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

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THIS ACCOUNT WITH XXXX XXXX XXXX  FOR ( {$2200.00} ) ISN'T MINE. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I discovered and applied for a loan with Transform Credit but had second thoughts after being told I need a co-signer and decided to look into other options. On XX/XX/2023 I reconsidered Transform Credit but was not able to meet their requirements and decided to opt-out entirely. Today on XX/XX/2023 I discovered a charge made from Transform Credit on my account for {$5.00} though I have not yet borrowed from them, as was explained I am not able to get a refund though I should but I can withdraw my application by sending an email. At the email provided I sent Transform Credit three emails along with calling and leaving a voice message informing them I am no longer interested in borrowing, nobody has gotten back to me. I find this to be a great inconvenience.
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 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, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX Owed : {$150.00} ; XXXX XXXX Original Creditor : XXXX ) XXXX Balance Owed : {$250.00} ; XXXX XXXXXXXX ( Original XXXX : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance Owed : {$700.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$760.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; FXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 disputed some incorrect information that was showing on my XXXX, XXXX and Transunion credit reports. All three CRA 's came back with " Verified as Accurate '' yet all three CRA 's are showing different information that is unverified and inaccurate. 

I will explain the issues and attached the credit reports I was given after the dispute came back " Verified as Accurate ''. XXXX did fail to send me an updated Credit Report after the information was allegedly verified as accurate. 

XXXX - The Before Dispute is showing No monthly payment, and Date of Status as XX/XX/XXXX. The After Dispute is now showing a Monthly payment of {$88.00} on a charged off/closed account. This itself is a violation and reason for deletion. The Date of Status is moved back to XX/XX/XXXX? 

TransUnion provided me with an updated Credit Report showing the the account is " Verified as Accurate ''. The Date Updated is showing XX/XX/XXXX which leads me to believe there was no investigation into the account since the other disputes I filed with Transunion are showing the Date Updated as XX/XX/XXXX. In the " Remarks '' section it is showing PAID IN FULL/WAS A CHARGE OFF. Was this account Paid in Full or was it a Charge Off? How can it be a charge off if it was Paid In Full? Also, the Last Payment Made is showing XX/XX/XXXX but the payment grid is showing Paid as Agreed until XX/XX/XXXX with the first late was XX/XX/XXXX. If the last payment made was XX/XX/XXXX wouldn't the first late be XX/XX/XXXX or, if the first late was XX/XX/XXXX would the last payment be XX/XX/XXXX XXXX did NOT notify me that the dispute was resolved nor did they provide me with an updated credit report. The credit report I am attaching for XXXX is from the XXXX 3 Bureau Report that I purchased. On this credit report XXXX is showing a Monthly Payment of {$88.00} on a closed account. Again, a violation and reason enough for immediate deletion. The status update is showing XX/XX/XXXX while the Balance Update is now showing XX/XX/XXXX which I believe is illegal re-aging and another violation. 

Also, XXXX 's After Dispute report is showing a 30 day late in XX/XX/XXXX with the charge off in XX/XX/XXXX. Transunion is showing a date closed of XX/XX/XXXX with multiple lates. XXXX on the other hand is show the account closed with no date but, a perfect payment history through XX/XX/XXXX. How is this possible id the other CRA 's are showing the account closed sometime in XXXX? 

How is it possible that three CRA 's can investigate these disputes and all three come back with different incorrect information if they are all three contacting the same data furnisher during their investigations.
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. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having bankruptcies on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. 
I never went through bankruptcy. Please remove the immediately. 

Bankruptcy XXXX XXXX-dismissed Filed on XXXX XXXX, 2019 Reference number : XXXX, Bankruptcy XXXX XXXX-dismissed Filed on XXXX XXXX, 2019 Reference number : XXXX.
Product: Credit reporting or other personal consumer reports

I qualified for the XXXX  discharge of my federal student loan which means I am not obligated to pay my student because I am a XXXXXXXX XXXX XXXX yet my credit score report that I still owe that student loan
Product: Debt collection

This was settled in bankruptcy however they have n't removed it from my credit report and it still shows open!
Product: Checking or savings account

I found out XX/XX/2023 that my account was frozen when attempting to use my debit card. I called their hotline and spoke to a representative about both my checking account and credit card with Bank of America and I was told that my account was to be closed and that no reason could be given to me as to why. I was then told that a letter, of which I never received, was sent to me about it. I was then told I could not access any of my funds that they are still in possession of. I checked my emails and my account notifications on their website and no information on what was going on was visible. I will now be incurring significant debt and late fees as all of my other accounts where paid using the checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

On XX/XX/2022, I called XXXX ( Netspend ) to close my checking because I can not transfer my money out of my account ( XXXX  ). They are only allowed to withdraw money from ATM machines. After I request to close my checking account, I have been told by CSR there is a direct deposit of {$1000.00} in XXXX that was not under my name. I told them {$1000.00} direct deposit was under my mother 's name. It was accidentally deposited to the wrong account. I asked them if they can issue a check of {$1000.00} to my mother 's name. They told me it must be ACH back to its original from. The {$1000.00} comes from my mother 's XXXX  payroll. On XX/XX/2022, they told me the money would return to XXXX. It takes up to six days to receive it. As of today, we still do not receive the amount {$1000.00}. The bank asks us to contact XXXX  with a trace number, but XXXX  can not find it. The {$1000.00} was lost, and XXXX  can not find it. The bank can not do anything for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated 09/05/22 but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with Transunion. I have had over 19,000 dollars clears from my collections and student loans but yet my score keeps decreasing. No matter what I do they will not increase it and its changed over 80 points lower in 3 months. I know I am in good atandjng with my creditors and trans union told me I need to pay everything off on my report in order to increase my score. Thats crazy then why would anumykns try to repair their credit. I cant get anything accomplished since I have tried so hard to help the situation only to be in worse shape than before.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in several fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

( ACCOUNTS ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts to ensure the accuracy of my credit report.
Product: Debt collection

After reviewing my credit report, I have identified an error in the reporting of a late payment. I am seeking your assistance in investigating and correcting this issue promptly. 
Below are the details of the inaccurate information : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I recently noticed that my credit report reflects a late payment on the above-mentioned account. However, I can confirm that this payment was made on time. It is possible that there has been an error in the system, leading to the inaccurate reporting of this late payment. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reporting. I understand the importance of accurate credit reporting, and I believe that resolving this issue will contribute to a more accurate representation of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 my mortgage was paid in full satisfaction of the debt. I sold the home and Loan Depot was paid. I have two letters stating such. My credit report states the mortgage was in my XXXX XXXX bankruptcy ; however, as stated above, the mortgage was satisfied completely. I disputed the credit report with XXXX and XXXX. They investigated, I submitted the letters from Loan Depot stating the mortgage had been paid in full, and the result was no change in reporting that the mortgage was included in XXXX XXXX bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps reinserting this bankruptcy that does not belong to me stating they verified this bankruptcy with XXXX XXXX. XXXX XXXX has not verified no such bankruptcy with Equifax. I HAVE ATTACHED A COPY OF MY XXXX XXXX FILE THAT WAS MAILED TO ME FROM XXXX XXXX. There is no bankruptcy reporting on my file with XXXX XXXX. Equifax took off the bankruptcy months ago the reinserted the bankruptcy without verifying. I have been a victim of identity theft for quite some time and this is starting to be monotonous! There is also unauthorized inquiries that I did not authorize nor applied for on my credit. This ongoing back and forth take off then reinsert is hurting my credit. I take pride in my credit. REMOVE ALL OF THESE INQUIRIES< REMOVE THE BANKRUPTCY< CORRECT MY XXXX ACCOUNT IMMEDIATELY! The inquiries that I did not authorize are : XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XX/XX/2020 XXXX My XXXX account balance should be at {$0.00}. XXXX account is paid off. I WILL BE SENDING A COPY OF THIS COMPLAINT TO CEO XXXX XXXX. I WILL BE FORCED TO SUE EQUIFAX FOR DAMAGES UNDER Equifax keeps reinserting this bankruptcy that does not belong to me stating they verified this bankruptcy with XXXX XXXX. XXXX XXXX has not verified no such bankruptcy with Equifax. I have attached a copy of my XXXX XXXX file. There is no bankruptcy reporting on my file with XXXX XXXX. Equifax took off the bankruptcy months ago the reinserted the bankruptcy without verifying. I have been a victim of identity theft for quite some time and this is starting to be monotonous! There is also unauthorized inquiries that I did not authorize nor applied for on my credit. This ongoing back and forth take off then reinsert is hurting my credit. I take pride in my credit. REMOVE ALL OF THESE INQUIRIES< REMOVE THE BANKRUPTCY< CORRECT MY XXXX ACCOUNT IMMEDIATELY! The inquiries that I did not authorize are : XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXXXXXX XXXX  XXXX XX/XX/2020 XXXX My XXXX account balance should be at {$0.00}. XXXX  account is paid off. I WILL BE SENDING A CERTIFIED COPY TO CORPORATE CEO XXXX XXXX. I ALSO, WILL SEND THIS CERTIFIED TO EQUIFAX DISPUTE CENTER. I WILL BE FORCED TO SUE EQUIFAX IF THIS IS NOT RESOLVED IMMEDIATELY! DO NOT SEND ME A PRE-MADE LETTER STATING " VERIFIED '' WHEN I HAVE UPLOADED DOCUMENTATION TO THIS COMPLAINT!
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2012 30 days past due as of XX/XX/2012, XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible
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 168b permissible purposes of consumer reports. 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 CCS COLLECTIONS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CCS COLLECTIONS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After authenticating my identity over 10 times since XX/XX/2020 with LexisNexis, after waiting over 90 days for corrections to be made to my XXXX Report, Lexis Nexis wrote that it not able to authenticate my information which has been the same for many years. First LexisNexis wrote that I needed to contact the provider of the inaccurate information to have it removed but did not disclose the providers names. Then it wrote that LexisNexis does not make corrections to the XXXX Report. Now it writes that it can not authenticate my identity. LexisNexis took unauthenticated information from all the identity theft accounts and had no problem placing all that inaccurate information on my consumer report and XXXX Report which incorrectly lists XXXX pages of identity thieves as my relatives and/or associates on my report. Since no one signs anything and there is no accountability and with all their incompetence, I do not feel safe resubmitting my personal documents which I already submitted upon my initial request.