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

Since XXXX I have been dealing with XXXX XXXX XXXX, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I remain XXXX XXXX XXXX XXXX XXXX XXXX, fraudulent accounts were opened in my name. Due to my health, I was unaware of these activities until my condition improved, at which point I began submitting disputes with both the creditors and credit bureaus. The creditors have investigated and confirmed the accounts were fraudulent, issuing deletion letters. Several creditors also confirmed that the transaction records are no longer available due to the age of the accounts and transfers to multiple parties. In other cases, creditors deleted the accounts without requiring further investigation based on the strength of the evidence. 

However, XXXX continues to report these fraudulent accounts. Despite having provided the FTC Identity Theft Report, proof of identity, and creditor deletion letters multiple times, XXXX refuses to delete these accounts, citing that I may have benefited from the transactions a baseless claim, especially since no transaction records have been provided to me, nor do the original creditors possess them. I have requested these transaction records from both XXXX and the creditors for over a year to no avail. 

XXXX 's implication that I benefited from these transactions, without providing any proof, is deeply harmful and unsupported by any evidence. Their failure to produce the transaction records or provide a detailed investigation contradicts their obligations under the Fair Credit Reporting Act ( FCRA ). Furthermore, I understand that credit reporting bureaus do not generally maintain transaction records ; however, since XXXX is referring to these transactions, I suspect they may have more access to this data than they are disclosing. 

Additionally, I am not interested in providing more evidence as I have already submitted more than is legally required. Every prior complaint includes the FTC Identity Theft Report, hospice certification, and the creditor deletion letters. I am also documenting all communication for a future lawsuit, as my health currently prevents me from pursuing litigation. The stress from these ongoing false accusations has XXXX my condition, resulting in XXXX XXXX XXXX XXXX XXXX XXXX which I have documented.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I tried to make a {$15.00} purchase and a {$30.00} purchase from XXXX XXXX on Sunday XXXX XXXX. While I thought I was using my regular PayPal account linked to my bank account for the purchases, I was led through XXXX simple questions that looked like verification questions ( birthday and XXXX digits of social security number ) and presto, I received a loan without even knowing it!!! I am in the process of buying a home and had a near XXXX credit rating. I never wanted a loan for XXXX dollars of purchases, especially when I am in the process of applying for a home mortgage ( which takes weeks, not XXXX entries to verify identity ). My lender notified me on XXXX, XXXX XXXX that I had applied for a loan XXXX.i had never heard of the company and neither had he. After doing Internet research, I learned that PayPal did a hard credit check without me even realizing that it had happened. I called PayPalCredit and they gave me the classic excuses for why they ca n't do anything to help me. I immediately transferred {$45.00} from my regular PayPal account to pay off the balance of the PayPal Credit loan I never intended to have. I then closed the PayPal credit account. I then asked about the interest rate and learned that the rate was 19+ %. This is obviously a bait and switch that PayPal is using to trick people into paying 19 % interest in balances for purchases without even being aware that it happened. I need help removing this entry from my credit report because this deceptive company refused to help me after speaking with XXXX different people at the company in profressive levels of management.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a fraudulent account with XXXX XX/XX/XXXX via mail to report I.C systems, INC and received notification that the case was open and would be resolved XX/XX/XXXX. It later was updated to XX/XX/XXXX and ultimately XX/XX/XXXX. Reached out to a supervisor with I.C systems, INC and they have no record of myself and XXXX has yet failed to remove this account off my file. XXXX had 30 days to respond and has failed to respond other than to let me know its still an active case 30 days later.
Product: Credit reporting or other personal consumer reports

Transunion is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors ( listed in my letter ) consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. That is violation of my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement.How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me. How can these accounts report if by law they're not verified nor have documents with agreements? Violations committed by Transunion. XXXX U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Debt collection

THIS IS NOT MY ACCOUNT AND MY NAME WAS USE TO OPEN THIS ACCOUNT UNDER FRAUD
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am requesting an update on account payment history or removal of account from my credit report due to inaccurate information. I do not understand how my account goes from showing as current in XXXX, XXXX and XXXX and then suddenly in XXXXXXXX XXXX XXXXXXXX I am 90 days late. Wouldn't my student accounts have shown 30 and 60 days past due in XXXX and XXXX? The account then goes on to show no data on my XXXX, XXXX and XXXX for several months. I graduated from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Something is not adding up here. I am showing no data for 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

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I XXXX XXXX XXXX XXXX XXXX filed a dispute on my credit report and it is taking more then 30-days to complete this dispute. I was sure after Experian notified the companies of the accounts I was disputing, must respond within 30-days or the items will be removed from my credit report. I filed this dispute on XX/XX/2018. I several accounts still pending investigation.?? that is not right. 


XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2022 for XXXX $ I've tried to dispute the charge but the issue has yet to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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

I sent a letter to experian regarding inaccurate information on my report in reference to an account reported by advance collections bureau. According to the FCRA its a violation to report inaccurate unverifiable information. Its also a violation for this info to continue reporting if after 30days this account wasnt verified. Ive attached copies of my certified mail receipts, i have spend alot of money to resolve this issue please help
Product: Credit reporting or other personal consumer reports

For the past XXXX months I have been submitting disputes online to the credit bureaus, ( all three, Experian, XXXX and XXXX ) to remove an account from my credit profile that is NOT MINE. I HAVE NO IDEA what this account is, where it came from, whose it is, or why it is on my credit profile. This revolving credit card does not belong to me and is negatively affecting my credit profile. I demand, after XXXX months of disputing with them, that this be removed IMMEDIATELY.
Product: Mortgage

Marital Home was foreclosed on in XX/XX/XXXX, and the time of the foreclosure my now ex husband and I were in the process of divorce. In XX/XX/XXXX, the ex was given the marital home with order to pay all financial responsibilities on the home. 
Despite calling XXXX XXXX to update my address, I was never provided with any information regarding when the loan was defaulted on, remedies which were being discussed between my ex and XXXX XXXX, any updated information about the foreclosure or any information what took place during this process or how to find out about anything on the loan for which I was responsible. Furthermore, I later discovered the ex withdrew my name off of the Homeowners Insurance policy prior to the divorce and added his son on the policy with XXXX XXXX. I also later learned that XXXX XXXX paid my ex a sizeable amount to vacate the premises and give up the keys to the home in return for his Right of Redemption. However, none of this information was ever discussed with me and I only found out the Home was actually foreclosed on in a subsequent divorce hearing in XXXX County Family Court. 
In addition, Ive had to answer in court process to XXXX XXXX for the HELOC Loan which  was also secured by this Home. XXXX XXXX has had zero problems in reaching me by phone and mail, which it has sent documents regarding this lawsuit against me, which is currently in ongoing lawsuit. However, Ive yet to receive any information again regarding the information described above in 1st lien for this debt. 
The ex had the financial ability to pay both of these debts, however simply choose not to pay to ruin my credit, make sure I received no equity or the possibility of securing the home later. XXXX XXXX also changed both monthly bills addresses for the 1st lien and the HELOC lien to my exs company address, which was conveniently hidden from me. While I understand Regions Mortgage can not be held responsible for my exs lack of communication, I am appalled something like this is allowed to happen without any consideration of my input when I too was responsible for the Note.
Product: Credit reporting or other personal consumer reports

I incurred around {$5000.00} in student loans when I attended my freshman fall semester at West Virginia University in XXXX. During that semester, I enlisted in the XXXX and took a leave of absence the following semester ( XXXX XXXX XXXX ) to attend Basic Training and Advanced Individual Training. Prior to my departure, I was advised to speak with the XXXX XXXX XXXX XXXX XXXX office and ask them to pause my enrollment so Nelnet didn't think I was dropping out of school and require me to start paying off my student loans. I was assured that everything was taken care of however, my credit report shows delinquent on all of my loans which have impacted my score quite a bit. I opened a dispute through the XXXX XXXX app twice now and both times, the inquiry disappears after a few weeks with no contact or resolution. I have four student loans and at least one delinquency on each.
Product: Credit reporting or other personal consumer reports

While checking my updated credit report, I noticed several erroneous items that I did not authorize, I am unaware of, and believe to be fraudulent made by the following credit bureaus.Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Sent in a letter asking to have some inaccuracies look at and the sent me back a letter saying the information was illegible. I sent these letters and made sure you could read everything and the the information they need to show my identity and when I called them they said the some of the papers sent had nothing on them and this is bull.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts : XXXX {$1100.00}, XXXX {$750.00}, XXXX XXXXXXXX {$2400.00}, Debt Rec Sol {$650.00} and Debit Sol Rec {$820.00}
Product: Credit card or prepaid card

On XX/XX/22 I noticed something called credit balance refund debit in the amount of {$1400.00} on my account. I called and was told I had overpaid my credit card and a check was being sent to me. It was only overpaid due to pending charges. They said they would put a stop payment on the check and refund the money to my account. This has not happened despite speaking to at least 15 different people and hours on the phone. Yesterday we received a call from someone who identified themselves as a supervisor from BOA corporate. He had Inframation on the amount of credit I was waiting on as well as other personal information. I confirmed certain information and was told my account would be credited in a few hours. Didnt happen. Several hours later I get a fraud alert on my phone that someone is trying to use that account number to buy about {$2000.00} at an XXXX store. Because of this my account is now locked. I called again this morning and was told because the account is now locked they cant discuss this with me and I need to go to a branch. Im in Montana for a few months and the nearest branch is in Michigan. To top it off, the number that called me and said it was corporate, somehow hacked my phone. Ive had to purchase XXXX today to ensure my information is secure. I feel someone from BOA may have provided info to a scammer as my account was so messed up. So now I cant get to a branch. I cant get my money back and worse I have to pay the balance again to BOA because its due and I dont want it to effect my credit. Im XXXX miles from home and have a budget to get home. They have put me in an awful position. Their customer service is terrible. Spoke to 15 people and got 15 different explanations, none of which has ever been true.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit file and would like then removed. Providing you with identity theft report. I have already provided a police report.
Product: Credit card or prepaid card

Unauthorized transaction was on my bank statement of XX/XX/2020 {$4000.00} I filed a claim XXXX XXXX I can't file police report because the merchant has moved or closed permanently
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX  took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX XXXX, above, this item was PAID and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies sent to all 3 credit reporting companies, above. ACCOUNT CLOSED 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE