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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, 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 USC1618 Account name # XXXX XXXX - XXXX XXXX XXXX XXXX I, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 602 A : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crime which antedates the report by more then seven year.

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, credit repair services, or other personal consumer reports

Problem with Trans Union for allowing incorrect information to show on my credit report. According to FCRA section 609, when the consumer disputes an item and request for the original contract with my signature to be produced to me to prove the ownership of this fraudulent accounts. They have 30 days to produce and they do not produce contract with signatures, but allow these accounts to stay on my report. I have written and disputed this produce and no correction has happened. 
1 ) XXXX XXXX  original creditor XXXX XXXX  2 ) XXXX XXXX  original creditor XXXX XXXX 3 ) XXXX XXXX  original creditor XXXX  XXXX I have not done any business with these companies. 
Thus I am requesting an original contract with my signature and date. If they can provide it these three accounts must be deleted.
Product: Debt collection

I am writing regarding a concerning collection entry I recently discovered on my credit report from your agency. This collection item was previously unknown to me, and I have serious doubts about the validity and accuracy of the debt being claimed. 

Under the Fair Debt Collection Practices Act, I have the lawful right to request that you provide proper validation and verification of this alleged outstanding debt. I am formally invoking that right and demanding you furnish me with the required documentation and evidence proving the debt 's legitimacy. 

You must supply a complete and satisfactory validation response within 15 days of receiving this letter. Failure to do so within the mandated timeframe will be considered a violation, for which I will pursue legal action and seek monetary damages.
Product: Checking or savings account

US Bank has a history of conveniently posting transactions 7-10 DAYS after the transaction is made. The transaction will show in your available balance, and then disappear, leaving it extremely difficult to manage an account using their online banking system.

On XX/XX/XXXX, at approximately XXXX XXXX, my account was positive, though held a balance according to them of just under {$1.00}. On XX/XX/XXXX, a deposit was made to the account to fund the account per my spouses pay check. US Bank posted transactions made a WEEK AND A HALF prior in the overnight hours prior to the deposit, causing the account to overdraft and subsequently charged an overdraft fee. In my attempt to resolve the issue, the customer service representative became argumentative and tried to school me on the status of an account that I check MULTIPLE times a day. While I no longer wish to use this Bank, as they have a history of treating their customers like numbers, I want the overdraft fee that I was unfairly assessed refunded to my ch
ecking account.
Product: Debt collection

Hunter Warfield has a very unique style of harassment. They increase the amount of collection balance by only $ XXXX and report the new amount every month. So every month my credit score is injured by the fresh bad collection activity. They also call 4-5 times a day despite my telling them not to. The apartment building that charged me for paint an carpet are criminals themselves, I had reported the maintenance issues three times over the year I lived there. I am not paying the landlord for work that they should have fixed while I lived there and now they have Hunter Warfield trying to collect and hurting my credit monthly. This is a three year old claim!
Product: Debt collection

am disputing an alleged debt of {$440.00} reported by Midland Credit Management ( MCM ) and originating from XXXX Bank ( XXXX Credit ). The claims related to this debt are inaccurate and unverifiable based on the following : Unrecognized XXXX Credit Accounts : XXXX linked the debt to XXXX XXXX XXXX account numbers ( ending in XXXX and XXXX ) that I have never opened or authorized. 
I have had a XXXX account for 12 years, tied to my email address, but I have never had a XXXX XXXX account with digital account numbers as claimed. 
Positive Balance and Payment History : On XX/XX/year>, I received a XXXX payment of {$910.00}, which should have fully covered any outstanding balances. 
I maintain that my account had a positive balance, leaving no possibility of owing money. Despite this, XXXX Bank issued a statement for {$160.00} in XX/XX/year> without explanation. 
No Grammarly Purchase in History : MCM claims the debt includes a Grammarly purchase in 2023, yet : My XXXX transaction history shows no such purchase. 
My Grammarly subscription was canceled on XX/XX/year>, as confirmed in an email from XXXX. 
Documents provided on XXXX 's website under this case show no transaction history for a XXXX purchase. 
Request for Validation Ignored : I have contacted XXXX Bank and XXXX multiple times to request validation of the debt, including : Proof that I authorized the XXXX Credit accounts tied to the alleged debt. 
A full transaction history and explanation of how the {$440.00} balance was calculated. 
Confirmation of whether XXXX itself was consulted during this investigation. 
To date, neither XXXX Bank nor XXXX has provided adequate validation of this debt. XXXX continues to report this collection to credit bureaus, harming my credit score, and has made repeated unauthorized credit inquiries.
Product: Debt collection

