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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. I keep my own accounting records for payments, and the one you have does not line up with what I have. Moreover, I contacted the furnishers and they agreed to REPAIR the accounts in my file. Please fix the accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

Date of Last Activity/Account Status/Date OpenedDate of last a I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

XXXX XXXX XXXX XXXXXXXX XXXX  Thank you,
Product: Debt collection

I have been monitoring my credit report and all of the sudden there were 10 new collections for medical bills. I contacted the collection agency and stated that every other ( 2 ) were for the exact same amount. Then all of the sudden the next day every single one of the amounts had been adjusted by XXXX to XXXX dollars. I called them again to ( 1 ) mention that I didn't believe this was my debt. And requested all the records they might have.

( 2 ) The information they had for me was incorrect. I.E. my phone number, address. I did again request the records on file.

Now there are ( 13 ) different medical things on my credit report. All from this company. And again, they adjusted every single one by XXXX to XXXX dollars. In total {$14000.00} Ist contact made by me XX/XX/23 ( requested all records ) 2nd contact made by me XX/XX/23 ( requested all records ) 3rd contact by them XX/XX//23 ( Tried to collect money )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 or 4 delinquent accounts from progressive management that should not be on my report.
Product: Debt collection

I have filed previous complaints against  Financial Credit Network f or reporting that I owe {$190.00} for   XXXX   XXXX   XXXX   XXXX  , I have provided my lease that I did not live at that residence, I have provided an affidavit stating this debt does not belong to me, and a police report from the  XXXX   XXXX  Police Department in regard to this matter. When I contacted  Financial Credit Network y esterday on  XX/XX/17   , it was stated that they are awaiting " a response '' from the original creditor after I have proven that this account is reporting fraudulent negative information. I want this account removed from my Credit Report  IMMEDIATELY. I ha ve proven everything that was asked of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It just says my social security was breached in the dark web and some one by the name XXXX XXXX is using it
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 credit reporting agencies and all 3 told me that inquiries are permanent and can not be removed. I explained that they are not legitimate inquiries and that this has happened to me before when I was in the military where someone repeatedly tried to get credit in my name. They told me that there is nothing they can do about the inquiries. 

I called multiple times only to get the same answers and I submitted online disputes but they have not corrected this. 

The inquiries include XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this urgent complaint regarding fraudulent accounts and violations of federal law involving XXXX and other entities. I am a victim of identity theft, and unknown individuals have unlawfully opened accounts in my name without my consent. Despite my repeated attempts to resolve this matter, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. 

The fraudulent accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the following addresses and name variations do not belong to me and must be removed from my credit file : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Name variation : XXXX XXXX XXXX Violations : These accounts were initially removed from my credit report but have since been re-reported without proper notification, violating XXXX XXXX. XXXX ( Validation of Debts ). The failure to notify me of the re-reporting within the required XXXX window is a direct violation of federal law. Furthermore, discrepancies in the open dates and inconsistent reporting violate : XXXXXXXX XXXX  XXXX ( b ) ( Fair Credit Reporting Act ) - Ensuring accuracy and fairness in credit reporting. 

XXXX XXXX. XXXX ( a ) ( XXXX ) - Prohibiting the reporting of inaccurate information. 

XXXX XXXX. XXXX - Requiring timely and adequate validation of debts. 

Identity Theft and XXXX XXXX XXXX ( XXXX XXXX. XXXX ) - Criminalizing unauthorized use of personal information for fraud. 

XXXX ( XXXX and Accurate Credit Transactions Act ) - Allowing consumers to place fraud alerts and obtain free annual credit reports. 

XXXX  XXXX XXXX - Addressing identity theft-related offenses in XXXX. 

Despite my good-faith efforts, creditors and credit bureaus have neglected their obligations under these statutes, resulting in significant harm, including damage to my creditworthiness and emotional distress. 

Requested Actions : Immediate removal and permanent blocking of these fraudulent accounts from my credit report. 

A full investigation into the practices of the creditors and credit reporting agencies involved. 

Written confirmation of the removal and investigation results within the timelines prescribed by federal law. 

