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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX Transunion XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4200.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$570.00} XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$230.00} **Inquiries** XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic I lost my full-time job. I was unable to pay my rent and bills. I had to make a decision and I decided to leave the home I rented to live with a family member. During that time I reached out to XXXX XXXX XXXX. I explained to them my situation and asked if I was able to get on a payment arrangement. They said I was unable because I had turned off services. I explained to them that I don't want this to go on my credit. I made it clear that I couldn't pay {$520.00} straight out my pockets. They still refused but made me aware that it doesn't go on your credit right away and that it could take almost years. I then reached to the Public Utilities Commission to make a complaint. After they investigation, they indicated that they couldn't do anything. Now again they sold my gas account to a collection agency. The collection agency The CBE Group INC- Former is asking me for money. It is against the law to sale personally information that I didn't allow.
Product: Debt collection

Recently I received a letter from Debt Collection named Tek-Collect. Which seemed to me totally fraud and sent as ..... 

Date : XX/XX//2023 Reference : XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Where they have mentioned, they are going to collect {$230.00}. 
I spoke with XXXX XXXX XXXX regarding that above mentioned matter last week. But they said that it could be something wrong. At the same time I told them to send me a letter that it was sent mistakenly, but unfortunately till now I didn't receive any apology through mail or email from them. 
I am looking forward to take the necessary action against them.
Product: Credit card or prepaid card

I just opened an account with Citi in XX/XX/2019. In XX/XX/2019, just 3 months later, I logged onto my account to transfer a balance from another credit card to the Citi account. I was surprised to learn there was a payment overdue and late charges were added. I called Citi customer support and asked about the two charges and late fees. The two charges were linked to a "XXXX" account and I haven't had a XXXX account in years so I was suspicious of this activity and mentioned it to the representative. The representative seemed to understand my situation and tried to waive the late fees and issue a new credit card but was unsuccessful so he gave me a number to call and transferred me to the other department. This representative was also unsuccessful in trying to waive the late fees and transferred me to yet another dept. All I got from this call was a computer-generated message saying "fees cannot be waived" and the call disconnects. I filed a complaint with CFPB XXXX and the response XXXX XXXX was confusing. as a disclaimer was on the second page of the letter, leading me to believe that the letter was never signed by a representative of Citi. When I reviewed the letter again I noticed the representative's signature on page 3 and I also noticed her response was in regard to a "discrimination" complaint. Clearly Ms. XXXX never read my complaint as it was about possible fraudulent charges and subsequent late fees, but since Ms. XXXX mentions "discrimination" I would also like to file a "discrimination" complaint. Ms. XXXX goes on to say, "During our investigation into your concern about discrimination, we found our action on your account was consistent with other customers in similar situations". Unless Ms. XXXX can prove that Citi has a verifiable history of Senior Citizens that had potential fraudulent activity on their account and were never notified about monthly payments within the first 3 months of service, then I allege Citi discriminated against me because of my age. I was never notified of monthly payments, I do not have a XXXX XXXX account and the activity appears to be fraudulent. Despite being informed of my situation Citi has done nothing but charge late fees and I believe I am being discriminated against because of my age.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously disputed a judgment account XXXX that was erroneously showing on my LexisNexis file back in XX/XX/XXXX. THis is my 4th dispute regarding this account because LexisNexis has refused to comply with FCRA 611 part ( A ) ( 1 ). <P/>In their letter dated XX/XX/XXXX in response to my 3rd dispute regarding this erroneous judgment account XXXX that they verified that this account was associated with me, XXXX XXXX. However, the LexisNexis investigator intentionally ignored a copy of the court judgment order showing that in response to my motion filed on XX/XX/XXXX to have the judgment account XXXX set aside pursuant to VA code 8.01-428 ( ii ) void judgment was granted and this default judgment account that was entered against on XX/XX/XXXX was set aside on XX/XX/XXXX. <P/>Therefore, LexisNexis can not just suppress this judgement account now that was set aside by the court and now that account no longer exist that was previously granted. <P/>LexisNexis refused to comply with the FCRA 611 part ( A ) ( 1 ) when they failed to respond and were required to delete the account. Now the judgment account XXXX has been set aside therefore they are required to delete the account completely from their files. They still do not want to comply but suppress a record that has been set aside by the court and no longer being valid. <P/>This continues to show that LexisNexis does not comply with the laws regarding consumers and continues to violate the law. You should be able to see if they are continuing to violates my rights by failing to properly comply to remove and delete an account that now has been set aside by the courts, how many millions of consumers rights are they violating. <P/>Please see my attached letter dated XX/XX/XXXX that I specifically address the judgment account being set aside by the court on XX/XX/XXXX and provided certified copies of the paperwork from the court showing the judgment that was entered had been set aside. I also provide a copy of their 3rd response letter that show how they continue to state that they have verified the account which is now false because as of XX/XX/XXXX this judgment has been set aside.
Product: Debt collection

