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

The No Disclosure Without Consent Rule No agency shall disclose any records by any means of communication to any person, or another agency, except under a written request by or the record pertains a subject to 12 exception 5usc Section 552 a b. Under the Privacy Act Disclosure provision, agencies generally are prohibited from disclosing records by any means of communication written, oral, electronic, or mechanical without the written consent of the individual subject to twelve exemptions Transunion I have sent in several disputes to your agencies and CEO to fix the error that you have been reporting on my credit file there should be no more time given to fix this! You violate copyright infringement if you do not stop reporting on my consumer report and correct and remove all derogatory information by deleting all information permanently I will take you to federal court and sue you for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, XXXX and Experian letters to validate the accuracy of four bankruptcies showing up on my credit report. They sent back responses saying that XXXX validated them. I then asked XXXX to verify this information and they responded that they do not report any bankruptcies with me. I also received letters from the two courts stating they did not provide any information to the third party or credit bureaus. I then sent this response to the credit bureaus and they still say they have validated it with XXXX and will not remove it. XXXX consumer # XXXX and Case # XXXX dated XX/XX/2020, shows there is not a bankruptcy on me. I have been going back and forth with the bureaus since XX/XX/2020.
Product: Debt collection

I am in receipt of two letters from Portfolio Recovery Associates, LLC dated XXXX XXXX,2017. This letter claims that I owe Portfolio Recovery Associates, LLC. On both letters Portfolio Recovery Associates, LLC are representing themselves as the current creditor of these accounts from XXXX XXXX  and XXXX XXXX in the amounts of XXXX and XXXX. I am filing a complaint because Portfolio Recovery Associates, LLC are representing themselves as a creditor but Portfolio Recovery Associates, LLC has never extended any type of credit to me. I am asking that Portfolio Recovery Associates, LLC verify that they are in fact a creditor and that they have extended credit to me or delete these listings from credit report. They also have included two different amounts for the XXXX account in the amounts of XXXX and XXXX. Im asking that the verify these amounts as well. Regards, XXXX XXXX
Product: Credit card or prepaid card

Im being harassed by Victoria Secret. They are CONSTANTLY calling my phone all day everyday about me paying a bill and adding more and more fees that I put in a dispute about. They are messing my credit up. My points went down soooo much because of them. I have been trying to close my account with them for this exact reason. They Will literally call me several times a day everyday using MULTIPLE phone numbers and I would block the numbers they call off of. Even if I block the numbers, they will call me through a blocked number ( NO CALLER ID will pop up but I know its them ). I have been called several times at work, while putting my kids to sleep, trying to go to sleep or take a nap myself, when Im out driving or at a business. Its ridiculous.
Product: Checking or savings account

On XX/XX/year>, I got a restriction on my account not stating what the issue is and they provided a date where they will notify me on what the issue is, but it keeps getting pushed back and I'm left in the dark. I have contacted Robinhood via email multiple times with no reply, I have also talked to them on the phone, but not a single solution was provided. I have been using this account for over 3 years and I use it as my bank account, now that it is locked I have no way of paying my bills. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was stunned to find incorrect accounts on my credit report tonight, and I have no idea how they got there. I routinely check my report, and this time, I couldnt believe the sudden errors. I even refreshed my browser, hoping it was a glitch, but the inaccuracies remained. Because of this, XXXX asking for a thorough review of the documents Ive provided, so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

XX/XX/year> i inquired about purchasing a vehicle. I was told as it was a local bank, it would be soft inquiry on credit. I agreed to it. I'm disputing this as it has negatively impacted my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, i inquired at XXXX for a VIP discount card as i was told that it's a soft inquiry. It ended being a hard inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX I was preparing for a trip. It explained dus ounts on trips. I applied online. I was not aware that it was a hard inquiry card. 

