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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2024 Subject : Dispute of Inaccurate Account Information on My Credit Report Credit Breau I am writing to formally dispute inaccurate account information that is being reported on my credit report. Upon reviewing my credit file, I have identified discrepancies in the account information that do not reflect my financial history accurately. I request a thorough investigation into this matter and the prompt correction of any errors present on my credit report. 

Details of the Inaccurate Account : Creditor Name : XX/XX/XXXX Account Number:XXXX Inaccuracy : Its a car loan from XX/XX/XXXX and it do not belong to me and need to be removed immediately. This is causing punitive damage I want to emphasize that the information reported regarding the aforementioned account does not align with my financial records. This discrepancy is concerning as it may negatively impact my creditworthiness and financial opportunities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request the following actions : Conduct a comprehensive investigation into the accuracy of the account information in question. 
Verify the legitimacy of the reported account and provide documented proof of its accuracy. 
If the information is found to be inaccurate, promptly correct the information on my credit report. 
I expect this matter to be handled with the utmost urgency and accuracy in compliance with the FCRA and other applicable laws and regulations. 

Please provide me with written confirmation of the results of your investigation and any actions taken to rectify the inaccuracies on my credit report. You may reach me at [ Your Phone Number ] or via email at [ Your Email Address ] if you require any further information or documentation regarding this matter. 

Thank you for your prompt attention to this dispute, and I anticipate a swift resolution. 

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

In both XX/XX/XXXX & XX/XX/XXXX I filed a complaint with Transunion and XXXX about UNAUTHORIZED inquiries on my credit report, prior to this complaint I had a fraud alert added to all 3 credit bureaus early in XX/XX/XXXX I believe XX/XX/XXXX/XX/XX/XXXX and wanted to be contacted if my credit was run by any creditors during that time I received only 3 calls from creditors to look at my report those 3 were " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX '' because I was shopping for a new vehicle. All other inquiries from the time I had mlthe fraud alert added till now were NOT AUTHORIZED and I asked to have them investigated and removed " Transunion '' completed their investigation on XX/XX/XXXX & XXXX completed theirs 2 days after submitting my complaint online, both stated that the inquires are Factual when they are not they took less then a week to investigate which I find a bit unbelievable I do n't think they actually did a investigation and it is GREATLY affecting my credit and hampering me from purchasing a new home!
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 XXXX who's studying 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 2 out of 3 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.
Product: Debt collection

The company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( B ) ( 5 ). Despite this, they've added a collection to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempts to notify TransUnion that the inquiries listed below I do not recognize. In my letter to them I requested to have them removed and update my consumer credit report and I have not received a response. It's difficult to reach them on the phone and at times the website is not working properly. So, I'm reaching out to this agency for help. The following companies have inquired into my consumer report without my consent, and I wish to have them deleted at once. 

XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX  ( XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX I do not nor have I had credit with any of these companies.
Product: Debt collection

On XX/XX/2019 I was involuntarily given an ambulance ride and stayed overnight at XXXX XXXX hospital. They neglected to properly take my insurance information and billed me as a XXXX patient. I was fully insured by XXXX XXXX as a Department of XXXX XXXX in XXXX XXXX XXXXXXXX. I have since called my insurance company 3 times to settle this. They have assured me that they have handled it with the hospital and I do not owe any money whatsoever. I have continued to receive calls and mail from USCB debt collection agency asking for payment ( XXXX dollars ) on this " delinquent account ''.
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my permission, resulting in damage to my credit and score. Despite contacting Experian and being assured that these inquiries would be removed, they still appear on my report. These unauthorized and fraudulent inquiries are causing me significant anxiety, as they may indicate I'm a victim of identity theft, adding unnecessary stress to my life and further impacting my credit score.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and fix them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Was trying to purchase tickets from someone on internet for a sporting event, they asked that money was to be sent through XXXX, my bank which is suntrust has the XX/XX/XXXX attached to my account without going through the app at all. I sent {$300.00} via suntrust app and never recieved tickets and it appears suntrust is not going to refund my money or protect me on this at all even though it was through the suntrust app. 3
Product: Debt collection

