these unauthorized and erroneous inquiries from my credit files, in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable Federal Trade Commission ( FTC ) laws. 

Upon reviewing my credit reports obtained from XXXX, Equifax, and XXXX, I have discovered multiple inquiries that are negatively affecting my creditworthiness. It is essential that these inquiries are thoroughly investigated and removed, ensuring compliance with the Metro 2 guidelines for accurate credit reporting. 

The following unauthorized inquiries are to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request a thorough investigation into the legitimacy and accuracy of these inquiries. If they are found to be unauthorized or inaccurate, I request their immediate removal from my credit reports, as mandated by the FCRA. 

Furthermore, I kindly ask for written confirmation of the removal of the disputed inquiries from my credit reports. It is crucial to update my credit reports accordingly and ensure future compliance with the Metro 2 guidelines to prevent any future inaccuracies. 

As per the FCRA, I request copies of the updated credit reports reflecting the removal of the disputed inquiries to be sent to the address provided above. 

Please consider this inquiry dispute letter as an official and time-sensitive request for investigation and resolution. Failure to comply with the FCRA and the FTC guidelines may result in further actions to protect my rights as a consumer. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the improvement of my credit reports. 

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

On my report I saw an account of over {$700.00} dollars and I did not authorize! It doesnt even have my name on it anywhere! The address on it isnt even mine?!! Still all Experian does is update it! I want it removed, it is not my account but Experian wont listen! It has financially disabled me from going to college because of higher interest rates! My score was above XXXX when they added this account and whoever owns it didnt pay so now I have no payments! Wrong!!!!
Product: Debt collection

On XX/XX/2022 I called the debt company and was advised I have a debt. I told them the I dont know about the debt. They never wrote me any correspondence they have the debt or how to dispute. I was never told me communication with debt collector was an attempt to collect a debt.
Product: Money transfer, virtual currency, or money service

{$13000.00} was illegally wired out of my account of XX/XX/2021. Regions Bank did not assist me in trying to recover the money and did not reach out to me, even though they were made aware it was fraudulent in XXXX. 

I did not learn that my money was sent to Regions Bank until XX/XX/2021, when my local police department called me to inform me. I now have the police report that indicates the money was wired to someone named XXXX XXXX in Michigan, but that the money ended up at a Regions Bank in Alabama. Regions Bank will not tell me where the money went after it was sent to Alabama and the police have been unable to find evidence that anyone named XXXX XXXX exists in Michigan, even after visiting the home of the address in XXXX XXXX, Michigan. I would like to know where the money was wired after it was in Alabama or who took the money out of the bank. And whether or not that money was taken out through wire, in person, or through an ATM. Since police are unaware of an XXXX XXXX and the money was sent to someone in Michigan from Connecticut to a bank in Alabama, why didn't Regions Bank reach out to confirm this was legit?
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has sent back " verified '' when I disputed with them XX/XX/XXXX XXXX   XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX ( XXXX XXXX XXXX ) one of these XXXX accounts literally TransUnion is the ONLY credit Bureau reporting this. It shows TRANSUNION : Date last Active : XX/XX/XXXX but Last reported : XX/XX/XXXX. 

This other XXXX account is being reaged all three credit bureaus are reporting different last activity dates. TRANS : XX/XX/XXXX XXXX : XX/XX/XXXX & XXXX:XX/XX/XXXX LAST REPORTED DATE : TRANS : XX/XX/XXXX XXXX : XX/XX/XXXX & XXXX:XX/XX/XXXX. 

In my first dispute with XXXX their " verified '' letter they told me their getting the information from company called XXXX XXXX which I never heard of. So I contacted them for a report ( still waiting for report ). XXXX ( XXXX XXXX ) account shows on all three bureaus with different information on ALL three as well. How can these credit bureaus gather information from random companies? but if I ( the person who your reporting on ) tell you it's false information you won't believe me smh. 

I even tried to send out " VALIDATION '' letters to these collection companies to understand how do I owe them and XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX has rejected my mail at their XXXX XXXX XXXX address and it has returned back to me. I've tried another one of their other addresses on XX/XX/XXXX. When I look them up it only shows a number to call. 

Also on my TRANsUNION report my student loan shows 7different accounts ( I have other ones in great standings ) these 7 accounts ONLY on TransUnion there showing XX/XX/XXXX|XX/XX/XXXX|XX/XX/XXXX I'm LATE 120 days in each box ; HOW?? How, there is only  30/31 days in a month. This is VERY disturbing. Ive reached out to The Department of Education about this matter. XXXX an XXXX are reporting this company XXXX XXXX XXXX. 

Now XXXX says my payment status is " CURRENT '' payment history shows " ok '' but on XX/XX/XXXX shows " CO '' high credit : {$9700.00} yet XXXX says payment status : " UNKNOWN '' and High credit : {$0.00} payment history isn't showing ; with different reporting dates. XXXX is also reporting address that doesn't belong to me. 

