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

Transunion has been notified of the following inaccuracies on XX/XX/XXXX at XXXX via Certified Mail ( # XXXX XXXX XXXX XXXX XXXX ) : XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : CXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following debt is not mine : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, UTAH XXXX Account Number : XXXX My letter requested physical verification from Transunion XXXX as well as each of the companies, in order to verify the following accounts. Although Transunion has claimed to complete an investigation, neither Transunion or the companies were able to provide complete physical verification of the activity in dispute. Transunion and the above mentioned furnishers have knowingly continued to report the inaccurate and unverifiable information. This has caused me injury, mental anguish, damages and losses to my inaccurate consumer credit report. 

I determine that Transunion in concert with XXXX XXXX XXXX XXXX XXXX  ( formerly XXXX, XXXX XXXX XXXXXXXX XXXX ) have violated the following codes : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received another alert through XXXX  on XX/XX/2018 updated by Equifax with another derogatory reporting with an increase in amounts labeled charged off. Equifax and XXXX XXXX XXXX reporting is listed under revolving account. Equifax does not have an effective investigative method that shows all the new information and changes made by XXXX XXXX XXXX  over the last 5 months.
Product: Checking or savings account

Started a new job and attempted to deposit my first payroll check on XX/XX/2023. Since it was after XXXX XXXX XXXX XXXX XXXX  my time ) The check was processed on XXXX  XX/XX/2023. I then received an email from Capital one Bank which states that after an indepth review the deposit may be a risk for payment default. I had to wait 5 business days for my funds to clear and they only cleared it on the XXXX XXXX because I called and begged a manager not because of any structured automated system. This put an economic strain on my life because I had to ask for a loan which I now owe with interests thanks to the arbitrary decisicion that capital one took to withhold funds on my XX/XX/2023 deposit. 
I never the less gave them the benefit of the doubt, until this past week when I deposited my XXXX check ( XX/XX/2023 ) and Now in typical fashion my funds are being held until XX/XX/2023. The problem is this bank no longer provides service of physical ATM 's where you can deposit and do your banking they refuse or wont stop the " processing '' of my check so I can then open up another bank account with a more reputible financial institution. I am pretty much being held hostage by Capital one and its putting a great decline in my mental, physical health because I can not buy any living essentials and may lose my job because even after countless phone calls I can not get any funds released. I have already spoke at length with my job 's accouting and the funds have been taken out of my jobs account, meaning capital one is ruining me instead of " Protecting '' me like they claim. I can't even get to work in my own car or order any kind of service to get to work. Im broke not because I refuse to work, no Im broke because Capital one bank wants me to be broke, malnurrished, and depressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on or around XX/XX/XXXX regarding incorrect information on my report ( false addresses, et cetera ). It has been over 30 days since, so the dispute has expired off their website, so I can not accurately relay to you everything I disputed. I have had this problem with all three companies ( Experian, XXXX and XXXX ) regarding addresses I have NEVER lived at before, hence when I answer personal questions to verify my identity, it asks me things that I have literally no way of knowing. This is why I have tried correcting the addresses on file. 

XXXXXXXX proceeded to send me an amended credit report to AN OLD ADDRESS. The only way I KNOW of this is that my brother still happens to live there. I have not lived in that house in over ten years. 

I have the same problem with Experian. They have incorrect addresses on file, some that are just outright nonexistent, and when I tried correcting the issue, the only thing they were able to do was remove the nonexistent ones. They corrected the ones that were wrong, but they did not change my current address. I tried to buy a XXXX XXXX through XXXX XXXX site, and they verify credit through Experian. I only know this because it did not work with my current information, but when I utilized the WRONG information listed on Experian, it verified my identity on XXXX XXXX site. I have tried to explain that the addresses they have listed are in the wrong order, and are completely incorrect in terms of my timeline for living in them. They still think I'm living in Florida, in my very first apartment there, from ten years ago. It should also be said that due to their incorrect address information, I am unable to pull my credit report from them online due to incorrect questions being asked. There is no conceivable way I know the answer to half of them, hence I must've gotten one wrong at some point because it has now locked me out of accessing my credit report any other way than to mail things in. It is incredibly infuriating. 

With XXXXXXXX, my credit report with them is literally the shortest-lived report of all three. They have barely any information to give me, and when companies try to pull my credit, XXXX  refuses to come up. I have checked multiple times to see if there is a freeze or a fraud alert on my account, and as far as I can tell there are neither. I even went so far as to FAX IN MY INFORMATION to those XXXX because they demanded it to verify my identity by phone and give me any further information, and those pieces of XXXX claim they never got my fax. I had to spend a dollar per page, three pages, just to fax something to them, and they LOST MY XXXX INFORMATION. It seems to be a trend with XXXX, I guess. My husband and I are trying to buy a home, and so our credit is having to be checked. Fortunately they can pull two of three up for me, but even so, the fact that XXXX just adamantly refuses to pull for me is concerning. I can not make heads or tails of it and NO ONE there is willing to help me at all. It is the most aggravating feeling, feeling like someone is holding my entire existence hostage.
Product: Money transfer, virtual currency, or money service

I received a 1099-K yesterday, XX/XX/XXXX, from Cash App detailing {$6700.00} in payments received during XXXX. I did not use Cash App during that time period nor have I used them in any other calendar year. I called the support line today, XX/XX/XXXX, and asked for an internal investigation. They told me I had to contact local law enforcement and the FTC in order to get it resolved. They are not cooperating with me individually.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