I dispute these 3 inquiries.
Product: Checking or savings account

There is a lawsuit already confirmed and my account was affected during that time so Im entitled to a payout.
Product: Credit reporting

I recently disputed the following information and Equifax 's investigation results did not delete the expired account from my credit file. Equifax is reporting incorrect information on my credit report in reference to an account XXXX. According to the terms of the contract this account went thirty days past due XX/XX/XXXX and was never current from that point forward. XXXX is not disputing this ; please see attachment enclosed. XXXX XXXX is attempting to age the debt through internal reporting practices. Any changes in the terms of the contract must be in writing and I did not consent to any special deferment program that allegedly brought the account current XX/XX/XXXX. I request written documentation changing the terms of the contract. If XXXX XXXX is unable to produce written documentation expressing my consent to changes in the terms of the contract then they must adjust the date of delinquency XX/XX/XXXX. These internal reporting practices are a way to age the debt and are a violation of the Fair Credit Reporting Act. This account went 30 days past due more than seven years ago and exceeds reporting limits.
Product: Credit reporting or other personal consumer reports

Data breach of Equifax XXXX and XXXX my personal data was accessed in breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted my request for my " annual free credit report '' but instead of getting a timely copy of my credit file. I was informed by " Trans Union '' that they have lost and or misplaced my credit data ; in other words my information has been compromised by " Trans Union ''. They have either intentionally or by willful negligence purged my credit file. As you can see from the document requesting my free report my identifying information is quite lucid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I, XXXX XXXX sent a letter of deletion to Experian via certified mail with tracking number XXXX. 

I received a letter back from Experian on XX/XX/2022 stating their investigation is still pending. 

Pursuant to 15 USC 1681a ( 1 ) - reporting ACCURATE information, until this investigation is complete I am demanding all disputed alleged debts be deleted from my consumer report until the validation process is complete. 

I, XXXX XXXX also under 15 USC 1681b- permissible purpose, NEVER gave Experian written permission to report ANY of these alleged debts. 

Because of these allegations that have been granted permission FROM Experian ( an assumed vital role ) not I, XXXX XXXX ( the natural person, consumer and original creditor ) I have been the victim of unfair and inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The inaccurate information was reporting to my credit file held bt them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need the following items to be removed from my report as soon as possible : XXXX : XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX Interstate XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX {$0.00} ; XXXX XXXX Balance : {$8100.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my Equifax and XXXX reports as well so in order to correct the inconsistencies between the XXXX, Equifax, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX XXXX ACCOUNT XXXX, OPENED XX/XX/2017, BALANCE OF {$0.00} CREDITOR : XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2017, BALANCE OF {$0.00}
Product: Credit reporting or other personal consumer reports

Transunion has currently violated 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 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 - promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information Account past due amount invalid, already paid and reporting well over amount in attempt to hurt credit. Transunion report has been modified with invalid data to punish and cohere consumer

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681 Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate When asked to validate Agreement that grants the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor where I agreed to pa
y the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I am also requesting The means of which this information was VERIFIED and VALIDATED NO INFORMATION OF WAS RETURNED Not only is Transunion violating consumer rights they are also failing to investigate issues which has been a persistent issue.attached you will see a paper that does not validate debt properly or provide any information above consumer signing for debt
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a call was made and According to XXXX XXXX XXXX over a conversation with my financial advisor who was on the phone. XXXX XXXXXXXX XXXX explained that the purported debt was sold off to XXXX XXXX in XXXX. However I never received any communication that a new dept collector named XXXX XXXX had purchased the purported debt that never belonged to me. This is a clear violation of section 611 of FCRA. See attachment.
Product: Debt collection

On XX/XX/2022 my balance reported by Midland Credit Management seems to have started the time in collections over. XXXX  XXXX was the original creditor and they sold my debt to Midland who seems to have started over the time for this debt to " fall off '' my credit report.
Product: Credit reporting