constant robo calling to my cell phone and daily letters in mail box since XXXX and i have sent 4 different cease communication demand letters to Resurgent capital services and nothing has changed .my sons employer is getting mad because they call his work harrassing him telling him can he pay my debts .they leave recorded messages on fridays saying they have legal process that they are sending to the local district clerk office to have me served and arrested and to use a prepaid debit card to pay by the next monday. but every one knows that they will never come out because that is illegal. the Resurgent capital company has sent collection notices to me from five different agencys they run for the same identical debt and no one knows who owes who and has turned into a administrative nightmare for me.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Experian and XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 
I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has been between XXXX and XXXX for over 3 years. I received an email from Experian indicating they had a new feature called " Boost '' that would include regular bills I paid each month ( ie, utilities, telecom ) to boost my credit score even higher. I pay all my utilities and phone bills using autopay each month so my payment history is excellent with all of these. I created an account with Experian ( acct # XXXX ) and gave them my bank account number so they could access the accounts that I paid automatically each month. I was never able to get confirmation that this feature was activated because the Experian website kept freezing every time I tried to activate it. Shortly after I tried to activate this Boost feature I noticed that my credit score went down to XXXX virtually overnight! This made me absolutely FURIOUS! I have tried contacting Experian multiple times by phone and email but have not been able to get a response from anyone. My emails were never responded to and I was never able to speak to a live person on the phone or leave a message. All of the customer service phone numbers I tried ( over 10 of them ) are answered by automated attendants that ask to verify my identity before connecting the call. I have entered my social security number an zip code and have waited on hold for over 1 hour one time and then the call just disconnects. Seems like I am not the only one having a difficult time getting a hold of this company. Customer ratings online are nothing but negative. How can a company that controls such critical and sensitive personal information be so inaccessible to the people that are negatively impacted by the mishandling of this information? My credit score has been severely damaged by my attempt to use this Boost feature and I want it removed immediately! Please let me know how to resolve this issue with this terrible company as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX  XXXX XXXX XXXX : {$2000.00} ; XXXX XXXX XXXX Balance XXXX {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX Balance {$320.00} ; XXXX XXXX XXXX Balance {$73.00} ; XXXXXXXX XXXX XXXX ( Original Creditor Name XXXX XXXX  XXXX XXXX ) XXXX Balance {$120.00} ; XXXX XXXX XXXX  ( Original Creditor Name XXXX XXXX XXXX ) XXXX  Balance {$2000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$3100.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Amount : {$1700.00} XXXX Placed For Collection : XX/XX/2021 Date Updated : XX/XX/2021 I demanded Commonwealth Financial Systems to provide me with validation of the debt to include the signed contract between me, XXXX XXXX XXXX and Commonwealth Financial Systems which claim to be collecting and a complete accounting of all charges and credits concerning the account from the time it was opened. 

I also asked them to provide me with the signed contract between Commonwealth Financial Systems and the " original creditor '', XXXX XXXX XXXX XXXX which Commonwealth Financial Systems are collecting on behalf of, if they, Commonwealth Financial Systems have been hired to collect it for someone else.

I informed them that if they did not provide proof or the existence of the debt and their authority to collect it within the next 30 days or have it removed entirely from my credit file with all three credit bureaus, that I may file a claim against them in state court under the laws of Arizona, or the FDCPA, for damages against me related to their fraudulent reporting of the debt to one or more credit bureaus. 

Commonwealth Financial Systems failed to provide proof of the existence of the debt and failed to remove it from my credit file with all three credit bureaus within the 30-day time frame, therefore I wish to file a claim with FDCPA.

Commonwealth Financial Systems bought this debt from a previous debt collection agency which had removed the debt from my credit file after receiving a letter from me with the same requests. 

Signed XXXX XXXX XXXX Without prejudice UCC 1-308
Product: Debt collection

I 'M BEING GARNISHED BY A DEBT THAT IS NOT MINE-THEY REFUSE TO GIVE ME ANY INFORMATION ON THIS DEBIT. NOW I 'M RECEIVING AGAIN THE SAME COLLECTION NOTICE ; DIFFERENT COLLECTOR NAMES WITH DIFFERENT DOLLAR AMOUNTS FROM THE SAME SO CALLED ORIGINAL CREDITOR : FROM : XXXX XXXX COLLECTION BUREAU, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND CACH , LLC. YES ALL XXXX FOR THE SAME DEBT.THIS MEANS THEY WANT TO CONTINUE TO SUE ME XXXX TO XXXX TIMES FOR SOMETHING THAT IS NOT MINE. HOW DOES XXXX AFFORD A LAWYER WITH THIS?? THIS DEBT IS NOT MINE AND I NEED THIS STOP AND IF I COULD I WANT TO SUE ALL OF THEM THIS HAS DAMAGE MY CREDIT. THANK YOU.
Product: Credit reporting or other personal consumer reports