Compliance with federal law to prevent further violations of my rights. 

Supporting Documentation : I have enclosed the following documents to support my claims : Copy of my government-issued ID. 

Copy of my Social Security card. 

Police report regarding the identity theft. 

Proof of my current address. 

Thank you for your immediate attention to this matter. I expect a prompt response confirming corrective actions and investigations. 

Sincerely, XXXX XXXX
Product: Credit reporting

hello i have in my credit report XXXX account not is mine, and never buy anything for this ammount.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit XXXX, XXXX and Experian after the dispute results stated that the account verified it belong to me. It has been past XXXX and they have failed to provide method of verification that debt belongs to me. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.
Product: Money transfer, virtual currency, or money service

Service provider : Venmo. 

Details : I set up two transfers on XX/XX/XXXX, for {$250.00} and {$54.00}, money to be withdrawn by Venmo from my XXXX  XXXX XXXX checking account. On XX/XX/XXXX, Venmo withdrew the intended {$250.00} and {$54.00}. BUT, on XX/XX/XXXX, Venmo withdrew a duplicate {$250.00} and {$54.00}, which was unauthorized. Venmo did not notify me of this problem. I checked my bank account balance this morning ( XXXX XXXX ) and saw that the money had been taken twice. When I contacted Venmo, they said they are aware of the error and are working on fixing it. They couldn't provide a timeframe. They also did not have an official channel for me to file a complaint, only saying that they had created a help desk ticket for me. 

It is unacceptable that these duplicate transactions occurred. That is an additional {$300.00} of my money that is currently missing and I need it and I don't know how long I will be without it. It is additionally unacceptable that I wasn't notified of the problem, and I am only lucky that I saw the problem myself so I could do some damage control and make sure that my checking account won't go into overdrawn status.
Product: Credit reporting

Experian has allowed Collection agencies that to re-post accounts that have been resold more than once.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

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 an 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 7 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX XXXX XXXX XXXX a certified green receipt for 1006.34 Validation request letter, which that have signed and received on XX/XX/2022. I have not heard or received any thing in regard to my request. I have also called Transunion and advise them that per 1006.34 ( b ) ( 5 ), XXXX XXXX has not responded or followed the law that has been put in place for validation of debt. I am following the laws that have been put in place for debt collection and the credit reporting agencies to follow, which now debt collector or credit reporting agencies have been doing.
Product: Checking or savings account

I HAVE AN  ACCOUNT WITH BANK OF AMERICA; I PAID XXXX DOLLARS TO THE XXXX XXXX COMPANY. I ENROLLED IN ONLINE BANKING TO FOLLOW EXPENSES, THE XXXX  BALANCE SHOWES A POSITIVE AMOUNT THEY CHARGED 9(XXXX$) XXXX DOLLARS IN FEES. THE BANK OF AMERICA ON XX/XX/19 INFORM  ME THAT SOME TRANSACTIONS ARE NOT SHOWING. TODAY I STILL HAVE A HOLD $XXXX. NOW I'm IN A FINANCIAL CRISIS BECAUSE MY ACCOUNT WENT NEGATIVE AND MY  MONEY IN THE ACCOUNT STILL PENDING. THE BANK OF AMERICA  KEEP CHARGING OVERDRAFT FEESPLEASE HELP ME TO CORRECT THIS ISSUE AND GET MY ACCOUNT CURRENT AND POSITIVE !!THANK YOU FOR TIME AND CONSIDERATION                                                                                 XXXX XXXX                                                                                    XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter asking Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. According to 15 USC 1681- Equifax have 30 days to investigate and send me the results. And Equifax also didn't even record the current status of the disputed information, which is another violation.

I have all the evidence attached.

I have enclosed a copy of a letter I received from the US Dept of Education ( Account Number XXXX - {$6900.00}, Account Number XXXX - {$1700.00} ) to serve as evidence that these accounts should be removed from my credit profile immediately. I have cleared this up with them, and it is resolved. Remove it from my credit profile immediately. 

