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

On XX/XX/XXXX, I noticed a fraudulent account was added to my credit report. I created an identity theft complaint with the FTC to have the fraudulent account investigated and removed from my credit file. Upon further review I also noticed several inquiries on my credit report that I do not recognize or give permission to view or obtain my credit report. Please delete these inquiries from my credit file in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Failure to do so will force me to report your company to the Attorney General and seek civil penalties for not complying with the law. Also delete all addresses with the exception of XXXX XXXX XXXX, XXXX  XXXX XXXX GA XXXX and all variations of my name with the exception of XXXX XXXX XXXX XXXX Any incorrect addresses or names could have been used to establish fraudulent credit or used in an unauthorized attempt to establish fraudulent credit in my name. XXXX XXXX XXXX, XXXX Card XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

Lexington law law suit please help me I was a customer also for years
Product: Debt collection

Ok I was leaving here in this apartments they send to me a promotion to move to another more big apartment and I says no because Im going back to my family. My lease was due and I just move out later I check Y credit and have a collection debit for lease broker I never signed that lease a lot people has a complaint about this apartments company I do not have money for lawyers It is not right
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection appear that I wasn't familiar with. Investigation proved that it was a XXXX  account that was being utilized by my cousin, that I did create but never had a problem with, and he passed away. His wife used the account for a year and when she couldn't modify the account she let it go and did not advise me. Allied Collection assumed the collection. I contacted them and explained the situation and they were understanding. On XX/XX/XXXX @ approx. XXXX XXXX I spoke with XXXX who stated that the collection would be removed in 30 days. XX/XX/XXXX the collection was still posting so I called @ approx. XXXX and spoke with XXXX who stated that it would be removed in 30 days and well send you a deletion letter within the day or next morning to my email. XX/XX/XXXX @ approx. XXXX XXXX  and spoke with XXXX, who stated they sent it to the wrong email, Ill receive the letter by the end of today or next morning. Today XX/XX/XXXX I still have no deletion letter and for some reason the phone number is going to voicemail. I'm unsure of the operating hours, but it was XXXX XXXX. I have no trust that this company will delete the collection or send me my deletion letter so that I may dispute the collection myself. Please help. I attached notes and the Credit Report page showing the collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted three different disputes with TransUnion regarding my XXXX motor account being closed. It's been closed for over a year now. Recently with credit repair services they caused this account to open on my credit report again. I informed TransUnion that this information is not correct and that the payment history does not even show on my report nor is the dates correct. They keep stating the verification is correct and have not changed anything regarding the account. I talked to TransUnion through chat and asked how far back are they able to track reports because they should be able to see this account was closed and was just recently reopened as if I have a new loan. TransUnion said they aren't able to do anything about it and that I had to contact XXXX. Which doesn't make sense being they are the bureau. I asked if its legal to open the account after being close and they said no it is not legal to do so. So now I'm reporting this because I'm lost to what to do.
Product: Credit reporting or other personal consumer reports

My credit reports are extremely inaccurate and incomplete! The FCRA states that everything reported must be 100 % accurate and my reports are the exact opposite of that. Payment dates, open dates, and amounts are not reporting accurately across XXXX, XXXX, and Equifax 's credit reports. inaccurate credit reports have ruined my reputation with the banks and I am unable to take care of my family like I need to. I need all inaccurate accounts removed immediately or I will be forced to take legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$XXXX}
Product: Credit card or prepaid card

i have request a lower interest on my discover card, this is the second time, i have request this..and they refuse, the also tell me to buy future stuff so i may have a lower interest. i have a 25.6 % on this card, is very high interest/
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Financial is committing securities fraud and will not credit my account. I was sent a payment coupon/security by Capital One, I endorsed the security/coupon for deposit into my Treasury Direct account for deposit and Capital One Financial reuses to follow instructions and deposit the security/coupon, according to UCC Article 9. Capital One Financial is making a fraudulent claim that I owe them for a debt that I discharged with a Form 1099-C that I sent to their CFO two months ago. Capital One Financial remains to report fraudulent information to XXXX and XXXX Credit Bureaus, and this is against the consumer protection laws. According to the bookkeeping entries of Capital One Financial involved in the extension of credit, did Capital One Financial lend their credit as adequate consideration in the credit agreement or contracts? Yes or No? Did Capital One Financial follow generally accepted accounting principles, GAAP? Yes or No? Capital One Financial is making false statements and damaging my credit worthiness for no reason. I demand Capital One provide where the extension of credit that they claim I owe comes from? I reserve my rights under UCC 1-308. According to Chap. 48, 48 Stat. 112 the debt they claim I owe is already satisfied.
Product: Payday loan, title loan, or personal loan

I received a call on XX/XX/2019 stating lawsuit would be filed against me in XXXX County for debt, and attempting to defraud a financial institution. 

They also called my father on XX/XX/2019. 

I called back number XXXX where I was told they would need to speak to " in house counsel '' to see if I could have a " deferred lawsuit '' since I am out of work on short term XXXX. They arranged payments of {$160.00} to pay off the almost {$700.00} owed. 

I did not research until after speaking to them and providing my debit card info that this was likely a scam or illegal for them to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many times do I have to tell the Credit Bureaus that the references for the late payment on these accounts are erroneous and misleading causing negative impact on my XXXX XXXX? Through a written letters sent on XX/XX/2022, I requested the Credit Bureaus for the investigation and correction of these accounts and yet upon reviewing an updated copy of my Credit report, it is clear that they have done nothing. Let me remind the Credit Bureaus that they are obliged to investigate and update these accounts per consumers requests under the FCRA regulation. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Once again, I am requesting that the Credit bureaus take their time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report. 
1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT ED/XXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT EDXXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT ED/XXXX XXXX Balance Owed : {$1700.00} 11. DPT ED/XXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}
Product: Debt collection

On XXXX XXXX, I had disputed this debt with XXXX it was a debt that was never verified. On XXXX XXXX XXXX had also attempted to collect this debt. XXXX had deleted both of these off of my credit report, see attached copies. Professional Bureau of C, never sent me a written notice of the debt. The only way that I was able to find out is, I have XXXX XXXX and they showed the debt, on my credit report. I am sending this complaint because they never verified the debt. 

Please find copies attached, I would like to know how a collection agency without verification can show an account unpaid and n collection. 

Professional Bureau of C, was the 2nd collection agency the first was XXXX XXXX XXXX XXXX. And both of the collection agencies had different amounts.
Product: Mortgage

This company bought my loan from another company while I was on a Covid-19 forbearance So shortly after they got my loan, I had already applied for mortgage assistance and was approved so while Im in forbearance this new company reported illegally that I was 120 days late. After I got on them about it, they promised they would remove it and my account be back normal in 30 days, well they lied its still there. I need ur help
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the below mentioned account : Account # XXXX
Product: Student loan

I wanted to make sure that the email from the company XXXX was not fraud. I gave my SSN & DOB
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 The consumer noticed that the accounts appeared on their credit report and the investigation never returned the information I was requesting about the accounts. The account are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company is violating my consumer right to privacy according to 15 USC 1681b 2. The company also has NO permission to report ANYTHING using my info according to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these addresses. And when I challenge these addresses, its called opening a dispute. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Product: Credit reporting, credit repair services, 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 name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I attempted to send money from my Old National Bank checking account via XXXX to my XXXX XXXX XXXX XXXX savings account. I initiated an {$800.00} transfer. On the evening of Tuesday XX/XX/year>, I logged into my XXXX XXXX XXXX XXXX account and realized the money did not transfer. The next day, I called Old National Bank during business hours and explained that the transaction did not process, which I believed was because there was a typo in the account number. The Old National representative initiated a review to determine if the payment could be retracted. Meanwhile, I contacted XXXX XXXX to determine if they could determine what happened to the funds. They stated that they were unable to locate the transaction, even using the account number I believed to be the accidentally input number. Additionally, I called XXXX support which was totally automated but explained that if the account was incorrect or did not have XXXX set up, the payment would be returned to the original sender after 14 days. I received a letter from Old National explaining that the transaction was not completed in error and they were unable to dispute the transaction. I called back and requested that they review this again and they stated there was nothing more they could do because XXXX money transfers using the routing number and account number could not be disputed. This is unacceptable because it was a simple mistake of a typo causing me a loss of {$800.00}. If Old National is unable to dispute these transactions, they should not allow them.
Product: Debt collection

I am being harassed by ERC collections over my son 's credit card debt with phone calls and dunning letters. We have the same name but I have nothing to do with the debt. I have told them this on the phone but the relentlessly harass me with more calls and letters. I am XXXX years old and not well anymore. Help!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNT : XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) : # XXXX, and Bank Credit Cards Inquiry : XXXX  XXXX, Date of inquiry : XX/XX/year>XXXX  violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I place an order from XXXX and one of the item was out stock they sent me text messages and said the item was out stock and I will not get charged now they dont want to refund me for the item I paid for with XXXX to place an order with XXXX now XXXX sending me emails like I did something wrong I only placed an order I didnt know it was out of stock.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoken with XXXX XXXX via certified letters. Company continues to send letter requesting additional information. Sent verification via certified mail proof of inquires on report. Company continues to request same information. Each letter cost XXXX this is my third attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 

15U.S.C. 1681 section 602A. States I have the right to privacy 15U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED LETTERS In accordance with the Fair Credit Reporting Act the following reporting Agencies : XXXX XXXX XXXX, XXXX, XXXX and TRANSUNION, XXXX have violated my rights. 

15 U.S.C. 1681 Section 602a States : ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : 15 U.S.C. 1681 Section 602a ( 4 ). There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

15 U.S. Code 1681b 604- Permissible purposes of consumer reports.

15 U.S. Code 1681b 604 ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 
Pertaining to the word Accuracy : the information being providing is inaccurate. 

Fairness and consumers right to privacy : XXXX XXXX XXXX, XXXX, XXXX and TRANSUNION, XXXX are a For Profit Organization/Corporation/Agency that is providing private and inaccurate information that is tarnishing my reputation and is costing me opportunities. 

I did not give XXXX XXXX XXXX XXXXXXXX, XXXX and TRANSUNION, XXXX or its affiliates written instructions to furnish private information. 

Both together and separately my consumer and privacy rights are being violated.
Product: Credit reporting or other personal consumer reports

I have attached a pdf that explains my entire dilemma with Transunion. 

Please have them remove these fraudulent accounts after conducting a THOROUGH investigation and see all of the supporting documents I have included. 

Thank you.
Product: Checking or savings account

On XX/XX/XXXX my bank account was scammed by a payday loan company l found online which was fake.He received my account information from me putting my application in online and made fake claims on my account in one day l was not notified by fraud department or chase for suspicious activity.They credit my account with funds which he made claims from.They didn't credit me for money he took they making me pay XXXX back from the credit they sent to my account for the claims. I been explaining for 2 months what happened took in evidence l was scammed they refused my paperwork and declined my actions.l want to do a investigating because the scammer were calling me from chase bank phone number and different numbers and they let him do 7 claims on my account in one day.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original debt is to XXXX XXXX for the total of {$840.00}. This has been turned over to the collection agency Portfolio Recovery Associates. The collection agency on my XXXX credit report does not show that this account has been disputed. This violates the law because 15 USC 1692e8. They have not reported that this has been disputed. This account should there for be deleted from report. Also they have had more than 30 days to report this dispute. Item should be removed from credit report immediately.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/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 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: Credit reporting or other personal consumer reports

On XXXX, I received a copy of my credit report and discovered that a collection had been added. I have never heard from this company concerning this debt. I do not owe this debt.