XX/XX/year> I received an email that stated that XXXX credit was approved for a purchase of {$190.00} and that the first payment of {$32.00} was due to XXXX for a purchase made from XXXX Basics ( on-line clothes company ). I knew this had to be a scam because myself or my husband did not purchase anything from this company and neither of us have ever used XXXX. I received an email almost daily saying my payment was overdue. Again I ignored this because I receive many scams a month. The beginning of XXXX I received an email that said this {$190.00} was turned over to XXXX, a collection agency. I called XXXX XXXX  and XXXX and both of them do not have any record of an order from me, any information about me and said that I do not have an account with either of them. I have an email from XXXX Basics that states this. I then called XXXX debt collections and they stated that they do have my information that I owe this same amount to them. I asked them to mail me all information that they have connected to this debt. They stated they will do this. I have not received this yet. I called XXXX and they said that this debt is showing on my credit report. My XXXX plus XXXX XXXX is now XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate. The Balance is not correct and the payment is not correct and the balance history is different on the Experian, XXXX and XXXX. Please Delete per the FRCA 611. 

XXXX XXXX XXXX # XXXX
Product: Debt collection

Portfolio recovery called told me they were calling to collect a debt I asked them if they could mail me something with my signature along with something showing I had a agreement with them.I haven't received anything. They called again I asked them did they send anything out to me the person read off a address I never heard of I give them my correct address still haven't received anything in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you carefully read the documents that I put below you will understand my annoyance with these credit bureaus
Product: Money transfer, virtual currency, or money service

On XXXX, XXXX, I did a foreign wire transfer from my Chase bank account to my personal XXXX  bank account ( XXXX XXXX ) of XXXX XXXXXXXX that never arrives. 
On XXXX, XXXX I contacted Chase Bank and they told me that they already sent the fund, however, my bank never received the money. 
I already did a wire transfer to the same account in XX/XX/2023 without issue so the receiving account numbers were corrects and I knew something was wrong because the first time, it took less than a week for the funds to be transferred. 
They launched a recall request - inquiry number XXXX but to this date, my money hasn't been retrieved. 
On XX/XX/XXXX, I followed up and they told me they were still working on it. 
On XX/XX/XXXX, same thing and finally on XX/XX/XXXX, they close my case, saying that their severals attempts failed and asking me to contact the benefiiciary ( but I am the beneficiary! and my XXXX  bank never received the funds ). That is unacceptable that my funds were lost by Chase and I believe it is their responsability to refund me for the loss.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I submitted a letter on or about XX/XX/year>, requesting a one-time good will adjustment to remove the late payments from my credit report, giving me a second change to prove my creditworthiness. 

My reason is unexpected circumstances such as the pandemic, loss of income and construction of our home caused us to fall behind, but my salary has now returned to normal and I'm committed in make on-time payments.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Mortgage

My ex-husband and I own ( with a mortgage ) a co-op apartment in XXXX. As part of the divorce, he got to live there, and was supposed to maintain the payments. As it's a co-op, it has ( essentially ) HOA or maintenance fees. My ex-husband got very behind in the HOA fees, so much so that legal counsel for the co-op contacted the company holding/servicing our mortgage. The servicing company paid the HOA in full, and added the amount to our mortgage payment. All of which, while embarrassing, is fine. 
About then, I stepped in. I'll skip over the part where the servicing company refused to let me pay the arrears back in a lump sum, and that the many times I've called with questions the friendly folks on the phone were not equipped ( educated, trained, etc. ) to answer. 
For reasons not made clear to me, and without mine or my ex-husband 's permission, the servicing company now considers the legal counsel for the co-op to be the primary client. All of my mortgage statements, my tax documents, etc., are sent to a lawyer who is not in my employ, not representing my interests and ( if my conversation with the representative from the lawyer 's office is correct ), never asked for it. 
Please make them stop sharing my personal information with strangers.
Product: Mortgage