When I called Equifax, a representative said that they had not received any of my letters I sent to them. The address I mailed the letters were sent to Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX and according to USPS my letters were delivered successfully. Equifax does not go through the letters I send them in a timely manner. This is not the first time it has happened when sending them mail. This is unfair, deceptive, or abusive acts and practices. This violates my rights protected by law under the FCRA. 


I also sent a copy of my passport, driver 's license and social security card, and a copy of my Identity Theft Report by certified mail they requested. 

XXXX XXXX Inquiry : Inquired on XX/XX/, 2022 : I did not apply for this credit card. Please remove it immediately from my credit report immediately. 
XXXX Inquired on XXXX XXXX, 2022 : I did not apply for this credit card. Please remove it immediately from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file : Item 1 : XXXX XXXX XXXX XXXX - Account XXXX Item 2 : XXXX XXXX XXXX XXXX - Account XXXX You will also find these items on the attached credit report. The item I have identified is inaccurate because I have never had a card for this company. Documentation can be account statements from the original creditor, payment history from the original creditor, a copy of the original signed loan agreement or a credit card application with terms and interest rates. 

I am requesting that this item be investigated and verified showing details necessary in order adequately reflect my true credit history on the attached report. 

I am asking you to reexamine this item and remove it from my file at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the company wont let me login experian XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent accounts that have appeared on my credit report due to my information being compromised in a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I request the immediate deletion and blocking of the following accounts from my credit file : Disputed Accounts : XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX BANK XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX Under the federal law referenced above, credit reporting agencies must block and remove fraudulent information resulting from identity theft upon request. These accounts do not belong to me, and I demand their immediate removal from my credit file. 
I have filed an identity theft report with the Federal Trade Commission ( FTC ), and my FTC report number is XXXX. Additionally, I have enclosed copies of my identification, a recent credit report highlighting these accounts, and any supporting documents related to the data breach. 
Please confirm in writing that these accounts have been removed from my credit report within XXXX  days as required by law. If additional information is needed, please contact me at your earliest convenience. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Student loan

I notified the company about this been a case of identify theft submitted my full police report to the company and still no reply are action has been taken I have also filed a compliance with FEDERAL TRADE COMMISSION!
Product: Credit reporting or other personal consumer reports

Kindly remove this to my credit report. This is causing me a lot of stress and XXXX 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/202XXXX XXXX
Product: Credit card or prepaid card

There have been several unlawful and unauthorized usage of my credit card from USAA towards the end of XX/XX/XXXX. I made several attempts for USAA to correct this but it did not.I continued making payments on XX/XX/XXXXXX/XX/XXXXand somehow someone withdrew the same amount that I have made and USAA has not properly and completely credit my account. This unlawful and unauthorized transactions continued during the months of XX/XX/XXXX after a payment had been made by me. And since my account had not completely credited, USAA continued to pile up all sorts of fees on my account and also failed to credit my account. On XX/XX/XXXX, after I made several calls to USAA in an effort to have my account be corrected, I called in to cancel my account due to those unlawful and unauthorized charges. In fact, even after such an account was closed, there were additional unlawful and unauthorized activities in my account, USAA claimed that such an account had been used in XX/XX/XXXX. And as a result, my account is completely botched up and it is hard to know what's due on it. Although USAA and I do communicate and are trying to resolve the matter, I do believe that they have also been charging me and assessing unlawful fees into my credit card account, such as charging me on previous billing cycles, among other charges.
Product: Debt collection

I am writing to file a formal complaint against Transworld Systems, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
Transworld Systems, with contact information at XXXX XXXX XXXX, XXXX, DE XXXX and phone number ( XXXX ) XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights.

In addition, I believe that Transworld Systems has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures. 
I kindly request that the CFPB investigate these violations and take appropriate action against Transworld Systems to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold Transworld Systems accountable for their unlawful conduct.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent accounts and inquiries on my credit report, as I am a victim of a recent data breach. According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681c-2 ( a ), I request that you remove the accounts and inquiries detailed below. 
Fraudulent Accounts : XXXX. XXXX XXXX o Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$120.00} XXXX. XXXX  o Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$120.00} XXXX. XXXX o Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$3400.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date : XX/XX/XXXX o Balance : {$4100.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX