23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received mail from Discover Bank stating that I would be sued if I failed to pay on a credit card debt that doesnt belong to me. I have stated to XXXX and to Discover that this account is not mine and I was a victim of identity theft and fraud during the year of XXXX. I stayed in New York and my information as well as my daughters was stolen with a purse that had been taken. I never received back any of our information yet suffered from these things. I tried to request a pay to delete as I dont want this account to continue to damage my credit and I am choosing to take accountability for my credit as I need it to advance in life. I have tried to request validation with my signature and only received charge documents. I also tried to request an option to pay off the debt to be relieved of this frivolous account. Both and all attempts have failed to dispute this inaccurate accounts and Im left to file a complaint and try again to get this account corrected as it continues to hurt my credit tremendously.
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 : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX and 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: Checking or savings account

On XX/XX/2018 my bank Account at Bank of America was closed due to bank policies regarding international clients I was told. At the time I had XXXX $ Dollars balance. I did not get my funds via check through the mail as they said I would. I went to the branch near my home and did not receive any info or help, they said I should check the mail. Its been more than 2 months and I have not recieved my funds yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last month my credit was pulled so that I could get a mortgage to purchase a home. I have been a homeowner since XX/XX/XXXX. Upon this credit pull it was discovered that there is a closed account/charged off account on my credit through CBNA/Citibank/Best Buy. 
Apparently I am an " authorized user '' on this account and it is literally impacting my ability to sell and buy a home. 

1. My credit can not be being affected on a card that I am only an authorized user on.

2. This is being illegally reported to XXXX and XXXX.

3. I do not believe the card owner even added me as a user and I certainly didn't sign anything.

3. I spent from XXXX yesterday, XX/XX/XXXX ON HOLD with Citibank/Best Buy. I never talked to anyone that could help me. I just waited. 
4. The account is under the name of XXXX XXXX XXXX ( my husband though we are legally separated ). He is aware of the situation, confirmed I was not an authorized user, and has tried as well to contact CBNA with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$7300.00} ; XXXX XXXXXXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing this letter to express my dissatisfaction and frustration with TransUnion 's consistent violation of my FCRA rights. Despite my repeated attempts to dispute and correct inaccurate information on my credit report, TransUnion has failed to conduct a proper investigation and remove XXXX XXXX XXXX  and XXXX XXXX from my credit report. This is the fifth time I am pursuing the same dispute with TransUnion, and I have not encountered similar difficulties with XXXX and XXXX. 

On XX/XX/2023, I opened my fourth dispute with TransUnion and mailed out new FTC Report and new supporting documentation that were 50 pages worth. However, to my surprise, TransUnion did not accept them. This is extremely unprofessional and unacceptable. I have been waiting for months for TransUnion to take action and remove these inaccurate accounts from my credit report. The fact that I am writing a second complaint shows how TransUnion is okay with violating FCRA laws which is illegal. 

I am requesting that TransUnion immediately remove XXXX XXXX XXXX  and XXXX XXXX from my credit report. I have provided ample evidence that these accounts do not belong to me, and TransUnion 's failure to act on my dispute is causing me undue stress and financial harm. As a consumer, I have the right to accurate and up-to-date credit information, and I expect TransUnion to comply with FCRA regulations. 

I urge TransUnion to take immediate action and resolve this matter promptly. I expect to receive written confirmation from TransUnion within 30 days that the inaccurate accounts have been removed from my credit report. 

Thank you for your attention to this matter.
Product: Debt collection

I have been a victim of identity theft, Im assuming it was due to the data breach XXXX had recently.. Now my information is being used. I Have a collection from Synerprise Consulting ( XXXX XXXX XXXX ), and a hard inquiry from XXXX XXXX had given me the run around for months now. I am preparing to take them to court if this does not get resolved soon..
Product: Credit reporting or other personal consumer reports

There appears to be XXXX inquiries listed on my credit report, I did not initiate nor am i aware of. XXXX XXXX XXXX XXXX listed 3 times on my credit file with Equifax dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2023. I am requesting removal of these unauthorize inquiries.
Product: Credit reporting or other personal consumer reports

I

am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. This address is not associated with me and must be removed. The incorrect information to be removed includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information.

Update my credit report with the correct details provided.

Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Debt collection

Resurgent Capital services agreed to remove a negative account from my credit report, as it was paid it full. The account still remains on my credit report. Now I have a payment plan for a separate account, which I may cancel due to their actions of breaking their end of the deal with the previous account. The previous account had been removed at one point and was added back on recently.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of acounts belows has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The accounts below have violated my rights. 15 U.S.C 1681 Section 602A. 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 : 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 ) ( a ) 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. 