Hello after reviewing my credit report directly from all three credit bureaus I noticed that several accounts on there did not line up and I did not consent to have on my report. Under FCRA Law 15 U.S. Code 1681b permissible purposes of consumer reports I never gave you any written consent to report these accounts to my credit report. Also 15 U.S.C. 1681i section 7 method of verification on how these accounts were verified as factual. The accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have prohibited me to receiving new credit and because they are violating 15 U.S.C. 1681 n ( a ) ( 1 ) ( A )
Product: Debt collection

Dear CFPB, I am writing to formally report fraudulent activity on my credit report that has resulted from identity theft and errors by credit reporting agencies. These issues have significantly impacted my ability to obtain employment, housing, and other essential opportunities. 

In XXXX, I became a victim of identity theft when someone used my Social Security number during a traffic stop. This individuals actions resulted in a criminal record being wrongfully attached to my name. In XXXX, I discovered further misuse of my identity, including fraudulent activity related to employment, a bank account, and car insurance that I did not authorize.

The following accounts appearing on my credit report are fraudulent and were not opened, authorized, or used by me : XXXX XXXX : {$670.00} XXXX XXXX  : {$2600.00} XXXX XXXX XXXX : {$75.00} XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX : {$1700.00} XXXX XXXX : {$1000.00} XXXX XXXX XXXX : {$2100.00} I have no knowledge of these accounts and have never conducted business with these entities. I have attempted to resolve this matter directly with the credit reporting agencies, including TransUnion, but TransUnion has failed to provide me with adequate information or documentation regarding these fraudulent accounts. Their lack of cooperation has made it difficult to resolve these issues.
Product: Checking or savings account

I had gone to make a {$2000.00} deposit. ATM read improperly at {$1600.00}. Took my deposit out and to redeposit. ATM returned {$1600.00} with my {$400.00} missing. Reported to Wells Fargo and they came to an inaccurate conclusion that the ATM had no issue. Was told by branch manager that extra money left inside the machine is reported and after 3 days any unclaimed money amount disappears. Reported on XX/XX/year> and ATM was checked on XX/XX/year> and conclusion was made same day on XX/XX/year>. I was told during the claim period I would be contacted for further information but I was never contacted. The claim was supposed to take 10 days per their claim process but they kept extending the claim up until XX/XX/XXXX ( 35 days ) for them to check the logs. I opened another claim with the executive office and instructed to check the cameras since i had counted my money on the cameras view, XXXX had said she would try. 10 days later XXXX called and told me the day they declined my claim they were unable to do that because i was not law enforcement nor a lawyer. Only way they would check the camera is with a paper from the judge. Then i was told they did not have enough information to help me with my claim. I told her she never called me or tried to contact me to get information. She said they had enough information to not call me. I asked to speak to a manager and was refused. She said they would call me later.
Product: Credit reporting, credit repair services, or other personal consumer reports

paid collections account and agreed to pay in full for deletion on a recorded line to delete the collection from report and they never deleted it. 

XXXX XXXX XXXX never updated the balance or removed the collections like they agreed to do. 
XXXXXXXX XXXX XXXX  -never updated the balance on my credit report or deleted it from my credit report like they agreed to do XXXX XXXX XXXX -updated balance and never deleted like they said they agreed to do.
Product: Student loan

I have been advised to pay a high amount of loan payments per month that I ca n't possibly afford. I have also taken several forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a second credit card from XXXX Bank. Upon receiving the card I filed it away. Several months later, I received an e-mail from XXXX XXXX XXXX which I subscribe to alerting me that a 60 day late was reported to my credit report. Upon investigating this I discover it was fees being charged on the new XXXX card which was never used. I then called XXXX and I was told the card was issued paperless billing and I never received an e-mail from XXXX which they acknowledged and I was credited back late fees. I have attached a copy of the recent statement which displays the credit. 

I then asked XXXX to removed the 60 day late since it hurt my credit rating. They told me their was nothing they could do and I would have to file disputed with the three bureaus. I began with XXXX since I have an account with them. I could barely understand the person I talked to. I then went to TransUnion and XXXX  websites which turned out to be traps to join their service before I could submit a dispute. 

I then called XXXX back and it was clear the person I was speaking to winance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self reported to my credit that I was late on payments when in fact I wasnt I requested to cancel on multiple occasions but they denied my request to cancel after sending multiple emails and phones I need this removed from my credit I emailed them XX/XX/2020 XXXX