23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at MERCHANTS CREDIT GUIDE on XX/XX/year> under the account number of XXXX with a balance of {$1800.00} that appears related to fraudulent medical billing account opened at XXXX XXXX XXXX. This account has resulted in a fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned collection as reported. The aforementioned collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned collection is indeed the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer collection is indeed the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I just recently looked over my XXXX XXXX  account and I noticed that I have a fraudulent account listed there. I will be attaching an FTC report containing the said account XXXX XXXX  XXXX to be blocked FCRA 605B in 4 days. 
Thank you very much XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX XXXX an unauthorized cash transfer for {$9200.00} was withdrawn from my US Bank checking account by XXXX. The funds were sent to someone that I do not know and have never heard of and have never done business with. On XX/XX/XXXX, upon my discovery of this unauthorized transaction, I immediately contacted US Bank and XXXX to dispute the transaction. Claims were opened by both entities. The claims were denied and closed as XXXX claimed that I had initiated the cash transfer. On XX/XX/XXXX, I filed a 2nd claim with each entity. On XX/XX/XXXX, I was told that US Bank denied my 2nd claim. I have not yet heard from XXXX as to the status of my 2nd claim with them. 

XXXX has not made any effort to return my money. In a message to me on XX/XX/XXXX, a customer service representative stated that " we found this transaction is consistent with your XXXX history. Hence, the case was denied. '' The facts are that I have never made a cash transfer using XXXX nor have I ever used XXXX for an online purchase exceeding a XXXX XXXXXXXX dollars. Their algorithms and/or human monitoring should have told them so. The XXXX representative also wrote " what is good about this payment is that a card has been used as a funding source. '' Again, this is not true as my checking account was the source of this unauthorized transaction. This clearly demonstrates that XXXX is not really paying attention to my claim. 

Because XXXX claims that I authorized this fraudulent transaction, US Bank has refused to return my {$9200.00}. 

US Bank should have notified me before releasing the funds to XXXX. I usually receive text notices about transactions made to my US Bank accounts. And, XXXX should have confirmed this transaction with me before sending the funds to the fraudulent person requesting them. 

A detailed timeline outlining the diligent efforts I have made to have my money returned to me is attached below. Also attached is a copy of the message from XXXX, the XXXX Customer Solutions Support Specialist, with inaccurate information and a print out showing to whom the funds were erroneously transferred.
Product: Credit reporting 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 arti confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Jection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Tried of loan company writing to me and treated to arrest me for not paying the amount indicated on the e mail. I keep writing back saying that I do not owe you the money, but keeps sending these letters. That a arrest warrant has been issued. 
XXXX XXXX -- -- -- {$390.00} Ace cash services -- -- {$640.00} taken me to court and then {$4500.00}. 
XXXX XXXX XXXXXXXX -- - {$980.00} Not license to do business in Washington, but still wants me to pay this. 
XXXX XXXX -- - {$1100.00} None of these I owe money to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is directed toward Lexis Nexis and its affiliated companies involved in consumer credit reporting. I have been trying to fix erroneous information being reported on my XXXX and XXXX reports. The information is being supplied by Lexis Nexis databases according to both CRAS.
I have requested my consumer reports from Lexis Nexis repeatedly through email, fax and letter and have been ignored. I would like every and all information that Lexis Nexis compiles about me and have all errors deleted.
Product: Debt collection

I have profilino recovery removed off my XXXX  report i cant seem to get off my other report. It been removed because of fraud. I have dispute it with them a million times cant seem to get them to take off.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used fraudulently on my report. As a result accounts are on my report that are not mine. 







XXXX XXXX XXXX Status Closed Balance {$530.00} Type Collection Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$3200.00} Type Collection Payment Status Late XXXX XXXX XXXX XXXX XXXXXXXX Status Closed Balance {$1800.00} Type Collection Payment Status Late
Product: Credit reporting, credit repair services, or other personal consumer reports

Bonneville Collections is reporting erroneously on my credit file and it must be fixed immediately. I recently checked my credit and noticed this debt but this was paid off years ago? I was told upon payment they would be removing this account from credit. However, I noticed this account is still reporting on my credit. This account must be removed from my credit file, it is paid and settled. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Date of Birth : XX/XX/XXXX SS # : XXXX ( Last 4 ) Experian XXXX XXXX XXXX XXXX, TX XXXX Greetings, The following letter is a formal complaint that you are reporting INACCURATE accounts to my credit report. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following accounts do not belong to me and I did not give authorizaton for them to be opened or furnished on my credit report. 15 USC 1681e ( b ) states, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am asking for the removal of the following personal information 1. The following personal information is incorrect Address : XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX. The following personal information is incorrect Employer : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employer : UNIVERSITY XXXX XXXX  Please delete these inaccurate personal identifiers from my credit report. I only give permissible purpose for the following personal identifiers to be furnished that are in fact 100 % accurate verifiable and correct : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, DE XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Employment : N/A I do not wish to have any employment information furnished on my credit report. Please delete any personal identifiers that are not listed above. 

Thank you for your time and help in this matter. I am confident this will be rectified by your agency in a timely matter. 



With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX ( I have not provided my signature to avoid further imitation or forgery ) I have included documents that verify my identity with this letter : -Identification -Social Security Card Utility Bill
Product: Credit card

Why haven't my check of {$16000.00} that I sent via XXXX on XX/XX/XXXX to and received by American Express ( AE ) XX/XX/XXXX @ XXXX had not been posted to my account? I have asked and no one can explain.. I am accruing interest unnecessarily. 

1. XXXX tracking number - XXXX 2. Individual that signed for the package at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  3. Address package sent to AE : XXXX XXXX XXXX XXXX CA XXXX which was provided to me by AE. 
4. American Express company internal complaint # - XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub> XXXX XXXX XXXX XXXX XXXXXXXX sent a settlement letter offering to settle the account for {$500.00}, with payment due by XX/XX/year>. The letter also stated that upon receiving the full payment, the tradeline reported by LVNV Funding LLC would be deleted. 

I paid the full settlement amount of {$500.00} on XX/XX/scrub>XXXX XXXX XXXX and have proof of this payment in the form of a cleared check. Despite fulfilling the settlement terms, the account is still being reported as unpaid on my credit report. I disputed this with the credit bureaus, providing the settlement agreement and proof of payment, but my dispute was rejected without any change to the accounts status. 

The settlement letter clearly states that the account would be updated or deleted upon settlement. This failure to update the account accurately violates the Fair Credit Reporting Act ( FCRA ), which requires companies to report accurate information. 

I am requesting that the account be corrected to reflect its settled statusor that the tradeline be deleted, as promised in the settlement agreement.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report where I discovered that Advance America ( XXXX ) ( account opened XXXX ) notated an account as Charge off /Collections on my profile. It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No charge off /Collection should be listed on a consumer report without written consent and an adequate notice antedating 7 years.
Product: Money transfer, virtual currency, or money service

I have used Zelle for several years. I went money and it went to the wrong person. I could not cancel it or get a refund for the money I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard inquiry from Navy FCU that I am not aware of. The dates are XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete 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 XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax denies my wife and me the opportunity to get annual free credit reports. Their published phone contacts lead to a maze of voicemail options and inevitably an " ID verification. '' For some unstated reason I can not get verified and get disconnected. No explanation is given. The online chat function only provides phone numbers that lead to the same ID verification. Though given a 10 digit pin, which I have recorded, I am never permitted to use that number to manage a freeze in effect. I am being denied the opportunity to lift the freeze temporarily.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022, i received a letter from XXXX stating that the XXXX XXXX account on my credit has been deleted from my credit file because that account didnt belong to me. 
on XX/XX/2022 i received another letter stating that the XXXX milestone account has been deleted off from my credit file because that account didnt belong to me either. 
Although these accounts have been deleted they still remain on my credit accounts and it is affecting my credit score, i need these accounts removed because they dont belong to me.
Product: Debt collection

I know nothing about about this account. I have never received a call, email, letter in the mail, nada. One day I checked my credit report and there it was. No one has or can provide information that the debt actually belongs to me ( because it doesn't ). 

I have no documents because I never signed up for this account I have Disputed this to all three credit agencies. 
XXXX states they verified but has not provided proof it is my debt. 
XXXX doesn't have it on my report XXXX does and I have disputed This is the company : MOUNTAIN RUN SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX I have NEVER had XXXX for any of my homes I have ever lived in I want this cleared off my report ASAP
Product: Credit reporting or other personal consumer reports

I'm contacting you regarding the fraudulent personal information linked to my identity. Several accounts and transactions have been wrongly attributed to me without my awareness or permission, causing considerable anxiety. As a victim of identity theft, I've taken immediate steps to report this incident. This situation requires urgent attention due to its severe impact on my financial status and personal standing. I request your assistance in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I stand ready to provide any necessary evidence and, if needed, initiate legal proceedings to safeguard my rights and seek appropriate redress. Your immediate attention to this pressing matter is greatly valued.
Product: Debt collection

On XX/XX/XXXX, after being alerted by my credit monitoring service that there was a " collection '' on my credit reports, I contacted XXXX XXXX XXXX to inquire about the " collection '' they placed on my credit reports on behalf of XXXX XXXX XXXX in the amount of {$330.00}. 

XXXX XXXX XXXX ( NRA ) informed me the collection was for a XXXX account from XXXX at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, NY XXXX. I explained to NRA that I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and that in XXXX and prior, in live in XXXX, MD. I asked NRA what  information they had that linked this account to me, was there a date of birth or social security number? They stated that the only information they had linking the account to me was my name and that address. I explained again that i had never lived at the address and that address does not appear on my credit report. 

On XX/XX/XXXX, I sent NRA a certified letter asking NRA to provide evidence linking me directly to this collection account and validating this collection/debt. I specifically asked for personal identifiable information linking me to the collection account such as a social security account and/or a date of birth. I also asked for an itemized bill detailing the services that were provided that resulted in the {$330.00} in debt. In response to my request, I simply received an " Account Summary '' from XXXX showing charges in the amount of {$330.00}, charged to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. 

I called XXXX to inquire about the account since the account number was on the bill NRA sent me. XXXX stated they no longer had access to that information because XXXX XXXX XXXX. I then called XXXX XXXX XXXX and they refused to speak with me only referring me to NRA. 

I then disputed the collection with the 3 credit collection agencies. Both XXXX and XXXX have removed the collection from my report but XXXX  states that NRA has verified the collection as accurate and refused to remove that collection from my report even though there is no personally identifiable evidence to link that collection account to me. XXXX states that they do not need personally identifiable information to link a collection to an individual, they only need the reporting company to confirm the information is accurate. 

On XX/XX/XXXX, I sent NRA another registered letter asking again to provide evidence validating this debt/collection and asking them to remove this collection from my credit report. In response, on XX/XX/XXXX, NRA sent my the same account summary of a XXXX bill but did not provide any evidence linking me to this account expect for my name, XXXX XXXX, on the account. 

I am simply requesting that NRA look at the billing history of this account to determine who was paying the bill.

I am requesting that NRA remove this collection from my credit reports, specifically XXXX and provide me with evidence that this is my account. This collection is adversely affecting my credit.
Product: Debt collection

After submitting several requests to portfolio recovery and associates in writing to completely validation the following accounts. 

After requesting the credit bureaus to delete the following accounts they have been reinserted back onto my credit reports to the three major credit reporting agencies.a violation of FCRA section 1681 1 ) Account : # XXXX XXXX XXXX XXXX   XXXX balance {$3500.00} Notice ; in the attachment original creditors name XXXX XXXX XXXX  XXXX has been changed to ( XXXX XXXX XXXX ) which is not consistent. Portfolio recovery & associate intentionally misrepresented and fabricated this account. As a result of the company 's action my credit report is now severely damaged. 

Notice, each violation under FDCPA is {$1000.00} 2 ) inaccurate reporting, unverifiable Account # XXXX XXXX  XXXX XXXXXXXX XXXX balance {$1900.00} In accordance with the Fair Debt collection practices act portfolio recovery and associates is in violation section 809 b.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against Transunion, a consumer reporting agency, for their continued non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically in relation to their failure to address my identity theft report and subsequent identity theft information block request. This complaint is in reference to my previous complaint filed with the CFPB on XX/XX/2023, which was received and opened on XX/XX/2023. The reference number for that complaint is XXXX On XX/XX/2023, I submitted an identity theft report to Transunion, along with all necessary documentation, as required by law. This report was in accordance with 15 U.S. Code 1681c2, which mandates that a consumer reporting agency must block the reporting of information resulting from alleged identity theft within four business days of receiving appropriate proof of identity, an identity theft report, identification of the disputed information, and a statement by the consumer confirming the information 's inaccuracy. 

As of the current date, XX/XX/2023, it has been well over the four-day threshold, and TransUnion has failed to fulfill their legal obligation to block the disputed information from my consumer report. Furthermore, TransUnion has not provided any investigation details or indications on my consumer report that the alleged accounts are in dispute, as required by law.

This prolonged delay and the lack of cooperation from TransUnion have caused me significant stress and mental strain. I firmly believe that TransUnion is taking advantage of my situation and violating my consumer rights. The FCRA was enacted by Congress to safeguard consumers from the actions of private companies that neglect their duties and responsibilities. TransUnion 's failure to comply with the FCRA has not only caused undue hardship but also undermines the very purpose of this legislation. 

I have raised multiple complaints regarding TransUnion 's conduct to the Consumer Financial Protection Bureau, and I implore you to take appropriate action against TransUnion for their blatant disregard of consumer rights and federal law. TransUnions actions, or lack thereof, have not only exposed their non-compliance but also demonstrated a lack of accountability for their role as a consumer reporting agency. 

I request that the Consumer Financial Protection Bureau investigates this matter thoroughly and holds TransUnion accountable for their actions. Immediate corrective measures are necessary to ensure that my consumer rights are protected, and that TransUnion fulfills its obligations under the FCRA without further delay. 

Thank you for your attention to this serious matter. I trust that the Consumer Financial Protection Bureau will take swift and appropriate action to rectify this situation and ensure that TransUnion adheres to the laws that govern its operations.
Product: Checking or savings account

Chase bank returned state refund check back to incorrect bank account number however, refused to return the federal check back and proceeded to deposit the funds in the wrong account. Chase was made aware of the error prior to depositing of the funds and informed their employee not to return to the funds to the Federal government or transfer the funds to the correct account. Furthermore, Chase bank refused the returned of funds upon receiving a request from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX financial institution.