XXXX DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF ED/XXXX XXXX COLLECTION HAS VIOLATED MY RIGHT This is a violation of the FCRA & is also in violation of requisite METRO 2 & 609 LETTER Compliant reporting standards. By the provisions of the Fair Credit Reporting Act & per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX Compliance regulations, I have the right to a fair & accurate credit report, & you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated a permanently removed from my report. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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.
Product: Credit card or prepaid card

I have been trying to work with Discover card to get my interest on my credit card down. I had been on a plan from XX/XX/XXXX to XX/XX/XXXX. They wouldn't do another plan until I hadn't been on one for 1 year. I tried working with them and they would only lower my interest down to 12 % which is only good for a year and then it will go back up. They told me that If I wanted to go to a credit counseling service and get a plan with them they would honor it. I don't want to do that. If they are willing to accept a lower interest with them why not just give me the 6 % interest the lady spoke about when referring to the credit counseling. I want a flat rate interest that is low. 
I dont ' want to use the card. XXXX XXXX XXXX gave me 2.9 % on their card.
Product: Checking or savings account

to whom it may concern, the following happens, I make a report for unrecognized charges for the amount of {$3800.00} dollars with XXXX  number XXXX that Wells Fargo provided me, I waited long enough for a resolution and they sent me to say that they will not reimburse me at all, I do not understand why For this reason, if I never authorize, never sign or enter any PIN, they must improve their investigation method, the total amount of unacknowledged expenses is {$7200.00}, this amount divided into two claims because the lady who helped me with my report to the bank I forgot to put this other amount {$3300.00} with XXXX XXXX this same amount awaiting a resolution in a few more days, hoping it will be favorable, then I will tell you what happened with my debit card. 
I received a call from a friend telling me that they called her because I had her business card in my wallet and that the wallet had been found in a garbage can, right away my friend called me to talk to me and accompany me with said lady, she told me She asked us to go to her house and I went, she gave me my identification and everything I had in the bag, as soon as I saw that my debit card was also there I was very scared and ran to the nearest store to make a purchase to see if there was still money in my account and if I was able to buy and I calmed down a bit, I immediately checked my bank application and that's where I realized that they had used my card making various charges. 
without further ado for the moment I hope you can support me with this citation thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported are inaccurate and erroneous and are leading to negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. I was never late on these accounts. The late payment shown is in error. Please check payment records and provide documentation why these are reporting as late payment. These are good standing account. Again, please verify these immediately and correct the reporting error! 

TD BANK N.A. XXXX Late Dates XXXX, TD BANK N.A. XXXX Late Date XXXX
Product: Credit reporting or other personal consumer reports

Portfolio recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear Portfolio Recovery I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My credit report and identifying information has been accessed and used without my prior consent. It is considered identity theft and criminal activity under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been deleting and reinserting information in my credit report that causes my credit score to plummet.They have reinserted information without notifying me within the five days that are allowed. They also reinserted information that had been resolved leaving me to think that they actually did not investigate my complaints. On XX/XX/XXXX, I mailed them a reinsertion of previous deleted information letter, and they disputed the things listed in the letter instead of addressing my concerns.
Product: Credit reporting or other personal consumer reports

XXXX North XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XX/XX/XXXX consumer id : XXXX Iam writing to request an investigation of the following information that appears on my XXXX XXXX XXXX  consumer report. I have NEVER opened or used the folowing account numbers : Contributor : REGIONS FINANCIAL ABA Number : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX - XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : REGIONS BANK Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : REGIONS BANK Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : REGIONS BANK Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX i dont recognize the following accounts in question. im a victim of identity theft and i dont recognize these accounts on my report. im requesting the following information to be deleted from my XXXX XXXX XXXX report immediately! ive attached a copy the report this request. 

Thank you for your assistance Sincerely, XXXX XXXX
Product: Checking or savings account

In XXXX XXXX. I had bought shoes worth {$300.00} using XXXX, linked to my wells fargo debit card. from my neighbor and he stated the shoes were legit, After a couple of hours I had them legit checked from a local sneaker store and turned out the be fake. Next day, XXXX XXXX. I contacted my neighbor stating the shows were indeed fake and I want my money back and Ill return the shoes, he just kept giving me run arounds saying they are real when they are not fake and he claims the person from the sneaker store was lying. I also had them checked on sneaker groups and all said the same. I waited for about 10 days for him to give me my money back till I file a dispute from wells fargo so XX/XX/2023. I decided to contact wells fargo and filed a dispute and they investigated for a couple of days and they denied my dispute on XX/XX/2023 according to them it was because I paid using XXXX. But it was linked to my wells fargo account.
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 rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name : XXXX Account Number:XXXX has violated my rights XXXX Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was sent a letter by Lazega & Johanson, Attorneys at Law in XXXX stating that they are attempting to collect a debt on behalf of XXXX XXXX, XXXX for a debt I allegedly owe to XXXX for account number XXXX. 

I had a third party credit reporting agency contact Lazega & Johanson to obtain the account number and verify the debt. The resulting report is attached. The account at XXXX XXXX XXXX was reported to the third party credit reporting agency as Charged Off. I assume because they were not able to verify it was mine. 

The third party credit reporting agency also contacted XXXX on my behalf. XXXX was not able to produce any such account. This account does not appear on any of my three credit reports. It does not exist.
Product: Debt collection

I had XXXX phone calls back to back and even XXXX calling while I was on the other line with the same company on my work phone number. I have asked them to not call my work, they are free to call my cell phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. I need the accounts below corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX