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

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

IXXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfortunately, I got XXXX XXXX, and it was pretty bad. Trying to settle pay debt. It's just not as fast as the company wants.
Product: Credit reporting or other personal consumer reports

am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding fraudulent and inaccurate accounts reported on my credit file by the credit reporting agencies TransUnion, XXXX, and XXXX. These accounts were opened without my knowledge or consent, and I believe they are fraudulent. Despite my attempts to resolve these discrepancies, my disputes have not been investigated or resolved within the required 30 days under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), and I have not received proper notification of these debts as required by 15 U.S.C. 1692g. There are multiple violations of FCRA 607 ( b ) regarding inaccuracies in reporting, including discrepancies in account balances, open dates, payment statuses, and high credit amounts across bureaus. The fraudulent accounts include XXXX XXXX XXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX  XXXX ( Account Number : XXXX ), XXXX XXXX  ( Account Number : XXXX ), XXXX  XXXX ( Account Number : XXXX ), and XXXX XXXX  ( Account Number : XXXX ), all of which contain discrepancies in balances, open dates, or have not been validated. Additionally, unauthorized credit inquiries from XXXX, XXXX, and others must be removed. Fraudulent names such as XXXX XXXX XXXX and incorrect addresses, including XXXXXXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, need to be removed. These actions violate federal laws under the FCRA, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ), and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), as well as Florida state identity theft laws. I demand immediate removal and blockage of these fraudulent accounts and inquiries from my credit report across XXXX, TransUnion, and XXXX, written confirmation of their removal, and an updated copy of my credit report. Additionally, I require the implementation of fraud alerts and identity theft resources as mandated by federal and state law, a thorough investigation into how these accounts were recorded without my consent, and the provision of the investigation findings in writing. 
thanks
Product: Checking or savings account

I opened a merchant dispute for " credit not processed '' on XX/XX/year>, under the case number XXXX and it looks that was denied because the provitional credit given was reversed last week. 
XXXX XX/XX/XXXX I requested to reopen or have a second review and that right under XXXX chargeback procedures was violated, they denied that right. 
Please reopen the case, I have the refund recipt from the store showing that the merchandize was returned in person at the store, and they should processed the refund to the XXXX debit card in 5 business days, something that they never did. 
I really dont understand If I supported the documentation given by the store my claim was denied.
Product: Checking or savings account

I had a series of unauthorized transactions on my account when I called about them they restricted my account I told them I need access to my account and I didnt want to file a dispute if it meant losing access to my account they told me I had to file a dispute for the unauthorized transactions of which there were 27 2 days later they closed my account and denied me access to funds already in the account they told me I would get a check in the mail once my accounts were closed I received no time frame
Product: Credit card or prepaid card

I have years with this account, and always have a auto-pay for 2 years when I log in into the account they said I have to pay XXXX. When my last purchased was 2 years ago of {$500.00}. I told they I need the statement, they said them dont have it. Then the company comenity bank has a problem with the sytem, so I cant log in for 3 months. They put the bill more and more big now I have to pay XXXX when I have 2 years without but anything and with a autopay
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to be identified transactions. The identified transactions are not information related to any transactions by me as the consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent Transunion XXXX and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has fraudulent accounts on my credit profile that need to be removed immediately. They are listed in my fraud reports attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account ending in XXXX was opened on XX/XX/XXXX. On XX/XX/XXXX, my account charged off. On XX/XX/XXXX, my account was sold to XXXX XXXX XXXX. 
Also, the account ending in XXXX was opened on XX/XX/XXXX. On XX/XX/XXXX, my account charged off. On XX/XX/XXXX, this account was also sold to XXXX XXXX XXXX. 
XXXX XXXX is deliberately reaging debts, violating FCRA 623 ( a ) ( 5 ). ****I am seeking the last payment made to both accounts****. They are restarting a debt clock.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for and funded a secured credit card on XX/XX/2021. I paid the fee XX/XX/2021. I used the card and paid the balance of {$61.00} on XX/XX/2021. However the company is reporting a balance of {$61.00} and my credit score has dropped as a result. 

The website says the balance will not change until XX/XX/2021. Apparently they closed my statement date not 30 days after receipt of the card, but on XX/XX/2021. They do not report current information. It will change XX/XX/2021. 

I will close this account since apparently it will not help me establish a payment history. Rather it will establish a balance carried since it does not report payments and balances current as of the date of inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found issues on my reports so I sent the bureaus disputes after reading about the laws understanding the use of them on how to help myself better my credit with my identity and proof of what I discovered.This is holding me back from many things in which my credit is needed. 
I sent out 2 different letters both 30 days apart yet I got no timely response? reply all bureaus received my letters XXXX XXXX TRANS I will attach the most recent letters so you can see that they were sent certified but if you need any other proof i can do so as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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

XXXX you reported inaccurate information.. US DEPT. OF EDUCATION/XXXX XXXX  XXXX you reported inaccurate information.. US DEPT OF EDXXXX XXXX Equifax you reported inaccurate information.. XXXX 
XXXX These accounts has been furnished.. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

YOU XXXX, EQUIFAX, XXXX have aided this fraud by not verifying these account. 

An identification of me has been used without my permission to open several accounts that has damaged my reputation and damaged my mode of living because you furnished a consumer report without my permission as stated by Federal law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX  XXXX I looked at my Transunion credit report on XX/XX/XXXX and i 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 reletes according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation 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 from the file of the consumer, or modify that item of information that the information as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the credit 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 or other personal consumer reports

This is my six 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Accounts that are not mine are being reported on my credit report XXXX there is no balance but this account does not belong to me. 
XXXX XXXX balance {$750.00} being reported but account is not mine. 
XXXX account does not belong to me. 

