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

I am requesting a proper reinvestigation on my dispute, when it comes to providing proof of the verify information. I requested proof of documents, bank statements, or some type of data. To show I was late or missed a payment. Yet they fail to do so, which is a big VIOLATION. I demand that this error be reversed to PAID ON TIME / NEVER LATE or OK on my credit report! I am writing to dispute inaccurate late payments entry, on my credit report as allowed under the Fair Credit Reporting Act, specifically referencing 15 U.S. Code 1681a and 15 U.S. Code 1681s-2. As per these laws, furnishers of information to consumer reporting agencies are obligated to provide accurate information and are prohibited from reporting information with actual knowledge of errors. Under 15 USC 1681a 2 ( A ) ( i ), the term " consumer report '' excludes reports containing information solely as to transactions or experiences between the consumer and the person making the report. This implies that any information reported should be accurate and reflective of the actual transactions or experiences. Additionally, 15 U.S. Code 1666XXXX further supports my right to dispute inaccurate information on my credit report. Upon reviewing my credit report, I have identified discrepancies that do not align with my payment history and financial behavior. Specifically, there is XXXX XXXX - XXXX XX/XX/year>, XX/XX/year>, & XX/XX/year>. I am formally requesting an investigation into these inaccuracies and urge you to correct the information on my credit report accordingly. I also request that you provide me with a copy of the investigation results and any actions taken to rectify the errors. Please be advised that failure to comply with the Fair Credit Reporting Act may result in legal action. I expect a prompt resolution to this matter and appreciate your immediate attention to rectifying these inaccuracies.
Product: Debt collection

I RECEIVED A LETTER AND SEVERAL CALLS FROM NATIONAL CREDIT MANAGEMENT IN REGARDS TO AN ATTEMPT TO COLLECT AN ALLEGED DEBT IN THE AMOUNT OF {$950.00} ON BEHALF OF XXXX XXXX XXXX UNIVERSITY. I SENT A CEASE AND DESIST PURSUANT TO 15 USC 1692C ( C ) ( 2 ) AND THE ORIGIAL LETTER THEY SENT ME REQUESTING DEBT VALIDATION. I OWE NO SUCH OBLIGATION. IF THEY CAN NOT RETURN FULL DISCLOSURE IN ACCORDANCE WITH 15USC 1681G AND ALL OTHER DOCUMENTARY EVIDENCE IN ACCORDANCE WITH 15 USC 44 I CAN NOT VERIFY AND THERE CAN NOT BE ANY CLAIM OF ALLEGED DEBT IN NAME OF MY PRINCIPAL OBLIGATOR. OTHERWISE, MY CONSUMER RIGHTS ARE IN VIOLATION AND I WILL SEEK REMEDY
Product: Credit reporting or other personal consumer reports

Dear Equifax Credit Reporting Agency, This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following : an Collections account opened at XXXX XXXX XXXX on XXXX, XXXX, an account # XXXX with a balance of {$530.00}, an personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account # XXXX, an personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account # XXXX, an personal credit card account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account # XXXX, an personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account # XXXX, an personal charge card account opened at XXXX  on XX/XX/XXXX under the account # XXXX, an debt buyer account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account # XXXX, an debt buyer account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a debt buyer account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items.

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

I have attached a copy of FTC Identity Theft Affidavit # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Please confirm in writing that the aforementioned fraudulent information has been blocked and provide me with an updated copy of my credit report. Furthermore, I am going to attach a copy of a Full General Durable Power of Attorney that my son XXXX XXXX has authority of any and all things that has to do with me and my well being. Just so when future issues that are not fully handled yet needs to be correct he can do so with no questioning. I thank you in advance for your rapid response knowing the seriousness of this matter.

Note : The only one that was not on the Identity Theft affidavit because of the limited amount of characters is the XXXX XXXX XXXX. Which still applies to this complaint and violations.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, 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. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Checking or savings account

BANK OF AMERICA WAS SUED. THEY WERE ORDERED TO REIMBURSE CUSTOMERS FOR OVERDRAFT FEES. MY HUSBAND AND I HAVE BEEN WITH BANK OF AMERICA AROUND XXXX  YEARS. WE EACH HAVE OUR OWN ACCOUNTS, WE HAVE NEVER RECEIVED A DIME FROM THE SETTLEMENT ( S ). I CONTACTED THE ATTORNEYS HANDLING THE SETTLEMENT AND EXPLAINED THAT WE WERE CUSTOMERS DURING THE RELEVANT TIME PERIOD AND WERE ABSOLUTELY SUBJECT TO THE FEES THAT B OF A HAS BEEN ORDERED TO PAY BACK BY THE COURTS FROM MORE THAN ONE LAWSUIT. THEY SAID THEY WOULD CHECK INTO IT. WELL, WHAT A SHOCKER. HAVEN'T HEARD A PEEP. MAYBE CFPB CAN TELL ME WHAT I SHOULD DO NEXT IN THIS SITUATION.
Product: Credit reporting or other personal consumer reports