Delete then accounts below : XXXX XXXX
Product: Credit card

Please see my original complaint XXXX. This is an update. Just got an email saying that Barclay had closed my account due to " inactivity ''. I think that even though they have not responded to my original complaint they went ahead and closed my account. I didn't want this to happen. Normally when this account was inactive they asked that I use it, which I have done in the past. I feel this is a direct response to my complaint listed in this note above. Unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report and there are fraudulent inquiries and when I called them the issue wasnt addressed. Transunion responded and said they will look into it, I called a week later to see why they didnt remove them the agent refused again but did take the names and date of the companies on my report that I said were fraudulent. These inquires need to be removed and the inquires that are question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This is a follow up to complaint XXXX. I purchased plane tickets and the airline company did not assign me seats so i was not allowed to board the plane. I had to repurchase seats for a flight the next day. I provided all information and proof of the original purchase then a repurchase since i couldnt board. I could not reach airline and the credit card company did not fully investugate the case because all the proof provided showed exactly what i was saying and i am due a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is in reference to recently closed complaint # XXXX. Transunion is in willful and negligent behavior. The complaint I sent in was for you to rectify your violations. You state you are reaching out to the to the data furnishers again. THIS WAS DON PREVIOUSLY AND THE RESULTS WERE THE ITEMS WERE FRAUDULENT AND BASE OFF THE DOCUMENTS I PROVIDED AND THESE ACCOUNTS WERE DELETED. TRANSUNION LET THE ACCOUNTS SHOW BACK UP UNDER A DIFFERENT CLASSIFICATION AS IF THIS IS SOMEHOW A DIFFERENT ACCOUNT. SO TRANSUNION LET A PREVIOUSLY DELETED ACCOUNT SHOW BACK UP WITHOUT NOTIFYING ME. THAT IS A VIOLATION THAT CAN BE EASILY PROVEN IN COURT ALONG WITH ALL THE OTHER DEFAMATION AND LIBEL CLAIMS. OBVIOUSLY TRANS UNION DID NOT LOOK AT THE DOCUMENTS SUBMITTED SHOW A PREVIOUS INVESTIGATION AND THE DELETION RESULTS. THIS IS TRANSUNION LAST TIME TO GO OVER THE SUBMITTED DOCUMENTS, THE COMPANY 'S REGISTERED AGENT BEEN NOTIFIED OF PENDING LAWSUIT. WITHOUT IMMEDIATE DELETION, LITIGATION WILL PROCEED. SO AGAIN MY CFPB COMPLAINT READS AS FOLLOWS My Official Identity Theft and Fraud Report that was filed with the FTC, was mailed along with a notarized copy of my Identity and Victim statement of the Fraud. The Identity and Theft Fraud Report was received and signed via Certified Mail # XXXX on XXXX XXXX, 2020, then again a second time via Certified Mail # XXXX signed and delivered on XXXX/XXXX/2020. This certified mailing included An Official Identity Theft Report, a sworn Legal Affidavit, a sworn notarized statement of all the fraudulent accounts, as well as a Sworn notarized statement of my identity. Transunion is in violation of FCRA Section 605B ( A ) for the failure to block and suppress the Fraudulent Accounts from XXXX and XXXX XXXX ( x2 ). Pay close attention These Fraudulent accounts are also included on a notarized victim of fraud statement. The letters and theft report clearly identifies and state all the fraudulent accounts. With that being said, Transunion is also in violation of Section 623 & Section 611 ( A ) ( 1 ) of the FCRA as well as violations of the Section 611 ( A ) ( 5 ) ( B ) ( ii ) for failure in notifying me prior to reinserting fraudulent accounts that were previously deleted on two different occassion. Legal action will be filed in a Court of Law. Transunion must immediately delete the identifiable fraudulent accounts highlighted in yellow upon immediately receiving this complaint or Transunions Registered Agent has been served with a notice of Legal Process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On about XX/XX/2018,XX/XX/2018 and XX/XX/2018 I send the " Letter of Demand '' to 3 Major credit Bureau companies : Experian, XXXX and XXXX .

Only XXXX excepted my dispute and Completely deleted and removed some collections, unknown bank charges form their credit file.

The other 2 credit companies : Experian and XXXX had fail to notify me the unauthorized charges from those Banks report to their credit file.

They only mail me the letter informed those charges were accurate. But did not provide me any prove evidence or document like Statements, invoice, balance due ... from their Banks show I own them.

Please help me to investigate and send a complain to Experian and XXXX again. Thank you
Product: Debt collection

I sent out letters out, Which now its Under another collection Name. When was the account opened and how much was old and when did I signed and agreed to this bank Card. They Never got back with me after multiple letters sent out from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX A XXXX {$450.00} XX/XX/2016
Product: Debt collection

I have tried to get this issue resolved with XXXX XXXX but they refuse to listen or even reach out to the original debt holder to verify information. I have sent a letter requesting proof of debt and all I get in return is a letter stating this is a debt you owe {$1900.00}. 

The original debt was owed to XXXX XXXX Professionals and was paid by XXXX  XXXX on XX/XX/year>. XXXX XXXX for whatever reason tried to bill the state twice for the same services which is not allowed. Leaving this " new '' balance unpaid. All attempt to reach out to XXXX XXXX have failed as all numbers listed for them are disconnected. When reaching out to XXXX they refuse to stop collection activities or verify that XXXX XXXX did in fact receive payment.
Product: Mortgage

This involves Midland Mortgage. After one person told me that if I could document my home value and loan ratio, I could possibly be considered for early termination of this policy. I did so via written note asking to have the pmi removed showing proof of the federal law requiring removal after home to debt value is lower than 78 % ... along with a XXXX appraisal showing the value of my home. I have not been tardy with payments, and have actually overpaid both my payments and my escrow the past two years to be sure to get things being paid down. 

After reaching out to the company they said that the paperwork I signed for the fha loan states that I can only do this after XXXX years, or to end of the loan, depending on how they choose to qualify it. I asked how this can be valid when federal law states otherwise ... and this second representative said to look for the letter explaining why they chose not to terminate this policy, re the '' XXXX years, or to the end of loan statement ''. 

The HPA federal law does not read to this effect. Hoping for assistance ... this fee goes into the pocket of the mortgage company who isn't even the company I got my loan with. They were sold my loan in a business deal somehow. So I have no relationship with this company at all except that they service my loan. They are zero help, and very difficult to even get past a tele prompt system for a human.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX accounts # XXXX, XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX account # 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
Product: Debt collection

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for XXXX XXXX. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. I XXXX XXXX entered into a consumer credit transaction with Truist on XX/XX/XXXX. I sent in a negotiable instrument on XX/XX/XXXX to satisfy the debt. I heard nothing from Truist. On XX/XX/XXXX I mailed Truist a Silence is Acquiescence letter as I figured my negotiable instrument was accepted because I heard nothing from them. On XX/XX/XXXX I received a phone call from Truist saying that they didn't receive any documents from me so I faxed them a copy of everything and addressed the fax to the agent I was instructed to send documents to. I heard nothing. Since I did not know where I stood with Truist I then sent in a Notice of Dispute and asked them to send me verification & validation of the debt. I received an email stating they were looking into the matter on XX/XX/XXXX. XX/XX/XXXX I received a call from an agent stating that if a payment was not made, my vehicle would go into repossession status in 7 days. Fact, The fourth amendment is intended to ensure that the right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized, and my fourth amendment right has been violated so be it. Such conduct from Truist has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. They have violated 15 USC 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I then received a letter from Truist with a copy of a contract from the dealership, which is not validation of the alleged debt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Truist is required by federal law to verify, through the physical verification of the original signed consumer contract ( 28 USC 1746 ). The consumer credit transaction involved a finance charge. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Truist made me purchase insurance separately.
Product: Checking or savings account

I sent money to my account in the XXXX and they want to get my bank statements but I cant produce that as my bank has no bank statements for the XX/XX/XXXX but only XX/XX/XXXX and they suspend my account and didnt return my money to my account in the amount of XXXX
Product: Credit card

I have multiple American Express cards which earn me membership points. Yesterday as of XXXX XXXX I had XXXX points, today I have only XXXX points. XXXX points have been deducted from my account today without any justification or explanation. 

Despite removing these points, additional XXXX points are also not available for use. Earlier also Amex had erroneously not allotted me points and later after a complaint to CFPB had released those points.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries on my credit report that were not authorized with me and these two inquiries should remove from my credit.The inquiries are XXXX XXXX  dated XX/XX/2019 and XXXX XXXX XXXX dated XX/XX/2019 XXXX
Product: Credit reporting

This Bureau chooses to report incorrect information as well as fails to send reports in a timely manner. This Bureau will even report information differently to you than it does with the creditor you applied with. Sadly you file a Dispute and it does nothing more than update inaccurate information with Court documents. Rather than remove it, Equifax takes the stance with the inaccurate reporter. Example XXXX XXXX XXXX XXXX of XXXX. This name dispute causes this bureau to not remove even with the Court documents. Please help me we are homeless and want to buy a home we are held hostage by this bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. Remove the accounts asap XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF ED/XXXX XXXX, U S DEPT OF ED/XXXX XXXX, XXXX   XXXX
Product: Credit card or prepaid card

I have explained in detail that I was a victim of identity theft and no one is taken the steps to get it resolved. customer Service is hottible
Product: Checking or savings account

Capital one wont deposit my direct deposit. I have called, I have been hung up on, I got through to someone once and they hung up on me again. I have bills to pay, I have things I need to do. I dont make a lot of money. I need my money plus some now from them. They can charge me interest when Im late but when they mess up with my money all I get is a sorry? No thats not how this works. My account is now overdraft because of bills, my money should have been in my account yesterday. It is now day 3, with no answer from them, no explanation, customer service has an attitude then hangs up on you. Im about ready to get in touch with a lawyer because this is highly unacceptable. Thousands are effected by this, there is no excuses for this. Please help me however you guys can.