Charleston Area Medical Center, sent me a MEDICAL BILL, for XX/XX/XXXX, for : {$860.00}. But I contacted XXXX VA, ( spoke with XXXX today, XX/XX/XXXX ), that works there, & he told me MR. XXXX, YOU ONLY OWE {$19.00} ... TOTAL!! 

I ask XXXX from XXXX VA, WHY? FOLKS LIKE THIS DO THIS..? XXXX TOLD ME THIS IS FRAUD!! Because they are trying to collect the WRONG AMOUNT, on your Wife 's Bill.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Product: Credit reporting or other personal consumer reports

TransUnion only deleted one account from my credit report, despite my claims that multiple accounts were fraudulent due to identity theft. I provided the necessary proof, as they requested, to confirm my involvement as a victim of identity theft. However, they continue to send letters stating that the remaining accounts are accurate, failing to comply with Section 605B of the Fair Credit Reporting Act, which requires them to block and remove fraudulent information within four days of receiving proper documentation. Ive explained that I lost my wallet containing my ID and Social Security card, and combined with data breaches, this has left me vulnerable. Despite this, TransUnion is refusing to remove the remaining negative accounts, making the process unnecessarily difficult.
Product: Credit reporting or other personal consumer reports

I was really upset to discover unauthorized inquiries on my credit report this morning, and I have no idea how they got there. I checked my report like I always do, but this time there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries didnt disappear. I urgently request that the documents I've submitted be reviewed carefully so that I can finally put this worry to rest.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Product: Money transfer, virtual currency, or money service

I was unaware that my cash app account was hacked and was used to send {$200.00} dollars to someone. I am here to put in a complaint ASAP as I caught it early before the money has been taken out my bank account. I tried asking for a refund to whoever the money was sent to and they declined my refund
Product: Checking or savings account

On XX/XX/2022 without notice I realized I couldnt log into my bank account online. The same day I called the customer service number and they said it had been closed and gave no explanation and didnt say when my funds of {$6100.00} would be returned to me. They told me to call a branch or walk into one. I called my nearest branch in XXXX, PA and the said the balance is zero and they are not sure if my final account check was mailed to me.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Inquiries/Accounts on Credit Report Dear FTC, I am writing to formally complain about unauthorized inquiries and/or accounts on my credit report. My name is XXXX XXXX, and my Social Security Last 4 digits are XXXX. I have recently reviewed my credit report and noticed several unauthorized inquiries/accounts that I believe are fraudulent. 

The specific entries in question are as follows : Account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are not related to any transactions or accounts that I have authorized. I am concerned about the potential impact these unauthorized entries may have on my credit score and my ability to obtain credit in the future. 

I have taken the following steps to address this issue : Contacted the creditors involved, but have not received a satisfactory response. 
Disputed the entries with the credit reporting agencies, but the inquiries/accounts remain on my report. 
I kindly request your assistance in investigating this matter further and taking action to remove these unauthorized inquiries/accounts from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

