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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 XXXX CARD XX/XX/2022 XXXX-XXXX  XX/XX/2022 XXXX CARD XX/XX/2022 XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Unauthorized inquires to my credit reports Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has repeatedly denied me access to my own credit report after i have sent in to their dispute/identity center at least a dozen times a copy of my ID, SS Card, and Proof of Address in XX/XX/2016.. Each time they are claiming that when i call in or try and access the report online that my own information is invalid, that my IDs are not correct and/or that the security questions I answer over the phone or online are wrong. 

I am not sure what is going on but for the last at least 2 years ( since XX/XX/2016 ) since i disputed two wrongful collections ( XXXX XXXX XXXX ) on my file with Equifax, I have been unable to access my credit report and the dispute never was resolved. 

I am being treated unfairly and have no idea where the copies of what they are requesting are going. When I call i am treated rudely, yelled at or degraded and when i finally get someone who is helpful they tell me that everything i verify is not true. 

I've asked for an investigation multiple times as i believe the data is not correct or merged with someone else. I send what they ask to prove my identify and they say it's not enough or to send it in again. I have literally done this two dozen times and all i am trying to do is get something removed from my credit report but i am not allowed to access it myself to do so ( only lenders apparently can ) This is ILLEGAL!
Product: Debt collection

I checked my job VM system and saw this number  XXXX  I thought it was my client so I listened to the message. It was someone who said his name was  XXXX   XXXX  from  Alliant /capital? managemen  XXXX  calling to get my side of the story on a debt I owed before legal actions were taken he said I needed to call  XXXX  him that day  XXXX / XXXX /  XXXX   by  XXXX  ... First off this is my job he called on a Monday which I do n't work Mondays so there was no way I could have called him back secondly I can be terminated for these types of calls and I have no idea what debt they are speaking of I have not signed any contract with  Alliant Capital Management..
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that Equifax will investigate this account further for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : XXXX Bank # XXXX
Product: Credit reporting or other personal consumer reports

checkr is reporting inaccurate information about me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These records are inaccurate and their continuous reporting of these on file is a source of distress
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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/year>
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX  Credit Bureaus must update the following accounts from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

hello my name is XXXX XXXX my car was tow and damage about a year ago. I went through you guys to have the issue fix I also let the company no that my car was making an strange sound after been towed they denied the noise or damage that could have been done and only fixed what was visible ..I have been out of several thousands of dollars since than repairing a car from the ropessions. Each dealership I take the car to states that depending on how my car was repo it could be that the damage my transmission the company states the have pictures showing my car was tow correctly while I show other wise if my car was tow correctly why and how did the damage it in the first place credit acceptance account XXXX the supervisor stated if you need further assistance and still having issues reach out and we will help but since reaching out the are unable to assist me
Product: Credit card or prepaid card

i have in my history credict hard inquires from capital one i call them and they take my information and see one credit card that is all ready close and payoff not due but in my history credict i still have this hard inquires from XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

I was illegally thrown out of my home after 16 years and paid over {$500000.00} for my home tha sold for {$330000.00}. 

I was also arrested for trespassing on my own property when the deed is in my name. 

There is no proper paperwork filed on public record accept the deed being in my name. 

XXXX claims ownership but has no evidence of this lawfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  Company bought my home loan in XXXX of XXXX. When the loan transferred to them I set up automatic payments to be taken out of my checking account. This happened on XX/XX/XXXX. I set up auto pay to start in XXXX. I also made a payment on XX/XX/XXXX for XXXX. I have attached proof of this payment. The auto withdrawal was never taken out on XXXX end for XXXX and XXXX. When I became aware of the issue on XXXX end, I immediately made payments on XX/XX/XXXX and XXXX to become up to date with my loan. I have attached proof of those payments. XXXX put negative information in my credit report that I was 30 days past due for XXXX and XXXX. I asked XXXX to take those two hits off of my credit and they have refused because they said there was no error on their part. I have attached an email from XXXX XXXX at XXXX, where he states that I set up auto withdrawal on XX/XX/XXXX. This was an error by XXXX and I would like the two hits taken off of my credit report. I am unable to buy a new home at this time due to the hits placed on my credit by XXXX. 

It is important to note that I am not alone. XXXX had XXXX complaints filed with the XXXX  for XXXX, and XXXX total complaints over the last 3 years. Many of those complaints are people whom have had the same issue as myself. Also, XXXX XXXX  XXXX has been involved in multiple lawsuits, including class action lawsuits, that allege mishandled payments, improper fees, and unlawful debt collection practices. 
Convenience fees In XXXX, a class action lawsuit was filed against XXXX for charging unlawful convenience fees on telephone mortgage payments. The lawsuit alleged that the fees violated federal and state laws. The parties settled the lawsuit for {$1.00} XXXX, and XXXX agreed to stop charging convenience fees for at least two years. 
Debt collection XXXX has been accused of violating debt collection regulations by making excessive calls and failing to send timely debt validation notices. In Massachusetts, XXXX settled with the AG 's office for {$970000.00} and agreed to make business practice changes. 
Payment mishandling Borrowers have filed lawsuits against XXXX alleging that the company failed to record payments, improperly charged fees, and mishandled corrections. For example, one borrower alleged that XXXX repeatedly misapplied credits, resulting in late payments and fees. 
Other lawsuits against XXXX  include : XXXX XXXX XXXX XXXX  XXXX XXXX : This case was certified as a class action in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. In this lawsuit, XXXX XXXX sought to enjoin XXXX as her mortgage servicer.
Product: Debt collection

I have a derogatory report on my credit report from a AmSher for {$1200.00}. The charge was submitted by XXXX XXXX XXXX in XXXX of XXXX. I have contacted AmSher and have started the process to have this charge dismissed. I have never been contacted by either AmSher or XXXX XXXX  about this matter.
Product: Debt collection

On XX/XX/XXXX- I got a notification from my XXXX credit report that a collections was reported and my score dropped about 20 points. 

Company : XXXXXXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX I called and asked about the debt, I was then referred to another company - Armin O'Conner and Bach - at XXXX - that wanted me to pay {$1200.00} but had absolutely NO details about the debt except that it is from 2018. 

I have no idea what the debt is, who the original creditor is, the amount or anything but it is reported on my credit.

I was then called 5 times within TWO hours- including voicemails and text messages.
Product: Debt collection

XXXX used AmSher collection service, to collect bills of {$770.00} from me for services that I never used, and have reported this to the three credit bureaus which significantly hurt my credit score and other activities. 
I have explained this to the AmSher collection service and point out they do not have evidence of this collection and they continued to enforce this payment.
Product: Mortgage

We are now in our 2nd year and our 2nd attempt of trying to get a loan modification, Chase our mortgage holder has done everything possible in putting obstacles to getting it done, Including fraud and out right LYING
Product: Mortgage

TCF Bank sold me a terrible loan in 2006 under the terms of 7.25 % for 40 years with zero money down. I was likely taken advantage of, but nonetheless I did sign to the terms. I 've never missed a payment since, and I 've called to refinance. They will not refinance my loan because my LTV ration is not 20 % or greater. Because of the loan structure, in 9 years I 've only paid {$6000.00} in principal. Other banks would be happy to work with me and refi, but my home does n't appraise for the XXXX ratio. My loan does n't qualify for HARP either. I 've asked TCF to work with me and adjust my loan but they wo n't, and wo n't return my calls. I even mailed them a letter. I feel very much stuck, as I ca n't refinance and/or sell unless I want to bring over {$30000.00} to closing.
Product: Credit card or prepaid card

Navy Federal Credit Union drafted XXXX on XX/XX/2022 from my checking account for a charged off Credit card balance. I asked to have it refunded and set up payment arrangements. I was declined a refund. XX/XX/2022 XXXX was drafted for charged of credit card from my checking account. I want my money refunded and I will set up payment arrangements.
Product: Debt collection

We have requested debt validation from Monterey Financial in writing and they have refused to provide it. We ask that the debt be returned to the original creditor so we can continue to work things out with them. 

Thank you, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Unauthorized Credit Report Activity Due to XXXX XXXX Breach To Whom It May Concern, I am writing to formally dispute and demand the removal of any unauthorized accounts, inquiries, or other credit-related activities on my credit report that may have resulted from the XXXX XXXX Breach XXXX I invoke my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( FCRA 605B ), which allows me to block information resulting from identity theft. The accounts that these apply to are listed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under permissible purposes, none of which apply to instances where my data was compromised without my explicit written consent. Additionally, under 15 U.S.C. 6802, financial institutions are required to protect consumers ' nonpublic personal information and obtain explicit consent before disclosing such information. My personal and financial information was accessed without my authorization due to the XXXX XXXX XXXX, violating these statutes.Moreover, the unauthorized access and potential misuse of my personal identifying information fall under 18 U.S.C. 1028A, which criminalizes aggravated identity theft. I never provided written consent for my personal information to be compromised, obtained, or used by unauthorized parties, and any accounts or inquiries on my credit report resulting from this breach should be immediately removed. 

