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

On XX/XX/19 I disputed the XXXX account with Transunion. Transunion provided results only saying the account was valid. I reached out to XXXX and requested they provide me with the proper validation of the debt. I also asked Transunion to provide me with the information they used to confirm the debt was valid. 

XXXX did not provide me with validation. Transunion did not provide me with their method of verification. This is a violation of the FCRA. 

Since XXXX can not provide me with proper validation how did Transunion validate the debt. Clearly XXXX did not provide Transunion with validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Ive reached out to Equifax about a dispute against an item on my credit report from XXXX XXXX. I have shown legitimate proof of several inaccuracies and the sales contract as well from XXXX XXXX  in which they attempted to validate the debt that was inaccurate based on the evidence that they provided as highlighted in my provided documents. I have also provided a 30 days to comply letter on XX/XX/XXXX in which I provided additional evidence confirming the inaccuracies in their allegation of debt listed on my credit report. There were more than three different balance due amounts. there were incorrect and false information regarding my address and contact information as well as the creditors address and contact information. They stated that I traded in a vehicle that shows on my credit report that I paid off two years after the sales contract date that states that I have traded in a vehicle their sales contract also shows incorrect amount stating that there was an amount credited towards the balance from the trade-in which never happened as you can see on my credit report which states that I paid off the supposedly traded vehicle 2 years after the contract date from XXXX XXXX . This debt that shows on my credit is a complete fiasco and must be removed due to inaccuracies as stated in the FCRA law. I have also stated in my dispute reasons why a XXXX  XXXX account should be removed from my credit report as it was removed from my XXXX and XXXX XXXX account in which XXXX XXXX also agreed they had no knowledge of this account and agreed to remove it from my credit report equifax is the only credit bureau that didnt comply with the removal. This should not have not taken longer than 30 days and i should not have to file a complaint with the CFPB as well as FTC for Equifax not doing their jobs properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've asked before this is my XXXX dispute. Please remove all addresses EXCEPT XXXX XXXX XXXX XXXX OH XXXX & XXXX XXXX XXXX # XXXX XXXX OH XXXX from XXXX and Experian and XXXX XXXX reports. I have asked this several times. Also please send me an updated copy of the report with the new information on it. 

This is also my XXXX dispute on this issue ... .since the XXXX XXXX breach my information has been exposed I have asked that XXXX XXXX XXXX and Experian remove all inquiries that are not directly related to an account. I 've already contacted these companies on numerous occassions. Not sure what else to do not gon na keep calling. 

XXXX please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX the following inquiries ... .see below XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX ( on there twice ) remove XXXX at least
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( XXXX ) ( XXXX ) ( XXXX  ) and XXXX ( XXXX  ) ( XXXX ) ( XXXX  ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX BALANCED {$23000.00} XXXX XXXXXXXX XXXX BALANCED {$630.00}
Product: Debt collection

I keep getting calls asking for my deceased father even after it was explained to them that I was not him
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention several items on my credit report that I do not recognize. It appears that my identity XXXX have been stolen, as I did not authorize the accounts in question. I previously raised this concern, and I am now formally requesting that these unauthorized accounts be removed from my report without delay. 

The presence of these fraudulent accounts is causing me significant distress, as they do not accurately reflect my credit history or financial behavior. This situation is severely impacting my ability to pursue key financial goals, such as purchasing a home and supporting my family. 

I urge you to resolve this issue promptly. If the matter remains unresolved, I am prepared to take legal action to protect my rights and ensure this situation is corrected. 

Thank you for your immediate attention to this matter. I look forward to your swift response.
Product: Debt collection

I've been dealing with these collectors for some years now and they keep telling me I owed that and I told them that I don't know nothing about this debt but they still persistent calling me and and rude
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This account doesnt belong to me, I never had any account with this company, I NEVER had XXXX  before and theyre saying I had account for one day with them which I dont understand. This was already removed from my credit report, but they keep sending different debt collectors to come after me. I just dont understand why.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Complaints : XXXX. XXXX  XXXX XXXX, IA XXXX Dear Madam/Sir : XXXX XXXX XXXX is still showing my account as negative and this aged tradeline has still not been removed. 