EQUIFAX CREDIT REPORTING AGENCY IS REPORTING A CLOSED ACCOUNT I HAD WITH XXXX XXXX XXXX XXXX XXXX AS HAVING A {$15000.00} BALANCE AS WELL AS A {$15000.00} PAST DUE AMOUNT. I HAVE DISPUTED THIS ITEM BEFORE AND HAVE HAD IT SHOW A {$0.00} BALANCE AND {$0.00} PAST DUE AMOUNT. XXXX XXXX CLOSED THE ACCOUNT AND NOW SHOW IT AS PAID WITH A {$0.00} BALANCE AFTER A XXXX FORM WAS FILED AND THIS MONEY REPORTED AS ADDITIONAL INCOME TO THE IRS. XXXX XXXX AND XXXX XXXX AT XXXX ARE THE CONTACTS AT THE CU. I NEED THIS BALANCE REMOVED FROM MY CREDIT REPORT ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 08XXXX XXXX XXXX XXXX
Product: Debt collection

Recently received a photocopy of a garnishment summons from an alleged attorneys/counselor at law, M. RICHARD EPPS , P.C., whom are identifying themselves as a debt collector and attorneys at the same time which is illegal pursuant to FDCPA, as well as Supreme Court case XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX ). I, XXXX : XXXX UCC 1-308 , never gave any form of consent ( verbal or written ) to this alleged law firm/debt collector to communicate with a living, natural person that being myself in any manner. This is actually Identity Theft and will result in the proper authorities receiving the Identity Theft report stating so, as well as the Attorney Generals office for Virginia. This firm has allegedly are acting on behalf of the an alleged Judgement Creditor XXXX XXXX XXXX XXXX for this alleged debt with a date of judgment of XX/XX/XXXX. The alleged amount/balance is {$24000.00}.
Product: Checking or savings account

Hi there, My name is XXXX XXXX. I was the victim of fraud when I was a chime account holder about XXXX XXXX XXXX  I worked tirelessly for nearly a year after my account was hacked to get my money back. I had just received my tax return in XXXXXXXX XXXX XXXX and the next day all of the money was drained from my account and so began the fight to prove that I was a victim of fraud. After many months of talking to people with a big XXXX XXXX, I was only able to get back {$2000.00} of the over {$5000.00} that was stolen from my account. Numerous charges in XXXX, XXXX, places Ive never had the pleasure of going to, nor would I have been able to purchase anything there as I was working in the XXXX when this occurred and I dont even have a passport. My chime card was locked during some of these purchases as I was trying to resolve and secure my account from XXXX to about XXXX of that year. I was told so many different things about the fraud and even at XXXX point a representative advised me Id need to get a new social security number?! Thats absolutely insane and not sure how to even do that. My name iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I am requesting a final resolution for this fraud, I deserve to be able to have my hard earned money refunded to me as I more than proved this was Fraud and spent so much of my time and energy trying to fix this. And to think it was all because I was trying to build my credit as a single mother who struggles daily, only to have what little money I had, stolen within hours of its deposit. Only to fight and prove that it was my money, my account. I would really appreciate some follow up and resolution on this issue. Life happens, and as a single mom my focus needs to be on providing for my child, and people deserve the security of knowing their funds are safe and secure. Chime is all over social media and television guaranteeing how easy and safe their accounts are, yet theyve not resolved fraudulent activity and its nearly impossible to speak with someone who can truly help with no barriers. XXXX grateful and proud of people who can sXXXX XXXX XXXX, dont get me wrong, but in a situation where you are required to prove your identity and write statements as to why you should be refunded Your own MONEY for purchases that were proven fraudulent, it is very difficult. And chime can not claim to be safe or secure when this happened and Ive yet to get all of my money back. I am attaching just some of the communication about this fraud and how elaborate it was. It lasted for months. I want my money back once and for all. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis sent a public record of a bankruptcy to the credit bureaus and are now stating this public record has been removed from my consumer report. I requested to review my updated consumer report and in XX/XX/2022 Lexis nexis sent me a letter with a pin to access the reort and the PIN didnt work. I called and spoke with a rep at lexis nexis and she was going to mail me another letter with a pin. XXXX I received a letter again with an incorrect PIN so I have not been able to access my consumer report to verify the public record has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Omni Financial a debt validation letter on XXXX XX/XX/2018 and they still have not responded or taken this account that off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX need to remove my Bk off my credit report
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX : {$950.00}