I demand that your agency take the following actions : Remove all fraudulent accounts, inquiries, or information associated with the XXXX XXXX XXXX from my credit report. 
Provide a written response confirming the actions taken and a corrected copy of my credit report. 
Ensure that my credit file is protected against future fraudulent activities. 
Enclosed are copies of my identity documents and any supporting evidence to assist in the resolution of this matter. If this dispute is not resolved within the legally mandated timeframe, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. 
Please acknowledge receipt of this letter and confirm the resolution of my dispute in writing at your earliest convenience. Thank you for your prompt attention to this matter. 

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

I checked my personal credit report, which I acquired from your organization on XX/XX/2021 and I noticed that these unauthorized inquiries had been made
Product: Debt collection

On XX/XX/2019 I sent out a validation letter to Louisiana Recovery Service to validate how this is my debt since it was reporting on my credit report. I havent heard from them and have never did business with them prior to checking my credit report. However, after attempting to contact via certified letter and tracking the letter ; it is showing me that it was scheduled to be picked up at the post office and now it is saying reattempt to deliver.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of unauthorized child support information that has been added to my credit report and/or public records. This information was disclosed without my explicit consent and is not related to any credit inquiries or transactions I have authorized. This unauthorized disclosure has resulted in significant harm to my credit profile and has compromised sensitive personal data that should have been protected under federal law.

I remind you that under 15 U.S.C. 1681b, consumer reporting agencies are strictly limited to furnishing information for specific permissible purposes. This situation does not meet any of those criteria, making the inclusion of this information in my report illegal. Furthermore, under 15 U.S.C. 1681s-1, government agencies are mandated to safeguard consumer data. It is clear that this obligation has been violated in my case.

I demand immediate rectification of this matter, including the complete removal of this child support information from my records. Failure to comply promptly will result in my seeking all available legal remedies, including reporting this violation to the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages under the Fair Credit Reporting Act ( FCRA ).

I expect a written confirmation of the corrective actions taken within the next 10 business days. Any further delay or failure to address this issue will leave me with no choice but to escalate the matter aggressively.
Product: Credit reporting or other personal consumer reports

I am taking action to dispute and investigate these accounts as they are being wrongfully reported on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} for each incorrect entry. I understand that FCRA 605B mandates reporting any incorrect accounts on a consumer 's report.
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes and mailed them to XXXX, XXXX, and Transunion. They have not provided methods of validation. They have not fixed the errors in my credit report. They have also not mailed any results or updated credit reports to my address. Please assist me in fixing my credit report. I have attached the letters to this complaint.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 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 these 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

I disputed two fraudulent accounts on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After I submitted dispute XXXX began reporting XXXX XXXX as open When it was previously closed I submitted an ftc report along with my formal dispute vis USPS certified mail.. 

THEY REFUSED TO DELETE ACCOUNTS although I have provided proper proof
Product: Credit card

I had an unauthorized transaction on my Bank of America credit card on XX/XX/2023 in the amount of {$620.00}. I've filed a chargeback with Bank of America regarding the charge and it was denied because the transaction matches " previous charges I've had with XXXX XXXX ''. 

I have purchased from XXXX XXXX before and made several purchase for XXXX. The {$620.00} does not match any of my online or in store transactions. 

Bank of America refuses to investigate further and will not refund my {$620.00}. 

I've contacted XXXX XXXX and they can not help with anything associated with the charge because it was not through a XXXX XXXX credit card and have asked me to contact Bank of America.
Product: Debt collection

XX/XX/2019 one person request buy products to my company and send a 2 letters requested charge for $XXXX and $XXXX USD And copy of id , copy credit cards for both sides , receipt of charge signed for card holders after 1 month i receive a dispute from American Express for $XXXX and i sent copy of documents they back funds and put in their page non fraud after some days they debit again the funds and today they want to debt more money $XXXX USD they receive all
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # 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
Product: Credit reporting or other personal consumer reports

Inquiries are not mine lXXXX XXXX balance incorrect
Product: Consumer Loan

I called Nissan XXXX to make payment I requested automatic payment they told me there setting up automatic payment they did n't set up automatic payment instead they put XXXX late fees on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the account XXXX XXXX XXXX account # 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 written instructions.