Experian refuses to delete the tradeline, relying on XXXX inaccurate reporting of the account. The fictitious account debt ( that I did not and do not owe ) that was originally from a delinquent debt with XXXX XXXX in XXXX that it sold to XXXX. 

As such, the debt associated with the account collections is now over 7 years old and must be removed since any debt over 7 years old must legally be removed from a credit report.

Moreover, by furnishing false and misleading formation to the Credit Reporting Agencies, XXXX is in violation of the multiple CFPB consent orders that are currently in place. XXXX has been the subject of multiple enforcement actions by the government. 

Please ensure that the XXXX tradeline is deleted from my credit bureau reports as soon as possible.
Product: Debt collection

On XXXX XX/XX/XXXX i received a call at XXXX from Capital One regarding a past due account that was currently 152 days past due. The representative said i need to make a payment in the next 3 days before the account would be closed and charged off. 
Given this information {$400.00} payment was made. I reached out to capital one on XX/XX/XXXX regarding the account still being " restricted ''. I was able to speak to XXXX - Senior account Manager. ( Employee ID : XXXX ) who advised me the account has been closed since XX/XX/XXXX. Capitol One Representative lied about the account to get a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX : {$5300.00} ; XXXX CARD XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

I have made payments they were returned and sent all documents and they end up needing more. Like they do not want to let me keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
we've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the IdentityTheft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the IdentityTheft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXX, XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}
Product: Consumer Loan

I am making payments on my.car and found out though my credit report they are not on their along with my other creditors.So i just need to know what to do about this matter.They are not reporting my payments to the credit bureau. 
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Product: Checking or savings account

When I try to log onto my account, with Citibank, I am requested to supply the number of an ATM debit card. A card I never received. When I called to report the problem, they ask me for the savings account number linked to this card. I do not have that information, lost ( i.e. email deleted ) as all set up online and paperless. They ask for SSN and my special word attached to the account, but their system also requires the savings account nbr, which I can not supply, so they stop helping. 
I am told to go to a branch. Well Citibank closed all branches in Colorado, and only have branches in a very limited amount of states. Citibank is head quartered in South Dakota. So they have a branch in XXXX XXXX, XXXX miles away from me. 
My other option is mailing their bank division and hope they will reply and help. 

At this time, I can only pay my credit card, over the phone, nor can I add make a credit or debit to my savings account. 
Also if the card was mailed, how do I not know it was stolen, or return to Citibank as they could have used an invalid address. 

If I do not get access to my account, I will be unable to obtain my 1099 needed for my tax return. And with the good interest rate, I am unable to put more money into the account.
Product: Credit reporting or other personal consumer reports

Last XX/XX/year> I noticed a student loan on my credit report that I did not apply for. I sent letters to XXXX, Transunion and XXXX asking them to verify and validate the account they did not send me any information and declined to remove it although they had no supporting documentation to keep reporting the account. The XXXX reporting agencies are reporting stolen debt as I did not give any written consent to any school or XXXX XXXX XXXX XXXX to have my personal information. This is a violation of my privacy and I demand this to be removed immediately.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  {$400.00} the account is not accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I noticed that Transworld Systems was reporting a collection account with XXXX XXXX XXXX XXXX on my credit report. I am not familiar with this account. I reached out to Transworld Systems several times via letters asking them to validate this account or remove it from credit report and they have not responed to any of my letters.
Product: Debt collection

Amsher collections recently had contacted me by phone on several occasions in an attempt to collect a debt. I was asked for personal information and then I asked what was this debt concerning. When I told the representative that this was not mine, because I am still actively still with the company she claim this debt is from, she began to speaking very sassy and argumentative about she knew it was my debt of $ 600+ and I was going to pay. I continued to explain to the representative that I still have active service with this company which is XXXX XXXX so how is it that I owe them {$600.00} + dollars but currently talking on my device??? She then told me she would follow the next step and began filing on me and now my credit has negative remark from an account that does not belong to me.
Product: Consumer Loan

