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

On XXXX I sent a certified letter to each of the XXXX credit reporting agencies ; XXXX, XXXX, and Experian, asking each of these companies to check and verify that the information in my credit report was accurate. All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct. 
I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, Convergent Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions. 

For example, the Date Opened for the account had multiple dates on the 3 credit reports. XXXX Account opened, XXXX, XXXX XXXX Experian, XXXX INCONSISTENCY! 
Another example, XXXX has account still open while Experian XXXX XXXX have it closed- INCONSISTENCY! 

See attached Latest Credit Report dated XXXX for all 3 credit reports. 
See attached compiled PDF of pages XXXX of Credit Report showing XXXX XXXX XXXX Due to these inconsistencies this file must be deleted please.
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 am 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
Product: Credit reporting or other personal consumer reports

After constant failed attempts at informing each bureau and reporter, the items listed on this XXXX XXXX XXXXeport with the XXXX shall be removed IMMEDIATELY! 

ALL INQUIRIES SHALL BE REMOVED IMMEDIATELY ALL NON-MAILABLE ADDRESSES SHALL BE REMOVED IMMEDIATELY! 

THE COMPENSATION IN WICH I SHOULD HAVE BEEN PROVIDED WHILE PAYING FOR THE XXXX XXXX  SERVICES, ONES OF WHICH WERE IGNORED SHALL BE FURNISHED IMMEDIATELY ~Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of XXXX XXXX, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from XXXX XXXX unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXX XXXXT 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

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.has violated my rights. 

XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX  TransUnion XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXXXXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXXXXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX TransUnion XXXX XXXX Account # : 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 card or prepaid card

On or around the summer of 2021 I opened a Home Depot credit card and project loan card. I purchased kitchen cabinets. I was offered 18 mos zero percent financing at the time. I made the purchase of the cabinets in XXXX of 2021 and after a few months of getting my bills I noticed it said six months for the expiration date of the offer. I realized something was wrong. I called both the store and the issuing bank of the card and told them I was supposed to get 18 months and I only got six. The bank changed it to the 18 month offer. I have no idea how this mistake occurred. About five months ago, I applied with the bank to see if I can get it extended. I realized that there was no way I was going to be able to pay off this purchase in 18 months. It is over {$9000.00} originally. I was denied. They told me I didn't qualify because I had already extended it. I said, no I did not. When? They were referring to the error, the six months to the 18 months. I said but that was an error. That was not an extension. I was supposed to get 18 months originally. Someone made a mistake. Period. Either the store, someone did. I know what I was offered and they for sure have 18 month plans. All the time. How could they even try to deny it? So, now, because of that original error, that went against me and I can't extend the terms.
Product: Debt collection

I received a notification today, XX/XX/2022 that XXXX had sent an amount I owed them to collections. They made zero effort to contact me about the money owed, ( they have my phone number, two of my email addresses and my current address, plus both previous addresses were set up to forward mail, so clearly they never made the effort. ) I contacted them and they would not give me any information regarding the debt owed, I called the collections agency and ended up just paying it off. If they had contacted me I would have immediately paid them, however they did not. I am requesting this be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, Phone ( XXXX ) XXXX The account listed is a charge off and is past the seven years allowed to be on my credit report. The information is also reported incorrectly. The dates and amount are incorrect. They have refused to remove or correct the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  and Experian regarding the reporting of information in which i did not give my consent. 

According to 15 USC 1681b - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


On XX/XX/2021 I contacted both companies via a written dispute demanding that they remove the account from my consumer report as it is a violation of my consumer rights and I never gave XXXX or Experian any written consent to report the account to my credit report. I never received a response from either company or deletion of this account from my consumer report. 

Account Listed XXXX. Account # XXXX According to federal law the FCRA states that these consumer reporting agencies have 30 days to respond and failure in doing so they must immediately delete the disputed item from the consumers report. Failure to do so is a violation under Federal Law.
Product: Debt collection

Several complaints against National Recoveries : 1- Garnished salary while in process of resolving issue with them. They constantly gave me different excuses that they didnot recieve info I sent 2- Attempted to enter Rehab Program, they discontinued it stating my auto pay from checking account did not pay ( I have check bounce coverage ) 3- Just recently attempted to enter Rehab again, XXXX, when I checked on status was told several different excuses " you sent double W2 's,,,, then we couldnt read your W2, and finally told me I was suppose to pay {$200.00} and I was only paying {$200.00}. when they told me amount and they auto debted from my account. 
4- Now they tacked on another {$30000.00}. without my permission, stating " it was sent to our office because your Son defaulted on his loan,,, ''. I did not sign Promissary note for this and I did not give permission. 
5- I just noticed loan amount in XX/XX/2019 was {$68000.00}, and in XX/XX/2019 it is {$200000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 placed a call to Transunion to have 4 hard inquiries removed from my credit report due to fraud. Tried to place a freeze on my report a day before which was also a reason for the physical call. Customer service agent XXXX XXXX XXXX would not help and take care of the negative inquiries reporting to your credit report. I am requesting that the inquiries below be removed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX  : Account number : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX  : Account number : XXXX, XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Mortgage