I never lived at that place ( I can point out the address )
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft due to XXXX data breach. Several credit cards where opened in my name and shipped to address Im not associated with.
Product: Credit card or prepaid card

I have been a CAPITAL ONE customer for a few years and during that time, I have enjoyed my experience with CAPITAL ONE greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have three late payments on the above referenced account that date back to XX/XX/2016. Since that time, I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the past couple of years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was inundated with taking care of aging family. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that CAPITAL ONE is willing to work with me on erasing this mark from my credit reports. This would be both of my credit cards that I have with you. 

I have been a very happy customer in the past and hope to continue a long relationship with CAPITAL ONE. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. CAPITAL ONE has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why CAPITAL ONE is heads above the rest. 

The law, most importantly the Fair Credit Reporting Act, states that you don't have to report everything regarding my account but what you do report should be accurate. I am working to better myself and want to purchase a house in the near future and this would be a great opportunity, a show of goodwill, to help me with this matter. I look forward to your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect personal information in my file that may be leading to fraudulent accounts being opened in my name or my identity merging with someone elses.
Product: Student loan

On Saturday XX/XX/XXXX I called Ed financial to get a refund on the payments that were made since XXXX of XXXX. I spoke with a customer service representative and did not have a problem processing my request. I was told there was no email notification for my request and the process could take up to 6 months? I am not sure why the process is taking so long, and there is no type of communication for the request process. A few days later I had emailed Ed Financial to get an update on my request to ensure it was being processed and I still have not heard anything back. The communication has been very poor, and there is no system in place to track the progress.
Product: Vehicle loan or lease

Company Ally XXXX XXXX XXXX, MN XXXX Agreement # XXXX Vehicle : XXXX XXXX I held the loan on this vehicle since XXXX. Paying a total of XXXX. I made the last payment online XX/XX/XXXX. We I ran my credit respire a month later, I realized that Ally Financial put a late payment on my account for XXXX. I called Ally and asked them to remove it as I had not had a late payment in over 2 years and I was unaware that I had a balance, and if I had know I would have satisfied the debt. My payment history over the last 2 years exemplifies responsible intention to satisfy the loan. I am a co-signer on the vehicle, I have been dopey paying for the vehicle for the past 2 years. The primary loan holder was responsible for late payments prior to the last 2 years. I would like to have this late payment removed. I have satisfied the outstanding XXXX as soon as I was made aware.
Product: Credit card or prepaid card

It was shown that I applied to a Barclay 's credit card last month. I never consented nor was I even INFORMED that I was getting a credit card. I repeatedly stated i was not interested in ANYTHING they had to offer, let alone a credit card for a company I've never heard of. Only for this card to show as opened days later. I believe it was done on the XXXX and I recieved notifications today of an account being opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from capital one on XX/XX/2022 that was not authorized by me.
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.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX offered me a preappoved XXXX 's credit. When I completed their application it was denied ' " Based on your credit reportfrom one or more of the agencies on the back of this letter, income is insufficient for amount of credit requested ''. 

Credit agencies do not report income and no amount of credit was requested.
Product: Payday loan, title loan, or personal loan

received first loan in XX/XX/XXXX the loan was for XXXX paid XXXX $ for 14 months till my daughter paid of the loan in the amount of XXXX had to get another loan in XX/XX/XXXX to move back to XXXX as rent was to high in XXXX XXXX TX , the loan was for XXXX $ i pay XXXX $ every month from my VA and SSI benefits and still have the pay off at XXXX. Would like to know if I can be helped in any way. THANK YOU. XXXX XXXX
Product: Debt collection

I have only been at my current job for XXXX months at XXXX months I received notice that my wages were going to be garnished and I contacted allied who is the collection agency and told them they were n't supposed to garnish my wages until I had been at my job for XXXX months they called me a liar and continued with the process if garnishing 15 % of my wages ... At XXXX months at my position I called them again to tell them they need to stop garnishment and I wanted to set up a payment plan ... They gave me XXXX fax numbers that did n't work as a means to give them my tax forms to work out my payments and sisd they would contact my payroll department and stop the garnishment and they still have not done so.
Product: Credit card

XXXX continues to list a fraudulent account on my XXXX credit report and refuses to provide sufficient proof of my ownership of the account. I never opened nor used this account.
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 items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to you with the utmost urgency regarding the fraudulent accounts currently appearing on my credit report. I have previously reported these accounts as the result of identity theft, and I strongly insist that they be promptly and permanently deleted from my credit history in accordance with the Fair Credit Reporting Act ( FCRA ). 
The following accounts are the ones I am disputing as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate information on my credit report
Product: Debt collection

Ive been getting multiple calls a day from " XXXX XXXX from USCB to pay a debt. I do not have any debt at all. This is a scam trying to get our credit/credit card for thousands of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with them and some of the companies had no knowledge of no account being open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living breathing human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they have violated my rights numerous times.

I demand the accounts listed below be removed from because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX  accounts ending in XXXX and XXXX XXXX account ending XXXX XXXX XXXX  XXXX  XXXX ending in XXXX XXXX  XXXX XXXX account ending in XXXX XXXX accounts ending in XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX account ending in XXXX XXXX XXXX accounts ending in XXXX and XXXX