In XXXX I owned a one person, one XXXX company and a XXXX business. Business was good and so was my credit. In late XXXX XXXX work started slowing down and so did my XXXX that are workforce occupied. In XXXX things got worse and then worse yet on XXXX and XXXX. Because of my good credit I had several credit cards with high limits, thinking the slowdown was temporary, my credit card balances got higher and higher until they were shut off and not being able to pay were defaulted. 
In XXXX work started to pick back up and I began settling accounts until I had paid off or settled every account that had contacted me. In XXXX I had partnered with some people to buy some vacant land and was elected XXXX XXXX XXXX, " XXXX XXXX XXXX. '' The bank that the company had an account with sent a " sign and use '' credit card that was also defaulted in early XXXX because the window of opportunity for the development of XXXX had closed on the owners. I lost {$32000.00} in the vacant land deal. 
In XXXX of XXXX I received a call from a person who said he represented a collection agency that had purchased a bundle of old accounts and realized that the one for XXXX was about to pass the statutory limit for prosecution. He stated that because it was so close a law suit would be filed the next morning, but that he had convinced the company to allow him to reach out to me to try to settle the account. He stated that with a signed agreement he would be able to work out an agreement that included deep discounts to the total balance. I asked for time to consider this but he stated that he was leaving the office in ten minutes and the suit could only be stopped if I signed and faxed an agreement that he had e-mailed me. Because I did not want a suit filed against me I signed the agreement and faxed it back. 
Almost immediately I began to suspect I had been conned. With just a little research I determined that this account had been in default for almost 6 years. The law in FL requires a legal attempt to collect on this kind of contract within 5 years. I did not make any payments required by the agreement that I signed because I was lied to. In XXXX XXXX I was filed on and responded to the court with the the above information. In XXXX XXXX there was a hearing and because I had not answered the suit in affidavit form, it was if I had provided no answer at all. The judge stated that she felt she should continue this case to allow the correct format but the plaintiff 's attorney argued vociferously that his client deserved a judgement. The judge informed that I should have been more careful, that I should appeal this ruling and then gave the plaintiff a summary judgement. I contacted an attorney to appeal this judgement and his bill is already up to {$6000.00}. In the suit the plaintiff states he bought a group of accounts, that this was XXXX of, with " with no knowledge of their validity. '' I was lied and conned and then sued based on the lie and because of not responding in affidavit form now have a judgement against me and have had checking accounts garnished.
Product: Checking or savings account

I've had several times i sent money for services or products and the person didn't keep up there end and cashapp told me they couldn't help
Product: Debt collection

FCRA SECTION 605 B REQUIRES THEM TO BLOCK THE FRAUDULENT INFO ON MY CONSUMER REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR BUSINESS DAYS.

LAW 25 US SODE 6802 STATES NO FINANCIAL INSTITUTION CAN SHARE MY NON PUBLIC INFORMATION WITH A THIRD PARTY ENTITY.

ACCORDING TO FCRA SECTION 605 IT IS ILLEGAL TO PUT ANYTHING ON MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION. PLEASE REMOVE THESE NEGATIVE, FRAUDULENT ITEMS FROM MY CONSUMER REPORTS IMMEDIATELY.

My rights and my privacy have been violated and I demand financial compensation for the needless time and energy expended on disputing inaccurate information on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Kia Motors Finance is reporting that I missed a payment and I have not missed a payment. 
This dropped my score XXXX points and I need this corrected. I have paid every month, never missed a payment Thanks
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security XXXX. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result ofyour violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you failor refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which aregreater than {$1000.00}. 

Send payment immediately via Certified Funds to : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Attached are copies of my state ID. 

Warm Regards, XXXX VIRGINIA XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$430.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$430.00}.