NCA placed an account on my credit file and I have no idea who the company is. They then sold my debt to a firm/ Debt collector XXXX XXXX XXXX who are apparently in XXXX Michigan XXXX I do not live or have I ever resided in Michigan. They also continue to call me and has threatened me with a lawsuit to try and obtain the funds. 
I do not have any idea who these people are and they provided a stack of papers with everything on their saying redacted so no real information was provided it also has a none written but an electronic printed signature which is not mine. I am not familiar with this company and who they are but they continue to Harass me. 
Not to mention they tried to sue and I am in a completely different State so they are implementing scare tactics, without providing any real valid information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because XXXX XXXX  refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and XXXX XXXX  as well as their respective lawyers trying to collect this debt are aware of all of the facts. If XXXX XXXX ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that XXXX XXXX  can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX XXXX, Commonwealth of Massachusetts, Probate and Family Court Department. XXXX XXXX  continuing with a negative reporting of the XXXX XXXX credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I called the Citi Travel Desk ( XXXX ) in order to make a booking using the Citi 4th Night free benefit and my corporate XXXX member code. This is not doable online, unfortunately, so I had to call in to make the  reservation. I was marking a reservation at the XXXX XXXX XXXX  XXXX, XXXX Downtown, from Sunday, XX/XX/XXXX through Thursday, XX/XX/XXXX ( 4 nights ). The travel concierge put me on hold to call XXXX and make the booking, but we were disconnected during this process. The concierge did not attempt to call me back, and I did not authorize a charge or total amount. I did not receive a confirmation email from either Citi Travel Center or XXXX. 

On XX/XX/XXXX, I called the Citi Travel Desk again. I told the agent that I had been disconnected on a previous attempt making this reservation, and asked them to check and confirm that it had not been successfully made. They indicated that there was no record of the reservation, and I should proceed to make a new one. I received an email indicating that this reservation had been made, for a total of {$550.00} before the 4th Night Credit. This reservation was a refundable corporate reservation, for the same property and same dates as noted above. 

On XX/XX/XXXX, I opened my XXXX account to print out my reservation details prior to my trip. I was surprised to find two different reservations for the same property in my name. One was the expected reservation under my corporate code, and another was a non-refundable booking made at the normal daily rate, for a total of {$590.00}. I checked my credit card statement, and saw the charge from XX/XX/XXXX for this amount. 

I called the Citi Travel Desk to figure out what had happened. They indicated that they had no record of the nonrefundable reservation having been made, and no reference to it in their system. They attempted to contact XXXX to obtain additional details ; XXXX indicated that the travel agent number and email addresses matched XXXX 's contact information. XXXX indicated to me that because they had no record of this reservation, it would not be eligible for the 4th night credit no matter what course of action I took. 

Seeing as I had not authorized the charge at any rate other than the corporate rate I was trying to book, that XXXX had incorrectly directed me to make a second reservation, and that even if I kept it, it would not be eligible for the 4th night free benefit, I proceeded to contest this charge.

After disputing, Citi resolved the claim in favor of themselves, indicating that even though I had not authorized the charge by Citi Travel Center and the Citi Travel Center actually *lost* the booking, it was a non-refundable charge and thus I am liable.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filed and have a XXXX  police report for identity theft, and contacted indiana general attorney office because On my credit report appears my current address on XXXXXXXX Texas  addressees I never lived, accounts I never requested, employment sites I never worked, any other names I never used, phone numbers I never had before, and im a identity theft victim some one is is using my identity on XXXXXXXX tx, and I never lived over there, im scary I hope yall can help me about that When I requested a credit report I seen all information dont belong to me and also on my credit report appears a high income I never had in all my life Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 ( a ) ( 1 ) States that the consumer report is inaccurate & unfair.

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Product: Debt collection

Impersonates as a 'Marshall '' as in a law enforcement officer. leaves very threatening voicemails which you are not supposed to leave personal information on a voicemail since you could be compromising someone 's privacy. Falsely claim that there is a court case and that I will be arrested unless I pay today, etc., which of course there is no court case and all claims are false. I have repeatedly told them to stop calling and they refuse and insult me.
Product: Debt collection

On XX/XX/2022 I received documentation from CAVALRY SPV I , LLC claiming that I owed them an alleged debt. First off, 18 USC 8 states that all debts and alleged debts are the obligations of the United States. Cavalry SPV and any person aiding them in the collection of any alleged debt shall follow the guidance in 15 USC 1692 ( Fair Debt Collections Practices Act ) and any violation of any section of this title will result in civil liability for actual damages. Cavalry SPV not only failed to provide documentation of an agreement bearing my signature I have with them stating I owe them an alleged " debt '' but they also furnished a deceptive form ( 15 USC 1692j ) to trick me into believing I owe them anything! The abuse and harassment I have received from the criminals at Cavalry SPV will not be tolerated especially when their claims can not be verified.