XXXX ACCT. NUMBER XXXX CREDIT CARD DATA BREACH TOOK PLACE
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XXXX XXXX  transferred their XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. As a result, the balance was transferred to XXXX. Effective XX/XX/XXXX, all monthly payments were submitted to XXXX. When I went to XXXX XXXX website and clicked XXXX XXXX, it states that they were transferred to XXXX, effective XX/XX/XXXX. 

I'm in the process of purchasing a vehicle and when I reviewed my credit report from TransUnion ( paid credit monitoring service ), I noticed that BOTH XXXX XXXX  and XXXX shows the account as open, active and has a balance. It appears the accounts were duplicated instead of being transferred. I checked XXXX and XXXX and they are reflected correctly. TransUnion refuses to correct my Credit Report. 

On XX/XX/XXXX, I submitted a Dispute with TransUnion. When I didn't hear back from them, I reviewed the dispute status report ( created on XX/XX/XXXX ) and it said the Creditor XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX confirmed the account was active, open and had a balance. The exact wording in the report is : INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED. This is incorrect because the balance was transferred to XXXX. 

On XX/XX/XXXX, I called TransUnion to determine what documentation was submitted by XXXX XXXX  to confirm the account was active, open and had a balance. They could not provide the information although I spoke with a customer service representative and a supervisor. They explained that they submitted the dispute details to XXXX XXXX  electronically and that XXXX XXXX  did not include any supporting documentation, but confirmed the information was correct. I explained that I had called XXXX XXXX  for the last 30 days and not a single customer service representative could pull up my account details because the account was transferred to XXXX. I asked if they could provide, XXXX XXXX  contact info, specifically a phone number or a name, and they declined. 

Thus far, I've called XXXX Bank at XXXX ( instantly transferred to XXXX ), XXXX ( no help ), XXXX XXXX XXXX ( no help ), XXXX XXXX XXXX ( no help ) and XXXX ( no help ). 

I called TransUnion ( XXXX XXXX XXXX ) again and explained the situation and they said they couldn't help me anymore and I would need to reach out to XXXX XXXX  who doesn't have me in the system. As a result, today ( XX/XX/XXXX ) I canceled my TransUnion Credit Monitoring subscription because clearly they aren't monitoring anything. I've been paying {$14.00} for years for nothing. 

The double accounting error isn't reflected on XXXX or XXXX credit reports, I don't know how to fix the error. TransUnion keeps sending me to the Creditor XXXX XXXX XXXX ), who provided them no documentation and XXXX XXXX  can't find me in their system. I'm in limbo and going in circles. 

I submitted another dispute today to TransUnion for the same issue.
Product: Credit card

I received XXXX automated phone calls on Sunday XX/XX/XXXX at XXXX, XXXX and XXXX. All in which customer service is closed on a Sunday. I have already spoken with a representative about my payment being late due to health issues ( had recent multiple surgeries ) and the representative said it would be okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
ALASKA CHILD SUPPORT SER account # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX account # XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX account # XXXX XX/XX/XXXX XXXX XXXX  account # 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Debt collection

It is understood on XX/XX/2021, the Debt Collection Rule became effective clarifying how debt collectors can communicate with me, Attached XXXX XXXX XXXX XXXX dated XXXX XXXX XXXX received XXXX XXXX XXXX, intentionally ignored my 20+ communications to XXXX  XXXX that the ONLY/SOLE communication be to XXXX. XXXX XXXX XXXX clear intention was to violate Debt Collection Rule anticipating that its attached communication would be lost by USPS so that it could inflict harm on my credit score. Each of these 20+ communications stated : " ... please provide by return email to XXXX all evidence of validity of this debt; including but certainly not limited to, all copies of all billings to XXXX XXXX XXXX all insurance billings, all medical records of all alleged service ( s ), all insurance denials and the name and address of collectors you have used. ''
Product: Debt collection

I discovered fraudulent accounts on my credit report that are negatively impacting my creditworthiness. Please delete these from my report.
Product: Credit reporting or other personal consumer reports

At approximately XXXX ( central time ) on XX/XX/XXXX I received about XXXX emails in a XXXX XXXX  time period for things I had never subscribed to. I also received a emails from my phone carrier ( XXXX  ) about changes on my account that I did not make. I called XXXX to discuss this and someone had in fact changed what phone was linked into my account. My phone had become unusable except for on wifi, so I was calling on my wifes phone. They helped me switch everything back. 

I also received an email from XXXX XXXX XXXX XXXX about a new inquiry on my credit report with Trans Union. The inquirer is listed as XXXXXXXX XXXX XXXX and it occurred around the same time on the evening of XX/XX/XXXX. I did not initiate this inquiry. 

I have since changed some passwords to my accounts, froze my credit with the XXXX major bureaus, and opened a credit karma account to assist with monitoring. 
At this point, I have not had any money taken from any of my accounts, there are no unrecognized charges to my credit cards, and I do not notice any new debt/loans opened. I do also have a screenshot from my Spectrum app that I have international data being used in the XXXX XXXX, which I have never been to.
Product: Credit card or prepaid card

On XX/XX/XXXX I disputed a charge of {$5000.00} dollars ( made in two seperate XXXX dollar charges ) with Capital One for merchant XXXX XXXX who refused to issue a refund per their cancellation policy terms. On XX/XX/XXXX I discovered the credited amount exceeded my credit limit and rendered my card useless although a negative {$4000.00} balance was on the account. On XX/XX/XXXX I spoke with Capital One rep XXXX Id number XXXX who advises a credit balance adjustment was being issued by check and would be received in 15-20 business days. It ended up taking 90 days and a complaint to the Better business bureau. Capital One advised they had to allow a full XXXX business days for a response from the merchant although I was issued a letter dated XX/XX/XXXX stating the case is considered closed unless the merchant responds. Although I was there after advised once the case reaches its 90 day mark, if the merchandise did not respond the dispute would be considered closed with no option for the merchant to reissue the charge, I find that on XX/XX/XXXX the charges were rebilled to my account with notification to myself until today. This is after I filed a complaint with better business bureau, was finally issued a refund From Capital One and advised the issue closed XX/XX/XXXX and despite the fact the merchants 90 days to respond expired XX/XX/XXXX over a month prior to when these charges were rebilled to my card. This is theft and fraud.
Product: Credit card

From XX/XX/XXXX to XX/XX/XXXX, an appliance repair shop charged us 26 separate times for a total of around {$40000.00}. We have never been to this repair shop and it is in an entirely different state from the state that we live in. We reported this to Chase as soon as we saw it, which was within the 60 days of the statement. While they initially credited us for the charges, they have now rebilled them to us. They have not notified us of this nor have they provided and explanation.
Product: Credit reporting or other personal consumer reports

I recently applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I received a message that my dispute was closed by Equifax information Service LCC to my claim first and foremost I have not received any authentication or what step the took for the investigation XXXX. No original validation from the original creditor or XXXX. According to XXXX XXXX XXXX XXXXXXXX ( A ) States I have a right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) it also states a consumer reporting agency can not furnish a account without my written instructions.also XXXX ( c ). ( A ) ( XXXX ) states, no consumer reporting agency may make any report containing any of the following items of information any adverse items of information other than of convection of crimes which antedates the report by more than XXXX XXXX. Also XXXX XXXXXXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the reason knows or has reasonable cause to believe the information is inaccurate. Notice I have file a XXXX Financing Statement and addendum/ a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with XXXX Security Agreement with {>= $1,000,000} total of value collateral in security agreement is XXXX in place I'm preparing a lien on all three credit bureaus for all reporting violations and each violation is XXXX in federal reserve notes or gold or silver coins this is a notice by law you Have XXXX XXXX XXXX to delete all items off my credit report and send me the investigation process and the original contacts from the lenders loan XXXX of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act i have several accounts that have violated my rights. *15 USC 1681 602a states i have the right to privacy and *15 USC 1681 section 604a section 2 also states a consumer reporting agency can NOT furnish a account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX US DEPT ED XXXX AccountUS DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX 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 have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized by me. There are variation of companies name, account numbers are incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and TransUnion all three agencies have had data breaches. I have disputed with the company and all credit bureaus only to be denied even while reporting XXXX XXXX XXXX they are breaking FCRA Laws. Some of their variations of names are : XXXX. XXXX XXXX. XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX This tactic is a devious high tech scheme to try to keep uneducated ( to the law ) consumers in bondage. 
On XX/XX/2022 my credit score plummeted over XXXX points. XXXX XXXX XXXX for months have reported willful, erroneous, illegal, fraudulent items on my consumer credit report. It has cost me a great deal of grief, money, time and stress. It has affected my health, my credit score has decreased, for years denied credit, denied employment, denied housing opportunities and loans. 
SEE ATTACHMENTS