On XX/XX/XXXX, I received my Mortgage Billing Statement and viewed {$510.00} in charges for products or services that had been added to the content without authorization or request. I contacted the XXXX XXXX XXXX and spoke with XXXX, a representative for customer services who told me that {$18.00} of charges were for a FEMA inspection fee that the XXXX XXXX XXXX was obligated to pay, not me. I asked, If that is the case, why is this charge added to my Mortgage Billing Statement, and sent to me as a bill in the total cost of my mortgage? She stated that I did not need to worry about that charge and to just make my regular monthly mortgage payment which did not include the {$510.00} in charges. She also informed me that the remaining {$500.00} was the result of charges for fees from an attorney in the XXXX XXXX XXXX  Bankruptcy Department. She referenced me to a XXXX XXXX at ( XXXX ) XXXX, and connected me to that department. 
I spoke to XXXX XXXX XXXX, Bankruptcy Lead, regarding the {$500.00} charge of fees for services to prepare what he spoke of as a P.O.C. ( Proof of Claims ) bankruptcy file. He told me that the attorney for XXXX XXXX XXXX was viewing the computer and he saw that a Chapter XXXX Bankruptcy with my daughters name had been filed. He also stated that the attorney for XXXX XXXX XXXX knew he would have to send a Proof of Claims file to the court and he did. I informed him that neither my daughter nor me had requested or authorized this action. Also that written notice to cancel the bankruptcy proceedings had been given to the law office initiating the case. In addition, that none of the requested necessary paperwork was ever given to that law office ( Tax Returns, Bank Statements, XXXX Forms, Payroll stubs, or Mortgage information ) purposely, as assurance to prevent them from attempting to file a case anyway. I informed XXXX XXXX that I was present in the law office when my daughter gave specific instruction to the attorney in charge that my residence was not to be included in the filing for the Chapter XXXX Bankruptcy. She stated that she was no longer a resident at the address and that I ( her mother ) made all payments for the mortgage which was neither in arrears nor foreclosure. They assured her that nothing they did would affect my residence. XXXX XXXX was persistent in stating that the attorney for XXXX XXXX XXXX was obligated by the court to prepare a Proof of Claims file and to submit it to the court regardless of whether it was requested or authorized. He also told me that the fees would remain on my account until they were paid by either my daughter or me. To date : XX/XX/XXXX, the fees remain on my Mortgage Billing Statement. I inquired of XXXX XXXX, How can it be allowed ( as the incident was described to me by him ) that some attorney just looking on the computer would perform this action without my knowledge, request, or authorization, and then bill me?
Product: Credit reporting, credit repair services, or other personal consumer reports

15 US CODE 6801, 18 US CODE 1028, TransUnion breached, consumers ' financial information exposed 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts belong to someone else and they were fraudulently put on my credit report : 1.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1900.00} 2.  XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1000.00} Both accounts are not mine and I have disputed them with each Credit Reporting Agency ( XXXX, Experian, and XXXX ), and also with XXXX XXXX XXXX. The accounts were fraudulently blamed on me, but belonged to someone else that rented that apartment prior to me living in it. I complained to both the XXXX XXXX company and also the Texas Consumer Commission regarding my concerns about an apartment that had been damaged and rented to me in duress. After I moved out the apartment was left in a better condition than what I rented it. I have provided attachments to support my claim against both the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, and I am requesting that both accounts be removed from my credit reports at all Credit Bureau Agencies and Credit Reporting Agencies due to my Consumer Rights and Fair Credit Reporting Rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, is improperly calculating my FICO Score XXXX. The date you opened your oldest bankcard or credit card account is too recent XXXX. Lack of sufficient credit history XXXX. Lack of sufficient relevant real estate account information XXXX. Balances on bankcard or credit card accounts too high compared to credit limits
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was open in 2011 so it as well over XXXX years old they are reporting negatively on all three of my credit reports they will not remove the account and each month they keep reporting an extra XXXX some dollars in interest fees they have it marked as a charge off on my credit report which is past seven year mark which is very negatively destroying my credit this is the only thing negative I have on my credit and I would like them to remove it I tried to contact them and they will not remove it I tried to dispute it with the credit bureaus they will not remove it you are my last option please remove it thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these items with all three credit bureaus. I sent the disputes off by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. Equifax is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$45000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a released State Tax Lien reporting on my report in the amount of {$3700.00}, which I was never made aware a lien, issued an IRS Form XXXX ( XXXX  ) to tell me I had a lien nor a XXXX ( XXXX ) Release of Federal Tax Lien. This was reported in XX/XX/2016 and when I disputed the validity, it was marked released two months later -however it was not removed. XXXX and TransUnion are illegally reporting this State Tax Lien, after 3 dispute attempts.
Product: Credit reporting or other personal consumer reports

My information was compromised from the Data Breach that happened with this company and I am a victim of identity theft so I question the accuracy of anything on my report. In particular the Hard Inquires which I don't even have credit cards for, these are unauthorized and according to the FCRA, legally these unverifed and unauthorized items must be removed I have filed police reports was recently in litigation with XXXX for identity theft and have also filed multiple different FTC reports on this issue but to no avail. I will attach documents to support my claim the hard inquires are as follows [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent XXXX to a fraud person on paypal on XX/XX/24