XX/XX/XXXX mailed XXXX payment to bank P.O. box  in XXXX, TX - considered late after XX/XX/XXXX XX/XX/XXXX received late payment notice including {$58.00} late fee - called customer service number and told payment may not have been picked up from P O box and fee waived XX/XX/XXXX called debt service in response to telephone message - told per bank 's tracking payment arrived at XXXX post office XX/XX/XXXX but had still not been picked up or posted to my account ; also stated credit reporting agencies would be notified if payment is not credited by XX/XX/XXXX and could avoid by making payment via telephone which I declined as check already delivered and received
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$200.00} XXXX XXXXXXXX XXXX Balance : {$700.00}
Product: Mortgage

Wells Fargo m aintains escrow account to pay  Flood Insurance  on my  two  mortgages. Submitted insurance bills to them on  XXXX  via Certified Mail. Called several times, was assured payments would be made. They have not paid the bills. An insurance lapse will increase each of my premiums $  XXXX  per year.
Product: Credit reporting or other personal consumer reports

Approximately XXXX weeks ago I contacted XXXX XXXX XXXX to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : XXXX, Experian, XXXX, and XXXX XXXX XXXX XXXX XXXX. I have yet to receive any response from XXXX XXXX XXXX, and they continue to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : XXXX, Experian, XXXX, and XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

Comenity Bank has been harassing friends and family for the last month regarding a credit card account with Victoria 's Secret that has not been paid on since XX/XX/2013. My mother has been called from multiple numbers and also unknown numbers through Comenity even after she asked for them to stop contacting her since it was not my number. Comenity told her they would not stop calling unless I called and requested them to stop. They also have told her my information regarding this account that I did not give them permission to discuss with her. I did call to request to stop calling her and all other numbers but my own and within a week they had called my mother 3 more times. I'm aware I have a debt and needs to be paid. But they have also threatened to sue because I would not/could not pay them when I called about them harassing my family. They have called my father multiple times, and even my mother 's ex-boyfriend whom I have not associated with in almost 15 years. When I requested a letter with my last statement and payment date they refused saying they could only send a letter with a balance I owed, but no breakdown of principal and interest and could not put in a letter when my last payment date was as my account was closed and in archives. I sent a letter to the address they provided me with to obtain this information and have stated they did not receive this and still will not send me a statement. I am still receiving calls myself but will ultimately mail a cease and desist letter if they can not give me this information. Unfortunately even after mailing that I do not think they will stop contacting me.
Product: Credit card

All XX/XX/. All from XXXX store number XXXX ( New Mexico ). Amounts on all 5 transactions {$18.00}, {$18.00}, {$20.00}, {$30.00} and {$23.00} I live in XXXX XXXX number is New Mexico XXXX I have not traveled anywhere out of state of Georgia. Next day XX/XX/ I noticed the charges and called the card company and reported it. I was told they took the report and it may take 90 days for the investigation. XX/XX/XX/XX/XXXXwas closing date on the account. Card company showed to credit Beu the charges and over 60 % utilization when in fact I had it paid off before the fraudulent charges. They sending me a new card and shut that card off but refuse to credit my account or freeze it. Matter of fact they said I need to pay at least minimum do until investigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 10 unauthorized inquiries on my XXXX, XXXX and Experian credit reports that I have requested to be removed. 

1. XXXX XXXX 2. XXXX XXXX 3, XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX 5 . XXXX XXXX XXXX 6. XXXX XXXXXXXX XXXX 7. XXXXXXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act 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 .Below I am listing all the accounts that I found was to be wrong. 

Account Name : XXXX XXXX Account : # XXXX Each credit bureau is reporting different late payment status as well as the date of last reporting. I have attached my credit report as well as proof of my letters being sent to the credit bureaus and no investigation being done. 

Account Name : XXXX  XXXX Account # XXXX I have asked for this account to be removed because the account is not mine and is someones account affecting my credit score negatively Each credit bureau is reporting different information and Experian doesnt even show this account belonging to me. 
Account Name : XXXX Account # XXXX Each credit bureau is reporting different " dates of last active, '' date of last payment, '' and " payment status. '' Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$6100.00} This account is only reporting from experian and no other credit bureau. I have already disputed this as a fraudulent account yet experian continues to hold this account on my credit report. 
Account Name : XXXX XXXX XXXX Balance : {$25000.00} This account is only reporting on XXXX and no other credit bureau. I have already disputed this as a fraudulent account yet XXXX now continues to hold this account on my credit report. Account Name : XXXX XXXX XXXX This account has so many inaccuracy from date opened, to balance due, payment status, and date of last active. The credit bureaus did not due an investigation into this account to verify the information is correct.. 
Account NameXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX This account is only reporting negatively to two credit bureaus which is XXXX and Experian. Which both these bureaus have different dates of opening as well as when the account was even active.