Paid for deletion and is still being reported : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$180.00} XXXX XXXX was included in bankruptcy but still being reported negatively. 
XXXX XXXX XXXX payment history being reported inaccurately. 30 day late payment. Account was never late.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX  Reference # XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX XXXX {$76000.00} XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXX {$66000.00} XXXX XXXX XXXXXXXX {$20000.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$230.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX  XXXX {$49000.00} XXXX XXXX XXXX  XXXX {$87000.00} XXXX XXXX XXXXXXXX {$64000.00}
Product: Debt collection

In XX/XX/XXXX, I purchased a house which is located in an HOA community. In XX/XX/XXXX, I filed bankruptcy and notified the HOA. At that time I had never received a bill for HOA fees. From that time forward, I did not receive any other bills. In XX/XX/XXXX, my XXXX XXXXXXXX bankruptcy was discharged. In XX/XX/XXXX, I receive a letter from Schwartz Vays demanding that I pay roughly {$3600.00} or they would place a lien in my home. I called them and have the phone call recorded and advised them that I would have been in bankruptcy and had never received a bill. I told them that I would reach out to the HOA to which they responded they wont talk to you. I called the HOA anyway and after several recorded phone calls the HOA finally admitted that they had not in fact sent any bills. They also advised me that they had placed this debt with the collection agency in XX/XX/XXXX. I fully believe that this company Intentionally and deliberately held onto this bill from XX/XX/XXXX through XX/XX/XXXX and continue to add collection interest in late charges in an effort to collect more money. When I filed my dispute, they continued to add interest in late fees. As of this state, they still have not Answered my request for any information including bills. My dispute is dated XX/XX/XXXX. This does not fall under the reasonable timeframe that a company has to respond.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit card or prepaid card

I opened BMO Harris Premium Rewards credit card on XX/XX/18. 
It was advertised that I was supposed to get XXXX points ( {$300.00} value ) after spending {$2500.00} within first 3 months. I have met that requirement, but never received this bonus. 
When I contacted the bank they closed my card for no reason and responded that I couldn't get bonus because my card was closed. I have not violated any rules and met the bonus requirement, so I consider their decision a violation of their advertisement. I suspect they closed my card simply to avoid the bonus payment.
Product: Debt collection

In XXXX of XXXX and acct with fig loans was opened in my name in the amount of XXXX when I noticed it on my credit report I notified the company to report fraud and they stated that the information on file was not mine and they would remove it from my credit reports which still has not happened as of XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXX Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
XXXX Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
XXXX XXXX : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Debt collection

I received a letter from XXXX XXXX XXXX, dated XX/XX/2024, and another sometime in XXXX, I believe, offering XXXX different settlement amounts, which I was unaware of until after receiving a phone call in late XXXX from XXXX of your representatives extending a different settlement amount. I wasnt aware of who you were and still am confused. When I received a few text messages, one on XX/XX/XXXX from your company, I thought, is this a scam? At that point, I responded that I declined to pay. The next text came on XX/XX/XXXX ; I guess I missed that XXXX, but on XX/XX/XXXX, again, I declined to pay. This brings me to where we are now ; Im requesting all your documentation, which gives you the authority to collect this debt from me.
Product: Student loan

My student loans were transferred to XXXX from XXXX. I had a rate reduction to 4.3 % while at XXXX for setting up auto payment at graduation.. After the transfer, XXXX set my rate back up to 6.8 %, I have the letter showing the terms of my loan with the rate reduction. I have called several times, they say they ca n't change my rate back to 4.3 % because they did n't get my bank info from XXXX. I have been trying to set up auto pay since XX/XX/XXXX over the phone and by email, it is now XX/XX/XXXX, and my interest rate is still set at 6.8 %. Their customer service is among the worst I have ever dealt with, never rude, just incompetent.
Product: Credit card or prepaid card

I placed an order for food delivery on XX/XX/2022 that was cancelled on the delivery services end. The restaurant was supposed to void the transaction but didn't. I reached out to them and they did nothing so I began a dispute with the card company. I've tried to get updates on the dispute for the last 70 or so days and keep being told that they're working on it. I was never given the provisional credit for the disputed amount and was never even notified of anything unless I reached out first.
Product: Debt collection

I saw in my credit report a debt for XXXX XXXX but its not me. They didnt want to listen was rude.
Product: Credit reporting or other personal consumer reports

They told me they can not find an application with my information on it
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom  it may con cern I am having an ongoing problem with Transunion since the begining of  XXXX   2017  where they refuse to remove collections off my Credit Report it is prevrnting me to establish new credit it has become frustrating to deal with each time i dispute with Transunion they continue to reply that its factual i am suffering the cause for whats not mine i am a victim of identity theft i send certified mail on  XXXX     XXXX    2017    they revieve mail on  XXXX   XXXX   2017 . I call numerous time i dispute online say reply factual.   XXXX  The Collection as follow :  XXXX   XXXX  {$560.00}   XXXX   XXXX    {$1400.00} Hard Inquirie   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing on each credit report multiple times with different amounts. On each credit report it shows one amount of XXXX and another for XXXX this account is also still reporting negative as it was a charge off back in XX/XX/XXXX. I contacted XXXX XXXX when the account reported to pay a settlement amount, which was refused. Over the years I have spoken with multiple representatives to assist with correct reporting and eliminating the incorrect payment reporting with no help. Each member was rude and no one wanted to listen or allow me to prove the information in which was being reported. I disputed with the Bureaus in XX/XX/XXXX, with no luck to report correctlly or to show only one account.